TJ Mitchell

A combined early awareness and delinquency management program is not two services. It is one coherent response to a problem that starts the moment a student leaves campus.Financial aid professionals…

Organizations launching a new lending program, onboarding a newly acquired portfolio, implementing a new product, or transitioning servicing providers typically begin with a target go-live date in mind. Milestones are…

In structured finance, timely reporting is essential. Investors, issuers, warehouse lenders, and other transaction participants rely on monthly reports, financial statements, and compliance certificates to evaluate portfolio health and make…

Warehouse facilities are often viewed primarily as funding mechanisms, but their long-term success depends on far more than access to capital. Behind every high-performing facility is a disciplined administration framework…

A practical guide for loan originators evaluating third-party servicing and asset management partnersFor a loan originator, the decision to outsource loan servicing and asset management is rarely just operational. It…

In a securitization, the ABS payment waterfall is the rulebook that governs who gets paid, in what order, and how much, every single distribution period. It is one of the…

To keep pace with the rapidly evolving consumer credit industry, servicers are constantly challenged to develop more innovative loan servicing solutions and, as a result, are transforming how lenders and…

Risk is Building Faster Than the Tools Colleges Use to Measure It. This year’s graduates signed Master Promissory Notes for a labor market that was still hiring. That labor market…