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Special Servicing Overview
Clayton performs Special Servicing on sub-prime and non-performing loans — maximizing financial
returns for clients’ investments by improving loan performance, increasing cash
flow and, when necessary, facilitating liquidation.
We specialize in transforming heavily delinquent, non-performing loans
into cash-flowing assets.
With an agile business structure, we help clients adapt to changing market
conditions and provide customizable solutions for their special servicing needs.
Results are delivered through proprietary, state-of-the-art technology,
extensive analytics and reporting, effective mitigation strategies and an
experienced, well-trained staff. Members of the leadership team average 22 years
of industry experience, asset managers average 9 years of loss mitigation
experience and collectors average 8 years of experience. Our comprehensive suite
of services includes:
- Collections:
working with borrowers to cash flow non-performing assets, and resolve
delinquencies outside of the foreclosure and REO arena when possible
- Loss Mitigation:
customer based solutions (reinstatement, repayment plan or modification) and
collateral based solutions (payoff, short sale, deed in lieu) collateral based solutions (payoff, short sale, deed in lieu)
REO Management:
Pre-marketing, marketing and closing strategies to achieve the highest and best asset price and
sales in a timely manner.
What This Means for Your Business
- Rapid conversion of non-performing loans into performing assets
- Improved cash flow
- Experienced business partners who implement your defined process effectively
- Customized strategy for timely liquidation, when necessary
Why Choose Clayton?
- Standard & Poor’s Select Servicer rating brings higher bond prices for investors
- Independent, boutique firm with a deep knowledge of financial services
- Strong industry reputation for courteous and results-oriented service
- Customized service delivery in accordance with client disposition goals
- Systems-enabled workflow and data integration
- Ability to leverage Clayton’s flexible workforce of experienced mortgage
professionals
Clayton performs Special Servicing for both conforming and non-conforming
mortgage loans across non-performing assets. It evaluates the investment value
of whole loans or of a security through its modeling tools, coupled with its
expertise on default related variables including loss frequency/severity,
foreclosure time frames, bankruptcy risk, REO time frames and real estate
valuation methods. Its technological solutions provide asset managers with the
information and analytical capabilities needed to focus on meaningful
communications with borrowers and clients.
Clayton’s default management system generates a NPV analysis of the optimal
default resolution strategy and puts this strategy in place, in real time, while
the asset manager has the attention and cooperation of the borrower.
At Clayton, our mission is to provide incomparable loss mitigation and asset
disposition services. Results and dispositions are delivered through
state-of-the-art technology and an experienced, well-trained and
mission-committed staff, resulting in maximum financial returns for our client’s
investments by improving loan performance, increasing cash flow and when
necessary, facilitating liquidation.
Special Servicer Rating from Standard & Poor's
Excerpt:
“The ranking is based on the company's superior level of automation,
industry-experienced management team, and developing internal control and risk
management environment, along with strong process management, thorough policies
and procedures, a satisfactory (and developing) training regimen, and successful
execution of strategic business initiatives.”
Read the complete S&P evaluation
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