Collateral Risk Transfer

Over the last 50 years, Miniter has continued our original charter of being an industry leader in collateral risk transfer for our 550+ insured lenders. During this time, Miniter has dedicated 100% of its resources to continuously improving our risk transfer techniques, insurance policies, and technologies solutions. 

In 2011, when Zurich NA set out to find a program administrator that could be utilized to deliver lender placed insurance for mortgage originators and mortgage servicers, Zurich chose Miniter Group as their partner due to the increased service level that the Miniter borrower-centric tracking technology delivers. Please browse our website to begin to understand the Miniter Difference. Don't hesitate to call us with any of your comments or questions.

Lender Portfolio Solutions
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Consumer Mortgage

Consumer Vehicle

Commercial Mortgage

Commercial Vehicle and C&I Solutions

Compliance & Forced Placed Insurance

Collateral and operational risks can be catastrophic risks which are unpredictable.  In addition, compliance scrutiny from the FDIC, FEMA, CFPB, and Attorney Generals have forced lenders to re-think their collateral risk transfer policies and procedures for their Residential 1-4 and HELOC portfolios.  

Similar scrutiny occurred on force placed auto portfolios in 1992. During this period, many lenders had large 9 figure class action lawsuits settled on behalf of the consumers.  On June 3rd 1996 the National Association of Insurance Commissioners adopted a Model Act for all 50 states regarding the proper compliance regarding force placing auto borrowers. [read more]