Consumer Lending

Work with a team that has experience in originations and servicing organizations’ operations.

Our team has logged more than 200,000 hours focused exclusively on consumer lending governance services, including work for the Office of Mortgage Settlement Oversight as one of only five service providers selected to support the National Mortgage Settlement.

Case studies

Case Study

Regional banking and investment company streamlines performance processes with Oracle HCM Cloud

Our solutions

What you can expect

You receive pragmatic advice and insight based on the deep consumer credit experience of our specialists. Manage risk effectively within your processes, enhance your operations with efficiencies, implement industry best practices and make better-informed business decisions.

Industry and service specialization

Count on a team dedicated to your industry and specialized by service. Benefit from service specialists engrossed in the financial services industry – following industry trends, involved in industry associations and organizations, and staying abreast of the changes impacting organizations like yours.

Services

Laws and regulations assistance

Interpret applicability of laws and regulations on complex or atypical transactions
Interpret compliance with laws and regulations on agreed-upon benchmarks
Evaluate the applicability of specific laws and regulations based on specific business activities and/or initiatives

Policies and procedures

Assess operational controls and compliance management oversight
Evaluate compliance with laws and regulations through review of policies and procedures

File review

Evaluate compliance with laws and regulations through review of transaction level detail
Evaluate compliance with internal policies and procedures through review of transaction level detail
Based on a statistical sample, assess origination and/or servicing operations through testing agreed-upon benchmarks

Data analysis

Define or gain an understanding of a defined test population and evaluate data queries to determine whether resulting data will meet test population criteria
Analyze large amounts of data using electronic review tools
Evaluate data integrity based on the details in individual loan files

Vendor management

Evaluate vendor management policies and procedures
Review vendor management scorecards and evaluate ability to assess critical vendors

Business continuity planning

Program initiation and planning
Risk assessment
Business impact analysis
Develop continuity plan
Training and implementation
Testing and maintenance

Depend on the skills, knowledge and exceptional client service of the Baker Tilly financial services team to help you achieve your business goals. For more information on these services and more for your organization, contact our consumer lending team.

Our services

Cybersecurity
Proactively protect and address your cybersecurity and information technology (IT) risks.
Data Solutions
Capturing, understanding and leveraging the data that matters most and bringing it into focus is no trivial matter. Rely on our experience to drive your business forward.
Forensic Accounting
When critical situations arise, organizations count on Baker Tilly to deliver accurate and reliable financial analysis to help forge a path forward.
Transaction Advisory Services
Baker Tilly’s transaction advisory services team provides straightforward advice to clients on every critical business decision before, during and after a transaction.

Related industries

Banking & Capital Markets
With the banking industry (and world) in a state of digital transformation and change, you need a team that can assist in navigating challenges and charting a new course.
Community Banks
Faced with changing regulatory requirements, intense technology disruption and an accelerated M&A environment, community banks need specialized financial and operational solutions tailored to their size.
Credit Unions
Baker Tilly financial institutions practice leaders work with credit unions to help them enhance member experience, deliver on their mission and grow their institution.
Financial Services
The financial services industry continues to diversify, but competition and more complex vendor relationships make determining business strategy more complicated.

E-book

Sustainable cybersecurity management e-book

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Executive uses data analytics to improve his organization's performance

Webinar

CECL implementation: Virtual workshop on CECL methodology – vintage loss analysis

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