Each portfolio is analyzed on more than 100 different data points to determine various decision-making metrics, such as Risk-Adjusted Yield, Expected Cash Flows, IRR, Annualized Net Charge-off Rate, Lifetime Loss Rate, ROA, ROI, and many more...
The selling entity and its portfolio are reviewed, tested and audited for compliance with all applicable state and federal laws and regulations.
Financial Statement Analysis
A full financial review of the selling entity is conducted to determine ability to satisfy recourse requirements.
Center Street Finance offers management of and advisory services for portfolio acquisitions. Our proprietary models and expertise is derived from our team's experience in purchasing over $10 billion in loan portfolios.
Using our proprietary portfolio analytics and its client's yield expectations, Center Street will provide a variety of price and deal structures that match the client's needs.
Due diligence is conducted on both the portfolio and selling entity:
Portfolios are reviewed for properly assigned and executed retail installment contracts, titles and/or its state equivalent, ancillary documents, and all required disclosures. In addition, proprietary models are used on collection notes and transaction histories to identify impairments, validate data integrity, reamortize loan balances, and calculate delinquency trends, as well as gauge collection efforts.
The selling entity is put through a thorough background check to include a review of financial statements, BBB, LexisNexis, UCC filings, state licensing, policies and procedures, underwriting guidelines, and more.
Center Street has proprietary risk models that can accurately predict future performance ensuring the returns you need. Our models will give you month over month losses as well as overall portfolio metrics