Ocwen Loan Servicing LLC (OLS) has demonstrated expertise in default and asset management. The company promotes various operational efficiencies by establishing operational initiatives aimed at growth and productivity. It is an experienced small balance commercial mortgage and small balance special servicer for a variety of investors. Company tenure for junior management is light. As OLS continues to expand its commercial loan portfolios, it could continue to face tenure challenges in hiring and training new staff. Large balance special servicing responsibilities do not include a full range of loan resolution and recovery activity. Employee turnover, lack of experience and tenure, and more extensive training than that required of U.S. servicing staff are concerns for offshore operations. Standard&Poor's Ratings Services'