 Our approach to structuring a lasting partnership between our Group and your bank incorporates the following values:
The VC Mortgage Banking Equity Group (“VCMB”) management team recognizes that each bank’s path to success is unique. We have experience building, owning and operating industry leading mortgage banking models. There are an endless number of ways in which to design a residential mortgage banking platform, particularly as it relates to strategies surrounding individual or multiple channels of loan production, deployment of technology, back office operations management structure and techniques, and capital markets execution tactics. Structuring a unique mortgage banking platform that is in full alignment with an individual bank’s overall strategic vision and individual circumstances is therefore critical in our focus. Top
Experience, Resources & Focus on Risk Management
With the
benefit of our 25 years of combined owner/operator management experience, long standing
industry relationships, vast network of industry professionals and trusted
staff we have worked with in the past, we bring the requisite professional
expertise in residential mortgage banking to the table. The Group is unwaveringly focused on
minimizing or eliminating the bank’s operational risk, interest rate risk and
asset risk in order to achieve its objectives from an optimal risk-adjusted
rate of return standpoint. Succinctly,
it’s what we do.
Maximizing Shareholder Value with Flexible Structure
VCMB is able
to invest equity capital to build the bank’s residential mortgage banking
division, if necessary. While we are
looking for only one well managed bank, the Group is agnostic on deal
structure. We are open-minded to
exploring the formation of a jointly funded operating subsidiary of the right
bank, a simple “division” of the bank, a contract relationship with the bank, or
direct employment by the bank. The
primary tenet of our thought process is that we tie ourselves to the bottom
line and long term performance for true goal alignment in the
relationship. Whether a bank needs help
with its deposit gathering strategy, diversification of the assets on its
balance sheet, diversification of its sources of income, new products and
services to offer existing customers, or a method by which to put excess
liquidity on the bank’s balance sheet to good use, we can prioritize these
objectives to maximize bank shareholder value. Is Your Bank the Ideal Candidate?
The ideal bank candidate for a partnership with VCMB is looking either to enter into the residential mortgage banking business from a de novo standpoint, or to take its existing mortgage banking platform to the next level. If you are looking to incorporate the expertise of proven industry veterans in residential mortgage banking into your organization, or just looking to learn more about residential mortgage banking, please Contact Us now to begin the dialogue. We are happy to meet one-on-one with management, conduct a confidential feasibility study, and present a series of pro-forma plans for alternative mortgage banking division structures that fit your individual bank’s strategic goals and objectives, free of charge. In developing a customized strategic plan for a residential mortgage banking platform that is congruent with your bank's unique situation and strategic objectives, our areas of focus include:
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