2. Mortgage Insurance IndustryDifficult EnvironmentCosts way up – profits way down COSTS Investment portfolio losses in the market downturn Increased claims due to high foreclosure rate Credit rating downgrade or watch PROFITS
3. Sins of the Past “Unfortunately, the lending practices of the past have dramatically increased the volume of claims tainted by fraud filed with Mortgage Insurers.” David M. McGraw CEO – SSI, Inc.
4. Unique dual servicing delivery platform Internal team capabilities and mortgage experience External team that possesses professionalism, and long term investigative experience Advanced Technology with integration capabilities Focused services provided in addition to optional services as requested or needed by client Compliant policies and procedures regarding proprietary information Longevity and Consistency WHAT MAKES US DIFFERENT
5. Provide our customers with both seasoned mortgage professionals as well as vetted and licensed private investigators Manage scheduling and billing hours for our clients with respect to outside private investigators Reduce collateral clutter by managing report information and maintaining complete reports in house Unique Dual Servicing Platform
6. Over 207 years of mortgage underwriting and risk management experience The ability to spot irregularities quickly Adept at quickly reviewing loan packages Comprehensive and concise reporting Multi-lingual Staff Management of individual private investigators scheduling, and billable hours Our Internal Team
7. Over 500 FBI, Sheriffs, and law enforcement professionals, ready to serve our clients needs All vetted and properly licensed within their state requirements SSI, Inc. is creating and launching webinar, power point, and awareness and sensitivity training for our private investigators to better serve our clients Our External Team
8. Retooled our delivery system for best integration possible Works directly with our clients documentmanagement system Direct login to clients secure network Auto notices of file transmittal Paperless Technology
9. Re-verification of loan documents such as income, employment, assets and HUD-1 Settlement statements Database searches of undisclosed properties Reasonableness of income Face to face or phone interviews with borrowers as required by client Our Service to YOU
10. Initial desk review to include “red flag” analysis as well as risk based borrower scoring system Loan portfolio sampling, random or stratified samples Value Added Services
11. Over 25 years in the business of investigating mortgage fraud Longevity and Consistency
12. Unique dual servicing delivery platform Internal Team capabilities and mortgage experience External Teamthat possesses professionalism, and long term investigative experience Advanced Technology with integration capabilities Focused services provided in addition to optional services as requested or needed by client Compliant policies and procedures regarding proprietary information Longevity and Consistency Our differences that MAKE the difference
14. Carlton Carden Vice President Corporate Development Successful technology entrepreneur 28 years experience in business & corporate development Georgia Tech & Stanford Business School graduate
15. Marie Summers 20 Years Mortgage Industry Experience 15 years Regional Manager 2 years OPS Manager 3 years Account Executive Regional Manager of the Year 2006 AE of the Year 1997
16. Susan Blair 25 Years in the Mortgage Industry 17 Years Operations Manager 5 Years District Credit Manager Underwriter 2 Years Producing Branch Manager 6 years Processing Manager