Good senior and middle management experience with overall low turnover; A well-designed training program that has experienced some enhancements; Multiple levels of internal controls, including quality control (QC) reviews, internal audit examinations, and a Statement on Standards for Attestation Engagements No. 16 (SSAE 16) examination; Policies and procedures (P&Ps) that are well-written and in a logical format; A sound technology environment, which has improved through website and telephony enhancements; Comprehensive monitoring of call center staff; Competitive servicing metrics; Relatively new operation internal audit examinations; and No onsite reviews of the attorney network. Standard&Poor's Ratings Services' rankings on LoanCare LLC (LoanCare) as a residential mortgage primary (prime) and residential mortgage special servicer are ABOVE AVERAGE. On March 17, 2016,
