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first_img Share Save in Daily Dose, Featured, News, Print Features The Best Markets For Residential Property Investors 2 days ago  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Previous: FHFA Making Structural Changes Next: The Week Ahead: Insight Into Mortgage Performance About Author: David Wharton Demand Propels Home Prices Upward 2 days ago January 31, 2020 2,330 Views The Best Markets For Residential Property Investors 2 days ago Opportunities in Collateral Risk Management Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago At Fannie Mae, Jacob Williamson is responsible for oversight and management of all end-to-end collateral capabilities. These duties include front-end collateral policy design, property valuations, collateral valuation process modernization, and real estate. In the real estate space, Williamson is responsible for various foreclosure and REO functions, including short sales, foreclosure sale strategy, eviction/redemption oversight, mortgage release/rental operations, property preservation/inspections, repairs, closing/title, HOA/tax management, REO sales, and REO auctions.He is also responsible for performance management of the real estate agents, appraisers, and vendors. Williamson’s career with Fannie Mae stretches back nearly 14 years.Williamson has served on the DS News Editorial Advisory Board (EAB) since 2019. As a new recurring feature in 2020, we’ll be bringing you conversations with our EAB leadership—the industry professionals who help shapethe topics, content, and direction of DS News.What are your biggest takeaways and focuses as we leave 2019 behind and enter the new year?“Opportunity” is the word I would use to describe where we are, both for Fannie Mae and as an industry. When you look at the available technology and data and how much things have advanced, we’re really just scratching the surface on what we could do in the future. There are a couple of areas that I see as ripe with potential. One is around the valuation process and the technology that’s being used to capture data, whether that’s 3D scans or GIS data sources. All of this is becoming more available, and more in a state where we can use it, and that will be invaluable in understanding intimately what a property is worth and what it can sell for.A second area of opportunity is with the digitization of the mortgage itself. Whether it’s electronically obtaining bank statements or examining credit attributes, all of that data is becoming more available in a way that we can really capitalize on it.What priorities are you focused on as you plan your team’s goals?I work in the collateral risk management area, so I’m all about the property and managing the risks associated with the real estate process. As a collateral risk management team, we have a few key objectives.First, how do we do a better job of assessing risk with the collateral in the origination process? How do we improve quality and improve our overall risk evaluation increasing certainty around the value and the eligibility of the property? Continuously improving our risk management helps to support safety and soundness – that’s good for Fannie Mae and the industry.Second, we want to continue to improve our own valuation process. At Fannie Mae, we utilize appraisers and real estate agents to help us assess the value and price of our properties whether it’s in consideration of a short sale offer, an REO that we own and manage directly, or to help us determine whether we feel comfortable with a foreclosure bid value or cancellation of mortgage insurance. We have a team of folks that work in these processes where their primary focus is to review and reconcile values, and our goal is to improve value accuracy while also minimizing process and product costs.Lastly, we want to continue to improve our delinquent loan and REO decisioning. We want to improve how we determine appropriate strike prices and marketing decisions (e.g., whether to rehab or sell as is) all while maintaining our commitment to neighborhood stabilization and our preference to sell to owner occupants and first-time homebuyers.Are there any technologies that you think hold particular potential as far as capturing and tracking property data?I’m very excited about how attainable some of the technology solutions are becoming. 3D scans are a good example. When this technology was first introduced, it was an approximately $4,000 camera on a tripod. It took you maybe 30-60 minutes to complete a scan of a property. You had to leave the room while the camera completed its full 360 view, or you had to follow it around the tripod.Now, you can buy spherical cameras (a flat device that captures 180 degrees on both sides of the device instantly so there is no rotation) for less than $500, and many industry players are starting to build those software capabilities directly into smartphones.Technology is moving so quickly and I’m excited that it’s becoming more scalable, easier to use, and less expensive. Technology innovations not only help us better manage risk, but ultimately a more digital property valuation process will help everyone in the mortgage ecosystem improve its part of the process and give borrowers a great experience.As technology advances, what are the challenges of integrating it into legacy systems, or making the decision to upgrade or replace those systems?That’s a great question, and one, quite frankly, that we struggle with. Do you invest in your old legacy technology and keep it up as much as you can? The exciting thing about the cloud and the use of APIs is that it changes the data environment in a way that you don’t necessarily have to sync the old technology. As long as it’s in a digital cloud version, you can access it anywhere and with any systems.It’s sometimes a challenge to get your old systems onto the cloud, and to modify your old systems in a way that you can hit it through APIs. But I think once you do that, this allows all these technology solutions to scale very quickly.What are the milestones and accomplishments you’d like your team to have hit by this time next year?I want us to be perceived as a team that focuses on process improvement, on the leading edge of technology, and as a partner to the many groups we work with to improve and innovate the mortgage and real estate processes. When we unfortunately have to acquire a property through foreclosure, I also want our team to be viewed as the best asset management company especially in how we preserve, rehab, and sell our properties, and protect and enhance their associated neighborhoods.When I look at our Collateral Risk teams, these types of potential milestones and accomplishments are very motivating, and our teams are up to the challenge. Tagged with: EAB Fannie Mae Law The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Opportunities in Collateral Risk Management David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] EAB Fannie Mae Law 2020-01-31 David Wharton Sign up for DS News Daily Subscribelast_img read more

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first_imgThe United Kingdom’s novel coronavirus outbreak is starting to peak but it is too early to lift the lockdown because the virus would “run rampant” if the government eased social distancing measures, Health Minister Matt Hancock said on Thursday.The United Kingdom has the fifth highest official death toll from COVID-19 in the world, after the United States, Italy, Spain and France, though the figure only covers hospital fatalities and the real number is probably much higher.”We think it is too early to make a change,” Hancock said. “While we’ve seen a flattening of the number of cases, and thankfully a flattening of the number of deaths, that hasn’t started to come down yet.” “If we just released all the measures now, then this virus would run rampant once again and we can’t let that happen.”While Prime Minister Boris Johnson recuperates at a country residence from COVID-19 complications that nearly cost him his life, the British government is due to discuss a review of the lockdown later on Thursday.Foreign Secretary Dominic Raab, who is deputizing for Johnson, has already made clear there will be no immediate lifting of the social distancing measures announced on March 23.Raab will chair a cabinet meeting at 1000 GMT at which the government’s chief scientist will update ministers. Later in the afternoon Raab will chair an emergency response meeting to discuss the lockdown. Social distancing The United Kingdom’s hospital death toll from COVID-19 rose by 761 to 12,868 as of 1600 on April 14, the health ministry said. Broader statistics that include deaths in care homes and in the community suggest the total toll is much larger.The most stringent restrictions in British peacetime history have effectively closed down much of the world economy, and the United Kingdom is heading towards its deepest depression in three centuries.As leaders around the world begin to contemplate ways to exit the shutdown, epidemiologists have cautioned that a second wave of the outbreak could endanger the weak and elderly.Neil Ferguson, a professor of mathematical biology at Imperial College London who advises the government, said Britain would probably have to maintain some level of social distancing until a vaccine for the novel coronavirus is available.”It is not going to be going back to normal,” Ferguson told BBC radio. “We will have to maintain some level of social distancing, a significant level of social distancing, probably indefinitely until we have a vaccine available.””If we relax measures too much then we will see a resurgence in transmission,” he said. “If we want to reopen schools, let people get back to work then we need to keep the transmission down in another manner.”GlaxoSmithKline Chief Executive Officer Emma Walmsley said on Wednesday that a vaccine was unlikely to be ready before the second half of 2021. center_img Topics :last_img read more

first_imgTo achieve the target, Muhadjir said the government would convert a facility that was previously used for the production of avian influenza vaccine.“The President has approved the plan and we will soon conduct inter-ministerial coordination so that the PCR kits can really be produced at home, which would make us independent from imports,” he said.Muhadjir said Bio Farma would prepare the construction design for the production facility, while the Public Works and Housing Ministry would do the reconstruction based on the design.Indonesia has steadily ramped up its COVID-19 testing capacity, from an average of around 4,000 specimens tested daily in April to around 13,000 specimens tested daily since the end of May. However, the country still has among the lowest testing rates in the world, with around 2,300 tests per 1 million population as of Monday.Topics : The government is aiming to increase the country’s production capacity of COVID-19 polymerase chain reaction (PCR) test kits to 2 million units a month, Coordinating Human Development and Culture Minister Muhadjir Effendy said on Monday.“Should Indonesia be able to produce the number, [we] will be able to meet domestic needs,” Muhadjir said, adding that the idea had been conveyed to President “Jokowi” Widodo, who was also supportive of the plan.Currently, state-owned pharmaceutical company PT Bio Farma is producing around 50,000 test kits per week.last_img read more

first_imgKlungkung Police spokesman Comm. Adj. Putu Gede Ardana said the officers noticed yelping and whimpering coming from the motorbike. They forced open the seat and found two puppies.“The puppies were making noises for help, so we rescued them,” Ardana said on Wednesday as quoted by kompas.com.Read also: Pandemic leaves animals abandoned, starving in Bali, West Nusa TenggaraHe added that the motorcycle owner had not come to the Klungkung Police station to retrieve the bike and puppies. The police said they would give a warning to the motorcycle owner and would return the puppies if the motorcycle’s owner intended to keep them.The Klungkung police were tipped off to the street racing by locals. (dpk)Topics : The Klungkung Police rescued two puppies stuck inside the seat of a confiscated motorcycle at their station in Bali on Wednesday.The motorbike was confiscated after the police dispersed illegal street racers on the Ida Bagus Mantra bypass road early on Wednesday. last_img read more

first_imgOther awards included, Nathan Bernhardtwinning the Todd Matheson Memorial; Arjun Bhabra the Walter Clarkson memorial, Simon Forrester the Scotia Bank Achievement award; Jack Centrone the Alf Baker award; Nick Jenner the Marc Severyn memorial; Bantam Rep Ryan Kooznetsoff the Mike Laughton Sr. Award, Casey Harrison the R.C. Wright memorial; Kyle Patton the Barry Geist trophy; Midget Rep Hayden Klashinsky taking home the Brian Naka memorial; Taylor Harrison the Baker Street Esso Award and Liam Ingram and Andrew Falcone the Sarge Sammartino award for the top junior and senior officials, respectively.Leif Luttmer won the Ted Hargreaves coaching award while Sue Lakeman took the Robert Jeffs participation and dedication in advancing minor hockey in Nelson honour.Cash Nay (Atom), Rhett Hamilton (Peewee), Joe Davidson (Bantam) and Max Spielman ( Midget) were recipients of the Jackson Hole Three “A” award.Esso Medal of Achievement awards for most improve, most dedicated and most sportsmanlike went to Sawan Bhabra, Xavier Tinholt, Ryder Nash, Dane Jones, Nathan Jackman and Sebastien “Seabass” Conne-Corrent in the Atom Division.In Peewee House, winners included Wyatt Groenhuysen, Ryan Durocher and Jack Steer.In Peewee Rep, winners were Nathan Medeiros, Dakoda Fizzard, Reid Gerrand, Joe Laren, Karim Nephin and Matthew Lehr.Bantam House were Ethan Grill, Pax Arrowsmith and Jackson Cousins.Bantam Rep were Carson Pottle, Logan Smart and William McLeod.Midget House winners were TJ Winters, Charles Curiston, Noah Marsh, Ben Price, Kyle Patton and Mike Zarikoff.Midget Rep were Jake Laplante, Adam Volansky and Matthew Zwick. Hats off to the Nelson Leafs for winning the West Kootenay Minor Hockey Atom B Championship.However, this night was for all of the players as Nelson Minor Hockey culminated another successful campaign on the ice with its annual awards banquet Wednesday at the Selkirk College Tenth Street Campus.Once again the evening was led by former NHLer and Nelson Minor Hockey Association grad Mike Laughton.The Nelson native saluted the award winners along with giving the banquet goers a history lesson on the greats from Nelson Minor Hockey past.Laughton and Nelson Minor Hockey even went out of their way to invite a head table of guest that included past family representatives of the night’s major awards.The presenters took the players, parents and coaches on a trip down memory lane with many great stories from Nelson Minor Hockey history books.Some of the award winners included Grady Groenhuysen winning the Barry Pearce Memorial and Mitchell Erickson taking home the John Reichardt Memorial, both awards for Atom Player who displays team dedication, good sportsmanship, desire and love of the game.last_img read more

first_imgShare on Pinterest Twitter The Final Quarter review – exhilarating Adam Goodes documentary pulses with urgency Australian rules football Support The Guardian A tale of two Adam Goodes films: docos on AFL legend put racism in big picture Reuse this content Pinterest features Australia sport Read more Adam Goodes AFL Share on LinkedIn … we have a small favour to ask. More people are reading and supporting The Guardian’s independent, investigative journalism than ever before. And unlike many new organisations, we have chosen an approach that allows us to keep our journalism accessible to all, regardless of where they live or what they can afford. But we need your ongoing support to keep working as we do.The Guardian will engage with the most critical issues of our time – from the escalating climate catastrophe to widespread inequality to the influence of big tech on our lives. At a time when factual information is a necessity, we believe that each of us, around the world, deserves access to accurate reporting with integrity at its heart.Our editorial independence means we set our own agenda and voice our own opinions. Guardian journalism is free from commercial and political bias and not influenced by billionaire owners or shareholders. This means we can give a voice to those less heard, explore where others turn away, and rigorously challenge those in power.We need your support to keep delivering quality journalism, to maintain our openness and to protect our precious independence. Every reader contribution, big or small, is so valuable. Support The Guardian from as little as $1 – and it only takes a minute. Thank you. Share on Twitter Topics Read more Adam Goodes is one of the greatest footballers of our generation. This is irrefutable – 372 games, two Brownlow medals, two premierships and a four-time All-Australian. Adam Goodes is a proud Indigenous Australian. This too, is irrefutable – and it was all we could do to humiliate and howl him into retirement.Sport, at its very best, remains one of the most powerful drivers for progressive change in this country. It is one of the few areas in Australian life where from time to time we have paused to consider our prejudices. Sadly, during the period covered in The Final Quarter – a film on the final three years of Goodes’ playing career when he became a lightning rod for frenzied public debate – the silence required for self-reflection was hard to find amid the booing and media pile-on. Sydney Swans Share on Messenger Prior to the SCG game, Swans chairman Andrew Pridham said: “I believe that the events of the last week [that led to Goodes stepping out of the game] are a seminal moment in our history – perhaps it was a moment that our nation needed to have.”It echoed the words of Stan Grant – who is also releasing a film about Goodes – that are included in the documentary and bear repeating. “There is a moment here where we can have a real conversation about how Indigenous people feel. About what Adam hears when he hears those boos. That’s the conversation we can have.” Share via Email Share on Facebook The documentary is another reminder that even a game that has just celebrated its Indigenous round still grapples with matters around race, with history, and a whole gamut of things we find difficult to talk about.The documentary’s director, Ian Darling, says he hoped people would engage with the film and that it would show we are all capable of self-reflection. “The feedback I’ve had from those close to the game, including players and coaches, is that they never really understood the extent of what Adam had to deal with,” he tells Guardian Australia. “It’s taken us all by surprise and of course the person who felt every bit of it was Adam.”Darling says it is easy to rewrite history and even easier to rewrite modern history where often only the loudest voices cut through. The documentary demonstrates that even in the face of intolerable abuse, Goodes always maintained his dignity and grace.“When all this was happening, I was angry, upset and confused. And before I knew it Adam had left the game and the commentary had moved on to the next thing, when for many the issue never left us,” says Darling. “I never fully appreciated how much Adam spoke in the middle of all this. Week in, week out Adam was out there talking about Indigenous issues. The problem wasn’t what Adam said, but that we didn’t listen. I hope this is a second chance for us to listen.”The Final Quarter is an uncomfortable reminder that in calling out racism and calling on his own cultural heritage and Aboriginal self in a proud and powerful way, Goodes became a target of those who believed the price of admission included the shallow, self-entertainment of mob bigotry. Rather than being viewed as part of the Winmar-Long cultural continuum, moments such as Goodes’ “war dance” turned lazy rightwing shock jocks into pant-pissing pundits who found the imaginary spear-throwing to be offensively violent.But occasionally the light shines through a dishwater sky, where only those with the hardest of hearts would not swallow hard. Such a moment is the show of support for an absent Goodes at the SCG in August 2015, when Sydney fans stood and cheered at the seven-minute mark of the third quarter, acknowledging Goodes’ guernsey number of 37.“I thought, wouldn’t it be wonderful to finish the film here,” says Darling. “But the next week, here we go again with the booing – it was a moment, not a movement.” We blew it.The Final Quarter opens with the bluff machismo of a former footballer whose commitment to his role comes across as a physical undertaking rather than an intellectual or emotional one. It is repeated towards the end of the documentary – a symbol that for everything that happened, nothing much has changed.Many within the AFL who have seen the documentary have acknowledged they should have done more to speak out against the booing that drove a proud man into retirement the year after he was awarded Australian of the Year. This is a start.Adam Goodes is one of the greatest footballers of our generation. But his greatness will not be viewed in the context of his on-field achievement, rather through the lens of his broader humanity. The game is fortunate to have had a man of Goodes’ stature represent it – and given the events this documentary reminds us of, undeservingly so. Darling’s film holds a mirror to one of the most shameful moments of our game’s history (and reminds us that there are many in Australian public life whose egos are too large to accept the reflection), but it also gives us another chance for self-examination, which is all that Goodes asked of us.Here’s hoping that for the game, for our country, that The Final Quarter represents a movement and not a moment. Since you’re here… Facebook Adam Goodes finally got a chance to farewell Swans fans in 2016. Photograph: Cameron Spencer/Getty Images 4 out of 5 stars. Share on WhatsApplast_img read more