Troubled borrower management service

Keystone Financial Services, Inc. (‘KFSI’) helps lenders with customers who are in default or showing signs of financial weakness. Knowing that any delay is potentially costly, our team of experienced professionals will quickly design and implement a plan to avoid default or maximize recovery value for the lender. Our efficient and cost-effective solutions include ongoing support to special assets managers and workout officers overseeing the restructuring or liquidation of the borrower.

 

KFSI loan workout capabilities

By combining wide-reaching financial, operational, and management expertise with in-depth industry knowledge and executive leadership, we have developed a successful track record in maximizing recovery value in the most complex situations. KFSI brings a broad range of skills to companies experiencing the effects of unfavorable business situations. We also established ourselves as a successful alternative for filling positions such as CEO, CFO, and COO, at companies looking to stabilize operations and restore credibility while executing new or revised business strategies. We work closely with lenders, borrowers, investors, and creditors to identify critical business issues and implement strategies designed to maximize liquidity and enhance profitability. In this regard, we:

  • Design and implement financial restructuring plans
  • Develop and implement business plans and organizational structures to enhance operational efficiency and improve profitability and cash flow
  • Provide interim operating and support management and staff
  • Provide lender, investor, and creditor services

 

KFSI’s workout assistance services are based on agreed upon procedures, and may include:

  • Onsite monitoring of a borrower including collateral monitoring—the monitoring can be periodic visits, or a continuous onsite presence.
  • Regular updates of key data and loan-to-collateral values—our flash reports keep lenders apprised throughout the month and they include key matrices providing lenders a quick snapshot of borrower performance.
  • In-depth analysis and recommendations for reducing potential losses.

Workout Assistance