Due diligence of a debt portfolio

Commercial due diligence of a debt portfolio is a form of pre-transaction analysis in acquisition processes of the asset deal type, where portfolios are acquired, and share deals, where shares/stock of entities from the financial sector are acquired.

Scope of CMT Advisory’s support in the area of due diligence of the debt portfolio

Unlike the valuation of a debt portfolio, commercial due diligence focuses on a dynamic approach and is aimed at diagnosing risk areas related to the operational activity of the entity providing financing to consumers or enterprises.

In the course of the due diligence we examine areas such as:

Trends in the quality of the debt portfolio

Changes in appetite for risk

Compliance of the construction of the offered products with the applicable laws and regulations

Trends in debt sales and collection

Key funding processes

The analysis may also include the unique characteristics of clients located in the databases of entities involved in the transaction.

The purpose of the debt portfolio due diligence is to disclose risk factors that may not be evident at the transaction stage (e.g. probably increased future harmfulness) and to diagnose practices aimed at artificially improving the quality image of the portfolio. An independent expert opinion helps to make an optimal, conscious decision regarding the execution of a given transaction.

Meet the team of experts responsible for consultancy offered to financial sector entities

Maciej Stradomski, Ph.D., Habilitated doctor, professor of UEP
Maciej Stradomski, Ph.D., Habilitated doctor, professor of UEP

He supervises and supports the team implementing projects related to company restructuring. He also specialises in corporate finance, corporate governance and M&A transactions, especially offering advice on acquisition strategies and obtaining financing.

With a post-doctoral degree in Finance, he is a lecturer and professor of the Poznań University of Economics and Business, where he heads the Department of Investment and Capital Markets. For years, he has been involved in banking, private equity and advisory industry. Co-founder and Board Member of CMT Advisory. He is a member of numerous supervisory boards of capital companies. Director of the Program Council of the Family Business Institute.

Dariusz Zawadka, Ph.D.
Dariusz Zawadka, Ph.D.

Responsible for the supervision and implementation of projects relating to mergers and acquisitions, e.g. providing advisory services to the selling and the buying parties. Specialist in ownership buy-outs, company valuations and financial modelling.

Doctor of Finance Sciences, for a long time assistant professor at the Department of Investment and Capital Markets of the Poznań University of Economics and Business. He has also studied at Harvard University and London School of Economics. Stockbroker eligible for offering investment advisory services. A former lecturer in the Stock Exchange School of the Warsaw Stock Exchange.

Przemysław Grobelny, CFA, Ph.D.
Przemysław Grobelny, CFA, Ph.D.

He is responsible for corporate finance, cooperation with financial institutions and M&A transactions. He supports entrepreneurs in financial planning, establishing market values of key assets and implementing supervisory systems and recovery plans. His areas of activity also include preparing expert evidence for court and arbitration disputes and financial advisory in restructuring proceedings.

Active in the financial advisory sector for over a decade. A graduate of the Poznań University of Economics and Business (with specialisations in Investment and Real Estate Management and Capital Investment and Corporate Financial Strategies) and studied at Athens University of Economics and Business. Doctor of Finance since 2018 and holder of the prestigious international professional title of a Chartered Financial Analyst (CFA).

Mateusz Mikutowski, PhD
Mateusz Mikutowski, PhD

He supports entrepreneurs in M&A transaction processes on the buyer’s or seller’s side.

His activities include moreover valuation of intangible and legal assets, valuation of debt portfolios and creation of financial models.

He has been gaining experience in the consultancy industry since his student days. He gained his Ph.D. degree in the field of economics and finance at the Department of Investment and Financial Markets of Poznań University of Economics

Kacper Kostaniak
Kacper Kostaniak

An alumnus of the Poznań University of Business and Finance with a major in Capital Investment and Corporate Financial Strategies.

Currently preparing for another exam of the ACCA (Association of Chartered Certified Accountants) program. Experienced in financial modelling, restructuring plan preparation, market analysis, and transaction processes.

Mateusz Piotrowski
Mateusz Piotrowski

He carries out projects in the field of valuations of companies and their assets as well as M&A and restructuring consultancy. Supports business sale and purchase transactions, implementation of valuations and preparation of expert economic reports. A member of the team responsible for clients in the loan and debt management industry.

Works at CMT Advisory since the completion of his studies at Poznań University of Business and Finance, where he majored in ACCA Accounting and Financial Management. He is currently a PhD student at the Doctoral School of Poznań University of Business and Finance, in the process of acquiring the ACCA (Association of Chartered Certified Accountants) qualification.

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Other services we provide to entities from the financial sector and other sectors

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