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XL Dynamics Inc.
XL Dynamics Inc. is a privately held corporation and is headquartered in Cerritos, CA.
XL Dynamics Inc. was founded in 1992 and incorporated in 1998. XL Dynamics' team, which
consists of professionals with Mortgage Banking experience and strong technical knowledge,
laid the foundation for a revolutionary organization - one that has been designed by Mortgage
Bankers for Mortgage Bankers.
XL Dynamics Inc., India started operations in 2002 with its wholly owned office located in
Mumbai.
XL Dynamics Inc. India provides an end-to-end solution to the Mortgage Industry to all our
clients, from loan processing through secondary market portfolio management. Our web-based
loan origination and servicing systems is one of the most advanced technology platforms in the
industry. Our technology platform has been fully developed in house and is fully customizable,
secure, scalable and reliable.
XL Dynamics Inc., India conforms to international standards to foster an efficient and
contemporary work environment. XL Dynamics Inc., India is a customized blend of onshore and
offshore capabilities. These are tailored and coordinated to meet clients' specific business goals
while ensuring that the right resources and skills are available at desired locations.
XL Dynamics Inc.' implementation and delivery model leverages capacity, capabilities, and
competencies across geographies to achieve optimal customer satisfaction.
XL Dynamics Inc. - The Platform for Today - The Pathway to Tomorrow
Why
XL Dynamics INc.?
MORTGAGE PROCESSING, RISK ASSESSMENT & AUDIT SERVICES
XL Dynamics Inc. fulfills your Mortgage Processing needs by helping you assemble, analyze
risks and fund loans in compliance with all major GSE (Government Sponsored Enterprise) and
Investor guidelines. XL Dynamics Inc. through its efficient and quality centric expertise helps
you stay ahead in the most competitive markets, enhancing your market and goodwill.
FUNCTIONS
Pre-Risk Analysis
Hedging Analysis
Documents Preparation
Loan Boarding
Pre-Risk Analysis
The Pre-Risk Analysis Team assesses the risk associated with complex financial products being
offered to customers by the client by comparing the information in the system with the loan
documents submitted by the client. They analyze documents such as property title reports,
appraisals, income and asset statements, etc. They provide the Risk Analysis Team a summary of
their findings at the client's location in US. This helps the clients to make a better credit decision.
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Risk Analysis Quality Control
The Risk Analysis Quality Control Team at XL Dynamics Inc. audits the work completed by the
Loan Boarding, Pre-risk Analysis and Risk analysis Team. The functions involve reviewing the
loan decision sent out by the Risk Analyst in US. Once the audit is complete, the findings are
sent to the Risk Analyst to take any corrective action, if necessary. They also verify the system
for accuracy of the information in the system.
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Hedging Analysis
Hedging Review Team assists the Capital Markets team in managing the financial risk in the
company's mortgage originations. The team performs the daily audits of the locked pipeline to
ensure only active loans are hedged for the financial risk and the sales reporting to the hedging
vendor.
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market and integrating the updated rate sheet in the ERP systems to ensure that the most recent
and updated rates are available to the client and client's affiliate..
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Broker Approval and Support
The Broker Approval and Support looks after support functions to the B2B customers of the
Client. They review the Business Licenses and Approvals in the state where the B2B Customer's
offices are located. They review the company's status in the Better Business Bureau to verify if
the B2B Client has any customer complaints against it and sending it to the Account's Executive
for review. They also handle B2B customer service queries and their resolution. They also
perform Annual review and the recertification requests and send them to the Broker Company.
They also facilitate User ID Creation / Deletion of Ids.
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Shipping Support
The shipping support Team is responsible for the verification of the loan documents as per the
investor requirement, preparing the document packages and sending them to US Shipping Team
in US which will be further sent to the investors.
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SERVICES
XL Dynamics Inc. provides end-to-end solutions to the US Mortgage Banking Industry. The
services offered are
(a) IT solutions to the Mortgage Industry with its cutting-edge Loan Origination Technology;
(b) Operational Support to Mortgage Industry Brokers, Lenders, Servicers and Investors;
(c) Expert analysis and risk assessment of complex financial products;
(d) Execution of complex trades in the capital markets;
(e) Trading and hedging strategy and support;
(f) Financial accounting services;
(g) Regulatory compliance and audit services;
(h) Quality Control services and