Mortgage & Consumer Lending Services

帮助贷款人和服务人员将挑战转化为机遇。

次级抵押贷款已经扰乱了传统自营、直接和间接贷款市场。消费者将信用卡纳入其债务组合，带来了从刷卡和利息收入中获利的机会，但同时也可能会让机构充斥着申请、信用额度提高、纠纷和按存储容量使用计费、呼叫量等等问题。数字优先的个人借贷使银行和非银行机构能够为客户提供即时的可负担信贷。抵押贷款和消费者借贷领域的转型步伐为运营、技术、风险和合规职能带来了机遇和挑战。成功的贷款机构会考虑人员、流程和技术环节，以支持合规的贷款发放和服务活动。

甫瀚咨询通过风险洞察、监管合规、良好控制等方式，提供领先技术支持，帮助贷款人和服务机构卓有成效地发展。

众所周知，未来风险具有不确定性，因此，C级高管和董事会对未来新出现的问题做出预测就变得尤为重要。企业应着重建立以信任为基础的弹性文化，从而能够在瞬息万变的环境下应对不断变化的优先事项。

甫瀚咨询凭借能够为金融机构提供切实可行的解决方案而广受赞誉，我们的解决方案体现了企业在成功应对挫折时所需的五大特征：人性化、灵活性、智能化、创新性和模块化。我们所组建的一体化团队由具备专业技能和流程经验的人员组成，帮助企业高管开发务实的、可转型的、且具有风险洞察的解决方案，以令您可以游刃有余地应对新挑战，抓住符合核心价值的结构转型机遇，确保企业未来的持续发展。

甫瀚咨询与母公司——全球首家大型专业人才解决方案公司罗致恒富（Robert Half）合作，将我们深厚的专业咨询知识与Robert Half高技能、经验丰富的专业人才相结合，采用独特、灵活的交付模式解决您企业的业务难题。

Our Mortgage & Consumer Lending consulting advisors provide solutions tailored to your organization's unique needs in the following areas:

Risk Management

Proactive leaders know they must adopt more innovative risk management practices to succeed. We help you leverage emerging technologies, harness data and maintain a strong control environment so you stay on the leading edge of risk management while improving your bottom line.

Regulatory Compliance

Our subject matter advisors use their understanding of global and domestic regulatory landscapes to help you optimize resources and design compliance risk management program that are efficient, innovative, and, tech-enabled increasing the effectiveness and decreasing the cost of compliance.

Technology

Whether you are looking to automate, modernize, or embark on an end-to-end transformation journey, our technology consulting solutions can help. Our services range from strategy, design, and development through implementation, risk management, and managed services.

Internal Audit

Through our world-class Internal Audit and Sarbanes-Oxley practices, we ensure your IA activity provides the highest value to your organization, whether you need to employ agile principles and AI to transform your IA function or co-source or fully outsource your Internal Audit and Controls functions.

Operational Excellence

Our advisors work closely with your key stakeholders to integrate industry best practices and tailor business solutions to help you reduce operating costs, increase productivity and service, build resiliency and reduce the capital required to support business goals and objectives.

Digital Transformation

Evolving needs and customer expectations challenge even the most agile organizations. We help you think differently to redefine customer experience, explore new operating models, create enhanced digital channels, and build skills that instill a culture of innovation and agility.

Data and Analytics

Using data to identify untapped opportunities is a powerful competitive advantage. Our experts support your data needs from data strategy and governance through the development, design and implementation of advanced analytics and digitalization using artificial intelligence and machine learning.

Managed Solutions

We provide a unique and flexible delivery model for consulting, implementation and operations services to help you address short-term skill gaps, deliver project results, and transform your organization by creating the right team that can scale up or down quickly and cost effectively to fit your needs.