Managing acquisition, development, and construction (ADC) loans and unfunded commitments for undercapitalized and failed institutions is complex and volatile for federal and state banking regulators. Quick intervention and active management are required to ensure the highest possible recovery.

Loan Evaluation
MARC can assist federal and state regulators in executing pre- and post-closure valuations of financial institutions. Because we understand the urgency of obtaining a benchmark value, we are staffed for quick-turn responses. We are able to value all asset types and have exceptional expertise in ADC assets. Our experience valuing financial institutions for the federal agencies has honed our sensitivity to economic, environmental, and reputational risks and developed our awareness of the importance of managing these risks in retaining the public trust.

Loan Management and Servicing
If you have assumed a fiduciary responsibility for assets that include construction-related loans, MARC can help manage the construction-related portfolio prudently and intelligently. First, we separate performing from nonperforming loans and conduct a legal review of contractual loan agreements. We service performing loans through a call center and web-based interface, and assign nonperforming loans directly to individual asset managers for specific case management. These managers make sure they understand the nuances of every asset so they can establish optimal case-level work outs.

Asset Disposition
The MARC team has unique experience in asset disposition, from creatively structuring individual loan sale transactions—note sales, refinances, short refinances, etc.—to managing the foreclosure and REO disposition process and selling entire portfolios. Our legal staff has helped create many of the documents used in structured regulatory transactions and has the ability to assist your agency in assembling these sales.