Talk to a McCracken representative:
978.439.9000

Strategy

The commercial real estate industry’s most trusted and comprehensive loan management solution
Banks

For commercial banks, insurance companies, mortgage bankers, GSE’s, and more

Servicers

4 out of 5 top servicers use STRATEGY according to the MBA

Loans

180,000+ commercial loans valued at over 2 trillion dollars

Unlimited users

Unlimited users at no additional cost

Flexible

Flexible implementation & training options

A single system to automate CRE loan management

STRATEGY’s integrated applications work together to ensure your organization excels at being next-level efficient while reducing risk. Automate your operation across the life of a loan to meet the increasing needs of your borrowers, investors, and regulatory agencies.

Origination

Origination

Servicing

Servicing

Loan admin and accounting

Loan Administration & Accounting

Investor reporting

Investor reporting

Portfolio management

Portfolio Management

Automation

Automation

Reporting

Reporting

Communication

Communication

Loan Administration

Customer Information

  • Entities are entered once
  • Track extensive contact information & multiple addresses
  • Assign roles the entity fulfills
  • Assign an entity to multiple loans & view exposure
    Complex Loan Structures
  • Multiple lending types within one Loan
  • Tranches at different terms
  • Transfer funds between tranches

Loan Information

  • Current status “snapshot” of loan
  • Currency indicator
  • Fixed or adjustable rates
  • Revolving balances
  • Holdbacks & buydowns
  • Multiple payment frequencies
  • Multiple payment types including interest only, fixed prin. & interest, reg. amortizing and neg. amortizing
  • Multiple options for interest rate calculations

Select Payment Application Order at the Loan/Tranche Level

Business Calendar Logic

  • Payment due dates & late charges
  • Adjustable loan review/payment change
  • Pending changes to loan terms

Default Interest

  • Multiple methods for deferring interest, tracking, payment collection and capitalization

Deferred Interest

  • Multiple methods to defer interest
  • Track deferment, collect payments, and capitalize deferred amounts

Deferred Revenue & Expenses

  • Straight line & level yield methods for accretion/amortization

Reporting Fields for Data Stratification

Automated Valuation Analysis

Payoff Quotes

Cross Collateralization & Cross Defaulted Loans

Prepayment Premiums

  • Stores requirements & effective dates for multiple premiums

Fees

  • One-time, recurring or event-based
  • Calculate, assess, and bill borrower fees

Security

  • Dual-authentication
  • Designate access by user & group
  • Define user & group screen rights
  • SOC 1 compliant

Accounting

  • General Ledger with Transaction Detail
  • Non-performing loans
  • Contra accounting
  • Debt forgiveness & write-offs
  • Move journal vouchers from transaction processing to accounting

Adjustable Loans

  • Multiple adjustable methods, including all SOFR methods
  • Rate Cap /Hedge Monitoring

Escrow Processing

  • Taxes & insurance
  • Support multiple tax service companies
  • Discount schedules
  • Forced place & blanket
  • Loss tracking
  • Complex escrow analysis

Reserves

  • User defined reserve types
  • Track accounts at DDA level
  • Cap balances

Investor Processing

  • Manage multiple remittance methods by loan or investor (Syndication Same Day Remittance, Daily, Weekly, Monthly, Quarterly, etc.)
  • GSEs, internal or private investors
  • Bond Processing
  • Principal Reserve & Redemption
  • Securitized and syndicated Loans (CREFC Reporting)
  • Calculates & remits amounts due
  • Centralize appraisal data storage

Transaction Processing

  • Lockbox, ACH, pre-authorized payments
  • Wire processing & check writing
  • Correspondent servicing
  • Transaction reports
  • Journal vouchers for adjustments
  • Loan loss reserve write-offs

Origination

  • Track loans in progress
  • Capture collateral performance & condition
  • Calculate & store underwriting ratios
  • Track requested & received required items
  • Transfer info at closing for servicing

Communication

  • Borrower self-service portal to reduce phone call volume
  • WriteTrack letter & notice creation
  • Contra accounting
  • Debt forgiveness & write-offs
  • Move journal vouchers from transaction processing to accounting

Portfolio Management & Analysis

  • Enter & store detailed property info
  • Assigned & view properties from multiple loans
  • Property performance & condition information
  • Visualize relationships & exposure
  • Real-time identification of properties in natural disaster areas
  • Financial statements
  • Track valuations, inspections & rent rolls
  • View rule violations for selected loans

Process Manager

  • Quickly assign and route work to staff and vendors
  • Eliminates reminders and ticklers
  • Easily set up workflows with no IT assistance

Intelligence Engine

  • Automated monitoring of your entire portfolio
  • Monitor for any risk indicators and covenants to
  • Ensure the health of the loan
  • Automatically perform actions when indicators are identified (alerts, emails, letters, start a process)

Insurance Compliance

  • Scan, compare and monitor insurance policy against risk requirements in seconds
  • Cloud-based intelligence engine with pre-loaded Fannie, Freddie & FHA requirements
  • Includes workflows

Trigger Management

  • Automate management of all loan covenants

Buildrite

  • Construction budget management
  • Centralize visibility of all construction loans

Reporting

  • 100’s of on-demand reports
  • Customize & create an ad-hoc report
  • NAIC Schedule B, IRS reporting, OSAR available
  • Access and use your data as needed
  • No technical resource needed to create a report

Data Migration Tools

  • Smart Spreadsheet boards loans in minutes
  • MaTi the bot for one-time Excel mapping
  • API’s to access and transfer data

Schedule a FREE demo: call,  email us or fill out our demo request form

978-439-9000 | salesinfo@mccrackenfs.com

Have a question or want to schedule a demo?




    Commercial Lending and
    Asset Management Software

    STRATEGY LOAN
    SERVICING

    Strategy is the commercial real estate industry’s most trusted and comprehensive servicing solution. With accounting, asset management, compliance monitoring, and workflow features, this robust solution helps McCracken customers service one hundred thousand loans totaling nearly $2 trillion.

    INSURANCE
    COMPLIANCE SOLUTION

    Automate your entire insurance review operation with our cloud-based intelligence engine. Scan, compare and monitor any commercial insurance policy and risk requirements within seconds to reduce exposure to risk, reduce costs and significantly speed up any insurance review and monitoring operation.

    CONSTRUCTION
    LOAN SOFTWARE

    BUILDRITE construction loan software gives you total visibility of commercial construction loans in one central location. Eliminate spreadsheets and save each user 260 hours a year of manual work.  Our fast, customizable implementation will have you up and running in no time.

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