Advisory Services

Originator Operational Review

Infinity conducts reviews of originators process and policies and production to understand their ability to cope with regulatory and investor guidelines. Infinity also assists new originators set up relevant policies and procedures to meet leading industry practices and federal guidelines. With experience spanning from setting up correspondent lender networks to establishing new conduit programs to assessing internal originator efficiency, Infinity’s team of seasoned professionals can provide valuable insight into origination operations.

GSE Direct Issuer Mock Audit

If you are looking to become a direct issuer with the GSE’s, Infinity with its extensive experience can help you establish relevant policies and procedures to meet GSE guideline. Infinity also assists you in setting up relevant agency required quality control measures, help improve processes, help in evaluating underwriting and credit guidelines and conduct mock audits to ensure a smooth approval process.

MSR Sales and Acquisition Review

If you are an MSR owner looking to sell your rights or looking to acquire MSR rights, Infinity can help you mitigate risks and give you a in depth perspective to make informed business decision, infinity will review:

Servicing and delinquency advance reconciliation
Vendor payment reconciliation
Custodial account review and reconciliation
Purchase and Sale Agreement compliance

Default Review

Foreclosure and Bankruptcy practices

Repurchase risk analysis
Servicing practice assessment / gap analysis
Investor Reporting review and analysis

Servicer operational Oversight

Infinity’s monthly surveillance (Oversight) begins with determining the sample size and population of loans for review. Loan reviews can be performed on a statistically relevant sample of loans to identify risk across the broader population. Another approach is to base the review on adverse selection using loan-level data points to identify those with the highest risk. Infinity provides recommendations for the sampling factors based on our understanding of high risk characteristics
Infinity also performs pointed reviews on various aspects of servicing that align with varying corporate objectives, government regulations and/or investor mandates. Using these resources and in cooperation with the client, Infinity can create comprehensive audit testing scripts to defined samples of loans. Servicing audits will encompass all areas of servicing including on-boarding, loss mitigation, bankruptcy, loan modification processing, REO and investor reporting functions. Infinity will:

Develop policies and procedures related to Master Servicer or Servicer oversight of servicers and sub-servicers for Agency/GSE and private servicing
Conduct Annual onsite reviews and exception follow up
Prepare Policy/Procedure/Compliance Review
Reporting validation
Loan Level Testing
Cash Flow Validation (follow the cash)
Custodial/cash account reconciliation review
Operational Management and Staff Interviews, Process Walkthroughs