Oak Branch Advisors’ services are positioned to capitalize on the seismic changes in the credit market since the Financial Crisis. Whether it is the growth of non-banks as the dominate players in the residential mortgage market, or private debt managers in the middle market corporate and commercial real estate, Oak Branch provides a spectrum of services to help them execute their business better, faster and cheaper.
Leveraging our proprietary technology, our team of highly-skilled market practitioners and analysts deliver innovative solutions across all private credit assets. We take a consulting-like approach to each new engagement, customizing our service offerings and system configurations to meet our clients’ unique needs.
Configurable end-to-end technology accommodating any credit product.
Grow your portfolio without expanding headcount.
Level III valuations and decision critical analytics at your fingertips.
Loan/Transaction level credit and compliance reviews: pre/post-closing, loan administration, loan put-back disputes, existing or pending litigation.
Our flexible cloud-based platform facilitates a wide variety of financial instruments and business processes, providing critical data and document onboarding, monitoring and analytics capabilities through the full lifecycle of a transaction.
Oak Branch offers a dynamic alternative to traditional middle office staffing. Our team provides comprehensive deal onboarding followed by ongoing administrative services including:
Leveraging the data collected and enhanced through our Middle Office Services, Oak Branch provides actionable valuation and analytics services in support of our clients’ critical investment decisions. Examples include:
Oak Branch supports its sell-side and buy-side clients from origination/acquisition through disposition and beyond with a full range of credit and due diligence services that help clients understand and manage all aspects of risk contained in their loan files:
Oak Branch helps market participants in the Middle Market Direct Lending sector efficiently navigate their operational and risk management challenges. Despite the tremendous growth of the sector, many lenders and investors are still struggling with how to prudently and efficiently scale their portfolios given the structural complexity of their loans as well as the wide variety of funding mechanisms used to finance their investments.
Each loan agreement is highly negotiated by the front office with bespoke terms and conditions, which must then be operationalized by the middle and back offices as well as by the lender’s external service providers. Unitranche and Asset-Based Lending (ABL) transactions add more layers of complexity.
Oak Branch provides solutions for reconciling and normalizing cash flows, monitoring collateral and deal covenants, providing targeted analytics/reporting, etc. across a wide variety of loans and funding structures.Services for Asset Based LendingDOWNLOAD NOW >
Oak Branch works with Commercial Real Estate investors across the capital structure to achieve operational efficiency while optimizing transparency. By using a single system to capture the bespoke structural features, covenants/triggers and cash flows for each financing agreement as well as detailed property- and tenant-level information, Oak Branch provides an integrated solution for onboarding, monitoring and reporting on all aspects of a Commercial Real Estate transaction.
Higher-level analytics such as valuation are performed on the same technology platform using deal-specific waterfalls, DSCR, Debt-Yield, LTV and other cash management triggers with forecasts based on the latest property/lease data. A flexible construction loan module also allows Oak Branch to provide added value by tracking budgets and invoices along with their associated advances to provide a comprehensive monitoring solution.Solutions for Private Credit DOWNLOAD NOW >
Oak Branch has extensive experience providing underwriting, due diligence and litigation consulting services for the Residential Mortgage market. Clients look to Oak Branch’s subject matter experts and experienced project management team for support throughout the litigation process, including performing comprehensive data collections, loan file completeness assessments, guideline matching, and loan-level reviews, as well as preparing and drafting expert reports, and deposition preparation.
Our team consists of mortgage credit and project management professionals who understand the issues and risks faced by financial institutions. Data reconciliation is performed on our proprietary system across multiple sources including loan origination systems, loan files and other due diligence providers as well as normalization for reporting or securitization purposes.
Oak Branch also calculates and tracks ongoing cash flows for loan, cohort and portfolio level reconciliations with client and/or servicer data. Finally, for those residential mortgage portfolios that are subject to eligibility rules, borrowing base compliance and other performance criteria, Oak Branch provides analytical solutions and services that integrate the terms and conditions of a variety of financing mechanisms.Solutions for Private Credit DOWNLOAD NOW >
The Structured and Specialty Finance sectors of Private Credit comprise some of the most complex and varied credit transactions in the market. As such, many asset managers, investors, funders and service providers struggle with how to prudently and efficiently scale their portfolios.
Underlying collateral includes both real and financial assets such as inventory, marketplace loans, merchant cash advances, trade receivables, insurance premiums, equipment leases, etc. – all with their own unique characteristics and challenges. Meanwhile, the financing mechanisms including Asset-Based Loans (ABLs), Structured Notes/Securities and Structured Funds are just as widespread.
Oak Branch takes a modular approach to these structures by starting with due diligence and cash flow-based services at the collateral pool level and integrating them, as necessary, with the structures, covenants, eligibility criteria and cash flows of the funding vehicles. The flexibility of our unique technology platform allows us to incorporate all bespoke features and provide full transparency at each level of the transaction as well as at the fund/portfolio level.Services for Asset Based LendingDOWNLOAD NOW >