Consulting services (full day – 8 hours)

Description

Optimize the management of your problematic real estate assets with our personalized consulting on Non-Performing Loans (NPL).

Book a full day (8 hours) with one of our real estate debt experts, who will provide you with strategic and practical solutions to address payment issues and maximize value recovery. This service, available through our online booking platform, is designed for banks, investment funds, real estate companies, asset managers, and individual owners facing challenges with non-performing loans or distressed assets.

What Payment Problems Can Our Consultant Solve?
Our consultant specialized in NPL real estate debt will help you address the following challenges:

• Long-term delinquent loans: Manage loans that have accumulated 90 or more days of delinquency, classified as NPL according to international standards, including mortgage and commercial loans.
• Real estate assets acquired (REO): Value and market properties acquired after mortgage foreclosures, optimizing their sale or restructuring.
• Complex NPL portfolios: Analyze and segment non-performing loan portfolios to design differentiated recovery strategies, whether through renegotiation, sale, or liquidation.
• Debt with real estate collateral: Evaluate the value of the assets backing the loans (e.g., properties) and determine the time and costs necessary for their possession and marketing.
• Early-stage delinquent loans (UTP – Unlikely to Pay): Implement proactive strategies to prevent loans with payments overdue less than 90 days from becoming NPL, through payment plans or restructurings.
• Asset depreciation risk: Mitigate losses from the decline in market value of properties associated with NPL, especially in contexts of economic uncertainty.

Key Points Covered by the Consulting
During the day, the consultant will work personally to offer solutions tailored to your situation, covering the following essential aspects:

• NPL Portfolio Analysis:
  • Detailed evaluation of non-performing loans, including their status (delinquency, collateral, recovery probability).
  • Segmentation of assets into categories such as mortgage, commercial, or consumer loans, to prioritize strategies.
• Real Estate Asset Valuation:
  • Determine the current value of properties associated with NPL or REO, considering factors such as location, market condition, and marketing costs.
  • Identify opportunities to maximize return through sale, rental, or restructuring.
• Recovery Strategies:
  • Design personalized plans, which may include:
    • Renegotiation with debtors: Proposals for loan modifications (interest reduction, term extension) to convert NPL into reperforming loans (RPL).
    • Sale of portfolios: Advice on selling NPL to investors or Asset Management Companies (AMC), optimizing the price and minimizing losses.
    • Judicial and extrajudicial management: Guidance on mortgage foreclosure procedures or out-of-court agreements to recover collateral.
• Risk Mitigation:
  • Identify risks associated with NPL management, such as asset value deterioration or regulatory non-compliance.
  • Recommendations to comply with European regulations, such as the European Central Bank (ECB) guidelines on NPL.
• Operational Optimization:
  • Proposals to automate NPL management processes through technological tools, such as data analysis systems or asset auction platforms, inspired by innovative sector solutions.
  • Improve efficiency in collection management, reducing administrative costs and recovery times.
• Long-Term Strategic Plan:
  • Development of a comprehensive plan to prevent future NPL, including credit risk assessment models and more robust lending policies.
  • Advice on managing performing and UTP assets to prevent their deterioration.

Service Benefits

• Expert Advice: Access to a consultant with experience in the real estate and financial sectors, backed by in-depth knowledge of NPL and REO management.
• Personalized Solutions: Approach adapted to the specific needs of your portfolio, whether for a single loan or a complex portfolio.
• Booking Flexibility: Schedule the day at the time that best suits you through our online platform, with immediate confirmation.
• Value Maximization: Strategies designed to recover the maximum possible value from your assets, reducing losses and optimizing returns.
• Regulatory Compliance: Guidance aligned with international and local regulations, ensuring transparency and legal security.

How It Works?

• Online Booking: Select the date and time for your consulting day through our secure platform.
• Preparation: Complete a brief form with information about your portfolio or specific problem so that the consultant can prepare the session.
• Consulting Day: Participate in an interactive session (in-person or virtual) where the consultant will analyze your case, present solutions, and develop an action plan.
• Final Report: Receive a detailed report with recommendations, strategies, and next steps to implement the proposed solutions.

Ideal For

• Financial institutions seeking to reduce their exposure to NPL.
• Investment funds interested in acquiring or managing NPL or REO portfolios.
• Real estate companies with acquired or at-risk assets.
• Individual owners with delinquent mortgage loans.

Book Now
Don’t let delinquencies affect the value of your assets. Book your specialized NPL real estate debt consulting day today and take the first step towards financial recovery. Click to schedule your session and turn your challenges into opportunities!