CREDIT MANAGEMENT

out of-court management: reminders and warnings – debtor assessment and personal data searches – guarantor solvency – analysis of the debtor’s and guarantors’ economic, financial and asset situation – real estate strategies – loan managers used to out-of-court negotiation and way-out – management of repayment plans and reminders – complete management up to the end of the credit life
judicial management: activation of any useful act for the recovery and/or security of the credit clarified that the judicial solutions is seen both as a push towards out-of-court settlement and as a strategy in its own right
value creation (secured): coordination and activation of all activities useful for the assisted sale of collateral on the open market and at auction

DUE DILIGENCE AND
STRATEGIC ANALYSIS

Due diligence and business planning of single names and credit portfolios developing business plans containing recovery amounts, costs and timing
Production of business plans including calculation of the internal rate of return on the purchase transaction

Arrangements for the sale of loan portfolios

WORKOUT
STRATEGY

Definition of all specific strategies for each type of credit and client/debtor

OUT-OF-COURT
MANAGEMENT

Client/debtor search
Analysis of the debtor’s and guarantor’s economic – asset-financial situation
Negotiation and drafting of settlement agreements with debtors and guarantors
Activation of legal actions in support of out-of-court activities

COMPLETE COORDINATION OF ALL ACTIVITIES

Activation of legal actions in support of out-of-court activities