An experienced group of senior and middle managers along with good turnover statistics; A sound training regimen; A control environment with multiple levels of oversight; Quantitative metrics that are generally competitive with the company's peer group; A new team implemented to handle regulatory and significant complaints; A satisfactory vendor management oversight process; A well-designed technology environment that recently underwent a servicing system conversion; Sound default management practices; Reconveyance metrics that were not competitive with the company's peers; A customer service and collections abandonment rate that was higher than its peer group; and Mainly satisfactory quality control and audit reports, though there were some noteworthy findings in certain ones, although these have since been resolved or are in the process of
