Our Services

Granite-Excell Management (GEM) has a broad array of construction loan portfolio advisory capabilities to assist financial institutions or investors, including: (1) disposition of performing, nonperforming and charged-off construction assets; (2) divestiture of nonstrategic product lines; (3) pre-merger balance sheet cleanup and post-merger optimization; and (4) M&A and financial advisory services for distressed-debt purchasers.

We offer significant expertise in valuing and trading all types of consumer and commercial assets, in all performance categories. Whether we represent a seller or buyer, our goal is to provide our clients the best positioning possible for achieving their overall goal.

Situational Analysis & Strategic Guidance

GEM offers unmatched knowledge and practical experience in residential and commercial lending and technology. Draw on our expertise to help frame your vision, identify opportunities, redefine boundaries and stimulate positive change. We help senior executives clarify strategies, leverage differentiators, define success and implement plans to achieve goals.

Loan Sale Advisory & Services

GEM has a broad array of construction loan portfolio advisory capabilities to assist financial institutions or investors, including: (1) disposition of performing, nonperforming and charged-off construction assets; (2) divestiture of nonstrategic product lines; (3) pre-merger balance sheet cleanup and post-merger optimization; and (4) M&A and financial advisory services for distressed-debt purchasers.

We offer significant expertise in valuing and trading all types of consumer and commercial assets, in all performance categories. Whether we represent a seller or buyer, our goal is to provide our clients the best positioning possible for achieving their overall goal.

Portfolio & Asset Management

The cost of no action is no greater than in the construction lending arena. GEM offers its superb management team in those situations where interim leadership and resources are required to affect immediate action. Our expertise at assuming construction loan servicing operations including managerial duties and day-to-day responsibilities is unparalleled. GEM advisors have expertise in rapidly assessing construction portfolio performance, defining risk management tactics and bringing control into a program.
For distressed asset management needs, GEM provides numerous Workout and REO Services that include: Impairment Reporting, Title Review, Permit Status Search, Contractor Replacement and Bid Evaluation, Forensic Inspections and Property Preservation & Monitoring.

Program Enhancement

Leading companies partner with GEM because of our acumen for optimizing construction lending business through policy and process improvement, risk management solutions, advanced technology enablers and 50-state statutory & mechanics' lien compliance.

Our experts collaborate with your executive leadership to evaluate processes across the construction loan life cycle - from origination to servicing. Based on that exercise, our team produces a tactical execution plan to increase efficiency, profits and customer satisfaction.

Technology Assessment & Progression Strategy

As economic conditions drive business transformation, technology must keep pace. Legacy systems, once pinnacles of mortgage lending capability, now limit industry giants. You want fast answers - and faster delivery. Investors and boards demand increased market share and value, with transparency and accountability. Yesterday’s technology must be improved to meet the demands of today - and tomorrow.