Loyality Management Program

Providing new ways of gaining your customers' trust

With the use of Taamul's advanced IT products for managing customer loyalty and marketing, you can easily establish an active form of communication with your audience. Not only can you provide your clients with product information but you can also do that while evoking real, positive emotions.

Plus, thanks to the latest technological advancements such as Artificial Intelligence/Machine Learning, you can finally start creating loyalty programs and marketing campaigns that meet your customers' needs and reflect your company’s personality.

More About

Our Products

Borrower's Quality Assessment

(BQA)

For a lender seeking a hybrid product between a Businessman’s Review and Field Examination, perhaps for a lightly monitored credit, Taamul Credit Review Services offers a Borrower’s Quality Assessment. Our professional's will meet with management, review financial statements and projections and perform limited authenticity testing of collateral and underlying financial records. When relying on forward looking projections, a lender needs to be certain that a borrower is able to service its debt at an acceptable coverage ratio.

Our professionals have experience in commercial lending, including asset based and cash flow lending, and in managing businesses which are experiencing operational or financial challenges. They know how to spot “red flags” which could impact a borrower’s financial performance and ability to generate consistent, reliable cash flow and to distinguish between highly functioning management teams and poor performers. For a borrower which provides reviewed, complied or internally prepared financial statements, the Borrower’s Quality Assessment upgrades the quality of information to support sound credit decisions.

Businessman's Review

(BMR)

At Taamul Credit Review Services , we work with lenders who are underwriting new loans or loan renewals, knowing that they need to have an understanding of the operational and financial condition of a borrower to make sound lending decisions.

During a Businessman’s Review, our professional will meet with a borrower’s management team to discuss each functional area of the business including sales and marketing, operations, finance, organizational structure, and if appropriate inventory control. During this meeting, the professional will ask questions to determine if the management team is effectively running the business rather than operating the business in a crisis mode. The management team should be monitoring key levers which affect cash flow and profitability as well as measuring the company’s performance against industry peers or benchmarks.

The Businessman’s Review is often used when a lender needs to improve or confirm their understanding of a borrower’s business.

Quality Of Earnings

Reviews/ Investment Analysis

At Taamul Credit Review Services , we know that some companies find creative ways to report earnings, or worse, fail to properly record losses or expenses when preparing financial statements. For lenders to rely on operating cash flow and EBITDA figures, they must have a thorough understanding of their customers accounting procedures as well as their method for documenting changes in revenues, expenses, and balance sheet accounts.

Taamul Credit Review Services provides quality of earnings review services to lenders who offer products ranging from fully secured and cash flow term loans to subordinated loans and equity investments. Our team of professionals asks the difficult questions to gain an understanding of the client’s accounting processes and tests the strength of the client’s balance sheet and quality of earnings.

Workout

Assistance

Taamul Credit Review Services helps lenders with customers who are in default or showing signs of financial weakness. Knowing that any delay is potentially costly, our team of experienced professionals will quickly determine collateral sufficiency or available cash flow for loan repayment. Our efficient and cost-effective solutions include ongoing support to special assets managers and workout officers overseeing the restructuring or liquidation of the lender’s customer.

Taamul credit review services workout assistance services are based on agreed upon procedures and can include:

Onsite monitoring of a borrower including collateral monitoring.

The monitoring can be periodic visits, or a continuous onsite presence.

Regular updates of key data and loan-to-collateral values.

Our flash reports keep lenders apprised throughout the month and they include key matrices providing lenders a quick snapshot of borrower performance.

In-depth analysis and recommendations for reducing potential losses.

Integrity

Monitoring

Taamul credit review service assists lenders with borrowers who have violated lending agreements, intentionally misrepresented collateral values, or misstated their financial performance, resulting in a loss of trust between a lender and borrower. Our efficient and cost-effective solutions include ongoing support to account executives managing troubled credits.

NAAS’s integrity monitoring services are based on agreed upon procedures and can include:

Onsite monitoring of a borrower including collateral monitoring.

The monitoring can be periodic visits, or a continuous onsite presence.

Regular updates of key data and loan-to-collateral values.

Our flash reports keep lenders apprised throughout the month and they include key matrices providing lenders a quick snapshot of borrower performance.

Collateral

Monitoring

Taamul credit review service provides collateral monitoring services for lenders on a daily, weekly or monthly basis. Whether it is a complex deal requiring extra monitoring time, or an entire portfolio, NAAS can assist.

Prior to funding, our team of professionals works with borrowers and lenders to set up necessary arrangements including lockbox accounts, bank account access, and reporting. NAAS then uses an established process for reporting the collateral loan status.

This includes:

Rew of all downloaded deposit information and reporting (daily and weekly) from lockbox bank.

Analysis of accounts receivable agings and inventory reports; ineligibles are also computed.

Data entry into the collateral tracking system.

Periodic collateral loan status reports as well as a customized monthly report packages designed to satisfy the lender’s specific needs.

Specialty

Financial Services

Securitization and Structured Finance Transactions

Taamul credit review service provides services on an as needed basis throughout each phase of a securitization or structured finance transaction. Our pre-issuance services enhance efficiency and mitigate risks allowing our customers to focus on deal origination and execution.

Services provided include:

Due diligence related to loans provided by lenders for the acquisition or investment in financial institutions for both performing and distressed commercial loan portfolios
Independent review of collateral data

Verifying the ability of the issuer to provide ongoing data for periodic reporting and determining whether such reporting is in compliance with loan documentation
Physical loan file due diligence and pool sampling

Post issuance due diligence services include verifying the accuracy of ongoing reporting to investors including testing the underlying cash flow disbursements, pooling and servicing agreement compliance, trigger event monitoring, and review of ongoing portfolio stratification data.

Commercial Finance

Company Transactions

Taamul credit review service provides a variety of due diligence services for Lenders which provide revolving lines of credit, warehouse facilities, acquisition lines and bridge or special accommodation financing to specialty commercial finance companies. Our professionals have experience analyzing loan and lease receivables, commercial revolving credit notes, short and intermediate-term commercial notes from:

Asset Based Lenders

Distressed Debt Purchasers

Equipment Leasing Providers

Tax Lien Investors

Independent SBA Lenders

Insurance Premium Finance Companies

Real Estate Investment Trusts

Other Specialty Finance Companies

When you work with us, you’ll find that we offer a combination of resources and expertise that isn’t available anywhere else.

Want to know more about us?

Download Now