euro credit risk_company presentation_en

8/14/2019 Euro Credit Risk_Company Presentation_EN

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Global Due Dil igence Local Expertise


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Who we are


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Euro Credit Risk Identity Euro Credit Risk (ECR) objectives are to excel in due

diligence and allied consulting services and to provide

our clients with world class products and services not

presently available to the quality demanded

ECR Directors have more than 170 years of

accumulated experience across the world in the field of

expert due diligence provision weve been around a bit! ECR is a British company with global reach; currently

with operations in UK and Ireland, Spain and Portugal,

Italy, Germany, Holland, and the United States

ECR offers flexible services. Our methodologies and

analytical resources enable us to assist clients in the

evaluation, assessment and management of current or

targeted portfolios, performing or NPL, and to facilitateappraisal and servicing in anticipated new business

across residential mortgage, SME, commercial, auto,

secured and unsecured debt


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ECR Mission

To increase our clients asset value through

Granular

analysis

Local expertise,

market

knowledge,

technical skill

Clear,

considered,

loan level

and portfolio

recommendations

Effective

implementation


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ECR Principles

HonestyWe tell our clients how things really are; we provide you with facts, and share our

knowledge, our expertise, our experience

QualityThe combination of state-of-the-art methods and deep understanding produces

clear, useful results aiding clients towards better risk decisions and profitability

from their assets

Punctuality We meet your project deadlines, always

IndependenceWe strongly believe in clarity in our client relationships. ECR shareholders do not have

conflicts of interest and are not connected to asset servicers, are not brokers, or in any

way connected to lenders or portfolio owners. We hold no skin in the game whatsoever

ValueWe conclude our assignments at the agreed price no hidden

surprises if its not in the quote, its free


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What we do


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ECR SolutionsEuro Credit Risk combines deep technical expertise

across a wide range of asset classes.

Risk reviews of performing and non-performing loan

portfolios, RMBS, CMBS, secured and unsecured debt

including auto, personal loan, credit cards and credit

provision to SMEs

Data integrity checks

Data analytics

Title verifications

Property revaluations

Loan servicing reviews and oversight

Third party service supplier reviews

Compliance reviews, monitoring, and quality control

Provision of interim and permanent staffing

Bespoke consulting


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ECR ReferencesECR Directors and Team have worked wi th a range of

clients across the world. These include:

Investment Banks

Hedge Funds

Investors

Issuers Insurers

Regulators

Servicers

Building Societies

Mortgage and Loan providers


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Some of our Assignments (1)

Client: Swiss bank

Project: Consulting

White label partnership with local banks in Italy, research and design suite of innovative

residential mortgage loan products for the Italian market resulting in a range of new retail

products designed to better manage risk and allow packaging for securitisation

Clients:

US investment group

Project: Due Diligence

Provision of full granular due diligence of 3000 cases originated by 5 Spanish lenders

to include title verification, data integrity, portfolio management, loan collection analysis

and case planning.

Clients: Canadian

and US banks

Project: DD and

Servicing

Multi jurisdictional bank audit in Central America on behalf of seller to prepare reports

on asset quality and performance of residential and SME loans for potential purchaser.

Clients: US bank and

US car manufacturerProject: Compliance, DD,

Data Integrity

Analysis of tranches of personal auto finance agreements. Re-underwrite, data

verification and capture, regulatory compliance, vehicle value check, customer

servicing & complaints, insurance & gap add-ons.


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ECR Approach

Seller provides pool

tape to client and/orECR, ECR cleans

data tape

Confirmation criteria

confirmed

Case selection made

by client or ECR

Data integrity

verification confirmed(QC part 1)

Review on-off site

(QC part 2)

Results analysed

/interim reporting as

required by client

Grading and final

evaluation of eachanalysed case

Discussion with the

seller as required

regarding case issues

(consensus)

Result conclusion -

QC part 3 Reporting to client

1. Set-up 2. Analysis 3. Evaluation 4. Reporting

Why make it more complex than it needs to be? ECR clients want swift, accurate, reliable intelligence to enable

better decision making, lower risk exposure and increased profitabilit y.

ECR project management enables quality, cont rol, and clear communication.


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The team


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George PatellisGeorge has held a variety of executive positions internationally including

several in the UK. He has over 23 years experience in the financial

services arena including: Branch Manager for Great Western Financial

Services in charge of consumer lending for South Florida, Operations

Director and Managing Director for Preferred Mortgages (UK) a start-up

specialist mortgage lender, Managing Director for Pepper Home Loans

(Sydney, Australia) another start-up specialist mortgage lender, Bear

Stearns UK and CEO of Tiuta plc. UK. George has significant

international lending experience from start-up to fully functional lenders,spanning north America, Europe, Australia and Asia.

George was part of the senior management team at Preferred Mortgages

as Director of Operations. Preferred was re-launched through a

management buy out backed by Barclays Private Equity in March of

2001. The company was successfully sold in record time to Lehman

Brothers in late 2003. After the sale to Lehman Brothers, George was

appointed Managing Director.

For the past 16 years every position George has held, has been in the

international mortgage arena. George brings untold experience to ECR

and further demonstrates ECRs desire to achieve excellence.

Chairman

UK Office:

123 Pall Mall, London SW1Y 5EA

T: +44 (0)20 7101 0670

M: +44 (0)7788 271329

E: [email protected]


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Rod MoultonRod started out as a management trainee at Avco Trust (Citibank)

rising to Regional Director before moving on to co-found the consumer

credit division of National Home Loans (Paragon) as Operations

Director. With LBG Rod spent four years as Regional Director in the

development of sales in retail banking focused particularly on secured

lending and residential mortgages.

In 1996 Rod founded Euro Risk Management, the pioneer specialist

due diligence provider in the UK, rapidly growing that business andgaining both international clients and assignments. Rod sold his

interest in ERM to Clayton in 2007 but remained as Managing Director

until 2011. Rod is also Chairman of Moulton Haus Group a real estate

business he founded in 2011.

A Senior financial services professional with a proven track record over

30 years in Europe, Central and North America. Inspired by strategic

challenges, building high-performing teams, delivering profits for clients

and significant long term solutions, Rod brings consummate skill toECR as Chief Executive.

Chief Executive Officer

UK Office:


T: +44 (0)20 7101 0670

M: +44 (0)7802 580181



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Giuseppe ElveticoGiuseppe has worked in financial services since 2006. At Clayton

Euro Risk, he was involved in projects in Italy, Spain and the UK for

several financial institutions including Morgan Stanley, UBS, Merrill

Lynch, Barclays, Lehman Brothers, Bawag/GE, mainly on mortgage

loan (performing and distressed) and personal loan pools, servicer

evaluations.

Previously, Giuseppe has been Senior Consultant for the world's

leading pricing consultancy, Simon-Kucher & Partners. Leadingprojects in a variety of industries, he has also been responsible for

the opening of the company's Italian office.

Giuseppe is co-author of the Italian edition of Hidden Champions:

Lessons from 500 of the World's Best Unknown Companies, originally

published by the Harvard Business School Press

Giuseppe has a Degree from the University of Naples "Federico II"

and an MBA from SDA Bocconi, Milan.

Director of Sales and Marketing

Studio Legale Innocenti

Corsetto di Sant' Agata, 22

I-25122 Brescia

T: +44(0)20 7101 0670

M: +39 335 8390024



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Hannah MesshamHannah has 17 years international experience holding management

positions at HBOS, The Funding Corporation, deVere Group, Honda

UK & Clayton Euro Risk.

Specialising in Sales and Risk Management, she has a wide

knowledge and extensive experience in personal and auto finance,

underwriting of secured and unsecured personal loans and

mortgages, credit risk management and surveillance of non-

performing portfolios, as well as off-shore financial products &investments.

Hannah has completed a number of successful projects for

International Financial Institutions in Central America, Spain,

Germany, Middle East, Africa, Netherlands , UK & Ireland.

As Client Services Director Hannah works alongside COO Kevin

Graham in project delivery and quality control, client liaison,

recruitment and training.

Client Services Director

UK Office:


T: +44 (0)20 7101 0670

M: +44 (0)7967 634679



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Howard DavisHoward has been in practice as a qualified accountant for over 20 years.

A Fellow of the Institute of Chartered Accountants in England and Wales,

Howard trained and qualified as a Chartered Accountant with the

international accountancy practice Grant Thornton. Howards

experience ranges across both public and private sectors including a

period working with the Serious Fraud Office and Thames Valley Police

providing forensic accounting on large multi mortgage loan fraud

investigations.Howard established his own accountancy practice, Price Davis, in 1997,

which now looks after over 400 clients. He has enjoyed roles as

Finance Director and Managing Director in industry and brings a wealth

of experience in strategic planning and financial reporting.

Chief Financial Officer

UK Office:


T: +44 (0)20 7101 0670

M: +44 (0)7836 515701



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Kevin GrahamKevin has 35 years of experience in the mortgage industry latterly as

Head of Operations at Clayton Euro Risk. Kevin held the position of

Head of Sales and Products for the Bristol and West Central Mortgage

Services, part of the Bank of Ireland group. Prior to this Kevin held

management appointments at the National and Provincial Building

Society.

Kevin has extensive practice in all forms of lending including residential

mortgages, personal loans, secured loans , credit cards, commercial

loans, overdrafts and invoice discounting. He has completed more than

200 due diligence reviews across Europe, including whole loan trades in

commercial bank portfolios, credit cards, non performing loans,

overdrafts, personal loans and performing loan trades.

With experience gained working in the UK including Northern Ireland,

Republic of Ireland, France, Netherlands, Germany, Sweden, Czech

Republic, Russia as well as deep product knowledge Kevin heads up all

aspects of project delivery and quality matters.

Chief Operating Officer

UK Office:


T: +44 (0)20 7101 0670

M: +44 (0)7831 628415



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Manuel GoudieManuel joined Citibank in Madrid in 1979, where he held a variety of

roles including Corporate and Financial Institutions Relationship

Manager and Transaction Banking Head to Iberia Risk Manager. For Citi,

he spent 4 years in London as Senior Credit Officer and Risk Manager in

different business areas and a year in Lisbon as Country Risk Manager.

Since 2002, he has done consulting work, spent 18 months in a start-up

company, actively collaborated with two Spanish non-profit organisations

(The Spanish Cancer Association and Antares), and was the Country

Manager for Clayton Euro Risk.

Over the years, Manuel has also taught finance and accounting at

various institutions and, while at Citi, was actively involved in internal

training. He is currently Director of the Masters in International Finance

program and Finance professor at the IEB and Management Accounting

and Corporate Finance Associate professor at the Universidad Carlos III

in Madrid, at the American University (CIS) and at CEPADE (Polytechnic

University of Madrid) in Madrid.Manuel studied Business Administration at the Universidad Complutense

(1977) and holds an MBA from the University of Miami, Florida (1978).

Sales Director, Spain & Portugal

Principe de Vergara, 94

28006 Madrid

M: +34 619 276 541



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Banking ExpertiseQuantitative Foundation of

our Recommendations

Implementable SolutionsCreativity

Why ECR as a Partner?

Solid experience gained from a

variety of projects covering a wide

spectrum of topics

World-wide project experience

Skilled, multifunctional, local teams

Specialists in consulting services

ECR delivers creative, flexible, implementable solutions and a sound quantitative foundation.

All recommendations have a

quantitative basis

State-of-the-art" methods

Disciplined, systematic procedures

Projects, audits and analyses

conducted by our own teams

No standardised solutions

Visionary thinking

Lateral thinking, made possible by

experience in a variety of

assignments

The ability to translate technicallycomplex scenarios into

manageable solutions

Pragmatic recommendations

Competitive

Advantages


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ECR as a Partner will provide you with:

ECR offers you

Flexibility and adaptability

Experience (countries,

products, team)

Solid analysed data for swift

and better decision making

Cost-effectiveness, higher

profitability, lower risk

Delivering what

the client wants on

time at lower cost at higher quality


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Thank you

Italy

Studio Legale Innocenti

Corsetto di Sant'Agata, 22

I-25122 Brescia

M: +39 335 8390024E: [email protected]

United Kingdom

123 Pall Mall

London

SW1Y 5EA

T: +44(0)20 7101 0670E: [email protected]

Spain

Principe de Vergara, 94

28006 Madrid

M: +34 619 276 541E: [email protected]

www.eurocreditrisk.com

2013 Euro Credit Risk Ltd. All rights reserved
http://www.eurocreditrisk.com/http://www.eurocreditrisk.com/

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