• Dr. Andy Schell, DBA (Ph.D.), MSML, MBA, CPA/CFF, CMB

Predictable Profitability

The goal of Dr. Schell's MBS Financial Services is to improve the bottom-line results for our clients, so they achieve sustainable profitability.

According to the Small Business Administration, 90% of small businesses fail within the first three years. The two main reasons businesses fail are due to poor planning and poor financial management. Frequently, companies that fail do not know they are failing until it is too late.

Creating a mortgage lending financial forecast is essential for survival and is not a complicated task to accomplish. Developing financial and operational metrics is also important to create a well-run company. It is not difficult to implement metrics. The challenge is, acting on the data, changing course, or asking employees to change their activity.

Dr. Schell and the MBS team can teach you how to get your employees to accept metric management, which will help improve your bottom line. Also, see Dr. Schell's article about how strategy and change management.

Planning begins with data. Data includes an honest assessment of capability. The process of assessing your capability may begin by reviewing the investor scorecards to identify the operational areas for improvement. Examining the frequency of rate concessions by branch and by LO will also expose origination areas for improvement. Counting the number of underwriting conditions for each file can be a wealth of information to identify operational bottlenecks.

An LO that submits an incomplete file will slow down operations. This same is likely the LO complaining about the loan file pace. Identifying and "speaking truth" into this circumstance is essential for a healthy company.

The dynamics of a successful company are identifiable and measurable. Dr. Schell and the MBS team can help.

Dr. Schell and his team at MBS offer services in the following areas:

Growth Strategy – Dr. Schell can help you plan and execute a growth strategy.

Executive coaching - Leadership is a learned skill. Dr. Schell can teach you to be an amazing leader, an effective manager, and an inspiring coach that can foster a vibrant culture.

Accounting & Technology Services – Dr. Andy Schell, CPA, leads the accounting services team to become your outsourced accounting department along with MBS’ CIO, Theresa Marie to support your IT infrastructure needs.


Dr. Andy Schell, DBA (Ph.D.), MSML, MBA, CPA/CFF, CMB

Dr. Schell is CEO, Managing Partner, and Co-Founder of Mortgage Banking Solutions and MBS Financial Services ("MBS"), based in Austin, Texas. Dr. Schell is known for his ability to turn "vision into reality" and "chaos into order" as he finds creative solutions to the challenges his clients face addressing Revenue Stability, Technology Enhancement, Financial Management, and Workflow Efficiency.

He has 4 decades of experience as a strategist directing the activity of both small and large groups of employees including mortgage lending activity at Bank of America. His leadership knowledge extends from his hands-on experience and his doctoral academic pursuits in communication, strategy, and finance.

To find out more information on MBS Services, please click HERE

Find more information at




(512) 501-2812

Recent Posts

See All

Strategic Communication

Strategic communication, in its simplest form, identifies the matter by which the elements of the strategic plan are communicated to those responsible to implement the strategy. Strategic communicatio

Strategy Overview

Strategy is the map to the destination. Strategy identifies a company's future, the resources and capabilities required to deliver a product or service to the market successfully, and the steps needed