Collateral Management

Comprehensive Collateral Management for Structured Finance and Credit Facilities

Concord Servicing’s Collateral Management services ensure that the assets backing structured finance, warehouse facilities, and private credit transactions are continuously monitored, validated, and administered with precision. By providing independent oversight of collateral pools—including substitutions, releases, and eligibility tracking—Concord safeguards the integrity of borrowing bases and securitization structures. Our role strengthens governance, reduces operational risk, and provides investors with clear, timely visibility into the health of the underlying assets that support their capital commitments.

Our Collateral Management offering includes:

Collateral Tracking & Administration: Ongoing monitoring of loan and lease pools, including asset additions, substitutions, and releases, to ensure collateral coverage and compliance.
Eligibility & Concentration Monitoring: Verifying that assets meet transaction-specific eligibility criteria, while tracking concentrations, delinquencies, and performance trends.
Borrowing-Base Support: Aligning collateral movements with borrowing-base calculations, ensuring accuracy in advance rates, and facility utilization.
Document & Custody Integration: Coordinating with Custodial Services to maintain a complete, accurate record of collateral files, chain of custody, and enforceability.
Exception Reporting & Compliance Reviews: Identifying ineligible or non-compliant assets and providing exception reports with remediation paths.
Lifecycle Management: Administering collateral throughout the life of the facility, from onboarding to maturity or securitization take-out.

Key Benefits:

Enhanced Transparency & Governance: Provides investors, trustees, and rating agencies with clear, independent visibility into collateral pool composition and performance.
Risk Mitigation: Reduces exposure to ineligible assets, excess advances, or documentation gaps that could weaken facility protections.
Operational Efficiency: Streamlines collateral oversight, making audits, compliance reviews, and securitization readiness faster and more reliable.
Early Warning & Issue Detection: Identifies performance deterioration, trigger breaches, or collateral deficiencies before they become material risks.
Market Confidence & Liquidity: Robust collateral oversight supports investor trust, strengthens secondary market execution, and may improve pricing or advance rates.
Cross-Asset Expertise: Applies across consumer loans, equipment finance, solar/home improvement, elective medical, specialty finance, and fintech/BNPL—offering breadth of expertise that meets diverse investor needs.

What We Do: End-to-End Credit Administration

We provide end-to-end credit administration services designed to connect investors, originators, and consumers. Our workflow ensures seamless portfolio management, compliant servicing, and trusted results across every stage of the credit lifecycle.

Investors

Fund

Originators

Borrowers/
Consumers

deal-level credit administration

deal-level portfolio administration

Custom Solutions for Unique Loan Dynamics

Our clients span industries where reliable credit administration is essential. Concord provides customized solutions for investors, originators, and service providers in home improvement, solar, vacation ownership, and capital markets.

commercial / equipment

home improvement / energy efficiency

solar

vacation ownership

fintech / BNPL

specialty vehicle / power sports

educational certification programs

elective medical

subscription & settlement programs

Foundational Technology Innovation

Technology is at the core of Concord’s services. With Concord Link, AI-driven insights, and built-in compliance systems, we deliver secure, efficient, and transparent portfolio management.

Stable and Performant Platform with Distinct Value Proposition

• Purpose-built, highly configurable, and flexible platforms, battle-tested in serving specialty end-markets.
• Proven ability to meet client needs across varied asset types and delivery models at scale.
• Modernized architecture with continued investment in features.
• Functionality and value-added capabilities.

Next-Gen Technology Significantly Expanding Value Proposition

• Best-in-class technology platform informed by review of competitive solutions and built for specialty lending markets.
• Modern architecture enables lower costs and greater efficiency for new product development and new market entry.
• Extensive configuration and scripting capabilities enabling faster implementations.

Why

Concord brings decades of expertise, cutting-edge technology, and a proven track record of delivering exceptional results for clients across industries. Our commitment to reliability, innovation, and customer success makes us the partner of choice.