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Mortgage Banking

We Deliver Mortgage Banking Insights and Execution Capabilities

  • Raise growth capital, including warehouse lines, gestational repo lines, MSR lines, servicing advance financing, loan repurchase facilities and equity
  • Perform due diligence/business review for mortgage warehouse lines
  • Design and implement digital mortgage strategies, including point-of-sale and loan origination systems, product and pricing engines, and servicing platforms
  • Use technology to increase capacity to originate, underwrite and close more loans during refinancing waves
  • Improve FP&A management reporting to influence ownership culture and drive P&L accountability across Sales, Ops and Corporate
  • Upgrade default servicing tools to better manage forbearance and loss mitigation requirements post-COVID
  • Position mid-size and large mortgage businesses to transition into a depository model which allows expansion into complementary products (warehouse, consumer loans, etc.)
  • Optimize sales models between distributed retail and call centers
  • Assess readiness to perform as an agency seller/servicer and ongoing key performance indicator (KPI) requirements
  • Integrate pricing engines and analysis of cover bids to quantify pricing and counterparty risk
  • Implement SmartDiligence™ for pre-close/post-close quality control (QC) to reduce repurchase risk
  • Utilize SmartLM™ on loans in forbearance to provide a fully automated processing of loss mitigation requests
  • Improve pipeline management systems with dynamic pull-through modeling, multi-factor fall-out analysis and optimized float-down policy
  • Analyze prepayment propensity using internal/external data sets to capture the refinancing opportunities
  • Perform risk retention analysis on counterparties, mortgage servicing rights (MSRs), excess servicing strips and servicing cost