Review and restructuring of mortgage product offerings and mortgage lending processes. In today’s business environment, product offerings must directly address credit risk and avoid even the appearance of being “sub-prime”. In addition, the product lineup must include a variety of loan types so that homeowners in the target market segment can be fitted to a loan product that suits their economic situation. Having too many products leads to higher operating costs and reduced internal flexibility regarding secondary marketing options.

Firm's GAP analysis. Interest rate risk is one of the key financial risks faced by a portfolio lender. Understanding the firm’s position in its balance between funding and investment is critical to long-term profitability.

Marketing strategy and plans. Volume is important to achieving profitability for any lender/originator. GHS will help management identify the competitive forces at play in the chosen market and provide a complete competitive analysis of the market dynamics. We will then work with management to design an effective strategy and plans for implementation.

Portfolio management. Lender/originators that hold mortgage portfolios need to know current market valuations and need to be able to make periodic judgments about which loans or MBS to hold and which ones offer opportunities for selling. Our proprietary software helps us reveal insights into such decisions.

Stress testing for capital adequacy; firm-level financial planning. Stress testing has become “in vogue”, but it really is a time-honored managerial approach to managing risk and capital adequacy on a continuing basis. Our proprietary stress test model can offer such insights. In addition, this model is designed to serve as a financial planning and viability analysis tool on a broader scale.

Reorganization of responsibilities and reporting structure. For many lenders recent credit problems in their portfolios highlights opportunities for corrective actions. Some these actions may be process-oriented, others may be related to organizational issues. We can help management sort out these issues and work with senior officials to re-vamp both processes and line organization to achieve higher productivity and reduce risk.

Market review and analysis. GHS_LLC has the capabilities to research and review new markets, market segments and market competitors. We can provide analysis and advice regarding marketing strategy and positioning to achieve threshold volume and reach sustainable profitability.

Funding strategies. The challenge of funding operations is to strike a balance between the cost of funding and acceptable levels interest rate risk. We will work with our clients to explore the boundaries of the equation and help devise funding strategies in line with Management’s assessment of the risk tradeoff.

Risk management. General risk management, not encompassing credit or interest rate risk, is another core service offered by GHS_LLC. This area includes operational risk, liquidity risk and reputational risk. Our firm will address the risk spectrum with a complete assessment and engage Management with the results of our analysis and assessment.