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Articles about Risk Management


Residential | February 2010 
With Success Comes Safety
As mortgage-industry participants look to mitigate risk, it’s important to recall that ensuring success for lending professionals and borrowers represents one of the best solutions. Each mortgage tran...
By Mary Lee Widener, president and CEO, Neighborhood Housing Services of America

Commercial | March 2011 
Don’t Take Chances with Environmental Risk
Environmental contamination can wreak havoc with commercial real estate deals. Contaminated property securing a loan transaction can expose a lending institution to loan default, direct liability for ...
By Dianne P. Crocker, principal analyst, EDR Insight

Residential | July 2011 
Staying Ahead of the Floods
This past spring, heavy floods returned to the banks of the Mississippi River. The images of sunken homes and devastated towns reminded everyone of the dangers posed by life along the water. But the r...
By Greg Holmes, national director of sales and marketing, Credit Plus Inc.

Residential | January 2011 
Be the Best Broker You Can Be
When talking about risk in the mortgage industry, most people focus on compliance and fraud. Quality loan production is everyone's responsibility, however, not just that of compliance managers and pro...
By Stuart Blend, regional sales manager, Planet Home Lending

Residential | September 2012 
Monitoring May Mean Minimizing Risk
With increased scrutiny from regulators and the Consumer Financial Protection Bureau (CFPB), mortgage bankers and lenders around the country are growing increasingly concerned about monitoring their t...
By Kristina D. Maritczak, head of the mortgage regulatory and compliance group, Palmer, Lombardi & Donohue LLP

Residential | August 2012 
Quieting the Storm
Although the housing market continues to recover from the effects of the recession, foreclosures continue to be prevalent nationwide. This rise in foreclosures also has triggered a rise in quiet- titl...
By William P. Matz, Attorney and Broker

Residential | August 2012 
Foiling Fraud
The reverberations from the bursting of the mortgage bubble still are being felt today — and, according to the 2011 year-end report from the Financial Crimes Enforcement Network (FinCEN), the fallout ...
By Don Effertz, vice president of fraud risk management, DataVerify

Residential | April 2012 
Nip the Flip
For years, myriad homebuyers have tried to make fortunes by fixing and flipping homes. In reality, however, very few people are successful with the fix-and-flip model, as there are numerous conditions...
By Glen Weinberg, chief operating officer, Fairview Commercial Lending

Residential | March 2012 
Manage Third-Party Risk
Because of a variety of economic and political reasons, regulators have been applying increased scrutiny to foreclosure practices. Although most questionable practices have come from third-party servi...
By Uday Singh, partner, A.T. Kearney’s financial services practice

Residential | March 2012 
Keeping Quality in High Quantity
The head of a business’s quality control department isn’t always the most popular employee in the company. After all, it’s the task of the quality-control staff to push the operations staff to identif...
By Gagan Sharma, president and CEO, BSI Financial Services Inc.

Residential | May 2013 
Trust Your Loan Data
The digital age has allowed access to an unprecedented amount of information. Connected systems have opened the floodgates for sending and sharing programs, documents and information.In the mortgage i...
By Leonard Ryan, president and founder, QuestSoft Corp.

Residential | April 2013 
The Importance of AVMs
Complying with the growing number of lending rules and regulations has become more difficult for originators of all descriptions, and that likely won’t change in 2013. The qualified mortgage definitio...
By David Rasmussen, senior vice president of operations, Veros

Residential | January 2013 
Taming the Four C’s
The aftermath of the mortgage crisis has created an explosion in demand for cautious underwriting, with banks and lenders requiring more efficient and effective document review and management. Althoug...
By Judy Wheatley, senior vice president of compliance, Indecomm Global Services

Residential | October 2012 
Don’t Let Your Guard Down
The recent economic downturn in the United States affected every industry in one way or another — perhaps none, however, was hit as hard as the mortgage industry. Although there are countless theories...
By Dave Zitting, president and CEO, Primary Residential Mortgage Inc.

Residential | November 2012 
A High Score Doesn’t Mean Low Risk
Even among all the changes in the mortgage market — tightened programs, the dominance of the government-sponsored enterprises (GSEs), swiftly changing regulations — the ability to successfully origina...
By Gordon Crawford, vice president, analytics, DataQuick


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