Portfolio Management
From point of origination and throughout repayment, First Marblehead employs data and analytics to continuously monitor and manage the performance of your portfolio.
With over 20 years of data on private student loan performance, and extensive experience in managing private loan programs, we are in a unique position to optimize performance of your student loan portfolio throughout its life. We start with our origination risk score model which uses borrower and cosigner attributes, as well as distribution channel variables, to assign a specific level of credit risk to the application at the time of initial credit decisioning, but we don't stop there. We have a team dedicated to continual post disbursement analytics so we can adjust for credit changes as needed. We employ a suite of credit and collections models to inform servicer strategy, default prevention, recovery management and account retention tactics.
As part of this service offering, we monitor portfolio performance metrics, work with our clients to manage the performance of third-party vendors and interface with rating agencies. Our infrastructure provides us with data that enables robust analytics, and we are able to customize collections strategies as needed to optimize loan performance.
In short, First Marblehead is equipped to facilitate and optimize the entire private student loan process - from the first phone call to the final payment.