Geminus Servicing Inc. (GSI)

Geminus Servicing Inc. (GSI) provides specialized servicing for commercial and consumer lending portfolios, ensuring operational continuity and institutional-grade compliance.

Contingency Support: Ready-to-deploy servicing in moments of disruption or transition.
End-to-End Management: Full borrower / originator lifecycle coverage—from onboarding to collections.
Scalable Execution: Flexible servicing aligned to your mandate and portfolio size.
Institutional Compliance: Infrastructure built for audit, reporting, and regulatory oversight.

Cold Standby Servicing

A low-touch contingency plan that keeps GSI ready to activate when needed.

Contracted as a named standby servicer
No active servicing or borrower interaction
Reviewed periodically for readiness and protocol alignment
Enables faster execution in disruption scenarios

Warm Standby Servicing

An active standby model for enhanced preparedness and continuity.

GSI receives and reviews portfolio data on a regular cadence
Simulated reporting and test servicing processes
Allows for near-seamless transition if servicing is triggered
Adds audit and investor confidence

Replacement Servicing

Full-service execution from onboarding through recovery.

GSI handles all borrower communications, billing, and collections
Manages document storage, reporting, insurance monitoring, and tax compliance
Scalable across portfolio types, industries, and asset classes
Built to institutional standards for compliance and transparency

Initial Assessment

We begin with a detailed portfolio data review and mapping process. We evaluate structure, data quality, and any custom servicing needs—laying the groundwork for a smooth transition.

Planning & Documentation

We prepare implementation plans tailored to the servicing mandate—whether standby or replacement. Fully diarized checklists are developed, and transition documentation (welcome letters, waivers, POAs, payout letters) is finalized in both English and French.

System Integration

Our teams align your portfolio with GSI’s servicing infrastructure. We configure and test our systems to support billing, collections, and reporting. Integration processes are clearly understood, documented, and ready for activation.

Staff Training

GSI service teams are fully briefed on the specifics of your portfolio. With fluency in English, French, Hindi, and Punjabi, our team ensures consistent, multilingual borrower engagement and compliance with jurisdictional nuances.

Transition Execution

Once all systems and personnel are in place, we move into active servicing—executing with minimal disruption and full visibility. Our business continuity planning ensures stability at every stage.

In today’s evolving regulatory environment, GSI offers advisory and training services designed to help market players strengthen compliance, mitigate portfolio risk, and prepare for legislative changes. With decades of experience in regulated and private markets, our team supports lenders and originators through practical, actionable compliance and guidance tailored to leasing and loan portfolios.

FINTRAC & AML Compliance Training: Onsite or virtual sessions to orient teams to evolving regulatory obligations, with support for developing policies and internal controls.
Portfolio Risk Audits: Periodic or ad hoc compliance reviews to ensure lending practices align with internal policies, master agreements, and industry standards.
Credit & Risk Training Modules: Custom-built training programs to support commercial and consumer credit teams, aligned with your company’s mandate and market exposure.

Regulatory Compliance & AML Expertise

Compliance support to help institutions meet AML and FINTRAC obligations.

Virtual or onsite training to prepare teams for new legislative requirements
Drafting and / or review of AML policies and procedures
Effectiveness assessments of AML compliance programs
Audits to verify adherence to reporting obligations

Portfolio Risk Audits

Independent reviews to ensure portfolios meet policy, contractual, and regulatory standards.

Periodic or ad hoc reviews of lease and loan portfolios
Verification of off-lease activity, defaults, and early terminations
Asset realization validation and tax filing audits
Transaction reviews for compliance with credit and collection policies
Enterprise Risk Management (ERM) framework assessment

Training & Advisory

Targeted training and process guidance to strengthen credit, risk, and operational practices.

Commercial credit training, including bureau interpretation and financial statement analysis
Fraud awareness training and mitigation strategies
Internal process reviews to optimize efficiency
Custom staff training aligned with institutional mandates and policies

Decades of Industry Experience

Our team has structured and serviced credit portfolios through multiple market cycles, gaining deep insight into borrower trends, asset behaviour, and risk dynamics across changing economic conditions.

Comprehensive Service Offerings

From onboarding to wind-downs, we provide servicing infrastructure that adapts to asset type, borrower needs, and performance conditions ensuring consistency, compliance, and control across the credit lifecycle.

Regulatory Expertise

We support lenders through policy-adherent workflows, compliance monitoring tools, and clear documentation that ensures readiness for audit, improved governance, and confidence in meeting institutional and regulatory standards.

Flexible & Scalable Solutions

Our model flexes with portfolio size, credit quality, and lender strategy-offering tailored servicing that scales with your business, aligns with your mandates, and adapts across diverse risk and asset environments.

Technology & Systems

GSI leverages LTi (LeaseTeam) software for end-to-end servicing operations, including billing, collections, customer service, and transaction processing.

We maintain dedicated SharePoint environments for data storage, use secure file transfer protocols, and operate with full cloud support and redundant backups to ensure reliability and business continuity.

Legal & Regulatory

GSI operates in full alignment with KYB/KYC protocols, Canadian privacy legislation, and Quebec-specific requirements including Law 25 and language laws.

We follow best practices for both consumer and commercial credit servicing, ensuring every mandate meets the standards expected by institutional lenders and regulatory bodies.

Business Continuity

GSI maintains robust disaster recovery and continuity plans, with core servicing systems capable of being restored within two hours and full operational functionality within 24.

We conduct regular Enterprise Risk Management reviews and undergo independent system audits through our parent company to ensure readiness and resilience across all servicing environments.

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Geminus Servicing Inc.

Expertise in Servicing & Compliance Advisory

Lease & Loan Portfolio Servicing

Audit and Compliance Advisory