Scope

Cognitive Options Group LLC

We are compliance, underwriting and operations professional industry leaders.

Utilizing proprietary software tools we help financial institutions determine if loans have been underwritten to risk tolerances, to guideline and program requirements (prime, subprime, VA and FHA), and compliance with GSE, federal, and state regulations. We provide companies with operational, transactional, and outsourcing services.

Cognitive Options Group’s consultants have worked primarily within the Banking, Mortgage Banking, Commercial Lending, Consumer Lending (including Reverse Mortgage), GSEs / Regulatory Agencies, Consumer Home Equity Lending Industry, and have participated in every aspect of the business. In addition, our consultants hold a wide array of advanced academic and professional qualifications in finance, accounting, marketing, technology, and management. They have been involved with start-up, established, and liquidating companies, and have worked in operations in the United States and Canada.

Operational Advisory Services

  • Regulatory Compliance Reviews
  • Fair Lending Review
  • CFPB Examination Review
  • Quality Control Reviews
  • Best Practices from Originations to Servicing Implementation
  • Business Plan Preparation
  • Policies and Procedures Development
  • Benchmarking Assessment
  • Process Re-engineering
  • Compliance Training

Learn more about Operational Advisory Services

Due Diligence Review

Loan Review and Due Diligence Underwriting

      • Forensic Audit Services
      • Customized Credit Review
      • Pre- and Post-Close Quality Reviews

Learn more about Due Diligence Review

Repurchase Review

Repurchase Review and Repurchase Analysis

  • Loan Document Analysis
  • Compliance and Legal Review
  • Stratifying the request into primary, secondary and tertiary issues

Learn more about Repurchase Review

Transactional Services

Dispute Resolution

Lending Practice Disputes

  • Servicing Practices Disputes
  • Servicing Costs Disputes
  • Repurchase Disputes
  • Structured Credit Product Disputes
  • Regulatory Compliance Disputes
  • Rating Agency and Fannie Mae, Freddie Mac, HUD and VA Seller and Servicer Approvals

Learn more about  Transactional Services