The evolution of credit management in Europe

Our loan management service is integrated, with specialist teams and units covering the whole country.

We have a specific SMEs unit that strengthens our specialisation in the management of business loans throughout the life cycle of the loan.

We also have a Legal Services Unit to respond to our clients’ needs, regardless of whether we have a servicing contract with them, in the integral management of legal proceedings and legal support throughout the debt management process, with flexible, scalable operating models, supported by cutting-edge technology that guarantees the traceability and control of all proceedings.

Our teams are highly experienced and specialists in out-of-court settlements, experts in the negotiation and recovery of loans at the different stages of arrears and of any nature, able to offer solutions tailored to meet the needs of each client.

We use advanced analytical and predictive tools to do this, so that we can offer our clients pioneering and more efficient solutions.

Our real estate asset management service aims to maximise the return on asset transformation processes, from their inclusion on the balance sheet to their sale, including the management of tasks deriving from the possession of properties with a view to reducing risks and avoiding any loss of value.

We have a very broad client base, from large financial institutions to investment funds and private investors.

We help our clients to optimise the conversion of REOs in order to invigorate them when they are put on the market, give visibility to the product on the market and maximise the value of the portfolio through asset management strategies.

We have national cover and an extensive professional network of lawyers, experts, asset managers and local administrative staff.

We offer a broad range of services, adapted to the needs of our clients and covering the entire real estate asset management process: technical and legal restructuring, physical overhauling, property management, administration services and planning management.

Investor counselling and end-to-end management of real estate assets.

Our multidisciplinary team, working in a network reaching all corners of the country, enables us to provide an integral service: from the seizing of investment opportunities, due diligence, feasibility analysis, search for financing and land management to construction and subsequent sale.

Thanks to our extensive experience in the management of real estate projects and land portfolios, we have a robust operating model, enabling us to optimise the costs, quality and delivery times of projects.

Experience and high sales conversion rates in putting real estate assets on the market through a team of specialists in the different product segments: residential properties, both new and second hand, service sector products and land.

We offer our services nationwide, both in the leasing and sale of assets, through an internal and external network of specialised managers and estate agents (national and international).

Our services begin with the preparation of a marketing strategy adapted to each product and channel, we develop marketing strategies and digital and information capacities that maximise the generation of opportunities and decision-making.

We opt for continuous innovation of processes and channels and our management platforms, so that both our clients and our commercial networks can handle the entire marketing process rapidly, effectively and digitally, considerably reducing the time-to-market of the assets.

We aim to achieve the returns and results defined in the strategy of each portfolio and client.