Consumer finance

Enhancing origination revenue through price optimization modelings Enhancing origination revenue through price optimization modeling
Market factors like the current interest rate environment, population demographics, and competition, should be considered when modeling mortgage demand and the impact on price changes to consumer's price elasticity to realize potential improvements.

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New supervisory guidance on model risk management: Overview, analysis, and next steps New supervisory guidance on model risk management: Overview, analysis, and next steps
Insights on the new supervisory guidance on model risk management that, for many in the industry, will represent a significantly higher set of expectations to meet.
Prepare now to manage REO (real estate-owned) inventory growth Prepare now to manage REO (real estate-owned) inventory growth
Now is the time to start strengthening your REO infrastructure to control costs and optimize returns. Industry experts have long warned of a massive and growing shadow inventory of real estate that is set to hit financial institutions’ books as REO properties.
Enhancing the customer experience in consumer lending Enhancing the customer experience in consumer lending
By enhancing the customer experience, lenders can open the door for increased customer loyalty and retention, more opportunities for cross-selling, and new customers - all of which can contribute to greater profitability and a better brand in the marketplace.
Reining in foreclosure timelines: Avoiding the high costs of delays Reining in foreclosure timelines: Avoiding the high costs of delays
While mortgage servicers are reeling from expenses related to foreclosure affidavit defects, a more costly threat is poised to batter the industry: extended foreclosure timelines. Millions of loans are currently stalled in loss mitigation and foreclosure. These delays could inflict a hefty price tag on the industry based on the expenses associated with a protracted foreclosure timeline.
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In the current environment, requesting assistance from industry experts allows for risks to be mitigated through the use of focused professionals who are adept at isolating issues, benchmarking practices and developing innovative solutions to complex business problems.

The Consumer Finance Group is composed of over 150 professionals across the country dedicated to solving complex business problems for clients in the consumer finance sector. Our focus is on mortgage banking and other forms of consumer credit, which means we are at the forefront of the industry working with our clients to anticipate, understand and resolve emerging issues. Our group’s collective knowledge is invaluable at a time when profits are under pressure, monitoring of risks is more difficult and gaining an edge over the competition is more challenging than ever. In response to these and other challenges, we can assist our clients in the following ways:
  • Risk-based process diagnostics and benchmarking (e.g. default, collections, REO)
  • Due diligence and post-merger integration assistance
  • TDR accounting and loan modification process analysis and support
  • Development of loan accounting, finance effectiveness and economics solutions
  • Servicing profitability and cash management strategies
  • Model validation
  • Loan price optimization strategies
  • Customer and household segmentation strategies
  • Assisting with strategies surrounding increasing customer retention, improving cross-sell opportunities and understanding customer values
  • Technical accounting assistance
  • Providing change management strategies for effective downsizing
Our clients consistently turn to us for help resolving complex business issues in areas such as: Loan production, servicing, capital markets, risk management, finance and accounting. Our detailed subject matter knowledge and regular communication with industry leaders allow us to remain focused on enhancing the core competencies of our clients.