Clayton Competitive Analysis - February 2007-Cs

CLAYTON Competitive Analysis Profile
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CONTENTS
CLAYTON COMPETITIVE ANALYSIS PROFILE CLAYTONS MISSION / CULTURE MARKET / PRODUCT DRIVEN IS LYDIAN A COMPETITOR? STRENGTHS / WEAKNESSES DISTRIBUTION CHANNELS PRODUCT POSITIONING CUSTOMER SERVICE MARKET AND PRODUCT DESCRIPTIONS PRODUCING PRODUCTS OTHER #4 ! 1" 1# 1 3 4 5 6 6
CLAYTON COMPETITI(E ANALYSIS PROFILE
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CLAYTON COMPETITIVE ANALYSIS PROFILE

T*e p)rpose of t*is .o+)ment is to provi.e an overvie- of a 1ey +ompetitor 2 Clayton% 3*ttp455---%+layton%+om6 Clayton is an information an. analyti+s +ompany servin, len.ers& loan 7)yers 8 7on. iss)ers& servi+ers an. fi9e. in+ome investors in mort,a,e:relate. loans an. ot*er .e7t instr)ments% 'it* a f)ll s)ite of o)tso)r+e. servi+es& information:7ase. analyti+s& an. spe+ialty +ons)ltin, servi+es& Clayton *elps its +lients en*an+e li;)i.ity& ,ro- reven)es& re.)+e +osts an. mana,e ris1% The following topics are addressed within this document: Claytons Mission / Culture Market / Product Driven s !ydian a Competitor" #trengths / $eaknesses Distri%ution Channels Product Positioning Customer #ervice Market and Product Descriptions Producing Products Pricing& Discounts& Payment Terms Promo Materials nvest ndustry 'ews Clayton (ottom !ine 'ewsletter !ocation )aluation Measures
** 3/9/2014, Headstrong, Inc. All rights reserved. CO !I"# $IA% A " &'O&'I#$A'( I !O')A$IO . *se or disclos+re o, the data contained in this doc+-ent is s+./ect to the 0ritten 1er-ission o, Headstrong, Inc. **
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CLAYTONS MISSION / CULTURE

A COMMITMENT TO OUR CLIENTS SUCCESS *s an esta%lished provider of analytics& consulting& and outsourcing services to the primary& capital& and investor markets& Clayton understands what it takes to create + and maintain + a leadership position, That is why we work hard& every day& to go %eyond our clients e-pectations& to help them grow revenues& manage costs& and mitigate risk, $e are known for our a%ility to always come through for our clients + to meet the most challenging deadlines with accuracy& e-pertise& and an entrepreneurial spirit that drives effective results, This spirit is personified in our greatest asset + our employees + and in the core values of our %usiness: focus on clients& deliver .uality& create value& e-emplify leadership& and always lead with an enterprising spirit of entrepreneurship and teamwork, /ur growth and success is in direct correlation to living %y these values in everything we do& allowing us to %uild a strong& satisfied roster of premier clients and an unparalleled level of recruiting and retaining the %est people in the industry, $e take our role as a trusted advisor seriously and work hard& each day& to earn that trust, t is also these values that we take into the communities in which we work and live, Through monthly contri%utions to various organi0ations& Clayton promotes leadership in philanthropy %y supporting organi0ations that are a%le to %etter our lives and communities,
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MARKET / PRODUCT DRIVEN

Clayton is generally a market driven company, *n e-ception would %e the creation of Clayton 1oldings 2the re3%randed ac.uisition of The Murrayhill Company4 which this segment would %e in competition with !ydian,
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IS LYDIAN A COMPETITOR?
Clayton in its entirety certainly has similarities with !ydian, !ydian is a competitor in the areas of Due Diligence& Conduit and maging services, /verall& Clayton is a larger company offering more services than !ydian, Claytons Due Diligence arena consists of 56357 different platforms8 where we have one platform, Claytons Due Diligence system is fairly ro%ust 2e,g, reviewing non3performing assets& operational reviews& etc,4 1owever& in the Conduit Channel + !ydian is the market leader,
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STRENGTHS / WEAKNESSES
STRENGTHS: Clayton has four primary strengths: 5, *ge and e-perience in the marketplace 9, Technology is pro%a%ly Claytons num%er two strength, *nything that needs to %e done in their system can %e made in a very %rief period of time, Clayton has great fle-i%ility in their due diligence system, :, ;esource a%ility 2not necessarily the .uality4, There are few deals that they wouldnt %e a%le to accommodate, <, *%ility to retain the %ig clients and %ig money investors WEAKNESSES: Clayton has two primary weaknesses: 5, Customer #ervice + ;ecently in the marketplace Claytons customer service has suffered, Despite providing poor customer service they have %een a%le to maintain their client %ase %ecause of their e-tended history with those clients, 2'ote: !ydian e-cels in this area due to our investment in technology that has increased our staffs capa%ilities and ultimately our level of customer service,4 9, =uality + Market intelligence tells us that Claytons employment pool lacks the e-perience and industry knowledge to successfully perform their re.uired tasks,
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DISTRIBUTION CHANNELS
Distri%ution Channels include: Due Diligence& Conduit >ulfillment& and #taffing #ervices,
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PRODUCT POSITIONING
Clayton has done a super% ?o% with product positioning when they had originated in %usiness, They were a leader in implementing new platforms and products, They were the first due diligence providers, This progressed to worksheets in the field and then it %ecame more automated, They were the first to develop a proprietary system + C!*#, This was the first due diligence system in the market, Then you take into account + (P/s 2now e-ited this %usiness4 due to issues in the mid @6s with values, Cla2ton Holdings originated from the ac.uisition of $he )+rra2hill Co-1an2, Clayton recogni0ed that Murrayhill was going to %e a %ig success, t made sense for Clayton to ac.uire them and then %egin improving upon what they were doing, Clayton %ecame a leader in offering s1eciali3ed servicing, The development of the High Cost Anal23er + the first test of pu%lic compliance that hit the market, Clayton was successful in ?ust selling this product + without re.uiring that the client use them for due diligence services, They would approach originators and e-plain that they could eliminate all of their risk of originating a high cost loan, /nce all loan fees were set they can %e run through the analy0er applying Claytons state& local and federal regulations analy0er, They had charged a%out A< to A7 a file in the %eginning, Clayton has %een e-tremely proficient %eing in the right place at the right time when the market needed a new product,
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CUSTOMER SERVICE
nvestors are not going to use the same vendor for every deal, 1owever& they will re.uire that all of their vendors do things the same way, Making sure that the same level of data is captured from vendor to vendor, They will dictate what reports should look like& content& run times& etc, These reports usually re.uire a lot of changes that !ydian must make, * lot of the reports that e-ist in the industry have %een created %y Clayton, $e %asically charge the same prices and sometimes even hire the same contractors, #taff will %e working for !ydian and then for (ohan with the following assignment, The true way to distinguish yourself in the marketplace is to offer superior customer service, Clayton has tried to paint this picture, $hen talking to Claytons customers + they view the service as unsatisfactory, Clayton investors have to call 93: weeks after the deal is wrapped up to get reports that should have %een delivered in 9<3:B hours after the assignment had concluded, Customers will generally put up with this poor level of service %ecause Clayton will have the staffing needs re.uired to get a ?o% done .uickly, This is pro%a%ly the primary reason why they continue to get %usiness despite negative customer service, $his is a 1ri-e o11ort+nit2 ,or %2dian to get o+r ,oot in the door and gain additional gro+nd in the s1ace. Most clients have a timeline of one week from the time of settlement to final reports are generated 2whatever the investor re.uires4, !ydians reports are generally always provided no later than C days, <D3C9 hours is the standard for !ydian, /ffering superior customer service is how !ydian will %e a%le to move ahead in this market, /utperforming companies like Clayton from a .uality and service perspective,
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MARKET AND PRODUCT DESCRIPTIONS

Clayton Hol.in,s& In+% was founded in 9667 through the union of Clayton #ervices& nc,& a leading provider of integrated loan and portfolio analysis& operations support and consulting services to the primary& capital and investor markets& and The Murrayhill Company& a leader of the securities surveillance and credit risk management %usiness, Clayton has since added a num%er of companies to its corporate structure, n each case& Clayton has e-panded its offerings to provide our clients greater capa%ilities and deeper services in the areas of *nalytics& Consulting and /utsourcing, HOW CLAYTON IS ORGANIZED? CLAYTON SERVICES, INC. Clayton #ervices& nc, was founded in 5@@6 and pioneered the concept of com%ining advanced technologies with the %est professionals in the industry to offer market3 leading due diligence services, Claytons !oan *nalysis #ystem 2or EC!*#F4 set a high standard in loan purchase and portfolio analysis, /ver the years& Clayton #ervices e-panded to include compliance software& special servicing& conduit support services& and a range of other offerings all designed and delivered to help our clients succeed, The products and services Clayton #ervices provides include: CLAYTON FIXED INCOME SERVICES, INC. Clayton >i-ed ncome #ervices& formerly The Murrayhill Company& created independent& third3party credit risk management to improve the performance of fi-ed3 income securities, /ur responsi%ility is to monitor the fiduciaries in structured finance transactions& identify issues& and resolve pro%lems, $e partner with a %road range of players in the structured finance industry& including servicers& trustees& insurers& %ond guarantors& dealers& and investors, Ma?or private3la%el dealers have retained Clayton Due Diligence *nalytics Conduit #upport #ervices /utsourcing Compliance Products G #ervices #pecial #ervicing Compliance G /perational ;eviews and Certification (usiness Process G #olutions Consulting mage3ena%led processes Professional #taffing #ervices
to monitor structured finance assets, $e provide credit risk management on hundreds of transactions, Clayton is typically included in securiti0ation trust agreements as a credit risk manager for the life of the securities that we monitor, The products and services Clayton >i-ed ncome #ervices provides include: Credit ;isk Management *nalytics ;eg, *( #tatic Pool *nalysis ndependent Pricing #ervices ;eg, *( *ttestation ;eadiness and Preparation ;emittance *nalytics and ;eporting
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PRODUCING PRODUCTS
The following product information is o%tained from Claytons Products area of their we%site, *lthough it is difficult to follow the flow of product information + the we%site generally depicts all services availa%le to: !enders& !oan (uyers/Capital Markets& >i-ed ncome nvestors and #ervicers, CLAYTON ANALYTICS nformation drives the de%t markets and is at the heart of everything we do, Clayton captures hundreds of data points on each loan it analy0es as well as data regarding transactions& security performance& transaction party performance and a myriad of other factors, n 9667 alone& Clayton analy0ed over A5C7 %illion of loans and provided surveillance on securities collaterali0ed %y over A:66 %illion of loans 3 conse.uently& Clayton has access to a wealth of data that ena%les it to provide valua%le insight for its clients, Clayton *nalytics %rings value to this data 3 helping clients effectively price& sell and manage risk, *nalytics a%out performance and operations help lenders& %uyers / issuers& and servicers improve operations and create competitive advantage,
CLAYTON LENDER SOLUTIONS Clayton !ender #olutions& formerly Mortgage ;esource 'etwork& provides a full suite of solutions to help /riginators increase throughput& improve the accuracy of data and create greater velocity to increase profita%ility potential without increasing risk, >rom preparing packages for underwriting& underwriting and slotting products through closing& funding and investor delivery& ClaytonHs !ender #olutions help /riginators optimi0e their %usiness, The products and services Clayton #ervices provides include: =uality *ssurance: =C *udits and Post Close ;eview !ender Production #upport /utsourcing maging3ena%led processes
SERVICES FOR LENDERS Clayton provides a full suite of solutions to help originators increase throughput& compress timelines and enhance data accuracy while also ena%ling %roker to %anker& warehouse fulfillment and paperless processing initiatives,
Claytons !ender services provide originators with all the tools needed to improve their operations while successfully converting from a fi-ed cost model to a varia%le cost model& including: !oan processing support services Inderwriting Product slotting Closing >unding review and control nvestor and #ervicer delivery
$hether originators wish to outsource all or part of their processes to Clayton& theres a service designed to meet your specific needs and %usiness re.uirements, Complian+e Pro.)+ts an. Servi+es Clayton has long %een a leader in regulatory compliance analysis for loan %uyers / capital markets, /ne reason is C!*# 3 the continuously updated Clayton !oan *nalysis #ystem, The system uses e-isting loan data 2pre3 and post3closing4 to perform compliance reviews %ased on the following applica%le triggers for 1/JP*& #tate and local high3cost tests: *P; Threshold Points and >ees Threshold /ccupancy #tatus Credit ;eport Date 2!ender of ;ecord4 !oan Purpose
The C!*# Compliance #oftware #uite includes: Hi,*:Cost Fo+)s 3HCF6: * cost3effective and highly efficient way to filter all loans for potential high3cost threshold violations, Hi,*:Cost AnalyDer 3HCA6 : * detailed and comprehensive test for compliance with all high3cost regulations across all ?urisdictions, The 1C* system works %y compiling information related to the %orrower& loan purpose& note terms& dating& and loan charges that may %e applied to the finance charge& 1/JP* DK& and #tate and local high3cost tests, Points and fees charged to the %orrower can %e captured from the #ettlement #tatement and entered into 1C* for the purpose of calculating the >inance Charges and 1/JP* #tate and local high3cost limits, 1C* then performs the necessary calculations through the application of individual fees for the separate sums of >inance Charge& 1/JP* DK& and #tate and local high3cost tests, The 1C* also includes other regulatory compliance checks such as:
Truth3in3!ending o o >inance charges and *P; Inder//ver Disclosures *P; ;e3calculation
;ight of ;escission o o Date )alidation nternal Calendar for #undays and >ederal 1olidays
#tate #pecific Prepay o o Prohi%ited Practices Disclosure )alidation
Te-as J.uity o o :K Test #tate3specific Disclosure )alidation
Payment #tream ;ecalculation
The C!*# Compliance #oftware #uite 3 consistent& accurate compliance testing from an industry leader EC A).its an. Post Close Revie-s Claytons =uality *ssurance services shorten warehouse lines and help originators sell loans into the secondary market faster, >rom loan processing support through close& our =C *udits and Post3Close ;eviews help ensure that loans are servicea%le and salea%le %y: ;educing Costs mproving Cycle Times Jna%ling Continuous mprovement mproving =uality of !oan Data upfront
These services can also %e provided on an outsourced %asis, SERVICES FOR LOAN BUYERS/CAPITAL MARKETS >or over 57 years& Clayton has set high standards for outsourcing& analytics& and consulting services to the capital markets, Clayton supports many of the industrys top loan aggregators& whole loan %uyers and %ond issuers, (ecause of its e-pertise& Clayton is well positioned help clients identify new opportunities& reduce risk& ma-imi0e time G costs& and provide insight into critical areas such as regulatory compliance& loan performance& and industry trends,
This e-perience& com%ined with a wide range of services that span the life of the loan& innovative technologies and over 5&666 highly e-perienced independent loan specialists& makes Clayton a preferred provider to the capital markets, Cre.it Ris1 Mana,ement Analyti+s Clayton pioneered the %usiness of independent& third3party credit risk management to improve the performance of fi-ed3income securities, /ur role is to monitor the fiduciaries in structured finance transactions& identify issues and resolve pro%lems, /ur services are designed to %ring investors improved yield& reduced losses& more transparency& and improved information flow, $e partner with a %road range of players in the structured finance industry& including servicers& trustees& insurers& %ond guarantors& dealers& and investors across all collateral types& including su%prime& *lt *& and prime assets, Ising the vast amount of information in our data%ase& our analysts e-amine and produce statistics and reports that are meaningful to our clients, /ur technology allows issuers to watch and compare deal performance over time and determine whats working and what needs improvement, They can immediately react to decision3making information& learn from current deals& and improve the structure of future securiti0ations, Performan+e Metri+s4 Delin.uencies !osses !oss #everity Prepayment #peeds 2CP;/P#*4 Defaults )alue Declines Timeline Metrics Cure/;esolution ;ates ;oll ;ates /rigination G Current Distri%utions
Re,% A! Analyti+s 8 Reportin, The fi-ed income industry has long trusted Clayton to represent the interests of& and provide transparency to& the investor community, Claytons e-pertise and technology provide issuers with a full suite of services to comply with ;egulation *( static pool reporting re.uirements, Clayton provides issuers with: Report $eneration
/ur e-perienced analysts create a core set of reports that cover the areas re.uired %y tem 556C of ;egulation *(& including: ;eporting !evels o o o )intage Transaction Portfolio
Collateral Composition o o o o o o Prime #u%prime *lt3* !oan si0e nterest rate !T)
Collateral Performance o o o o o o Delin.uency !osses Prepayment Payment rate Lield Credit #cores
Data Ipload 3 $e upload your data and place it in a secure warehouse environment, /nline nterface 3 $e provide access to your data via the nternet through a proprietary %usiness interface tool, #upport 3 The industryHs largest concentration of analysts provides ongoing support, SERVICES FOR FIXED INCOME INVESTORS nvestors depend on Clayton to help keep their losses to a minimum and their information to a ma-imum& allowing for %etter informed decisions, (y actively and accurately monitoring& analy0ing and reporting on %ond reconciliation& %ond and collateral performance& Clayton provides a range of %enefits to nvestors who seek a trusted partner, Claytons services touch the pre3 and post3securiti0ation process& while our data provides in3depth assessment and insight, In.epen.ent Pri+in, Servi+es
Claytons independent pricing service is an independent pricing company for managers of financial institutions that invest in fi-ed3income securities, $e provide our clients with third3party& fair3market portfolio pricing services, /ur pricing processes incorporate a %lend of market and credit research& internal and e-ternal pricing models& and e-pert ?udgment to verify prices and performance assumptions, Clayton places a premium on individuals with prior e-perience on a fi-ed income trading desk or in an analytical position, /ur team has e-perience evaluating and trading structured products& giving us the a%ility to evaluate each security as if we were analy0ing it for trade, Remittan+e Analyti+s 8 Reportin, Claytons MastereporterF offers a customi0ed monthly portfolio tracking and reporting service for fi-ed3income dealers& investors& and portfolio managers, $e go %eyond traditional investor reporting& allowing portfolio managers to analy0e their %onds side3%y3side in the same format, $e integrate and customi0e remittance statements and other portfolio data, n each report& we track the data& analytics& collateral tests& and trigger tests most important to an individual portfolio, This decision3making information frees %usy portfolio managers& investors& and dealers to focus on other investment priorities, CLAYTON CONSULTING Clayton Consulting com%ines our analytical capa%ilities with our years of e-perience and deep e-pertise in mortgage operations and risk management, Claytons e-perience is well3esta%lished + we were a pioneer in the field of independent mortgage loan and portfolio analysis and have grown with this market for the past 57 years, Claytons e-pertise has %een developed through the support it consistently provides for the largest non3agency M(# underwriters in the market and continues to grow as we e-pand our %ase of mortgage professionals, $hen Claytons clients face strategic or operational issues& we leverage our intellectual assets to help them clear the hurdles and reali0e the full %enefit of operational and strategic improvement opportunities, Complian+e an. Operational Revie-s an. Certifi+ations Clayton Consulting provides detailed reviews and certifications of %oth lender compliance departments and overall operations, >or !enders& these reviews can make the difference in securing a new source of funds, >or !oan (uyers& these reviews provide the surety re.uired when assessing a potential new seller, Clayton Compliance G /perational ;eviews and Certification programs include: ;eview scope and topical outline, /n3site reviews of policies& procedures& systems and origination processes& including:
o o o o
Management interviews Demonstrations of relevant software applications dentification of sources of compliance information& as applica%le Communication of and training support relating to revisions& amendments& and modifications of compliance& high cost& predatory lending& and other applica%le federal/state/municipality legislation& as applica%le
;eview of approval& renewal& and monitoring processes of vendors& %rokers& correspondents& and third3party service providers& as applica%le
*ssessment& summary and narrative review >eed%ack and recommendations& as necessary& regarding issues identified in the review,
!)siness Pro+ess an. Sol)tions Cons)ltin, Clayton Consulting com%ines e-tensive knowledge of mortgage origination and servicing& capital markets& and pro?ect management with a custom tailored approach that ena%les our clients to manage risk and take advantage of opportunities more effectively, Clayton Process G #olutions consulting services include: (usiness process reengineering #trategic and tactical planning Turnkey portfolio management services Portfolio securiti0ation support Pro?ect management services
Re,)lation A! Attestation Rea.iness Preparation Claytons deep knowledge of servicing %est practices allows us to assess servicers readiness for attesting to ;egulation *( re.uirements, Clayton has conducted hundreds of servicer reviews& and has developed a comprehensive program that covers all sections of ;egulation *( servicing criteria, Claytons operational readiness review consists of: Checklist /n site evaluation Map analysis ;emediation Cure/;esolution ;ates
CLAYTON OUTSOURCING
;oll ;ates /rigination G Current Distri%utions
Clayton /utsourcing allows our clients to utili0e the cost efficiencies availa%le through a highly scaled solutions provider to reduce fi-ed costs in favor of varia%le costs + which helps to manage profits in any market cycle, Clayton /utsourcing provides a range of end3to3end %ack office solutions for lenders& loan %uyers& security issuers and servicers, Len.er Pro.)+tion S)pport Clayton provides a wide spectrum of outsourced operation services that help lenders increase profita%ility and productivity while decreasing fi-ed overhead costs, $ith a full range of end3to3end solutions& Claytons teams of skilled mortgage professionals work directly with our clients to deliver accurate and relia%le outsourcing solutions that provide tangi%le results + results that can directly impact the %ottom line, /utsourcing solutions include: Inderwriting& closing and funding Post close review Pre3purchase audit Pre3funding audit 1MD*/compliance audits 'ew !oan #etup Custodial audits Collateral file review *ssignment services MJ;# research/integration Document recovery Pool certification support
Ima,e Ena7le. Pro+esses Claytons imaging& workflow and document management services provide clients with a dynamic end3to3end solution that leverages a we%3accessi%le custom portal& image hosting platform& and scala%le workflow and document management processes to deliver image ena%led processing capa%ilities tailored to our clients specific needs, $hether the goal is to improve .uality& productivity or time to market& Clayton can deliver a solution that fits your %usiness today + and into the future, #ervices include:
ngestion of documents nde-ing Data e-traction from image 2/C;3%ased4 Document presence and data verification Trailing document management $e%3%ased viewing and delivery of loan files mage conversion from multiple formats and inde-ing schemes to a common format/inde-ing
/ur services support the remote upload of trailing documents from %ranches/%rokers and third parties, *dditional services include data capture of select mortgage documents and delivery to servicers and investors, Professional Staffin, Servi+es TodayHs mortgage marketplace is dynamic& diverse& and always demanding, Claytons #trategic $orkforce #olutions help clients meet their changing %usiness demands& adding fle-i%ility while effectively managing costs, Claytons uni.ue #trategic $orkforce #olutions creates greater %usiness value %y giving our clients access to the most .ualified associates in the industry while increasing their fle-i%ility& efficiency& cost reduction capa%ilities and profita%ility, ClaytonGs Strate,i+ 'or1for+e Sol)tions4 Clayton Staffin, Sol)tions + Temporary Placement, Clayton can provide temporary associates to you for any fill3ins& peak periods or special pro?ects, Clayton can also help you reduce costs %y staffing entire functions for any time period necessary, Clayton Career Sol)tions + Direct 1ire or Temp3to31ire Placement, Clayton can fill full time key positions in your organi0ation for a fee or provide an associate on a temporary %asis after which you can then hire the associate if you feel they are a good fit, Clayton Staffin, Sol)tions Clayton #taffing #olutions is your resource for short3 and long3term staffing solutions& providing effective ways for our clients to focus on their core %usiness while reducing costs associated with the recruiting process, Claytons e-cellent reputation in the marketplace attracts the most e-perienced industry talent leading to constant recruitment and training of new individuals while retaining e-isting professionals, Prior to consideration for placement& all candidates will complete an in3depth screening process that includes thorough skill evaluations and reference checking, 'ew associates are strategically placed %ased on the positions re.uired skill set& the clients corporate culture and management style, /ur nationwide network of contract mortgage professionals are e-perienced in:
Inderwriting Due Diligence #upport ;egulatory Compliance ;eviews Processing Closing Collections Default Management
*n integral part of the Clayton .uality process is our Associate &er,or-ance A11raisal 4+rve2 2*P*4 which is used to monitor the performance of our temporary associates while on assignment, The feed%ack we receive from our clients provides us with the continuing guidance to increase our level of .uality and client support services, Clients tell us they choose Clayton %ecause of our E9perien+e& E9pertise& Response an. E)ality, Clayton Staffin, Sol)tions !enefits In+l).e4 Jliminate recruiting costs and employer ta- contri%utions #ave in %enefit or entitlement e-penses ;educe unemployment insurance and advertising costs *chieve higher levels of productivity Time and e-penditure savings incurred during the interview and selection process Clayton Career Sol)tions ClaytonHs e-perience in the marketplace gives us the industry knowledge and resources needed to ensure accurate professional placement and improve our clients competitive edge %y ma-imi0ing the talent in their organi0ation, Clayton works with our clients to understand their organi0ational structure& %usiness process& recruiting needs and company o%?ectives, $ith Claytons a%ility to tailor our solutions to meet an organi0ations precise %usiness needs& we can minimi0e recruiting costs while ma-imi0ing .uality of service, /ur .ire+t *ire solution allows an organi0ation to approach Clayton with an open full time position& its re.uirements and time frame to fill the position, Clayton will conduct a thorough search& interview and have career discussions with .ualified candidates prior to recommending them to the organi0ation, /ur temp :to:*ire solution allows an organi0ation to use Clayton as a recruiting partner to place individuals in a position as a temporary associate with the option to hire that associate full time, ClaytonGs Pro+ess
Claytons professional recruiting team averages over 5: years of recruiting e-perience, n 966B alone we have added :&C66 .ualified and e-perienced mortgage professionals to our already ro%ust network, $hen you need to focus on your %usiness 3 let Clayton %e your recruiting partner, $eHll take care of recruiting the most e-perienced talent in the industry, * Clayton Professional Placement Consultant 2PPC4 will help you get the most from your human resources %udget %y conducting a Client 'eeds *ssessment *nalysis, The Clients 'eeds *ssessment *nalysis will provide us with the detail weHll need a%out the position you want to fill including the scope of responsi%ilities& skill set re.uirements& position e-pectations& department o%?ectives and more, t will also help us understand your corporate structure and culture to ensure the right associate is placed, n addition& Clayton has a :6 day candidate guarantee which protects your investment if the professional we place within your organi0ation leaves voluntarily or if the candidateHs skills donHt meet your needs or e-pectations, Clayton Career Sol)tions !enefits In+l).e4 Jliminate la%or intensive candidate searches Comprehensive candidate search Tailored solutions to meet your needs Candidate guarantee of thirty 2:64 days
Con.)it S)pport Servi+es Clayton Conduit #upport #ervices offers a %road range of support services to help clients manage their loan3%y3loan& flow and mini3%ulk %usiness, /ur customi0ed services and processes are designed to facilitate seller loan .ualification and su%mission& due diligence and fulfillment& funding& and integration with all third3party services and post3transaction parties, $e provide our clients with all loan review services and the option of a centrali0ed fulfillment center that receives and reviews all collateral& credit& and servicing file documentation necessary to render a recommended funding decision, Claytons Conduit #upport #ervices are delivered via a modular technology platform that provides clients and sellers with secure access to a private we% portal that efficiently facilitates transactions& communications and reporting, /n3line dynamic reporting capa%ilities allow tracking of multiple areas of work at any time, Conduit due diligence analytics are performed in our Centrali0ed Inderwriting operations centers& reducing travel costs associated with on3site due diligence, >or %uyers that need to com%ine Conduit operations with %ulk loan purchases& Clayton can accommodate %oth with a turnkey program and customi0ed platform designed to fit their mini3%ulk needs, This %road set of capa%ilities is %acked %y our commitment to client service, Clayton provides constant and consistent communication with all active sellers, The relationships we develop and manage with sellers are a vital component in the process& helping to facilitate consistently smooth funding decisions,
>ast& cost3effective set up and easy scala%ility to meet clients dynamic needs& Claytons Conduit #upport #ervices include: #eller loan .ualification and su%mission !oan eligi%ility& pricing G locking Credit underwriting and regulatory compliance reviews Property valuation services and fraud reviews =uality control Commitment tracking G management Document resolutions Custodial file creation G management #ervicing data collection and file upload #ervicing transfer and custodial coordination Data file storage and management Tracking and trending analysis of sellers =uantifia%le seller surveys twice per year to solicit direct feed%ack for clients maging
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OTHER
INDUSTRY NEWS !atest press release and corporate information: http://ir,clayton,com/phoeni-,0html"cN5@76D:GpNirol3irhome CLAYTON BOTTOM LINE NEWSLETTER Please see separate PD> document, The latest edition is Ouly / *ugust 966B, LOCATION Corporate 1ead.uarters 9 Corporate Drive #helton& CT 6B<D< Phone: 96:3@9B37B66 $e% #ite: http://www,clayton,com )aluation Measures Market Cap A:CB,7CM >inancial nformation accessi%le at LahooP >inance: http://finance,yahoo,com/."sNclayG-N6GyN6

Clayton Competitive Analysis - February 2007-Cs

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Clayton Competitive Analysis - February 2007-Cs

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CLAYTON Competitive Analysis Profile

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITIVE ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTONS MISSION / CULTURE

CLAYTON COMPETITI(E ANALYSIS PROFILE

MARKET / PRODUCT DRIVEN

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

MARKET AND PRODUCT DESCRIPTIONS

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

Truth3in3!ending o o >inance charges and *P; Inder//ver Disclosures *P; ;e3calculation

#tate #pecific Prepay o o Prohi%ited Practices Disclosure )alidation

Te-as J.uity o o :K Test #tate3specific Disclosure )alidation

Payment #tream ;ecalculation

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

;oll ;ates /rigination G Current Distri%utions

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

CLAYTON COMPETITI(E ANALYSIS PROFILE

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Truth3in3!ending o o >inance charges and P; Inder//ver Disclosures P; ;e3calculation