Loan Portfolio Management

BTG Advisory performs portfolio management services in the context of lender policy changes or central bank stress tests that require regulated lenders to exit certain types of lending or reduce certain sector exposures. 

Our team is able to assist the lender to ‘rehouse’ those borrowers that fall outside of the new policy and have to be moved to new funders. This type of activity tends to see new funders acquire loan assets at par but sometimes the existing lender might have to move affected loan assets at a discount. However, existing lenders sometimes offer a discount if one new funder is willing to take the entire affected portfolio of loans which is deemed a more efficient outcome than selling loans piecemeal to various new funders.

Non-performing loans can also be a significant burden on the balance sheet of a lender. If a business is under pressure to recover capital, BTG Advisory can do so swiftly and effectively while maximising the amount collected. For portfolios of distressed property loans where other firms are responsible for individual recoveries, we are used to working with insolvency practitioners, fixed charge receivers, and property agents to help them devise and implement effective completion and disposal strategies.

At BTG Advisory we always adhere to TCF (Treating Customers Fairly) principles, alongside any lender-specific protocols. When dealing with debt recovery, professional tact and discretion are particularly important: in all assignments, we work hard to protect the lender’s brand and reputation. On the other side of the equation, debtors may be in a vulnerable situation so we train our staff to recognise the signs and to act with due care and sensitivity.