Zenith has a robust process for the preparation and approval of its annual business plan, and has met its planned growth in recent years. The company has continued to strengthen its senior management team since our 2013 report. Zenith has a stable master servicing team, which is ringfenced with regard to its duties. Centralized services including human resources, IT, and internal control functions support it. The company has enhanced its IT capabilities since our 2013 report. Zenith's portfolio boarding process was tested in 2013 after it boarded a number of new master servicing portfolios. It added 11 master servicing mandates in 2013. Zenith's processes for assessing and delivering training to its employees are less formal than for many servicing companies,
