RRMS Advisors is a specialty boutique firm that partners with clients to provide strategic advisory and asset recovery services related to investments in residential and commercial mortgage-backed instruments.  As a strategic advisor, RRMS collaborates with clients to stratify available data related to their mortgage holdings.  By reviewing impairment levels (i.e., CDRs, product mix, CLTVs, repurchase activity to date, counterparties, etc.), RRMS is able to facilitate development of strategies to meet client objectives.

RRMS Advisors is well versed and experienced in working with clients to address the wide array of internal control, compliance and regulatory requirements and concerns impacting the financial services industry today.  Whether it is assessing risks, establishing compliance monitoring protocols or providing advisory services relating to implementation of recommendations raised by internal audit or external regulators, RRMS provides clients with value added set of solutions and related execution techniques to strengthen and protect the organization.

Regardless of the task at hand, RRMS’ team of seasoned industry experts will partner with its clients to promote an expedient path to goal attainment.

Past experience and industry knowledge allows RRMS to harness a wide variety of industry best practices, in combination with a variety of innovative and targeted approaches, to maximize cash flows, to minimize losses and to enhance asset performance.  The three primary areas of RRMS’ focus include Mortgage Finance, Risk Management & Internal Control, and Staffing Augmentation and Placement Services.  Specific details are outlined below:

MORTGAGE FINANCE:
	Servicing Surveillance and Portfolio Loss Mitigation Strategies
	Analyze portfolio data to perform and identify scope of forensic work based upon the clients’ objectives
	Perform diagnostic analytics on servicer operations in order to maximize asset performance and reduce severities
	Utilize proprietary processes to develop non-contestable documentation to support loss mitigation strategies
	Pursue settlements that are realistic, expedient and cost effective and are based on agreed upon objectives
	Assessment and Mitigation of Recourse Exposure
	Establish infrastructure to assess recourse and related exposures
	Approaches to settling recourse exposures are iterative, and will encompass use of specific strategies which will be phased and transitioned as necessary, and are not mutually exclusive
	Develop strategies based upon management’s objectives to mitigate potential civil and criminal liabilities
	Implement agreed upon strategies to meet non-adversarial resolutions
	Perform detailed forensic reviews, as necessary, and provided concise breach summaries to substantiate loan put-back claims
	Portfolio Valuation and Advisory Services
	Analyze portfolio composition and perform trend analysis to identify areas of risk
	Forecast future pool performance based on current loan level data
	Provide current and up-to-date values for use in determining accuracy of market pricing
	Advise clients on strategies to maximize returns and minimize risks by identifying differences between current bond prices and underlying cash flow values

RISK MANAGEMENT & INTERNAL CONTROL:
Risk Assessment
	Ability to work with clients to fully dimension and understand risk, create risk hierarchies to facilitate reporting and establish heat maps that tightly tie into an enterprise-wide risk assessment focused on identifying compliance with key corporate policies and external regulations
	Experience developing an operational risk management framework, with key performance indicators and test plans designed to monitor and improve performance
	Proven experience in working with clients to develop key methodologies and logic associated with assessing critical business risks
	Experience in designing control processes and self-testing procedures based on risk ratings and associated exposures
Compliance Monitoring
	Track record in monitoring compliance with internal policies, external laws and regulations
	Establishing key metrics, trigger points and protocols for aberration investigation
	Providing advisory services to senior management relating to identification and implementation of best practices relating to compliance issues
	Implementation of a comprehensive program to ensure ongoing adherence to regulatory requirements
Audit Advisory
	Establishing programs and processes to review and validate vendor performance of outsourcing providers
	Collaboration with senior management to design effective tracking, monitoring and remediation strategies and approaches to address audit findings
	Development of written policies and procedures, along with the design of training materials to address audit issues

	Staffing augmentation and temporary staffing services
	Expert witness testimony and related discovery work
	Loan Servicing, loss mitigation, and default management
	Loan modifications
	Credit analysis
	Forensic file reviews and loan put-backs
	Underwriting, due diligence and quality control
	Loan workouts
	Customer service
	Risk assessments

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No matter how big or small the job, RRMS Advisors can work collaboratively with clients to satisfy a variety of needs beyond its core competencies.

Please feel free to contact us regarding any specific needs you may have in the commercial and residential mortgage area that are not listed above.