Dr. Andy Schell's CFO Services
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Dr. Schell & MBS help mortgage companies increase their profits.
> Enhancing profitability is achieved by connecting the dots from application to revenue to loan sale & servicing,
all of which require a complex series of detectors that monitor performance.
> Mortgage accounting is complex—especially when GAAP unintentionally distorts how revenue and profitability are presented. MBS and Dr. Schell collaborate with both independent mortgage banks and depository institutions to decipher difficult accounting challenges and train your CPA team to manage them effectively.
We'll even become your accounting team if needed.
> From Cash Flow, Warehouse Utilization, branch-level profitability, and hedging performance review, Dr. Schell & MBS help mortgage company
CEOs understand the full impact of revenue recognition rules and support the creation of meaningful financial statements that reflect the reality of your business.
Key Elements of CFO Services
Warehouse Line Efficiency
Dr. Schell will review all warehouse line agreements to identify the highest return from the lowest total cost of each line and recommend the most advantageous funding strategy.
KPI Implementation
Dr. Schell will review financial statement results and install key performance indicators (KPI) to help enhance the performance of any mortgage company.
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Technology & Data Validation
Is your technology adding value to your organization? Dr. Schell and the MBS team will confirm that your data flow and system integration are working for you and are deployed using best-of-class technological designs.
Hedge Accounting Training
Customized instruction to help CPAs and internal accounting teams apply hedge accounting methods effectively and defensibly.​​
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MSR Valuation Testing
Accurate analysis and reporting of mortgage servicing rights, including risk of impairment and retention strategy impact.​​
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IRLC & Derivative Accounting
Guidance on unrealized gains, MTM of TBA short positions, and fair-value treatment to align with FASB and SEC expectations.
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Cash Flow Analysis
Dr. Schell will review cash activity and create a cash flow forecast to help manage cash utilization and confirm that maximum ROI from all cash disbursements is achieved.
Strategic Alignment
Sales and Operations must be aligned to achieve efficiency. Dr. Schell will lead a strategic planning session with your leadership team to find common ground, purpose, and vision.
Serving Released of Retained
Is holding MSR the right thing for your company? Dr. Schell will analyze your servicing structure to identify your servicing IRR and help decide the best path into or expanding or shrinking servicing.
Financial & Regulatory Reporting
Do your financial reports make sense? MBS supports SEC reporting, Call Reports, and understanding how advanced accounting impacts investor and regulator disclosures.
GAAP Compliance & Revenue Stability
Training and advice on revenue timing issues, such as recognizing income on locked loans that may not close and omitting fees at funding.
CFO Boot Camp
Dr. Schell teaches CPAs and accountants the essential tools to implement the CFO duties successfully.