Helping Community Banks Thrive in a Slow Mortgage Market SMART Consulting.

Helping Community Banks

Thrive in a Slow

Mortgage Market

SMART Consulting

Introducing our TEAM!

Craig Goetz, CEO

Brett Toyne, President

Del Peterson, CFO

An Industry In Transition

Sub-Prime Lending Causing large, national mortgage companies to fail

Bank of America invests $2 billion in Countrywide

Higher Rates Eliminated the refinance market and reduced fee income

Slowed new construction

Overall Economy Stock market volatility

Home-owner and home-buyer hesitation

The Perfect Time to Plan!

Community banks are typically “clean”

They did not get involved in sub-prime

Community bankers are neighbors

They listen

They are trusted

And they are convenient

August 22…

Mortgages: Smaller banks smell blood!

Community bankers realize…

They may have a competitive advantage

Not involved in sub-prime lending; no bad press

They are unique and community-oriented

They can reclaim a lost market

Making people aware they do mortgage lending

Generate quality assets and new fee income

Use mortgage as the core of a banking relationship

Are you ready to act?Do you have….

Trained, qualified Mortgage personnel

Confidence in your products and programs

Effective marketing materials

A plan of action

SMART can help you seize this opportunity!

We can assist you to…

Structure an efficient mortgage operation

Have access to all of the best programs

Recruit, staff and/or train for effectiveness

Position your bank for greater profitability

How We Support Community Banks

Sales & Marketing

Mortgage Services

Acquisitions

Recruiting

Training

We will focus on helping you build and market a profitable and dynamic mortgage operation!

Understanding Your Concerns

85% drop in mortgage income

Reduced asset quality

Lower fee income

Narrowing margins

New competition (Wal-Mart Bank)

Need for better sales skills

Dated products & sales material

ass

ess m

ent

Elements of our mortgage assessment & analysis:

Lender Sourcing

Product/program Selection

Operations

IT/Software Consulting

Title Services

Lender Sourcing

We work with only highly-respected Lending sources

Responsive Investors who understand and respect community bankers needs

Highly competitive fee structures

Operations

We focus on efficiency- minimizing time demands on bank staff

We focus on creating a sustainable, profitable Mortgage Model

We ensure compliance

IT and Software

We recommend only proven systems with an eye for minimizing costs

We recommend only proven systems that maximize simplicity and customer responsiveness

Title Services

Providing Services to assist all of your Bank and Mortgage Title needs

Special emphasis on:

Responsiveness

Reliability

Accuracy

Competitive Fees

The next phase:Staffing & Training

Recruiting

Sales & Management training

Mortgage training:

Sales and operations

Taking Quality Loan applications

Loan Processing

Management and P & L training

Products & Services

Enhanced consumer offers

Restructured Mortgage operations & services

Stronger Mortgage sales & Bank cross-selling

ren

ewal

Ads

Web site enhancements

Ongoing Assistance

Mortgage:

Recruiting Sales & Management personnelLender Product & program selectionMarketingTitle ServicesCounsel on profitability & productivity

Increased profitability through…The right staffing levels - outsourcingRecruiting the best personnelImproved operations and efficiency

Budgeting & strategic planning

Greater market share through… Branding Increasing Sales effectivenessBetter marketing Higher customer retention

Results

Signage

direct mail

Materials to launch mortgage services

Individualized Brochures for Lending Officers

Our Pledge

Easier management of your mortgage operations

Minimize costs/Maximize Revenue

Greater resilience in a down market

Faster response to a growing market

Stronger Growth & Competitive position

ou

r p

led

ge