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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: george.patellis@eurocreditrisk.com
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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:
123 Pall Mall, London SW1Y 5EA
T: +44 (0)20 7101 0670
M: +44 (0)7802 580181
E: rod.moulton@eurocreditrisk.com
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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
E: giuseppe.elvetico@eurocreditrisk.com
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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:
123 Pall Mall, London SW1Y 5EA
T: +44 (0)20 7101 0670
M: +44 (0)7967 634679
E: hannah.messham@eurocreditrisk.com
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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:
123 Pall Mall, London SW1Y 5EA
T: +44 (0)20 7101 0670
M: +44 (0)7836 515701
E: howard.davis@eurocreditrisk.com
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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:
123 Pall Mall, London SW1Y 5EA
T: +44 (0)20 7101 0670
M: +44 (0)7831 628415
E: kevin.graham@eurocreditrisk.com
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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
E: manuel.goudie@eurocreditrisk.com
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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: info@eurocreditrisk.com
United Kingdom
123 Pall Mall
London
SW1Y 5EA
T: +44(0)20 7101 0670E: info@eurocreditrisk.com
Spain
Principe de Vergara, 94
28006 Madrid
M: +34 619 276 541E: info@eurocreditrisk.com
www.eurocreditrisk.com
2013 Euro Credit Risk Ltd. All rights reserved
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