Social Housing Finance
Asset Portfolio Data
We support housing providers to identify the principal asset data stewards in the business and create a data structure to support day to day processes. This can be completed using existing internal systems or prepare data and processes for new systems coming online.
This base forms the source data for analysis which can be updated as and when a primary change to the property status takes place. These changes are identified as data capture points, as they materially change one or more of the property attributes and bespoke processes can be created to manage these across the business.
Working with asset related data is not rocket science but it does need a little consistency and order to show its true worth. Tintabee supports teams to collaborate, identify and capture core information that can be validated continually to retain its value.
Loan Security & Property Charging
The property charging process involves multiple players and processes and once complete requires both internal and stakeholder periodic reporting. We support housing providers at every stage, from the very start of the process when a portfolio of properties is selected to the ongoing management of the loan portfolio. Business plan forecasts, lender profiles and risk appetite, selection of solicitors and valuers, considering security trusts and forms of communication are all considered. The aim is to maximise the property value and financing available throughout the life of the loan, and not just at the start of the process.
Loan Security Reporting and Compliance
Monitoring and reporting is key to managing loan security portfolios and we can support housing providers to deliver a variety of internal, external and statutory reports. Our reporting approach will align with existing treasury policy as well as stakeholder loan security covenant requirements. We guide teams on performance indicators and rules they can adopt, and a sound knowledge of the sector reporting calendars and stakeholder network supports us to to deliver a quality reporting service throughout the financial year.
Lead Consultant
Jacinta Balchin
As lead consultant, Jacinta has over 20 years of experience in the Social Housing sector and a valuable and respected network within the banking, legal and housing services sector. In addition to her contract work, Jacinta is currently Chair of the Board of Trustees for George Green’s Almshouses, a small housing provider in Tower Hamlets supporting women in the local area.
Previous property legal and treasury roles include managing all aspects of property and legal information and loan security for a large G15 housing group as well as co-founder and operational lead for the AssetCore system. Her approach to asset data has supported some of the largest housing groups in the sector. Central to this approach is bringing teams from across the business together to identify and benefit from the value of the information that each team works with daily. Treasury, Development, Sales, Asset Management and Housing Management teams amongst others all working together to provide robust and tested information to support strategic decisions and periodic reporting across the business.
