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| Increase Profitability Improve Performance Manage Risk |
Due Diligence
Small to mid-sized banks seeking to acquire companies with mortgage operations must perform
due diligence to establish value and understand the risks involved with the acquisition. There are
a number of scenarios where hiring independent mortgage experts can be extremely beneficial to
the acquiring company.
mortgage operations. We will conduct a due diligence review tailored to your concerns and
objectives. Our evaluation will give you a comprehensive overview of the strengths and
weaknesses of the company being reviewed, with recommendations to increase profits, mitigate
risks and improve performance.
Our due diligence review will focus on:
Small to mid-sized banks seeking to acquire companies with mortgage operations must perform
due diligence to establish value and understand the risks involved with the acquisition. There are
a number of scenarios where hiring independent mortgage experts can be extremely beneficial to
the acquiring company.
 | Your company does not have the expertise or the resources to conduct a due diligence | |
| review. |
| You need to have a complete understanding of the quality of originations, processes and | |
| reputation of the mortgage operation to be acquired. Potential problems need to be identified to enable you to make informed decisions regarding the company’s mortgage operations. |
| The processes, policies, procedures and selling strategies used by the company being | |
| acquired are different from your current policies. You must determine how to integrate the acquired company into your mortgage operation. |
| The company you are acquiring has a larger mortgage presence than your company, and will | |
| result in a significant increase in your mortgage production. You want to keep mortgage volumes the same following the acquisition but need help to better understand the risks. |
| The company you are acquiring does third party originations. You do not. You want to | |
| determine whether to continue to originate third party business. |
mortgage operations. We will conduct a due diligence review tailored to your concerns and
objectives. Our evaluation will give you a comprehensive overview of the strengths and
weaknesses of the company being reviewed, with recommendations to increase profits, mitigate
risks and improve performance.
Our due diligence review will focus on:
- The mortgage lender’s business model and plan
- Products and investors (past 2 years and current)
- Human resources and personnel
- Budgeted Revenues / Expenses
- Secondary marketing strategy and results
- Quality Control / Compliance
- Policies and Procedures
- Credit risk / Loan quality
- Management Reporting / Controls
- Systems functionality and usage
| 5111 Trenholm Road | Suite 220 | Columbia, SC 29206 | 803.461.0168 |
| Cutler Consulting, Inc. Strategic Mortgage Partners |