about ssi, inc

Mortgage Insurance IndustryDifficult EnvironmentCosts way up – profits way down

Investment portfolio losses in the market downturn

Increased claims due to high foreclosure rate

Credit rating downgrade or watchPROFITS

COSTS

“Unfortunately, the lending practices of the past have dramatically increased the volume of claims tainted by fraud filed with Mortgage Insurers.”

David M. McGraw

CEO – SSI, Inc.

Sins of the Past

1. Unique dual servicing delivery platform2. Internal team capabilities and mortgage

experience3. External team that possesses

professionalism, and long term investigative experience

4. Advanced Technology with integration capabilities

5. Focused services provided in addition to optional services as requested or needed by client

6. Compliant policies and procedures regarding proprietary information

7. Longevity and Consistency

WHAT MAKES US DIFFERENT

Provide our customers with both seasoned mortgage professionals as well as vetted and licensed private investigators

Manage scheduling and billing hours for our clients with respect to outside private investigators

Reduce collateral clutter by managing report information and maintaining complete reports in house

Unique Dual Servicing Platform

Over 207 years of mortgage underwriting and risk management experience

The ability to spot irregularities quicklyAdept at quickly reviewing loan packagesComprehensive and concise reportingMulti-lingual StaffManagement of individual private

investigators scheduling, and billable hours

Our Internal Team

Over 500 FBI, Sheriffs, and law enforcement professionals, ready to serve our clients needs

All vetted and properly licensed within their state requirements

SSI, Inc. is creating and launching webinar, power point, and awareness and sensitivity training for our private investigators to better serve our clients

Our External Team

Retooled our delivery system for best integration possible

Works directly with our clients document management system

Direct login to clients secure networkAuto notices of file transmittalPaperless

Technology

Re-verification of loan documents such as income, employment, assets and HUD-1 Settlement statements

Database searches of undisclosed propertiesReasonableness of incomeFace to face or phone interviews with

borrowers as required by client

Our Service to YOU

Initial desk review to include “red flag” analysis as well as risk based borrower scoring system

Loan portfolio sampling, random or stratified samples

Value Added Services

Over 25 years in the business of investigating mortgage fraud

Longevity and Consistency

1. Unique dual servicing delivery platform2. Internal Team capabilities and mortgage

experience3. External Team that possesses

professionalism, and long term investigative experience

4. Advanced Technology with integration capabilities

5. Focused services provided in addition to optional services as requested or needed by client

6. Compliant policies and procedures regarding proprietary information

7. Longevity and Consistency

Our differences that MAKE the difference

David McGraw

• CEO/Chairman

• 14 Years as CEO/President of privately held companies

Carlton Carden

• Vice President Corporate Development

• Successful technology entrepreneur

• 28 years experience in business & corporate development

• Georgia Tech & Stanford Business School graduate

Marie Summers• 20 Years Mortgage Industry

Experience

• 15 years Regional Manager

• 2 years OPS Manager

• 3 years Account Executive

• Regional Manager of the Year 2006

• AE of the Year 1997

Susan Blair

• 25 Years in the Mortgage Industry

• 17 Years Operations Manager

• 5 Years District Credit Manager Underwriter

• 2 Years Producing Branch Manager

• 6 years Processing Manager

Natasha Graves• 9 Years in the Mortgage

Industry

• Office Manager

Adriane Harden• 5 years Mortgage

Origination

• 6 years Loan Processor

• 1 Year

• Closer

Melinda Castro

• 10 Years

• Sr. Loan Processor

• 2 years

• Closer

Amanda Guerrero• 12 Years in Mortgage

Industry

• 2 years bi-lingual loan originator

• 2 years Loan Processor

• 5 years

• Warehouse line Analyst

Barbara Wood

• 22 Years in the Mortgage Industry

• 15 years Underwriting

• 7 Years

• Processing/

• Operations

Cathy Steenwyk• 13 Years in the Mortgage

Industry

• 7 years Quality control Review

• 3 years Loan Shipping and sales

• 3 years Final Documents Control

James Crow

• 9 years Owner Investigation Firm

• 12 Years US Marines/

• Military Police

• 7 years Business Development

Jerri Haas

• 16 Years in Banking, Taxes, Stockbroker

• 6 years

• Mortgage Loan Originator

Kyra Adams

• 5 Years

• Mortgage Loan Processor

Matt Mitchell

• 10 years in the Mortgage Industry

• 5 years Loan Processing

• 2 years Underwriting

• 3 Years Compliance

Rhonda Padgett• 10 Years Mortgage Loan

Processor

Rori Smith

• 9 Years Customer Service

Shirley Goicochea• 12 Years in the Mortgage

Industry

• 6 years Commercial Lending

• 6 years Residential and Consumer Lending

Whitney Moore

• 5 Years Mortgage Loan Processor

Susan Yang

• 13 Years Mortgage Industry Experience

• 5 years processing

• 5 years post closing

• 3 years Wholesale Underwriter

Bonita Fontenot• 16 years Mortgage

Experience

• 2 years Mortgage Underwriter

• 14 years Sales Management

Nicki Wynn

•  Mortgage Industry 13 years

• 4 yrs as a processor

• 1 yr as an underwriter

• 3 years as a pipeline manager

• 5 years as an originator

Kristen Belcher• Mortgage industry 12 years

• 11 yrs  Sr. Processor

• 1 year junior processor

Our Private Investigators• Faces blurred to protect

their identity