Due diligence. GHS_LLC will review all aspects of a target company in preparation for acquisition. The due diligence review can be as extensive as called for by the circumstances. Typically, this will encompass a loan file review, back-office operations, all lending and closing activities and all front-office functions, just to name a few areas of coverage.

Loan portfolio acquisition or divestiture. Very often lenders are looking to sell off parts of their portfolios to shed credit risk, reduce balance sheet size, or improve capital position. Investors are interested to obtain and unbiased valuation and assessment of future performance. GHS_LLC, using its proprietary software can accurately value the portfolio and provide an in-depth analysis of hidden risks.

Mortgage loan servicing acquisition or divestiture. Investors and lenders alike often trade mortgage loan servicing rights. GHS_LLC can value these rights and provide an understanding of the parameters that drive the sensitivity of the valuation. This gives buyers and sellers a clearer picture of the risk inherent in the proposed transaction.

Firm valuation for acquisition or merger: simulation, viability and deal structuring; going concern valuation. GHS_LLC’s proprietary viability model is designed to run “what-if” scenarios. This will enable management to understand the parameters that drive value in the firm. For Investors, a bid can be structured to take into account sensitivities to key variables affecting value. Valuation is a result of a complete suite of potential scenarios, weighted by expected probabilities of outcomes – all of which is generated by the model and analyzed for the client.