FOR SERVICERS
The borrower still calls. Now something answers, inside the rules.
Servicing volume is not elastic. A rate move, a disaster declaration or a delinquency wave arrives without warning, and the calls arrive with it: payments, due-date changes, payoff quotes, escrow questions, hardship intake. Each one is governed by rules about how and when you may make contact at all. Sei answers those calls inside those rules, and scores every one of them afterwards.
The desks we staff on the servicing side
Loan Boarding Agent
Replaces the boarding defect nobody finds until the borrower communications happens later.A transfer file is reconciled against the documents behind it before the first statement cycle, and exceptions are grouped by cause — because a mapping defect is never one loan.
The Loan Boarding AgentEscrow Manager
Replaces the escrow call queue every January.The annual analysis is run from the tax bills and insurance declarations themselves, and the call that follows — why the payment moved — is answered rather than queued.
The Escrow ManagerCollections Agent
Replaces the dialler campaign and the followups that are open.Early-stage delinquency worked to the bottom of the list rather than the top of it, inside the Regulation F frequency limits and the TCPA hours.
The Collections AgentDefault Management Desk
Replaces the timeline milestone found after it was missed.Every investor and insurer timeline milestone tracked on every defaulted loan, with the one about to slip flagged rather than the one that already did.
The Default Management DeskLoss Mitigation Agent
Replaces the package that remains incomplete while a Reg X clock ran.A package is complete before the clock matters. What is missing is said in one message, hardship income is calculated from the documents, and the Reg X timers are watched on every file.
The Loss Mitigation AgentClaims Analyst
Replaces the specialist reading a hundred-page package by hand.The document package behind each claim is read and reconciled, and handed back as a structured view a specialist verifies at a glance rather than a list of fields to re-check.
The Claims AnalystPayoffs Manager
Replaces the payoff request sitting in an inbox.Payoff requests are taken at any hour, quotes prepared from the file, and the lien release clock tracked afterwards — the penalty for missing it is statutory and varies by state.
The Payoffs ManagerCompliance Manager
Replaces the sampled review and the finding found at exam.Every servicing and collections interaction scored against Reg X, Reg F, FDCPA, UDAAP and your own SOPs, with the violating moment cited to its timestamp rather than sampled at 3%. Complaints from the CFPB portal and the public channels are trended alongside.
The Compliance Manager
What changes once every call is answered and scored
- Every borrower who calls during a rate move reaches someone on the first try, at any hour
- Outreach respects Regulation F — the 7-in-7 call-frequency limit and the limited-content message
- Hardship and loss-mitigation intake is captured consistently, in the caller’s first conversation
- Anything outside the agent’s remit warm-transfers to your team with the call so far attached
- Every interaction is scored, so the complaint pattern is visible before a regulator raises it
Every decision behind these is made against The Rulebook you gave us, checked by Triple Check, and logged in The Evidence Trail with a citation. How that works.
See it on your own servicing book
Bring us your own servicing work — a transfer file, a month of calls, a set of escrow analyses, a claim package. In 30 minutes you will see what a month of it scores against the rules it is governed by, and which of your own steps the desks would have taken differently.
Where the loan came from, and what it plugs into
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from