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In-plant training available for minimum of 20 people.

UNDERSTANDING MORTGAGE BANKING BUSINESS

Day 1: Session A

Mortgage underwriting techniques

  • Origination of mortgage: - Origination and processing, Affordability analysis, Prequalification, customized loan plans

  • Mortgage lending operations:- International best practices

  • Servicing of mortgage loans: funding strategies, Delinquencies, Managing defaults, Foreclosures

  • Risk management in mortgage lending

  • Mortgage fundamentals: Collateral, Preapproval, Down payments, Lenders, Fixed Vs Adjustable, Loan term, Tax deductions, Secondary mortgages etc.

Session B

Managing Risk in Mortgage Origination

  • Measuring market and credit risk

  • Controlling risk in mortgage origination

  • Performance measurement analysis

  • Compliance and regulatory issues

  • Controlling operational risk

Day 2: Session A

Alternative Mortgage Instruments

  • How interest rates affect the housing market

  • Understanding the mortgage payment structure

  • Adjustable rate mortgages

  • Reverse mortgage

  • Growing equity mortgage

  • Rollover Loans

  • Graduated Payment Mortgages

  • Shared Appreciation Mortgages

  • Interest only mortgages

Session B:

Introduction to Securitization

  • Securitization

  • Why Securitize?

  • Different securitization structures

  • The role of securitization in mortgage lending

  • Securitization vs. Secondary market institutions

  • Banks & Bonds