Suite of Services

• Assess residential servicing operations to ensure that policies and procedures meet industry best practices.
• Analyze servicer financial viability and risk exposure.
• Provide crisis and management support services for all facets of servicing.
• Perform loan-level due diligence reviews to determine adherence to stated servicing practices.

• Assist with portfolio oversight and default projections.
• Develop ongoing surveillance activities to monitor servicing practices and loan performance.
• Perform ongoing operational assessments of current practices and planned initiatives.
• Conduct loan-level due diligence reviews of applied servicing practices versus stated practices.

• Development of servicing transfer strategic plans.
• Facilitation of cross-organizational and cross-departmental communication necessary to successfully execute a servicing transfer.
• Provide a thorough understanding of loan fields critical to administrative and default loan servicing functions.
• Manage servicing file transfer, including packing, shipping, accounting, and audit-trail preservation.

• Assist with the development of warehouse and custodial processes and controls.
• Establish guidelines, procedures, and reporting to ensure that the mortgage loans financed by the program conform in all respects to the warehouse loan agreement.
• Establish a monitoring program of the warehouse activities as well as carry out the due diligence activities of the program on an annual basis (or more frequently as needed).
• Identify potential warehouse operational risks and the controls used to mitigate such risks.

• Provide business integration planning and execution.
• Perform a comparative best-practice analysis and a thorough third-party vendor analysis to identify opportunities for economies of scale.
• Identify issues in compliance, quality, and execution that may compromise corporate stability or financial performance.
• Evaluate efficiency, risk, and performance of current internal operating controls, technology, and operating processes.

• Expanded knowledge of industry best practices and the impact on performance.
• Implementation of ‘best-in-class’ procedures to monitor, originate, and service mortgage collateral in a challenging environment.
• Achieve improved results through receipt of prioritized goal-based strategic planning and leverage Clayton’s extensive experience to develop timely and cost-effective business solutions.
• Reduce loan loss severities through enhanced origination services and improved servicing practices.
• Identify missed opportunities and process gaps through ongoing surveillance.
• Leverage metrics-based industry comparisons to gauge performance and identify areas for improvement.
• Assessment of potential loan programs and the regulations required for expanded product offerings.
• Risk mitigation through due diligence analysis of the risks/rewards associated with the purchase or sale of a target mortgage-banking business.
• Realize the impact of the acquisition/sale on financial statements, accounting policy, regulatory requirements or capital/liquidity requirements.
• Identify issues prior to a purchase that are crucial to the economics and risk of an acquisition.
• Improve marketing of an asset with independent experts that have a thorough understanding of the focus, potential concerns, and information needs of the mortgage-banking investor community.