LendSmart Consulting, LLC - Professional Lending Consultants to Financial Institutions

Text Box: LendSmart Consulting, LLC is a professional consulting firm dedicated to the lending industry with emphasis on mortgage banking. We are committed to growing our clients’ lending business by building innovative and complete solutions that reflect current best practices with next generation focus for growth. Our clients include banks both large and small, credit unions, mortgage bankers, investment banks, home builders and real estate brokers. The consumer lending industry is experiencing a period of fast transition. Traditional approaches to lending are being eclipsed by the demands of an evolving marketplace. Competing to win in today’s lending environment means adopting efficient business methods, fully using the latest technological advances and most importantly; attracting, motivating and retaining the very best personnel available. Our consultants bring many years of wide-ranging lending experience to the table, but perhaps what sets us apart is that we provide complete solutions. Rather than simply solving an issue for you, we build durable business processes tailored to your organization alone. We provide advice and counsel yes, but we also roll up our sleeves and tackle your issues personally and don’t stop until you are delighted with the results. Being a small and highly specialized firm limits us to serving a few clients at a time which is our preference. We evaluate each proposed project thoroughly and take on those we believe will have the most successful impact for our customer. Please call or e-mail for a confidential, no-obligation discussion of any project you may need assistance with.

877.931.4526 toll free

Jim Gueno

President and

Principal Consultant

870.931.4526

Info@Lend-Smart.com

© 2008 LendSmart Consulting, LLC - All rights reserved.

Text Box: “The mortgage lending business is both cyclical and volatile. Scalable business structures that limit fixed expenses in favor of variable cost structures are best situated to succeed in the coming years.” “Technology has changed the industry and it’s not done . . . the pace of change is accelerating. Those who recognize and best act on that will emerge on top as the industry further consolidates.” “Consumers want one stop shopping for financial services and growth of wallet share in addition to market share is the new benchmark.” “As loan products have homogenized widely across the industry and pricing has become more transparent, velocity of execution from application to closing is crucial to compete and survive.” “Risk now comes from all sides; fraud, repurchase, rate volatility and regulatory confusion are all growing hazards. Balancing aggressive entrepreneurship with sharp focus on risk avoidance is a tremendous challenge.”

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