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Accenture credit services: Summary

Providing end-to-end mortgage processing capabilities and helps clients become high-performing institutions.




Watch this video to see how Accenture Credit Services has delivered high performance, since launching in August 2011, and defined a new mortgage industry standard for efficiency and service. Providing digital technology, mobile solutions, e-closing and e-signatures, real-time business intelligence and predictive analytics, Accenture Credit Services is transforming the mortgage experience of the future.

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Client Case Studies


Industry-leading expertise in credit services

Terry Moore
Global Managing Director, Accenture Credit Services

As global managing director of Accenture Credit Services, Terry leads Accenture’s consulting, technology and business process outsourcing (BPO) services for institutions in the residential and commercial mortgage, leasing and automotive finance industries globally. In this role, he is responsible for defining and executing the global vision and go-to-market strategy of Accenture Credit Services, including the idea of Accenture moving into the Mortgage BPO business through the 2011 acquisition of Zenta. Terry was previously managing director of the Accenture banking practice in North America, which serves major retail and commercial banks throughout the United States and Canada. He has over 20 years of experience leading large-scale business and technology transformations, advising banks and lenders on business strategy, market trends and board-level issues. Since joining Accenture in 1991, Terry has consulted for most of the top banks in the United States, as well as leading financial institutions in Canada, Europe and Asia.

Ghazale Johnston
Managing Director, Accenture Credit Services - North America

As the lead for Accenture Credit Services in North America, Ghazale is responsible for bringing Accenture’s consulting and systems integration services to the residential and commercial lending market. Since 1997, Ghazale has assisted many of the top 20 US banks in both defining and implementing their strategic lending initiatives. She has led multiple, large-scale mortgage transformation programs focused on implementing new origination and servicing systems. Ghazale is experienced in defining target lending operating models, helping top lenders build out business and technology implementation roadmaps, and advising on the selection and use of industry-leading lending applications. She has authored multiple research and thought leadership pieces on behalf of Accenture Credit Services and serves as an expert advisor to mortgage clients across North America.

Henry Santos
Managing Director, Residential Mortgage Services

Henry is responsible for Accenture Credit Services Residential Mortgage business, including origination, fulfillment, servicing and default. In this role, Henry defines the strategy, leads sales, advises clients and manages client relationships. Prior to joining Accenture as part of the acquisition in 2011, Henry led the Residential Mortgage Services Group at Zenta. Prior to that, Henry founded Performance Physics, an international training, consulting and professional services organization. Previously, Henry also served as Chief Learning Officer for Financial Service Solutions, a provider of loan fulfillment outsourcing.

Colette Prior
Managing Director, Commercial Services

Colette Prior is a Managing Director in Accenture’s Credit Services division and is responsible for the division’s commercial credit practice. This team provides commercial real estate analytical and support services for the full life cycle of a commercial real estate, including CRE loan origination, underwriting capabilities, credit risk management functions, loan servicing support, portfolio management, lease administration, CRE accounting services and fund accounting. She has over 18+ years of experience in the commercial real estate and mortgage industry and has worked extensively in the debt and equity support market for CRE assets and portfolio risk management sectors. Prior to joining Accenture, Colette was Vice President of CMBS Portfolio Management at JPMorgan Chase. As head of the CMBS Portfolio Management division she was responsible for the structuring and risk management of the firm’s commercial loan portfolio and for Rating Agency, Investor and securitization due-diligence.

David Jones
Managing Director, Plans and Controls

David manages performance data and analytics, contract governance, cost modeling analytics and right shore fulfillment optimization for Accenture Credit Services. His team oversees MIS and the management of logistics, reporting and analytics. He is also responsible for evaluating and executing feasibility analyses for prospective business development and strategic opportunities. David joined Zenta in 2003 as part of its Capital Markets team. During his time at Zenta, he has served as the CFO / COO for Zenta’s Real Estate Services Group. More recently, beginning in May of 2009, David led the Residential Mortgage Services Operations for Zenta during its development and build-out through October 2010.

Michael Detwiler
Managing Director, Accenture Credit Services (formerly CEO, Mortgage Cadence)

Mike has joined the Accenture Credit Services team following Accenture’s recent acquisition of Mortgage Cadence. During his time with Mortgage Cadence, Mike led the strategic direction, product management, and sales and operations. In addition, Mike has worked with many of the top 100 US mortgage lenders, as well as the top lenders in banking and credit union mortgage segments. Mike is seen as a thought leader in the mortgage space and has built his career around using technology to enable business innovation.

Elena Mazzotti
Accenture Credit Services in Europe, Africa and Latin America

Elena leads Accenture Credit Services in Europe, Africa and Latin America where she provides institutions in the residential mortgage, corporate lending, consumer finance and leasing businesses with tailored consulting and systems integration solutions. Elena is also a director in Accenture’s Italian banking practice, which serves major banking groups in Italy and emerging markets such as Turkey, Poland and the Czech Republic. She has over 14 years of experience advising global banks and credit institutions on market trends, business transformation and service model re-engineering solutions across the credit value chain.

Mike Abel
Accenture Credit Services – Asia-Pacific

As the lead for Accenture Credit Services in APAC, Mike is responsible for bringing Accenture’s consulting, outsourcing and systems integration services to the residential and commercial lending market. Mike has more than 20 years of professional experience in financial services, outsourcing and technology. During that time, Mike has worked as both a consulting, helping major banks transform their operations; as a senior executive in businesses providing outsourced mortgage processing services; and as a senior technology executive. Mike is experienced in shared service creation and BPO transformation, operating model creation, building out business and technology implementation roadmaps, and advising on the selection and use of industry-leading lending applications.

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