Services for Financial Institutions

We provide effective strategic advice and implementation support to banks throughout Europe and the Middle East on the management of complex and/or distressed real estate and real estate secured loans.

We employ a proven process involving:

• Data collection
• Portfolio analysis
• Strategy definition
• Strategy application
• Monitoring & reporting

We establish organisation level real estate and real estate non-performing loans strategies and objectives, governance models, organisational structure, policies and procedures frameworks to execute and achieve strategic NPL and real estate targets.

We deliver frameworks of practical solutions to shorten recovery times whilst optimising recovery proceeds, considering relevant regulatory, accounting and capital constraints.

We deliver these solutions through a combination of proprietary analytical and segmentation frameworks, specialised technology solutions, local market knowledge and deep real estate NPL experience.

We provide banks across multiple jurisdictions with structured custom frameworks that deliver practical solutions for dealing effectively with their repossessed assets.

Utilising the breadth and depth of our knowledge and experience across multiple disciplines, we can create and implement the most efficient framework based on your unique portfolio with the aim of optimising recovery proceeds, considering relevant regulatory, accounting and capital constraints.

Our Structured Financial Solutions are designed to help clients (i) derecognise already possessed assets (REOs) from their balance sheets by transferring those assets in an SPV structure (a non-controlled company) or avoid asset repossession on their balance sheets as the SPV directly acquires them through auction instead of the bank.

Resolute develops and implements liquidity creation strategies for individual repossessed real estate assets or granular REO (Real Estate Owned) portfolios.

Our expertise covers illiquid assets and markets across the real estate sectors, from granular portfolios through to more concentrated holdings. We provide an end-to-end service offering, on either an insourced or outsourced basis.

We assist clients by implementing a rigorous process that covers:

• Asset preparation
• Property management
• Asset management
• Pricing
• Sales channel management
• Closing

Our approach is centred on local real estate expertise in our markets – across Europe and the Middle East – from physical reviews of assets through to establishing comparable market data.

Our discipline and local market expertise are why we achieve effective real estate management and monetisation results.

We provide ongoing real estate asset management to our banking clients by specialising in the design and implementation of intensive value creation plans for real estate portfolios or individual large commercial assets.

We are experts in managing commercial assets across Europe and the Middle East that might be underperforming but that have high added value and recovery potential.

This includes our innovative equity warehousing offering which is valuable to clients seeking a solution to obstructive or inactive borrowers.

We manage each asset as if it were our own, taking full responsibility for all aspects of value creation and delivering results for our clients.

Our approach is centred around:

• Initial assessment of the asset/portfolio
• Business plan development and implementation
• Exit strategy and monetisation
• Ownership transfer through equity warehousing (if required)

We provide advisory and execution services to banks in respect of their real estate secured loan portfolios, creating and implementing innovative and efficient asset and loan recovery strategies to help them achieve resolution in a structured and time-sensitive manner.

Our unique combination of international and local institutional loan-workout experience, combined with local real estate knowledge and data enables us to offer our clients an effective end-to-end solution. Our objective is to maximise recoverability through in-depth analysis of each case to arrive at the most suitable resolution option.

We have extensive experience managing loans, both on a portfolio and single-loan basis, at all stages of the NPE spectrum – from early arrears to legal recoveries, including very large and complex restructurings; across jurisdictions and in challenging market conditions. Our team of professionals comes with a deep knowledge and understanding of the local market.

We manage our client’s loans, adhering to the relevant regulatory framework, thus helping reduce the client’s day-to-day involvement in this ‘non-core’ operation. Through the services offered by the wider Resolute Group, we manage each situation as though it was our own, taking full responsibility for all aspects of value creation and delivering results.

Resolute provides successful loan servicing to banks in respect of their collateralised non and sub performing loans with the expressed objective of efficient loan reduction and maximisation of value.

We work closely with our clients to gain a deep understanding of their situation and needs, and to jointly identify portfolio solutions for often time sensitive and value eroding financial scenarios. We aim to provide the highest standard and innovation in NPL resolution while protecting our client’s interests at all times.

We deliver commercially informed and accretive resolutions with borrowers by proactively engaging borrowers to identify bespoke solutions relevant to their circumstances.

We approach special servicing with a “bottom up” loan and collateral analysis to produce detailed business plans. Resolute’s NPL lifecycle management promotes the movement of NPLs towards resolution, through a 5-step process:

• Portfolio transfer
• Strategy formulation
• Borrower engagement
• Execution
• Resolution

This ensures faster and higher recovery rates for our clients, avoiding value deterioration of the underlying real estate collaterals.

Our proprietary software supports the servicing operations and promotes efficiency through process automation, loan analytics and strategy prioritisation.

We provide full underwriting support to banks wishing to monetise their real estate asset and loan portfolios through our comprehensive and consistent sale due diligence process.

Our asset and loan underwriting services help our banking clients understand their portfolio’s recoverability and pricing potential through the analysis of their real estate secured NPL and REO portfolios.

We provide a range of sell-side preparation and implementational support from initial portfolio selection, detailed loan, collateral and data tape restructuring through to interim servicing and the sale process. Our clients benefit from our expertise in all stages of portfolio and individual asset due diligence through to final sale preparation, which is key to helping secure meaningful investor interest and maximising bids.

Our proprietary analytics and technology platforms enable end-to-end management of real estate and real estate loan assets.

Our technology solutions cover all aspects from market and asset intelligence and analytics to complex loan workouts and the monetisation of real estate assets.

Our Real Estate Asset Management platform is scalable from single assets to the very largest REO portfolios. Property management and sales management are both integrated within this solution, allowing an end-to-end tool for real estate assets.

Our Loan Asset Management platform maps the complete NPL lifecycle from the on-boarding of a loan until its resolution. The system uses powerful business intelligence analytics to monitor progress of the portfolio and provides real time reporting at the loan and portfolio level.