Direct assignment
Fundamental analysisAlso called: Portfolio assignment
The outright sale of a loan portfolio to a buyer — often a bank meeting its priority sector obligations — with the seller retaining a prescribed minimum share of every loan and continuing to service them.
In plain terms
Where the transfer qualifies, the loans leave the balance sheet and the future spread is recognised now. The borrower never notices: the same branch, the same collections, a different owner of the interest.