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Strategy 2.0

Automating Commercial/Multifamily Loan Servicing & Asset Management.
View Demo (7:33)
Banks

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

Servicers

Built for large and small Servicers

Loans

180,000+ commercial loans

Unlimited users

Loan-based pricing. Unlimited users at no additional cost

Flexible

Flexible implementation & training options

A single system to automate Commercial/Multifamily Loan Servicing & Asset Management.

STRATEGY 2.0’s integrated applications work together to ensure your organization excels at being next-level efficient while reducing tech costs and risk. Automate your operation to meet the increasing needs of your borrowers, investors, and regulatory agencies.

Servicing

Servicing

Loan admin and accounting

Loan Administration & Accounting

Investor reporting

Investor Reporting

Portfolio management

Asset Management

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
  • 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

  • Accrue and track additional interest for both monetary and non-monetary defaults
  • Automatically begin accrual with delinquency

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

Loan Accounting

  • General Ledger with Transaction Detail
  • Non-performing loans
  • Contra accounting
  • Debt forgiveness & write-offs

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

Transaction Processing

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

Communication

  • Borrower self-service portal to reduce phone call volume
  • WriteTrack letter & notice creation

Portfolio Management & Analysis

  • Enter & store detailed property info
  • Assign & 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
  • Centralize appraisal data storage
  • 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

Intelligent Rules 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
  • RBC Reporting
  • CRE industry reports for Freddie Mac, Fannie Mae, Ginnie Mae, CREFC, and more
  • 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

Risk Rating

  • Develop or use your own risk model
  • Templates available to structure your risk criteria
  • Integrates with Intelligence Engine to monitor risk factors

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

978-439-9000 | [email protected]

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