«Expert RА» has appropriated a rating of quality of services of the agent on support of mortgages to NRA of ML

The rating agency «Expert РА» has appropriated a rating of quality of services of the agent on support of mortgages to Novosibirsk regional agency of mortgage lending at level A «very high degree of quality of services». The key factors positively influencing a rating of Open Society «Novosibirsk regional agency of mortgage lending», act very high level of a regulation of activity on support and automation of business processes (including presence of specialized information system for support of a portfolio of mortgages). Positively in a rating estimation also are reflected presence in structure of the company of separate divisions on support of mortgages and on work with problem debts, and also presence of the certificate of quality management ISO. Also are positively estimated considerable experience of employees to Novosibirsk regional agency of mortgage lending on support of mortgages under standards (more than 10 years), high investment potential of region of presence of the Company and conformity of geography of activity of the company to structure of current operations.

The key factor negatively influencing a rating, decrease in volume of a portfolio of mortgages on support is. «In 2011 to Novosibirsk regional agency of mortgage lending has represented itself as the builder of large-scale object in the Novosibirsk region. Realization of this project has distracted a considerable part of resources of the company that has led to decrease in volumes of a portfolio of mortgages on support», a deputy head of department of ratings of credit institutes «Expert РА» Christina Kiryanov makes comments. Also it is negative on a rating the enterprise and investment risks connected with building activity of the company and moderately high level of debts delayed over 90 days on a portfolio of mortgages on support (3,6 on 01. 10. 11) influence. Open Society «Novosibirsk regional agency of mortgage lending» carries out delivery and support of mortgage loans in territory of the Novosibirsk region. As of 01. 10. 11 total amount of a portfolio of mortgages on support makes more than 3,4 billion rbl.