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Insights & Perspective

How Backup Servicers Can Protect Your Investment

The consumer finance industry has seen a significant increase in backup servicing agreements as investors and originators seek to mitigate risk in uncertain economic times. These appointments serve as a contingency plan to ensure assets are protected and disruptions to servicing are minimized if an existing servicer fails to meet their obligations or becomes insolvent.…

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The Future of Higher Education

The Future of Higher Education Finance

Conversations around the cost of higher education and the student loan debt burden are pervasive in everyday life. They dominate news headlines, propel political campaigns, and incite divisiveness. While both parties agree that addressing the student debt problem is a priority for 2020, there is almost no consensus on how to enact the necessary changes or even what the necessary changes are. Surprisingly, the biggest…

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It’s Never Too Late: Recovery Strategies to Prevent Loss

Be prepared with a comprehensive strategy to address default and recover capital. Formulate a plan to address outstanding collectibles. Lenders should address outstanding collectibles using either internal resources or by contracting with specialized collections agencies. It is important to prioritize action in the recovery stage in order to prevent loss and ensure a loan program’s…

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It’s Never Too Early to Begin Default Prevention

When a loan becomes past due it enters the delinquency stage of the lending cycle. A loan that remains delinquent for an extended period of time will enter default which makes it difficult to resume a loan agreement and continue repayment. The key to improving performance during the delinquency stage is early intervention strategies that…

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Collections Strategies That Improve Portfolio Performance

A loan that remains delinquent for an extended period of time will enter the default stage, which means a borrower has violated the terms of their agreement and the loan payment is now due in full. In order to prevent loss and improve portfolio performance, a lender can partner with specialized agencies who help collect…

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Loan Servicing is More Than Collecting Payments

After origination a loan will enter the repayment stage and may remain there until paid in full. Most lenders choose a loan servicing partner to manage the repayment process on their behalf. Optimizing portfolio performance during the repayment stage requires effective loan servicing and default prevention solutions. Improve repayment by enhancing the borrower’s loan servicing…

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Improving Loan Repayment Starts with Communication

After origination a loan may enter the deferment stage where repayment is delayed for a set amount of time, often several months. A lender should design a comprehensive communication strategy for the deferment stage in order to ensure their borrowers are prepared for the start of repayment. Communicate regularly with borrowers to improve repayment rates.…

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Optimizing Loan Performance Starts Early

Origination, which is the initial funding and disbursement of a loan, marks the first stage in the lending cycle. For most lenders, the process of optimizing loan performance begins prior to origination and includes research and development of loan management strategies for the entire lending cycle. Successful loan program design starts with due diligence and…

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Strategies That Improve Portfolio Performance [Infographic]

The lending cycle contains six distinct stages, each requiring different operational strategies and resources. Lenders and investors need to consider the entire lending cycle and develop optimization strategies that address the needs of each stage in the loan process.

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