Lending Risk

Commercial Real Estate and Multifamily portfolios carry unique servicing complexities. Lending risk is a pivotal component of our risk management structure, designed to match your risk, counterparty, and regulatory requirements, and, perhaps most importantly, provide the borrower level experience that your CRE and multifamily customers expect. HUB has made significant investments in this segment by creating segregated servicing teams, unique workflows, compliance expertise, coverage review capabilities, and supporting technology to manage lending risk effectively. All of this enables our clients to protect their collateral with minimal commercial borrower impact.

With a rapidly growing footprint of CRE and multifamily servicing clients, we bring you the benefit of true experience and expertise in this space, helping you navigate the intricacies of lending risk for your portfolio.

We work with a wide range of residential portfolios.  Our approach is to first understand your needs and then work with you to design a portfolio risk management program that is built specifically for you.  We don’t subscribe to a “one size fits all” philosophy.   

From complex outsourced insurance tracking programs to blanket programs, our residential real estate subject matters experts are experienced in coverage, regulatory, loan servicing, GSE and process efficiency.  

With over 30 years of experience, HUB Financial Services excels in risk management for diverse consumer portfolios. We serve as program administrators for creditor-placed insurance (CPI) and blanket programs (LSI/VSI), specializing in crafting custom solutions tailored to each financial institution’s unique consumer portfolio needs. Your financial institution’s success and risk mitigation are at the core of what we do.

Specialty portfolios like watercraft, RV or powersport have unique risk characteristics and your portfolio risk management program should be structured accordingly.  We have experience in this segment which allows us to work with each client, designing a program that matches their needs.

HUB Financial Services customizes equipment portfolio programs to match your risk preferences and servicing environment. We work closely with you to ensure a program that aligns seamlessly with your unique needs, optimizing opportunities while effectively managing risk. Our tailored approach is designed to provide you with peace of mind and confidence, knowing that your financial institution’s success is our top priority.