What is the Credit Union Auto Express program?

“Auto Express” is my proposed process for organizing materials and targeted buyer outreach for smaller-scale credit-union auto portfolios. It does not promise a premium price or replace the credit union’s independent due diligence and oversight ( NCUA, “Evaluating Third Party Relationships” (October 2007; reviewed October 8, 2026) ).

How does this strategy apply to specialty debt portfolio solutions?

I apply tailored process design, data preparation, diligence support, and buyer outreach based on the portfolio and the seller’s objectives. I do not guarantee liquidation value or chain-of-title enforceability; those issues require transaction-specific records review and applicable legal analysis.

Specialty Debt Solutions for Underserved Sellers

By Jeffery Hartman — entrepreneur, builder, and deal maker in receivables (known as “The Don of Debt”) | Category: Portfolio Valuation & NPLs | Published: 2025-11-12 01:31:18

Tailored Execution Protocols

Debt portfolios vary by asset type, records, servicing history, buyer interest, and governing requirements. I build a sale process around those transaction-specific facts and your objectives rather than treating every portfolio the same.

For Credit Unions

The “Rapid Exit” Program

More than a buyer search, this is a process-design service for a confidential sale or other disposition. For an OCC-supervised bank selling consumer debt, the OCC expects internal policies and procedures, a financial analysis, buyer due diligence, accurate and comprehensive information at sale, and ongoing oversight; the guidance is not a universal rule for all lenders and does not make any particular transaction compliant (OCC, “Consumer Debt Sales: Risk Management Guidance” (August 4, 2014; reviewed October 8, 2026)). Other institutions require jurisdiction- and fact-specific legal and compliance assessment.

Decision Materials: I can prepare draft process and valuation materials for management or board review. They are not regulator-approved materials and should be reviewed by the institution’s appropriate governance, risk, and legal personnel.
Valuation Analysis: I can present a valuation range based on the transaction inputs and buyer indications available at the time. A range is not an assurance of price, execution, or regulatory acceptance.
Process Alternatives: I can document the rationale for a nonpublic or competitive process. Whether a process is appropriate and value-maximizing depends on the portfolio, market response, governance, and applicable requirements.

The Bottom Line

I offer a tailored, strategic process for portfolios that do not fit a standard sale approach. Before choosing a process, clients should assess transaction-specific pricing, risks, governance, and legal requirements with their own qualified advisers. Let’s determine whether a tailored process supports your objectives.

Related Strategic Briefings

Credit Scores and Cash-Flow Data: What the Evidence Supports — Learn why traditional credit scores may miss changing repayment capacity and how cash-flow signals can inform default analysis.
The Liquidity Trap: Why Holding NPLs is Toxic in 2026 — Explore how holding non-performing loans affects capital, liquidity, and opportunity costs—and when a sale merits review.
Buy Here Pay Later Charge Offs: Backend Readiness & AI Solutions — Explore auto charge-off recovery readiness, from deficiency data and skip tracing to secondary-market debt-sale options.
Selling Non-Performing Loans: NPL Disposition Guide for AMCs — Follow a bank NPL sale process through valuation, diligence, buyer selection, and compliant execution.

Discuss Portfolio Valuation & Liquidity

Looking to structure a portfolio sale or optimize recovery yield? Schedule a strategic call with Jeffery Hartman or test our Portfolio Recovery Valuation Tool.