HiTo's Master Servicing is a service that supervises and verifies the roles of the participants in financial structures, providing certainty and value to the investor via an independent replica of the servicing and collection processes of the loan portfolio.
In addition, the integral compliance of the different enhancements of the structures, such as triggers and reserves, is calculated and verified.
This refers to a group of services that include comprehensive management with each of the creditors and the internal processes involved in the loan servicing.
The servicing includes call center, Statement of Account generation, clarifications, the release of loan guarantees, court proceedings, and sale of immovable property, among others.
For portfolio investors, HiTO generates regulatory reports, collection reports, cashflows, reserves, financial statements, and the use of artificial intelligence to improve the collection, among others.
HiTO provides a variety of portfolio structuring options tailored to both lenders’ needs and investors’ security and performance requirements. HiTO listens to the client's needs and weighs them against its own projections, financial, legal, regulatory, accounting and tax analyses to arrive at the optimal form or structure of the issuance, complying with several due phases of diligence.
HiTo's consulting services offer diagnosis, analysis and evaluation of alternatives to improve the customer's products and services, from their design to their final implementation.
HiTO, as a Backup Servicer, takes over key functions (mainly collections and loan administration) for assets or accounts receivable portfolios. HiTO receives and analyzes portfolio data regularly, preparing to take over primary servicer duties in case of a triggering event (such as the default of existing servicer or insolvency of the servicer/originator).
The functions of a Backup Servicer can be classified into three temperatures depending on the activities to perform and the level of Backup required for the portfolio: