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ADVISORY SERVICES

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Pinnacle Rock Capital will provide an objective assessment of compliance with loan servicing activities to ensure the servicer is effectively managing the requirements of federal and state regulators, the CFPB, investor rating agency guidelines, and internal policies and procedures. The general areas includes:

Loan Administration – Review the policy, procedures and processes that relate to a loan servicer's oversight and management of the loan portfolio.

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  • Loan Data

  • Loan Boarding

  • Interest Rate Oversight

  • Force Placed Insurance

  • Property Valuations

  • Loan Modifications

  • Payoff Statements

  • Lien Releases

  • MERS Loans

  • Tax Reporting

  • Reg AB reporting

  • Financial Audit Review

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Document Management – Review of policies, procedures, processes that specifically relate to oversight of document management throughout the life of the loan on the platform.

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  • Imaging Oversight

  • Custodial Document Retention Plan

  • Monthly Billing Statements

  • Escrow Disclosures

  • Annual Tax Documents

  • Payoff and Post Payoff Retention

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Collection Operations – Review of policies, procedures and processes deemed to specifically relate to oversight of collection/loss mitigation staff and systems.

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  • Collector Oversight

  • Telecom and Software Monitoring

  • Collection Call Review

  • Score Card Review

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Compliance – Review of policy, procedures and processes deemed to specifically relate to the oversight of compliance to security and licensing programs.

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  • Servicer Policy and Procedures

  • Organizational Chart

  • Servicer Licensing

  • Servicer Staff Licensing

  • Servicer Staff Training

  • Servicer Pooling and Servicing Agreement Oversight

  • Disaster Recovery and Colocation Backup

  • Emergency Management Plan

  • Examination Review (from regulators and agencies)

  • Servicer File Security (both boarding and ongoing management)

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Escrow Balances – Review of policies, procedures and processes that relate to the oversight of the management of escrow general ledger account balances and custodial accounts.

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  • Escrow Account Balances

  • Escrow Analysis

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Escrow Advances – Review of policies, procedures and processes deemed to relate to the oversight of management of escrow advance disbursements and expenses.

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  • Escrow Advances

  • Private Mortgage Insurance and FHA oversight

  • FHA Claims Documents

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Corporate Advances – Review of policies, procedures and processes deemed to specifically relate to the management of corporate advance disbursement and expenses.

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  • Corporate Advances

  • Mortgage Expenses

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