Dr. Andy Schell, Ph.D. - The Profit DoctorTM
FDIC & NCUA Mortgage Lending
Secondary Market Sale
is a highly profitable business line for FDIC & NCUA depository mortgage lenders -
provided all of the unique complexities are implemented correctly.
Bank CEOs comment that "it is more difficult than expected, but I'm glad we did it."
Secondary market mortgage lending faces two significant issues -
following the buyer's credit criteria and managing market risk until the loan sale.
Implementing measurement of a mortgage lending division is difficult and NOT primarily based on spread-based metrics alone. Loan sale gain is first.
Identify the best structure, MSR strategy, and mortgage forecast to boost profitability.
Key Performance Indicators (KPI) are essential to set clear targets and track success for maximum efficiency. Measuring mortgage activity is NOT spread based reporting.
Help leadership navigate mortgage lending, regulations, and strategic decision-making.
Get Dr. Schell's Health Check for your mortgage division. Everyone needs a check-up from an independent expert.
Technology integration, LOS setup, LoanVision configuration, and CORE GL system management and integration.
Optimize loan sales and risk management with expert hedging and agency delivery strategies.
Dr. Schell, PhD, CPA, CMB
Dr. Schell brings over 40 years of expertise in depository mortgage lending. He led mortgage operations for Bank of America in the 1990s, served as President of an IMB in the early 2000s, and as CEO of a firm he has advised FDIC mortgage lenders since 2007. A respected industry thought leader, he has published hundreds of articles at DoctorSchell.com. Dr. Schell completed a PhD, is a Certified Public Accountant (CPA), and a Certified Mortgage Banker (CMB)
Contact
Like what you see? Get in touch to learn more.
