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  "documentTitle": "Ready Capital | Investor Presentation Deck | 44 slides",
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  "authorName": "Ready Capital",
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  "presentationDate": "2024-01-01 00:00:00",
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      "text": "READY CAPITAL.",
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      "text": "Post-closing disbursements managed by dedicated portfolio management analysts and servicers\nEach loan has specific disbursement conditions that must be met prior to releasing funds\nAll funding's are carefully reviewed to ensure that the request is in-line with loan documents and approval",
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      "text": "Flexibility to tailor loan modifications for prudent sponsors to match evolving business plans so long as such modified loan is one we'd make today\nAbility to obtain fresh sponsor equity injection when necessary to ensure commitment to projects, etc.\nEncourage transparency and communication of lessons learned internally to maintain and foster strong credit culture",
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      "text": "Ready Capital communicates directly with sponsors to ascertain status for loans over 30+ days delinquent\nAuthorized to work directly with sponsors (and waive exit fees and pre-payment penalties as needed)\nServicing agreements and staff provide better borrower servicing experience\nData-focused credit philosophy allows opportunity to identify red flags more easily\nCan immediately get involved, which Ready Capital believes is the best process for loan resolution and repayment of principal\nSystem of escalation allows firm to rapidly address concerns in the business",
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      "kind": "list",
      "text": "Asset-level assessments contained in the Watchlist report help drive communication with warehouse counterparties and other interested parties\nRobust reporting tools ensure Ready Capital has accurate and timely information to properly monitor assets\nReporting infrastructure drives transparency and enables Ready Capital to form \"house\" credit views and drive consistent credit philosophy across the firm\nEncouraging participation from all teams to build infrastructure and technology to help us work smarter",
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      "text": "EARLY INTERVENTION",
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      "kind": "other",
      "text": "ASSET MANAGEMENT BEST PRACTICES",
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      "kind": "other",
      "text": "COMPREHENSIVE REPORTING",
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      "text": "FUTURE DISBURSEMENT PROCESS\nAND CONTROLS",
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      "kind": "title",
      "text": "Strong Credit Risk and Asset Management Culture",
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