Client-Centered Solutions

Spillane Consulting Associates prides itself on offering Client-Centered Solutions that leave you feeling prepared and confident for the road ahead. Read on below for a sampling of what we can do for you, or be sure to use our Contact Us Form with questions regarding additional services that may be available!

Workforce Planning and Development

SCA’s experienced HR and Training Development consultants will bring their expertise forward to partner with you and provide support and guidance in the following areas:

  • • Evaluating your current approach to workforce management by identifying strategies to strengthen and balance your plan, such as closing skill gaps and identifying opportunities to balance your staffing model in peak volume periods or during temporary Workforce Planning absences.

    • Hiring and Selection Support (identifying appropriate candidates for your open positions, interview planning, and candidate assessments).

  • • Leadership Training Programs, including One-on-One Coaching for leaders and emerging leaders, group training programs on a range of relevant topics that include Change Management, Coaching Strategies to Foster Your Team’s Growth and Effectiveness, Performance Management, Sales-Based Coaching, Leading Hybrid Teams, and more.

  • • Group Training on topics such as Customer Service Excellence- The foundation of Sales Success, Internal Service Excellence – The Secret Ingredient of Organization Success, Relationship Selling, and more.

  • SCA's skilled team will work with you to review the process of loan manufacturing from initial customer contact to onboarding or investor funding. We perform a detailed review by working with your staff to document your current processes, technology, and compliance. We will them provide a roadmap to achieving your strategic goals.

  • Spillane Consulting Associates can help you select, deploy, upgrade, or improve your residential lending technology platform. We have certified administrators with some of the most popular lending technology platforms on the market to keep your residential mortgage lending systems running smoothly.

    SCA’s experienced team is also available to assist with, or fully manage your origination system technology administration role. We resolve end user issues, user rights maintenance, and vendor/systemic issues, allowing for timely integration of new feature functionalities and required system updates. SCA will also manage partial or complete system reconfigurations, getting your technology up to speed and keeping your operation running smoothly. See our Technology Administration Services page for more information.

  • SCA will work with you to monitor and maintain your systems and processes ensuring your operation continues working soundly and delivering results.

Technology & Loan Origination

SCA’s experts will make sure that your staff, your systems and processes, and your technology are all optimized while ensuring that all compliance regulations are satisfied at every step of the process.

Loan Servicing & Secondary Market

Maintaining your portfolio, investor, and delinquent loan portfolio requires skilled staff, proper technology integrations, and useful procedure guides. SCA stands ready to help implement the changes necessary for success through:

  • SCA's skilled team will work with you to identify your operational bottlenecks and apply solutions that work for you, developing proper workflows and procedure documents that support your operation.

    SCA will not only provide an assessment of your current use of automation, but also has the resources to work alongside you to integrate changes and enhancements, providing training tools and job aids along the way.

    SCA's knowledgeable team will help you assess if your current vendors are working best for you, and what alternative options may be available if you are finding that they are not.

  • SCA is able to assist you in building confidence around your investor portfolio, reviewing the cash flow and reconciliation process, and providing training and support for addressing deficiencies.

    We provide outsourced services for investor reconciliation, to relieve pressure on existing team members, or to fill gaps in staffing needs.

    We offer streamlined investor loan recon review services for those interested in a brief assessment to determine accuracy, efficiency, and that your operation is in good working order.

  • SCA’s experienced team will help you with delinquency management, allowing you to focus on helping your customer. We provide hands-on training, job aids, and development of GSE and portfolio default management solutions, as well as scalable solutions for outsourcing part or all of your Collections department.

  • Even the best of the best need support. Whether you’re evaluating outsourced service opportunities, or looking to expand your operational footprint, SCA can act as a sounding board for your ideas and raise alternative considerations you may have never thought of alone.

  • We offer loan sale advisory services scalable in all sizes. Whether just starting out, or seasoned secondary market participants, SCA can guide your way. We also offer Mortgage Exchange services where we can help connect you with the right match to improve capital or liquidity just when you need it.

  • Keeping a pulse on profitability is essential from an Executive Management perspective. But are the tools and mechanisms used to measure this telling you what you need to know? Find out just how to regain confidence in knowing what’s making your business money.

Strategic Planning

SCA’s seasoned industry leaders are everything you need to guide you through the toughest of Strategic Planning exercises, leading you on the best path to success. We offer support services in areas including:

HMDA

SCA’s experienced team is eager to support your HMDA/LAR needs on a monthly basis. We provide services including:

  • We’ll take the guess work out of HMDA/LAR validation, monthly scrubs, and LAR submission guidance and support.

  • We’ll provide you trend analysis summaries and usable data to help your team understand HMDA basics and “getting it right”.

  • We offer training and support services to take your team’s HMDA knowledge to the next level- empowering team members with the skills needed to build up confidence around HMDA reporting.

Outsourced Services

In today’s dynamic mortgage industry, managing processes efficiently and cost-effectively is crucial. SCA’s cutting-edge outsourced services allow you to optimize your resources and reduce unnecessary expenses.

  • Residential loan closing services are essential for finalizing a mortgage transaction between a borrower and a lender. By utilizing SCA for this service, lenders can adopt a cost-efficient model that utilizes seasoned expertise and compliance-focused knowledge to seamlessly execute your closings, providing reliable support during peak times and reducing overhead during slower periods.

  • We offer services to support your process by obtaining desk and field appraisals on your behalf, keeping your team moving forward while we chase down what you need.

  • SCA offers credit and appraisal reviews as a service as well. Use these as an outsourced service on a full or partial scale, or as a second look on challenging or risky individual loan scenarios.

Compliance

SCA’s Compliance services aim to build foundational knowledge in preparation for, or in response to regulatory scrutiny. We offer support services in areas including:

  • Our compliance reviews are performed with special emphasis on mitigating risk, where we expose areas that pose the most risk of consumer harm, in accordance with interagency exam procedures.

    Additionally, we perform assessments on fair lending with a special focus on redlining analysis and CRA data analysis.

    The SCA team will then develop presentations and action plans to present to examiners or your Board of Directors to ensure satisfactory results.

  • Our compliance experts offer training services to get your staff up to date on any mortgage subject. In addition, we can help you with implementing the new CRA and 1071 Rules.

    Our compliance clients benefit from the availability of answers and resolutions in time frames as short as one hour. These resolutions have often led investors to buy loans that they were previously rejecting.

  • SCA’s Compliance team stands ready to help you in any way you need to prepare for, or respond to exams and findings.

    Some examples include:

    Flood

    RESPA Section 8

    CRA exam prep

    TRID reviews

    CRA/Fair Lending analysis

    FCRA analysis

    and more!

Due Diligence

We have a team of QC personnel that are available to perform your due diligence work. Talk to us about outsourcing functions such as those listed below, and enjoy the benefit to your bottom line.

  • Our highly experienced Pre funding QC analysts provide fast, objective feedback on the quality of loan decisions and file documentation before you proceed to closing. Let our comprehensive review help you identify concerns before they become systemic or result in loan repurchases.

  • By outsourcing post-closing QC services, lenders can benefit from expert knowledge, increased efficiency, and reduced risk. Our professional QC team provides a thorough review of loan documentation to identify potential errors or inconsistencies that could lead to legal, financial, or reputational risks.

Ready to Get Started?

Connect with us to see how we can help your management team and staff to streamline process flows, improve compliance results, enhance systems utilization and optimize staff composition.