MReport September 2015 - Cool Under Pressure

TheMReport — News and strategies for the evolving mortgage marketplace.

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38 | Th e M Rep o RT origination guide Special Advertorial Section Corporate profile RML Advisors is a privately held mortgage banking risk consultancy advising financial services clients, particularly banking/mortgage industry clients, on controlling enterprise risks and third party service provider management. The firm includes a team of highly experienced, mortgage bankers with CMB designations and proven accomplishments building and managing successful companies across the mortgage banking spectrum. Company History Founded by Regina M. Lowrie, CMB, RML Advisors, (a d/b/a of RML Investments established in 1994) serves the financial services industry as an advisor providing a broad range of services and assisting clients in a volatile marketplace with many regulatory challenges. The RML team advises clients on a variety of matters including: • Third-party vendor governance • Enterprise risk management • Banking regulations and audits • Strategic planning • Due diligence • Fair lending • Public policy • Mortgage banking sales and operations management (OCC and FDIC regulated banks and independent mortgage bankers) Business lines, serviCes, and produCts Enterprise Risk Management RML Advisors has worked with numerous clients managing the wide range of risks confronting the mortgage banking industry today. RML carefully listens to each client to understand their business model, strategy, and unique company attributes and challenges. Based on client feedback, RML helps to identify, prioritize, and manage risk with a "roll-up" your sleeves approach where experienced senior consultants work with clients to deliver effective solutions. RML's risk management methodology has a long term focus on assuring client continuing success and profitability. RML Advisors provides clients with the knowledge, guidance, and tools to cost effectively manage and monitor mortgage banking risks, including: • Compliance risk • Operational and secondary marketing risk • Third-party service provider risk • Credit and underwriting risk • Strategic risk • Reputational risk The RML Vendor Management Toolkit SM Banks and lenders are required to oversee service providers (vendors) in a manner that ensures safety and soundness as well as compliance with federal consumer financial law. RML Advisors has created the Vendor Management Toolkit SM , an end-to-end, easy to use, and affordable solution that includes absolutely everything a bank or lender needs to implement and conduct an ongoing compliant vendor management program. The RML Solution to Support Vendors For vendors, RML provides the RML Service Provider Review and Assessment, creating a report that provides an independent third party review of the vendor's business touching all the regulatory points of concern as well as the business/operational risks that clients need to monitor. These innovative solutions simplify the vendor management process for the bank/lender and the vendor, achieving compliance, while creating substantial cost savings for both parties. Competitive advantage Simply stated, RML Advisors' experience sets them apart from the competition. The RML Advisors team has nearly 100 years' experience in the financial services industry. The company's leadership experience includes senior level positions in sales, operations, acquisitions and investments, enterprise risk management, regulatory oversight, and policies and procedures as well as experience in running profitable mortgage banking operations. As a result, they have a unique perspective that enables them to provide clients with unparalleled counsel and insight. added value to Clients RML Advisors work with each client to understand their specific business model and needs. RML Advisors has developed proprietary tools that enable clients, banks, and lenders as well as vendors, to meet regulatory requirements while saving time and money. Keys to suCCess RML Advisors has unique access to industry leadership, regulatory agencies, and mortgage bankers across the country. Team members are recognized industry experts contributing to numerous trade publications. They can provide clients a perspective from all aspects of mortgage banking—the regulator, the banker/lender, the service provider, and shareholder. Client testimonial "RML Advisors enabled MCT, a Tier 1 vendor, to implement a compliant vendor platform to meet the regulatory needs of our various clients and not get bogged down in each client's unique vendor approval process. Ultimately, RML has saved us significant time and money and makes it easier for clients to do business with us." —Curtis Richins, President of MCT Trading Inc. RML Advisors key peRsonneL Regina Lowrie, CMB President and Founder Brideen Gallagher Business Development Director Strategic & Enterprise Risk Services Anthony Schweiger, CMB Director of Operations contAct infoRMAtion 155 Inverness Drive Blue Bell, PA 19422 email: phone: 610.960.3748 Website:

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