Fitch Affirms Voya's Commercial Servicer Ratings
--Commercial Primary Servicer rating 'CPS2-';
--Commercial Loan Level Special Servicer rating 'CLLSS3+'.
The ratings reflect the company's experienced and tenured management team, effective technology infrastructure for primary servicing, long history as a servicer for Voya's North American-based life insurance companies, and the financial support provided by its investment grade parent.
The loan level special servicer rating reflects the limited special servicing staff made up of experienced senior managers and asset managers shared with primary servicing, the company's historically small special servicing portfolio, and limited technology to support a large volume of specially serviced loans. While small, the staff and resources available for special servicing are appropriate for Voya's portfolio.
Voya is the investment advisor to Voya Financial Inc.'s (Voya Financial) six North American life insurance companies. Voya originates approximately \$2 billion of commercial mortgages on behalf of the affiliated life companies annually. Lending activity is mostly generated by a network of correspondents who typically retain primary servicing responsibilities; Voya retains all special servicing responsibilities. Voya's servicing portfolio is almost entirely sourced from relationships with related life insurance companies.
Voya Financial was spun off from ING Group in 2013; in March 2015, ING Group fully exited its stake in Voya common stock. In its recent review of Voya Financial, Fitch's financial institutions group noted that the company has minimal remaining ties to ING Group.
As of Dec. 31, 2014, 22 employees in Voya's real estate finance group were responsible for primary servicing 1,181 commercial real estate loans totaling \$10 billion (inclusive of the 80% correspondent subserviced portfolio) and special servicing five active non-CMBS loans totaling \$139.9 million and two real estate owned assets representing \$15.6 million in unpaid balance.
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