Personal Loan Portfolio Assessment
Valtech’s valuation team has recently completed credit assessment on multiple retail loan portfolio, focusing on secured personal loans from the financial industry. Our dedicated team has conducted multiple analyses on the quality of the collateral and priority of claim in case of default. More sophisticated modelling techniques, including option-based methods, comparative credit analysis, are adopted to determine the value of any collateral arrangement.
Apart from modelling, it is crucial to align the assessment to events and facts surrounding the loans in question. It is important to analyse the registration status of the collateral prior to a default, latest legal proceedings and judgments, the anticipated marketability, liquidity horizon of the security and costs associated with an intended sale of the securities.
Furthermore, our valuation specialists applied their expertise in financial accounting standards, such as IFRS 9 and IAS 13, to ensure compliance and accuracy in the reporting process. We are professionally prepared to share our analysis with auditors to facilitate a comprehensive review process that enhanced confidence in the integrity of our valuation assessments.