Consolidated Analytics' Consulting & Advisory Division provides mortgage lenders and servicers with system selection, implementation and optimization. Email sales@ca-usa.com

1. ACTIVATING PERFORMANCE
FROM ASSET-TO-ENTERPRISE
Valuation Services & Analytics | Due Diligence |Business Process Services | Consulting & Advisory
ACTIVATING MORTAGE TECH PERFORMANCE
SYSTEM SELECTION, IMPLEMENTATION & OPTIMIZATION

2. 1996
• Consolidated Analytics founded
as Standard Analytics
• Exists as an Appraisal
Management Company (AMC)
• Brian Gehl acquires a
controlling interest
• Company renamed
Consolidated Analytics
2009
2013
• Arvin Wijay acquires
partnership interest
• Launches due diligence
operation
• Acquires Operational
Excellence Now (OpExNow)
• Delivers strategic advisory
and consulting to clients
2015
2017
• Acquires Equitable Mortgage
Solutions
• Joe Andrea and Rudy Zabran
join company to drive solution
development
• Launch component servicing
• Acquires Carrington Property Services
• Approved by all major rating agencies
• Builds custom client DD platform
• Adds Post-close QC/ Audit
COMPANY HISTORY
From Appraisal Management to Full-Scope Mortgage Solutions
2018-Current

3. IMPLEMENTATION PHILOSOPHY
We take learnings and knowledge from first-hand lending, servicing and technology implementation experience and overlay end-user,
industry, digital, and market trends to ensure our clients maximize their technology investments.
Technology Experience
Improve predictability, quality,
efficiency, scalability, and cost-
containment by optimizing
automation and improving process
design.
End-use Training
End-user awareness leads to end-
user adoption. We ensure
employees and/or customers can
effectively and intuitively navigate
their system(s) and can easily
access resources for support.
Mortgage
Lender/Servicer
Help lenders and servicers
navigate the complexities,
logistics and financial risks
involved in selecting and
implementing systems.
.
Trend Tracking
Remain in-the-know and
quickly embrace relevant
industry, compliance, market,
and tech trends impacting the
client and its customers.

4. SYSTEM IMPLEMENTATION OVERVIEW
A comprehensive and executable technology strategy for point-of-sale, servicing, and loan origination platforms. We apply these
skills for both initial implementation and optimization projects.
Configuration & Custom CodingDiscovery and Selection
Support strategic planning,
system analysis, GAP analysis,
vendor vetting, system selection,
contracting, and negotiation.
Train and Communicate
Our comprehensive training and
communication strategies ensure your
users are knowledgeable and productive
on day 1, and ongoing after launch.
Business/Project Planning
Identify and define internal and
external resources, tools, staff and
skills needs. Organize and structure a
skilled project team and structure.
Testing and Deployment
Provide system integration (SIT) and user
acceptance (UAT) testing; implement and
roll out system; and create operational
readiness plans to reduce risk and ensure
success.
Deep Talent Pool
Executable Solutions
Unparalleled industry
experience
Define business/platform
architecture needs; develop
project roadmap and tracking;
and document systems and
processes.
Resource Development
Set up core system parameters; define
workflow and reporting requirements;
and implement system interfaces, rules
and controls.

5. Multi-system & Technology Expertise
Our team has experience across a range of mortgage technologies including: Point-of-Sale, B2B Apps, Loan
Origination (LOS), Servicing, Optical Character Recognition (OCR), Robotics Process Automation (RPA),
Automatic Data Relay (ADR), on-premise or cloud-based platforms, custom coding, third-party integrations,
and application development/ deployment.
15+ Years in Industry
Experience in retail /mortgage loan origination,
products, prequal, processing and underwriting/QC
through post-close and secondary execution,
mortgage servicing, capital markets, and more.
System/Operations Interaction
We bring together technical, automation, digital,
and business experts with operations and
workflow experts enable seamless and timely
execution that translates to cost-savings across the
organization.
Combined Methodologies
Compliance Focused
Our teams monitor federal, state, and local
regulation impacting systems to ensure
support for time-sensitive system
customizations, testing, compliance
change management, technical
documentation, policies and procedures,
and re-training.
TEAM QUALIFICATIONS
From project management through custom development, we hire the best, brightest, and most experienced in the industry.
Our teams combine Lean Six Sigma and Agile
principles with project management practices
and proprietary methodologies to develop an
effective, measurable, and executable
implementation or optimization approach.

6. Training
We deliver client- branded tools, training,
and documentation to ensure successful
user adoption and buy-in. Options include
on-site, web-based, interactive, and more.
Site Prep Plan
Work Migration Plan
We collaborate with clients to develop
strategies to help transition from old
to new processes and/or systems,
including data repository, people, and
responsibilities.
Communications
We identify IT, workspace, resource
and other requirements needed for
successful roll out.
Go/No-Go Pre-Flight
We develop a business readiness
implementation plan identifying
risks, issues, test plan, and metric
tracking. We formalize a plan as part
of policies and procedures.
OPERATIONAL NEEDS
Loan Origination System
We work with clients to ensure system,
compliance and policy changes are
clearly communicated across the
organization. We also help put in place
issue resolution/triage and escalation
programs.
Our advisory and consulting goes beyond the technical requirements to ensure your organization is operationally prepared.

7. ABOUT US
 Relentlessly driven toward outcomes
 Multidisciplinary team of subject matter experts
 Client-focused innovation & advancement
 Pair process, technology, and consulting expertise with
thoughtful, intelligent business solutions

8. About Consolidated Analytics
Consolidated Analytics provides the real estate
finance industry with an end-to-end mortgage
services platform that delivers value to its
customers, from asset-level analyses through
enterprise optimization. By harnessing the
power of data and technology –and by tapping
into the expert insights of our multidisciplinary
team— we help forward-thinking companies
unlock loan and operational quality, efficiency
and performance.
Consolidated Analytics serves clients in
mortgage lending, servicing, and capital
markets. Its solutions span across the mortgage
value chain and include due diligence, valuation
services & analytics, business process services,
consulting & advisory
ABOUT US

9. A FEW WORDS FROM OUR CEO
Consolidated Analytics delivers value to its customers, from
asset-level analyses through enterprise-wide optimization.
We recognize that mortgage and financial solutions requires a
balance of strategy, expertise, discipline, tech-enablement, and
execution; it’s not enough to just provide a service.
Our mortgage solutions platform is led by a multidisciplinary
team of industry practitioners, innovators, and entrepreneurs.
We develop solutions with the client in mind, delivering greater
insights and transparency, increasing quality, enhancing productivity
and performance, generating cost savings, and optimizing operations.
- Arvin Wijay, Chief Executive Officer
How We Work

10. Arvin Wijay
Chief Executive Officer
• 20+ years in mortgage banking industry
• Executive leadership experience across mortgage
lifecycle at highly respected and reputable
institutions
• Founded Retreat Capital (sold 2013) to global
consulting firm
Joe Andrea
President
• Responsible for business development and
strategic marketing initiatives
• 20+ years in executive leadership within mortgage
industry
• Founding Partner of due diligence firm Opus CMC
(sold to global consulting firm in 2014)
Brian Gehl
President
• Executive leadership at Consolidated Analytics
2009 – present.
• Founding Partner CommCo Credit (sold 2005)
and Priority Staffing (sold 2009)
• Driving business development and corporate
strategy
Rudy Zabran
Chief Revenue Officer
• 18+ years driving mortgage business & sales ops
• Co-founded due diligence services firm Opus
CMC (sold to global consulting firm in 2014)
• Previously global head of mortgage solution sales
for top 3 Indian tech and BPO company, Wipro
EXECUTIVE LEADERSHIP
Mike Jones
Chief Financial Officer
• 16 years mortgage banking and finance
• Held executive leadership at mortgage institutions for
past decade
• Diverse background including leading fintech
information systems teams
Dana Gross
SVP, Head of Human Resources
• 20 years HR leadership experience
• 15+ years as corporate training executive
• Oversees full-service HR department and develops
advisory and consulting solutions related to
mortgage industry training programs
Led by industry executives, operations experts, and inspiring entrepreneurs.

11. Division President, Advisory
• 30+ yrs. executive leadership
• Former COO at Vericrest a/k/a
Caliber Home Loans, SVP at
companies such as Saxon
Mortgage, Aurora Loan
Services, and Select Portfolio
Services
Steve Faulkner, CPA David Dill
Senior Vice President
• 40+ years of executive leadership
• Formerly COO at Supreme
Lending, EVP and Senior
Managing Director at
Stonegate/Homepoint, Senior
Director at Treliant, Senior
Managing Director Newbold,
President and CEO at Saxon
Michael Celenza
Senior Vice President
• 34+ years of executive leadership
• Former Head of Consulting at
Digital Risk, Founding Member at
Buckley Management Advisors,
Former President of Planet Home
Lending
Experts in financial services and mortgage operations, technology, transformation, business, regulation, and training
CONSULTING LEADERSHIP
• 20+ years of industry expertise
• Oversight and management of
multiple technologies
• Ran Project Management 5 yrs
• Extensive background in mortgage
servicing and origination disciplines
• Served as Nuclear Weapons Specialist
for the Navy
Senior Systems Consultant
Robert Westberg

12. TX Operations
6100 Tennyson Pkwy
Plano, TX 75024
www.consolidatedanalytics.com| (800) 320-9490
CA Headquarters
1500 S. Douglass Rd.
Suite 110B
Anaheim, CA 92806