LendSmart Consulting, LLC

Start-up and Transition Project Management

· Start-up of new mortgage departments for established and de novo institutions

· Wholesale, brokered to delegated correspondent channel transitions

· Best efforts flow to mandatory delivery/AOT transitions

· FHA, FHA-DE, Ginnie Mae, Fannie Mae, Freddie Mac, VA, USDA Rural Housing agency approvals and program implementations

· Wholesale, correspondent and internet lending channel start-ups

· Local, regional and national geographic growth assistance

· Aggregated lead system advisory and implementation (Lendingtree®, Bankrate®, etc.)

Advisory Services

· Mortgage company acquisition/merger advisory and due diligence assessments

· Workflow design and implementation for application to close efficiencies

· Regulatory compliance and quality control advisory, assessments and reporting

· Relationship development advisory for leading national correspondent investors

· Secondary marketing, interest rate risk/hedging strategies

· P&L evaluations, profitability enhancement/expense reduction strategies

Personnel

· Recruiting and assessment of mortgage personnel.

· Compensation and performance strategies

· Training and development

· Outsourced and contracted personnel placement

Sales and Marketing

· Advertising, creative design, branding and marketing strategies

· Direct sales staff development, training and assessments

· CRM System design and implementation

· Affinity/group sales strategies

· Customer total satisfaction/loyalty strategies, evaluations and reporting

· Interior flat screen digital signage systems - both networked and stand-alone

· Cross-sell strategies

Technology

· Selection advisory and system implementation of leading core mortgage lending systems

· Website design, development and integration of proprietary B2C internet mortgage origination websites

· Price/product engine selection advisory and system implementation for best execution loan pricing strategies and profitability enhancement

· Integration of online aggregated lead channels (LendingTree® , Zillow® , etc.)

· Systems hardware sales and service - Dell® and Sony® value-added reseller

· Conversion to SaaS/ASP technology models to enable telecommuting and workload dispersion across locations