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Globalise – The Global Interim Management Group – enables you to solve tough business challenges. Individually selected from our managed network of thousands of experts worldwide, our managers will rapidly and accurately understand your situation and achieve your specific goals: quickly, reliably and always successfully. Wherever you are in the world and whatever it takes.

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Mortgage management software program development and implementation for a bank in the USA

Case Study


A bank was in need of an expert banking manager to develop and implement a program to facilitate the origination of residential first mortgage loans for purchasers of individual condominium units in projects that had been funded with loans from the commercial lending department of the client bank.


Atreus provided a results-oriented mortgage banking manager with more than 35 years of experience to develop a loan program, lending guidelines and pricing parameters. This would effectively transfer the concentrated risk represented by the high-balance commercial loans to developers into a lower and more dispersed level of risk.

Faced with a lack of liquidity, new and rigorous standards for loan approval and the lack of mortgage insurance availability for higher loan-to-value transactions, our manager redesigned the bank’s lending programs, underwriting guidelines and risk pricing structure for condominium loans to be held in the bank’s investment portfolio.

Our manager coordinated the efforts of experts from the commercial lending, residential lending, treasury, corporate credit, loss mitigation and marketing departments to develop and market mortgage loan products that would appeal to prospective condominium purchasers. At the same time, the underwriting guidelines were designed to ensure that the loans would be of investment-grade quality and priced to address the risk associated with higher loan-to-value transactions.


The project resulted in a growing volume of condominium unit sales and loan business each month, a steady reduction in the outstanding principal balance of the commercial loans and the creation of a low-risk pool of investment-quality residential mortgage loans in the bank’s portfolio.

If you would like to know what Atreus can do for you in a similar situation, get in touch.

+49 89 452249-540

Atreus is the leading interim management provider in Germany and one of the largest in its field in Europe. We solve difficult operational management and transformation problems quickly and reliably. Contact us and find out how we can help you master your situation with management expertise that is available at short notice and that is the perfect fit for you.

Atreus is a co-founder of Globalise – the market’s leading and largest provider of international interim management. Accelerating change and delivering success. Worldwide. Structured as a global group of leading interim management firms, Globalise has the reach to support you in solving your company’s most important issues around the world.

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