On-Demand Webinar
The Maturity Wall: Catching Extension Risk Before It Becomes Default
How private lenders in the US and Canada are spotting extension risk early, avoiding default, and staying ahead of a growing wave of maturities.
We'll discuss:
- Spotting extension risk 60-90 days before it becomes default
- What to do when refinancing isn't the exit
- How lenders are using AI to flag which files need attention first
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Watch the on-demand webinar belowMeet the Speakers
Luis Daniel Roque
Credit Director & Co-Owner, HIS Capital Funding
Alvin Mah
Principal, Hawkwood Capital
Vick Bains
Senior Credit Manager, PHL Capital Corp
Meet the Host
Alex Smith
VP of Marketing, Mortgage Automator
Overview
Loans are hitting maturity in a much tougher refinancing environment, and many borrowers can’t get out on terms that work. That means more loans stalling at maturity, or heading toward default. It’s not just a refinancing story either. Lenders with heavy construction and fix-and-flip books face a second layer of risk, since a loan’s exit depends on the project actually finishing and the property actually selling, not just on refinancing math.
Watch the webinar replay to learn how experienced lenders are catching extension risk before it becomes default, managing a portfolio full of loans maturing at once, and using new tools, including AI, to know which files need attention first.
What You’ll Get
- The early warning signs: what shows up 60-90 days before a extension turns into default
- A playbook for extensions and step-ups: real examples of how lenders handle it when refinancing isn’t the exit
- What’s different about construction and fix-and-flip risk: the second exit risk these loans carry beyond rates
- How AI is changing prioritization: flagging your highest-risk files first, instead of working the list in order
Who It’s For
Private lenders, mortgage fund managers, and loan servicers in the US and Canada managing extensions or portfolios with upcoming maturities, including those with significant construction or fix-and-flip exposure.
Meet the Speakers
Luis Daniel Roque
Credit Director & Co-Owner, HIS Capital Funding
Luis Daniel Roque is the Credit Director and co-owner of HIS Capital Funding, a private real estate lender specializing in business-purpose bridge, construction and investment-property financing. With more than 20 years of experience across real estate lending, acquisitions and credit, including originating over $350 million in loans at Bank of America and PrimeLending, he leads credit strategy, underwriting oversight and final loan approvals at HIS Capital. Every six months, he and the HIS Capital team publish a market report that tests an investment thesis using lending activity, underwriting observations, transaction data and broader market trends, translating those findings into guidance on where risk is building and where opportunity remains.
Alvin Mah
Principal, Hawkwood Capital
Alvin Mah is the Founder and CEO of Hawkwood Capital Management, an Edmonton-based private credit firm specializing in real estate-secured lending across Western Canada. He oversees the firm's lending strategy, underwriting, portfolio management and investor relationships, with particular emphasis on collateral quality, borrower liquidity and identifying risk before a loan reaches maturity. Through Hawkwood, he has developed extensive experience navigating renewals, refinancing delays, construction timelines and other challenges common to private real estate lending.
Vick Bains
Senior Credit Manager, PHL Capital Corp
Vick Bains is a Senior Credit Manager at PHL Capital Corp. with 16 years of experience in commercial, residential, and alternative lending. After building his lending career with BDC and First West Credit Union, he joined PHL six years ago, where he oversees mortgage originations, renewals, borrower counseling, and distressed asset management across residential and commercial portfolios.
