We provide a complete analysis of loan and lease portfolios from electronic data sources provided by our clients to determine optimal strategies for accomplishing specific objectives.

As agent, we provide complete transaction management services for private, Fannie Mae and Freddie Mac securitizations. We perform comprehensive data analysis to identify the maximum potential securitizable universe, create a detailed action plan on a timeline and develop and execute a custom loan review. If applicable, we may also:

• Structure an optimal pooling or cash structure
• Assist with contract negotiations
• Deliver loan data
• Provide a servicing setup data file
• Perform post-purchase review services

As broker, we provide complete transaction management services for whole loan sales of performing, sub-performing and non-performing loans for all loan or lease types and any collateral form. We collaborate with our clients to identify the loans that, when sold, will create the most effective transaction for the desired balance sheet effect. We perform rigorous analysis to:

• Identify the pool of loans to sell
• Make recommendations for loan file due diligence preparation
• Create a bid file
• Prepare marketing material
• Execute the bid process
• Assist with bid assessment and transaction closing documents
• Provide a funding detail

As broker, we provide a full range of transaction management services. We begin by providing a potential range of value under the current market environment to equip our clients with immediate options regarding the potential sale of the MSR asset versus other strategic options. Sales services include:

• Preparing the marketing material and the bid data file
• Executing the bid process
• Assisting with bid assessment
• Providing third-party service providers for assignment preparation and recording
• Assisting with regulatory notification requirements
• Assisting with transaction closing documents

As advisor, we provide valuations for loan and servicing portfolios using the guidance of the Financial Accounting Standards Board as set forth in Accounting Standards Codification (“ASC”) 820, Fair Value Measurements (“ASC 820”), ASC 825, Financial Instruments (“ASC 825”), ASC 805, Business Combinations (“ASC 805”) and ASC 860-50, Transfers and Servicing – Servicing Assets and Liabilities (“ASC 860-50”). We are typically engaged to provide one or more of these valuation services based on the reporting requirements or business opportunity of our clients. Our valuation services are frequently relied upon for M&A transactions, including FDIC-assisted bids, and assisting in establishing the capital amount threshold for capital raising transactions. Lastly, using our proprietary model, we can provide static life-of-loan cumulative loss analysis as a standalone valuation.

Through a strategic alliance, we provide complete sale assessment, bid process, bid assessment, and transaction execution.

As broker, we assist our clients with placing loans they cannot or do not desire to carry on their balance sheets with other banks interested in the lending opportunity.

As introducing broker, our services include the placement of brokered CDs in secondary market transactions (versus new issue or primary brokered CD transactions). The secondary market for brokered CDs is not as efficient as primary transactions, and Loan Strategies is conversant with the dynamics associated with soliciting interest and assigning these liabilities. Given the approval and transaction related requirements of assigning brokered CDs (both callable and non-callable), Loan Strategies can help clients successfully navigate this process.

As broker, we provide complete transaction management services for whole loan and flow sales of performing, sub-performing and non-performing consumer loans. We collaborate with our clients to identify the loans that, when sold, will create the most effective transaction for the desired balance sheet effect. We perform rigorous analysis to:

• Identify the pool of loans to sell
• Make recommendations for loan file due diligence preparation
• Create a bid file
• Prepare marketing material
• Execute the bid process
• Assist with bid assessment and transaction closing documents
• Provide a funding detail

Flow purchase programs are available for solar, home improvement, private student refinance, autos, and other consumer secured and unsecured loans through our originating partners or through a secondary market trade from aggregating purchasers.

We have provided over $3.0 billion in liquidity and market solutions for our financial institution clients to help them satisfy their lending and investing needs for the Community Reinvestment Act. We have placed securities collateralized by loans to low- and moderate-income borrowers as well as GNMA project loan placements and tax credit investments. We have worked with CDFIs, tax credit syndicators, and other intermediaries who are active in the affordable housing, charter school, and community development space broadly.