Hidden costs and opportunities: Persch Consult by Accumin Whitepaper

For many credit institutions, the determination of the mortgage lending value appears to be a well-managed mandatory process; in reality, however, it is often a hidden burden in the mortgage business.

Christian Schuhmann MRICS, Managing Director at Persch Consult by Accumin, has developed a report that includes a profound examination of what the challenges are and why optimising these areas is important.

This study addresses the four possible target architectures for banks, evaluates them and highlights the urgent need for action..

Key takeaways

• Valuation can be used as the key lever in the mortgage business.
• It is not possible to make an assessment simply by looking at internal FTE capacity or external supplier prices.
• Regulatory safety and quality must be firmly embedded as system characteristics.
• Standardisation, governance, scalability and automatization can improve efficiency while maintaining quality and required compliance.