Consulting Focus Areas

We are 100 percent committed to serving financial institutions.

We pride ourselves on offering broad solutions spanning both business and technology across the life cycle of a loan and a security. Our offerings concentrate on those areas of focus that Primatics Consulting believes causes the most pain to our client’s ability to manage costs and risks.

Many fast-growing financial institutions are accomplishing such growth through acquisitions or penetration into new products / sectors in the market. Such growth is necessary to sustain competitive market presence, but many institutions' operations are lagging in their efforts to support such growth through flexible business and technical architectures. Primatics can help in these areas:

Loans/Mortgage Servicing Assets and Securitization Accounting

With the introduction of new accounting standards such as ASC 825 (formerly FAS 159) and a string of high profile financial re-statements mostly relating to ASC 310-20 (formerly FAS 91), ASC 815 (formerly FAS 133), and ASC 860 / ASC 810 (formerly FAS 140 / FIN 46(r)), never has the oversight of financial institutions been so microscopic.
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Credit Risk Analytics and Active Portfolio Management of High Risk Loans

With the rise in delinquencies along with strained housing prices and complex loans with payment shocks, “holders” of loans / securities with embedded credit risk exposed to value deterioration, resulting in potential impairment hits, increases in required capital reserves, and realization of losses resulting from foreclosures. While the focus has been on pre-emptive credit risk management through establishment of underwriting standards, on-going credit risk management is usually not as sophisticated. From loan modifications to credit derivatives and potential loan sales, we can help find the credit risk at a loan level and provide the best approach to manage your exposure.
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Pricing/Valuation (Fair Value Services)

It is vital for a “holder” of loans / securities to understand their daily valuations for the purposes of portfolio management and financial reporting. With the industry moving towards a more fair value approach to financial reporting (e.g., with the adoption of ASC 825 (formerly FAS 159)), the burden of controls and compliance move from accounting to an accurate, reliable and controlled way to value and price loans and securities.
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Compliance and Disclosures

Given the current volatile sub-prime market environment, the burden of compliance has become both significant and expensive to implement. Corporations are already struggling with existing compliance/disclosures resulting from Reg A-B and BASEL II.
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Mergers and Acquisitions

Primatics Consulting provides support and guidance for merger related activities specifically around the integration planning and execution of post merger activities. From developing strategic business plans, designing future state target designs and providing overall project management support and systems integration, Primatics Consulting helps clients navigate through the complexities of merging business styles and systems.
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