Information for Business Unit Managers - Miniter Group
Business unit and portfolio managers from banks and credit unions can easily and effectively manage risk for their loan portfolios with our services and technology. And we ensure our clients' regulatory compliance.
bank loan portfolio insurance, credit union loan portfolio insurance, force-placed insurance, mortgage hazard insurance, collateral protection insurance
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Information for Business Unit Managers

Information for
Loan Originators

Business Unit Managers responsible for portfolio profitability must manage both collateral risk and the expense associated with managing that risk.  Miniter Group currently has over 150 years of experience working with business unit managers designing and underwriting cost-effective solutions customized to the unique characteristics of each lender’s portfolio.  Whether you manage a zero-loss portfolio or one that has seen some recent claims, Miniter will design a solution to meet both your risk appetite and your budget.

 

Our risk transfer solutions are customized to meet your portfolio’s unique needs.  When designing your solution, we will evaluate the use of Blanket Insurance, Force-Placed Insurance and Mortgagee E&O (mortgage impairment).  Typically, a combination of these policies will provide the best coverage that will minimize NIE expense.  To be cost-effective, these policies are joined with technology that minimizes the operational cost for the lender, while providing full risk transfer.

 

We welcome you to explore the portfolio risk section of our website.  Download our white papers if you choose.  Click around and get to know us.  With the exception of a few pictures of residential homes, all of the pictures on our website are from our headquarters in Rockland, MA.

 

Thanks for taking time to visit with us.

Residential 1-4 Loans

Transferring residential 1-4 collateral risks involves verifying insurance at loan origination as well as designing a cost-effective approach to maintaining residential 1-4 insurance on the collateral through the duration of your loan. In addition, lenders must be concerned with ensuring that their loan operations follow compliant and repeatable work-flow processes.

Learn More About Our Residential Loan Services

Consumer Loans

Cost-effectively transferring collateral risk from consumer loan portfolios involves completely different techniques than those used with real estate portfolios.  Alternative approaches are required because of the low frequency of loss historically observed in the HELOC portfolios versus the extremely high frequency of loss seen in the vehicle portfolios.

Learn More About Our Consumer Loan Services

Commercial Loans

Commercial Loan Officers understand that their portfolios offer different challenges for managing collateral risk.  Commercial borrowers demand high levels of service and will quickly look to other financial institutions if their needs are not met. We have worked with hundreds of commercial loan portfolios and understand the underwriting and operational challenges involved in servicing these portfolios.

Learn More About Our Commercial Loan Services
  • Product Comparison

  • FPI Blanket VSI GAP LS MI
    Consumer
       HELOC checkmark checkmark checkmark
       Vehicle checkmark checkmark checkmark checkmark
    Commercial
       CRE checkmark checkmark
       Inventory checkmark checkmark
       Equipment checkmark checkmark
    Residential 1-4 checkmark checkmark checkmark