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Due Diligence
Securitization

Whether you are a first time issuer or a serial issuer, AMC can be your partner in your securitization efforts.

AMC is an approved S&P RMBS third party review provider and our pre-securitization reviews meet the standards of Fitch Ratings, Inc., Moody's Investors Service, Inc., Morningstar Credit Ratings, LLC, DBRS, Inc., and Kroll Bond Rating Agency, Inc. In addition, AMC can act as an independent risk advisor, asset representation reviewer, deal agent, or credit risk manager on your securitization transactions.

    Pre-Securitization Activities
  • Review Setup: Scoping, sampling, data analysis, standard and/or customized reporting needs
  • Pre-Securitization Review: Due diligence review, regulatory compliance review, exception tracking and resolution, reporting
  • Post Review: Issue final reports, ASF Tape and attestation letters as required
    Post-Securitization Credit Risk Management / Asset Representation Reviewer / Deal Agent
  • Repurchase: Monitor repurchase requests
  • Surveillance: Oversee servicer performance, identify servicing issues including failure to meet timelines and compliance issues

Find out what AMC can do for you

Review Types:

Securitization
Regulatory Compliance
Credit
Data Integrity
Property Valuation Review
Document Inventory / Document Sufficiency Review
Portfolio Analysis
Servicer Comments
Pay Histories
Collateral Review
Tax & Title Review
Modification Review

New Originations
Pre and post securitization reviews according to rating agency guidelines

Whole Loan Portfolios / Purchases
For bulk or flow purchases

MSR Loan Diligence

MSR Pricing

NPA Review
For bulk or flow purchases

Reverse Mortgages/ HECM

Collateral Review

Indexing

Warehouse Line Review
Accurate assessment of risks that may be associated with financing

Forensic / Repurchase Review
Repurchase defense for banks and originators

Additional Asset Review
Solutions to aid in acquisition


Regulatory Compliance

AMC performs loan level Regulatory Compliance reviews to determine whether a loan complies with Federal, State, County, Local High Cost and Anti-Predatory Laws utilizing AMC's proprietary Compliance and Underwriting system (TIGRE).

Our proprietary system is updated continuously by our internal compliance department in consultation with leading regulatory legal counsel. These updates include a robust review of the Qualified Mortgage and Ability to Repay requirements, as well as other regulatory changes related to rules promulgated by the Consumer Financial Protection Bureau which take effect in 2014 and beyond.

Annually, our compliance engine is reviewed and approved by industry leading outside legal counsel to ensure the accuracy of your results.

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Credit

AMC's credit review can be customized to fit individual client needs but generally focuses on the borrower's ability and willingness to pay as well as adherence to origination guidelines.

The borrower's income and assets are analyzed to determine if there is sufficient support for the loan and their other obligations (ability).

Additionally, AMC will review the borrower's credit to determine if their past history reflects a sense of integrity regarding debt repayment (willingness).

When applicable, a review of the files to the Automated Underwriting System output within the file will also be performed.

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Data Integrity

In order to provide an independent third party assessment of data quality, AMC offers data integrity services against a number of sources including: Loan Origination System (LOS) data, whole loan seller data, securitization data, and any other source desired by our clients.

During the course of these reviews, AMC will compare the relevant data fields provided by the client to the data found in the actual file as captured by AMC's experienced review team.

All material discrepancies will be noted and reported back to the client.

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Property Valuation Review

Understanding the value of the underlying collateral and the quality of the valuation product that you've ordered is an important part of the diligence process and essential to the successful acquisition and/or management of your portfolio.

AMC can help facilitate the valuation review process by working with your existing vendors and incorporating their findings into our due diligence results. Valuation solutions that are typically incorporated into results include (i) Automated Valuation Model (AVM) Values, (ii) Broker's Price Opinion (BPO), (iii) Appraisals, or (iv) Full Desk Appraisal Review.

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Document Inventory / Document Sufficiency Review

AMC will review loan files to verify whether pertinent documents are included and if the data on the documents is consistent and logical. This review is highly customizable and dependent on which documents the client is interested in locating as well as their ultimate portfolio, disposition, or exit strategy.

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Portfolio Analysis

AMC analyzes clients' whole loan and securitization portfolios to determine (i) exposure resulting from incoming repurchase demands, (ii) assist in the creation of defense strategies, and (iii) create risk management and/or asset management strategies. Let us put our expertise from working with some of the world's largest financial institutions to work for you by performing a proactive review of your entire portfolio. AMC can perform the sample selection, note portfolio trends, review for document sufficiency as well as data integrity, perform a full re-underwrite on loan, and/or create disposition strategies.

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Servicer Comments / Collection Comments

Validation of servicing history and loan activity is essential to successful asset management. Often, data alone cannot capture all critical information that may be detrimental to an asset and a more forensic review of the loan is required. AMC's team of subject matter experts are skilled in conducting detailed reviews of servicer comments to capture otherwise undisclosed facts such as, but not limited to, (i) information related to title issues, (ii) bankruptcy filings, (iii) loss mitigation, (iv) foreclosure, (v) litigation , (vi) delays in processing, and (vii) discrepancies in data integrity. Whether you are pricing, purchasing, or servicing loans, AMC can provide your organization with a higher level of detail to protect your interests and facilitate smooth transaction management.

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Pay Histories

To aid in the projection of loan disposition strategies, cash flow is closely examined to provide insight to loan performance and assess the willingness and ability of the borrower to repay the mortgage. AMC reviews payment history to determine accuracy in cash flow, escrow management, corporate advances and suspense balances. Additional services are customizable based on your needs and can include fee validation, invoice accuracy, pending advances, etc.

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Collateral Review

A collateral review is an integral part of the sale, acquisition and servicing of loan assets. AMC's experienced mortgage professionals will review the loan file for the presence, completeness and accuracy of the legal documentation in the loan files through our customizable reviews.

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Tax & Title Review

Before buying non-performing or re-performing assets it is important to identify potential risk areas which will impact the underlying economics of your portfolio. Being placed in a subordinate lien position or having excessive liens on the property can have a large impact on asset pricing. To help you better quantify existing risks, AMC staff can review title and tax reports and identify liens that can negatively impact the purchase of distressed loans. Through relationships with preferred vendors, AMC can order and track the receipt of searches on your portfolio or use searches provided by you to achieve the same end.

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Modification Review

With loss mitigation activities at the forefront of improvement initiatives, servicers/sub servicers are under close scrutiny to enhance performance in borrower outreach. AMC specialists assess completed modifications to ensure alignment with state and federal regulations as well as investor requirements. The modification review process includes detailed examination and confirmation of the accuracy of outreach attempts, documentation fulfillment, application processing, qualification and underwriting. With customized strategies to meet your specific needs, AMC can be your partner in mitigating borrower outreach risk.

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AMC clients include

Mortgage Originators Asset Backed Originators Banks Servicers Hedge Funds Insurers REITs RMBS Issuers Asset Backed Issuers Warehouse Lenders Law Firms
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