HUB Financial Services

Lending Risk

HUB Financial Services stands out as an industry leader in effectively managing lending risk associated with loan-level collateral for financial institutions. Whether you’re dealing with real estate owned, residential real estate, commercial real estate, auto, watercraft, RV, powersport, or equipment portfolios, our outsourced insurance tracking, blanket, and impairment programs are designed to address lending risk comprehensively.

Our commitment to tailoring solutions means we create a unique strategy for each client and portfolio. By working closely with you, we gain deep insights into your lending, servicing environment, and borrower segment, enabling us to craft a customized program aligned with your specific lending risk management needs. With a focus on minimizing lending risk, our programs aim to secure and protect your financial institution’s future, ensuring peace of mind and successful lending operations.

Commercial Real Estate & Multi Family

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.

  • Lender Placed Hazard, Flood, Wind
  • Outsourced Insurance Tracking
  • Blanket Commercial Mortgage
  • Mortgage Impairment
  • Escrow Services
  • Coverage Reviews
  • Flood Reviews
  • Tracking / Blanket Business Assets, Equipment & Contents
  • REO Hazard, Flood, Wind
  • General Liability

Residential Real Estate

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.  

  • Lender Placed Hazard, Flood, Wind
  • Outsourced Insurance Tracking
  • Blanket Residential Mortgage / HELOC / Equities
  • Blanket Condo
  • Mortgage Impairment
  • Escrow Services
  • Flood Services
  • REO Hazard, Flood, Wind
  • General Liability

Consumer Vehicular

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.

  • Creditor Placed Insurance (CPI)
  • Outsourced Insurance Tracking
  • Blanket Lenders Single Interest (LSI / VSI)

Watercraft & RV

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.

  • Creditor Placed Insurance (CPI)
  • Outsourced Insurance Tracking
  • Blanket Watercraft & RV
  • Forecolusre / Special Assets

Equipment

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.

  • Creditor Placed Insurance (CPI)
  • Outsourced Insurance Tracking
  • Blanket Equipment
  • Foreclosure / Special Assets