NMP - December 2016 - 99


valuation/appraisal, technology or
servicing-must be resilient and
flexible as well. It's likely that the
origination market will change again
... and again. If your service
providers specialize in refinance, a
true purchase market could lead to
significant delays and errors in your
process. Make sure that flexibility is
organization-wide. We're seeing
many different kinds of
"partnerships" today among service
providers, but not all are marriages
made in heaven. When vetting your
service providers, and managing,
make sure that all elements of the
operation are scalable and able to
adapt to a rapid market change.
Also, be aware that there are two
sides to technology. Be sure your
service providers are making use of
technology that fits their services,
and that they have adequate
personnel and training as well. After
all, the old axiom "garbage in,
garbage out" remains true-
especially when it comes to
mortgage data.

successfully adaptive business to be
in tune with all of its partners as
though they were internal

departments themselves. To
ignore this reality is to leave your
future to chance.

Timothy Moreland is senior vice president at ATPR Inc., a
provider of technology-based solutions for the real estate
lending and settlement services industry and a whollyowned subsidiary of SLK Global. He may be reached by
e-mail at Timothy.Moreland@ATPRInc.com.

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THE ORIGINATOR OF THE MARKET ADVISORY SERVICE
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99

n National Mortgage Professional Magazine n DECEMBER 2016

Always stay in touch with the
market when on the go with
our Mobile Web App. It's fast
and easy to use. Whether you
have an iPhone, Android,
Blackberry, Windows Phone, you'll always have access to
MBS Highway. No downloads, no annoying updates, just
visit m.mbshighway.com in your phone or tablet's browser.

EASILY SHAREABLE CONTENT
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and housing data.

NationalMortgageProfessional.com

Make sure not only that your
workflow and operations are
efficient, but that your
partners' are as well
You've installed the latest and
greatest loan origination system
(LOS) for your enterprise. You've
visited and revisited your workflow
and operational processes to
eliminate chokepoints and
opportunities for delay, waste and
even fraud. Your staffing is flexible.
You've outsourced non-core
functions. But have you looked
closely at your partners'
operations? If not, you may be
leaving yourself exposed to higherthan-necessary costs; potential
delays or errors (especially during
market shifts) and even
regulatory/enforcement risk,
especially where the actions of the
service provider impact the
consumer.
Successfully flexible firms want
to see embedded technology within
their partners and the elimination of
as many manual processes
(especially data entry, etc.) as
possible. Such firms measure the
quality of the personnel and training
of their partners. If their partners
use vendor networks of their own,
how seamlessly do they interact
and collaborate? What's the quality
of data, services or products
provided by those fourth party

partners? The reality today is that
bringing everything "in house" is
rarely the optimal strategy for
addressing sudden market dips
and spikes. This means that your
networks and partnerships are
more critical than ever. It also
means that not just any service
provider will do. It's up to the


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Table of Contents for the Digital Edition of NMP - December 2016

Contents
NMP - December 2016 - Cover1
NMP - December 2016 - Cover2
NMP - December 2016 - 1
NMP - December 2016 - Contents
NMP - December 2016 - 3
NMP - December 2016 - 4
NMP - December 2016 - 5
NMP - December 2016 - 6
NMP - December 2016 - 7
NMP - December 2016 - 8
NMP - December 2016 - 9
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NMP - December 2016 - 11
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NMP - December 2016 - Cover3
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