Documentos de Académico
Documentos de Profesional
Documentos de Cultura
www.infosys.com/bpo Jun 07
Agenda
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US Mortgage BPO market is projected to reach $ 6.6 B by 2010
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A typical leader in the mortgage BPO space…..
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Mortgage processes offshoring can be implemented across several
segments of the mortgage value chain
Primary Loan file set- Document Doc. Audit Line of credit Tape Cracking
Marketing up Preparation management
Physical file Due Diligence
Loan Loan Loan shipping Document
Application Processing Funding management Securitization
Taking
Underwriting Document Funds
HMDA Audit Loan Pool
Pre- recording disbursement
Post- & reporting Analysis
qualification
underwriting Managing
Post-closing
Pricing/Rate Trailing Bulk
Underwriting audits
Lock documents acquisition
sign-off
Doc. data gathering
VOE
Indexing
Usually not offshored
Can be offshored
On-site communication with borrower/broker/loan officers not Offshored Being done by Infosys BPO
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Mortgage processes offshoring can be implemented across several
segments of the mortgage value chain (Contd..)
Payment
Escrow Customer Default
Loan file setup processing
management service Management
and reporting
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Inside – out view of Offshoring: Efficiency and Productivity gains
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We see the following trends in the Mortgage BPO Industry in light of the
recent sub prime crisis
Short Tem
Medium Tem
– Negative Impact on Off shoring of additional work
– Renewed interest in Off-shoring as Mortgage companies
– Niche BPO Companies in the Origination space severely impacted
seek to leverage transaction pricing arrangements to move to
– BPO Companies in the Servicing space less impacted
a variable cost structure
– BPO Companies with services across Origination, Servicing
– Areas to focus are Managed Services, Default Management
& Default less impacted
& Regulatory Compliance
– Diversified BPO Companies least impacted
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Thank You