Structured Finance

Structured finance remains an essential tool for mitigating risk, building capital and strengthening balance sheets.

With  more clear, comprehensive, and timely information, we help you stay closer to your assets. Our expertise spans all asset classes. Our services can be offered both for securitized transactions and non-securitized transactions.

Do you want to learn more about our Structured Finance solutions?


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Asset Backed Securities

Complex structured financing requires a trustee with a blend of knowledge, experience and creativity and a commitment to excellence. We are uniquely positioned to provide the infrastructure services and program administration for the growing marketplace lending space.

Our global expertise, flexibility and scope of capabilities provide innovative solutions to meet your needs in administration of a variety of assets in a changing regulatory landscape.

  • Enforcing covenants and administering indenture provisions 
  • Investor Services 
  • Document Custodian
  • Securities Administrator/Paying Agent 
  • Experience with innovative structures


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Asset Repacking

Asset Repackaging is bespoke and ever evolving. Driven by diversified strategies and the internationalization of the debt markets, it encompasses a broad range of products and services.

We are a global leader in administering asset repack that utilizes dedicated transaction management and repack client services teams.

We offer services that connect our global experience, core competencies, traditional and new products to deliver complete solutions for clients:

  • Trustee
  • Issuing and Paying Agent 
  • Global Custodian
  • Account Bank
  • Registrar and Transfer Agent
  • Calculation Agent
  • Advanced Analytics


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CRE/Commercial Loan Servicing

As an experienced rated Master, Primary and Special Servicer since 1998, BNY Mellon’s Commercial Mortgage Services group can support CMBS, CRE and various types of non-consumer based loans (including Franchise & Business Loans, Distressed Loans and Tax Assessment Bond Servicing).

Our team will ensure the collateral receives the attentions of an unbiased, independent provider.  We service and administer the loans in accordance with all the provisions of servicing agreements and underlying mortgage loan documents, including all direct interaction with borrowers, billing and collection of payments and posting to loan system.

  • Data aggregation for all mortgage loans in a CMBS securitization
  • Processing of monthly loan level activity including rent rolls, operating statements and other financial and property information from borrower
  • Detailed CREFC reporting including delinquency and traditional loan reporting
  • Hot, warm and cold back-up loan servicing


Document Custody

We provide a complete document lifecycle solution from receipting, verification, tracking, imaging, distribution, in-transit recovery and audit controls through to secure destruction. We can customize paper-free physical records solutions aligned to your exact requirements.

Document Custody services provide for the safekeeping of financial assets, including single-family, multi-family, and commercial mortgage collateral files. We currently serve over 3,000 clients, holding over 13 million collateral records.

Our vault professionals can handle your needs throughout the document lifecycle including safekeeping, certification, collateral review, and client reporting.

Our Document Custodian Secured Web System (WebDCS) allows you to see your portfolio of loans and collateral reports, and monitor the review and certification status throughout the day.


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Master Servicing

We provide the Master Servicing role for many RMBS asset types, including prime, subordinate-lien, adjustable-rate mortgages (ARMs), subprime, reverse, and re-performing transactions.

Master Servicing is an integral service in the global asset securitization market. We also service reverse mortgages and home equity conversion mortgages (HECMs), HAMP loans and other loans requiring enhanced modification.

As a highly rated, independent Master Servicer our team will provide: 

  • Compliance with terms of servicing agreements and PSAs 
  • Oversight of primary loan servicers 
  • Processing of monthly loan level accounting activity 
  • Monitor and report on nonperforming loan activities 
  • Annual compliance oversight
  • Detailed master servicing reporting 
  • Collection/disbursement of borrower payments


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Mortgage Backed Securities

At BNY Mellon, we understand both the opportunity and the challenges confronting participants in the rebounding private label market for RMBS. We’re equipped in every way to address both on our clients’ behalf.

In today’s highly competitive market, issuers of mortgage-backed securities are under pressure to provide investors with increased levels of information ranging from the performance of securitized mortgage pools to the various types of asset classes supported by mortgage trustees. Providing this critical information requires ongoing process enhancements for bond administration, collateral custody and investor reporting.

RMBS and CMBS issuers require more comprehensive services from a service provider to help guide them through the complexities of the market throughout the life cycle of the issue.

We are distinguished by our commitment to:

  • Customizing solutions around robust core series to match your needs
  • Implementing process and system enhancements
  • Creating value-added features to meet control and verification requirements
  • Maintaining a no-conflict of interest position


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SPV Administration

From highly specialized administrative services to core agent services for the structured finance and alternative investment marketplace, we have the proven capabilities, scalability and adaptability to accommodate the most intricate of structures.

As the impact of new regulations continue to materialize, conduit sponsors are thinking long and hard about their options. We are able to leverage our specialist knowledge and solutions-oriented technology to provide middle and back-office support services based on our client’s specific service requirements. Our product offering provides client’s one-stop-shopping for their SPV needs.

  • Servicing our business with EnSIS®, BNYM’s proprietary portfolio risk management and reporting system for SPVs, conduits, structured note programs, CCP, CNP and US government programs
  • Independent, flexible and comprehensive
  • Experienced in credit arbitrage and structured finance transactions, and in virtually every asset class
  • Dedicated client services and IT support capabilities


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Student Loan

In the challenging and evolving student loan marketplace, we have a wide range of administrative solutions designed to meet the needs of all participants—including state agencies and private label issuers.

As a longtime service provider to student loan transactions, we can help manage your needs for trustee, paying agent, securities administrator and analytics services. And all with greater transparency and service innovation.

Trustee Role - We help execute your debt financing strategies for taxable and tax-exempt debt on behalf of the bondholders.

Agency Roles - In the paying agent, registrar and dissemination agent functions, we maintain registered holder records, transfer ownership and disburse principal and interest.

We are uniquely positioned to help you. 

  • As an independent service provider, we do not compete with issuers for loan origination
  • We provide specialized reporting for issuers based on the indenture requirements
  • Our breadth of products and scope of expertise helps you navigate new structures as well as traditional programs



Why BNY Mellon Corporate Trust?

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Experience with innovative structures.


Document Custodian for over 3,000 clients, holding over 13 million collateral records.

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Highly rated Master Servicer.

Our Thinking

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Next Generation for Esoteric ABS

Interest in esoteric asset-backed securities is gathering momentum as investors seek to diversify portfolios and earn high yields. At the same time, advancements in technology are presenting new opportunities to create, analyze, market, sell, securitize and process these complex assets efficiently.

Contact Us

Do you want to know more about BNY Mellon Corporate Trust Structured Finance services?