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Business Process Improvement
Clayton Consulting has a proven business process re-engineering methodology that
enables the design of optimal processes for your organization.
Suite of services
Operational Assessments & Benchmarking
- Assess companies currently originating or servicing residential mortgage loans
to ensure that policies and procedures meet industry best practices.
- Perform loan-level file audits across a random sampling of loans to determine if
loan-level servicing performance is an indication of operational servicing
risks.
- Conduct metrics-based benchmark analyses to provide industry best practice
guidance and comparative assessments for the improvement of operational
efficiencies.
Operations Development and Integration Solutions
- Design a function, department, or mortgage operating company from scratch.
- Develop and implement strategic plans, new business units, and capacity planning
models.
- Assist in developing optimal organizational structure and processes, including
key performance metrics and technologies needed to participate in the current
mortgage market.
- Support integration efforts through the management of strategic plans, review of
policies and procedures, and implementation of a combined operating environment.
Policy and Procedure Assessment and Development
- Conduct a “gap” analysis of current policies and procedures to determine
opportunities for operational efficiencies.
- Recommend industry best practices.
- Develop and implement policies and procedures for new, integrated, or legacy
operating environments.
Development of Warehouse Lending Processes and Controls
- Create and implement warehouse processes and controls.
- Establish a monitoring program of the warehouse activities, as well as carry out
due diligence activities on an annual basis (or more frequently as needed).
Process Re-engineering
- Review current and projected workflow, caseloads, and capacity planning.
- Assist in developing and implementing optimal organizational structure and
processes, including key performance metrics and technologies needed to meet the
needs of the current and anticipated environment.
Business Process Outsourcing
- Provide servicing assistance in default and non-default areas, including call
center activities.
- Perform loss mitigation fulfillment activities.
- Internal audit and third-party oversight functions.
- Provide temporary or permanent on-site staffing and training.
Reverse Mortgage Origination and Servicing Solutions
- Evaluate existing reverse mortgage origination and servicing operations to
ensure that policies and procedures meet industry best practices.
- Establish policies and procedures needed to maintain compliance with
HUD-regulated reverse mortgage servicing timelines and requirements.
- Assess traditional HECM and proprietary reverse mortgage loan programs to
ensure compliance with FHA/HECM policies and other investor-specific reverse
mortgage origination and servicing requirements.
- Provide interim reverse mortgage management support services as well as
permanent and temporary staffing.
What is the value-add to your business?
- Customizable, cost-effective, or outsourced solutions for specific business
needs.
- External subject matter expertise and dedicated team structure
minimizes the impact on operational management and staff.
- Independent and
objective development of gap analyses, recommendations, and remediation plans to
assist in implementing best-in-class procedures to monitor and service mortgage
collateral in a challenging environment.
- Dedicated team composition throughout
the project life cycle (on-site review, testing, gap analysis, and remediation
planning).
- Consistent, third-party consulting team can be engaged to
facilitate remediation plans and on-going project execution assistance.
- Mortgage industry subject matter expertise combined with consulting, project
management, and operational improvement experience in today’s mortgage loan
servicing landscape.
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