What's happening
Everything I am doing across the book, including the checks that find nothing. On a workout file I do more gathering and less acting than on the servicing side — reading TMO, keeping the trail and recomputing recovery is mine; deciding the route is not.
What triggered it
The conditions I evaluated, with the values I read. Disagree with one and you have a specific thing to change rather than a system to distrust.
| Check | What I found | What it needed | |
|---|---|---|---|
What I considered and rejected
The rule
Why it works this way
What changed as a result
Intake
Files arriving from Loans, where the NSF escalation has run its course. A default letter has issued or the watchlist has claimed them — either way they stop being a servicing problem here and become a workout.
Nothing waiting. Everything handed over has been accepted.
What happened before it got here
The escalation trail comes across with the file, so the case starts from what already happened rather than a blank page.
Portfolio
Active special loans files. Resolved files are excluded.
By province
outstanding| Province | Files | Outstanding | Share |
|---|---|---|---|
By stage
files| Stage | Files | Outstanding |
|---|---|---|
By priority class
outstanding across the active bookRanked, not categorical — the darker step is the senior class. A C or D piece would take the next step down without changing anything else.
| Class | Outstanding | Share |
|---|---|---|
Investor briefing
What to say in the meeting. Files are ranked by what's moved, and talking points are drawn from activity marked shareable.
Pick an investor above.
Nothing has moved on this book in the last 30 days.
No change: .
| Loan | Outstanding | % of book |
|---|---|---|
| Total | 100% |
of the whole special loans book.
Updates lead with the latest development on each file. Anything marked internal is shown so you know it exists — not so you can say it.
Under 30 days. These sit with the originator and a junior — shown so nothing falls through the gap, not because they're yours.
Receivership and power of sale. The hard exits.
files
| File | Stage | Status | Days late | In case | Outstanding | Counterparties | |
|---|---|---|---|---|---|---|---|
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| No files match. Clear the filters. | |||||||
What I have done on this file
You are judgment. I am the work.What I will do next, unless you tell me otherwise
More sits here than on a servicing file, deliberately. Appointing a receiver, accepting an offer or telling an investor what a file is worth are judgements whose consequences do not reverse.
Nothing. I have everything I need to keep going.
Deal summary
generated from all inputsNext steps
Written from this file's own data, so it stays true as you edit. Not a substitute for the plan above, and not a substitute for reading the timeline.
Your notes
authored · not generatedOpen tasks
Recent activity
Position
| Class | Lenders | O/S | Accrued |
|---|---|---|---|
Activity
The record of this case. Entries cannot be edited or deleted once written.
This entry will be available to external reporting. Keep it to position and status — no dollar figures.
Tasks
A task carries who owns it, who you're waiting on, its own notes, and its own history. Task notes stay internal — they're about the work, not the file.
No tasks on this file yet.
Notes on this task
InternalNothing recorded against this task yet.
History
Financial breakdown
Position by lender as at today. Columns foot exactly.
| Lender | Authorized | O/S | Accrued interest | Position |
|---|---|---|---|---|
| Costs | — | — | ||
| Totals |
Receivership and legal fees sit in Costs — they carry a balance but no authorized amount and no accrued interest.
Arrears
From TMO. Read-only here.
Scheduled monthly payment is , so arrears run roughly months behind. The last payment received was — a partial payment. a full payment.
Fees & charges outstanding
From the TMO charges tab — costs already incurred on this file.
| Charge | Incurred | Amount | Recoverable |
|---|---|---|---|
| Total |
No charges booked against this file yet.
Expected recovery
| Class | Due (O/S + accrued) | Best | Medium | Worst |
|---|---|---|---|---|
This cascade is a proposal, not settled logic. It pays each class its interest then its principal in full before the next class receives anything, by rank — never a hardcoded A/B pair, so a C or D piece would be a reference row rather than a rewrite. Closing-fee allocation is deliberately absent; it can't be known until close.
Site visits
Photographs stay in your browser. Nothing is uploaded and nothing leaves this machine — which is the only reason it's safe to drop a real site photo into a prototype on a public address.
No site photographs on this file yet.