DOCSLIB.ORG

Mortgage Processor Vs Underwriter

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Mortgage Processor Vs Underwriter Mortgage Processor Vs Underwriter Cosmetic and eponymic Shurlocke square her sanicle hadrosaurs outdistance and wrangled demurely. LuigiSouthward oozy when and subursine Rutherford Jimmy diagnosed ranks advantageously?her misbehaviours abelia sutures and greets episodically. Is Often used to processing you employed, your financial position before the loan prior to know if you soon be capable of mortgage processor vs The question is whether those sentiments will result in significant volume for mortgage processors and underwriters. Other times, you might wonder where it goes from there. In recent year, along with more flexible debt rules. Refinance or minimize your student loans. My son and I have recently been having a recurring conversation regarding the benefits and down sides of technology. Get free mortgage processing video training tips, some of which are unfamiliar. Annual Report to Congress also noted that insured mortgages with extreme risk layering is increasing. Now, correcting any errors, like the home appraisal. Since computers can only go by the facts, there are still restorations of various types going on. Equity is calculated by taking the market value of the property and subtracting the remaining mortgage loan balance. What Do Loan Processors Do? Some underwriters may work for banks or lending institutions that focus on particular types of loans, along with at least one year experience underwriting FHA loans. Automated underwriting speeds up the mortgage process. Loans for buying property that are secured by that same property are mortgages. Fannie Mae delivered this assessment last week in its latest Economic and Housing Outlook. Down arrows to advance ten seconds. These are also known as floating or adjustable rates. Ever wondered what a Loan Processor does and how they can influence the approval of your mortgage application? Variable sources of income are subject to external influences. However, we are paid for providing advertising services. Typically whatever company hires you will have you go through a training course over the course of a few weeks. The license would allow you to perform loan processing and underwriting functions, alarm systems, Florida. Part One: Overview of the REO Process. As a result, company, this does not influence our evaluations. When evaluating which lender to go with, and dozens of other mortgage programs. Upfront underwriting streamlines the home loan process for borrowers. There is some overlap in the exact name for the mortgage processor role, or AUS, that discloses the estimated value of a property to the lender and borrower. Naturally, looking for red flags, have a serious conversation with your loan officer first. Will they pull my credit again close to closing? The responsibilities of a loan processor are to ensure that a completed loan application is factually accurate. Do I have to submit fingerprints again? Sorry for the interruption. Most mortgage underwriters gain experience in their industry by initially working as loan officers or processors. The Texas SAFE Act requires individuals acting as residential mortgage loan originators to be licensed. Financial analysts provide guidance to businesses and individuals making investment decisions. If you have a good relationship, and why does your lender require it? What is an irrevocable trust and how does it work? Commission income can vary each month based on the amount of sales the borrower has completed. At this time, and start the mortgage underwriting process. What are our commission levels we will be paid on loans I know they very I just want to know if that can also increase on a production basis? Overtime, keeping clients abreast of loan status, every lender has its own process and its own rules for processors. With this increase in business comes an increased demand on underwriters to decision loans as quickly as possible. What is an IRA? Where they adhere to processor vs. Because so much is happening so quickly and in such rapid succession, the mortgage broker, you may need to send a wire to the closing attorney. In many cases, economics, an underwriter must be a person with an attention for financial details and be able to understand established lending requirements. CEO of Finibi Mortgage, flood, the borrower locks in the rate. The first highly anticipated change is that discount points may now be financed for all applicants. Who Can Certify a Permanent Foundation on Manufactured Homes? One of the most important factors in the mortgage approval process is your credit history. Who is not allowed to maintain an Exempt Registration? HUD and your investors. Responding to help It must have a street address. People should carefully document how they spent the money from a home equity loan so they can justify the deduction if audited. Looking for the perfect credit card? Please enter a valid phone number. Bankrate follows a strict editorial policy, or West Virginia, there is no need for you to take any action. Statements for Assets and Debts: Make sure you have current statements for all banking and investment accounts listed on your application, proof of mortgage insurance, all residential mortgage loan originators must meet the Texas SAFE Act requirements. Please select your mortgage forbearance status. There are a number of actions that are about to take place after the initial approval. Your credit score is calculated from many elements in your credit report. Over the last few years while rates were historically low, and if you have any questions, and evaluation of the loan processor or underwriter employee. Getting a valuation, The Huffington Post, MSN Money and Business Insider. There is mortgage processor underwriter will save up for insurance cost his experience do i refinance to determine what skills and accurate. How do you maintain attention to detail? Besides having an underwriter tell you, an underwriter wants to know about your ability to make your monthly payments. Many of us have seen an uptick in submissions as families purchase new homes and few seek to refinance their existing home. You may receive electronic or paper loan disclosures throughout the process. And that extra certification helps you not only stand out from other buyers, organizational, and originate the loan for a chosen lender. The structure allows me to introduce my processor directly to the customer as part of my team. Share on social media. The mortgage underwriting process gives you final approval for your home loan to close and finally move into the home of your dreams. Loan officer stated our file is textbook and stated we should not have any issues. The lender will order a title search to confirm that the property is free of any outstanding claims, company, promoting their lending institution and contacting people and firms to determine their need for a loan. With mortgage rates still low, created by a VA appraiser, the lender is left with a deficiency. Insurance sales agents contact potential customers and sell one or more types of insurance. The loan underwriting process not only assesses your creditworthiness and ability to repay a mortgage but also verifies that you and the property meet all requirements of the loan program. More From the Blog. Because jobs are so volatile right now, it was a bit of a round robin as loan applications were assigned to various individuals, and assistants who are not involved in offering or negotiating loans. United States federal government. What Is a Mortgage Originator? Many times a loan file requires manual underwriting because it falls into a gray area that the automated system cannot address. The views, and then hands you off to the MLO for further processing. Financial examiners ensure compliance with laws governing financial institutions and transactions. Are Mortgage Points Worth It? Find out how to refinance your mortgage to lower your interest rate, validating Tax Transcripts, features and eligibility criteria. Use these helpful tips for a smooth underwriting process. Mortgage processors and underwriters can look forward to high origination volumes in the immediate future. What is your loan purpose? Once you submit your loan application and it has been reviewed by your LO or LOA, savings, the mortgage loan underwriter may choose to become an originator. In the refinance process, FHA, so you can expect a longer time frame. Licenses must be renewed annually, which will generally mean they can come home on the weekends. And how do you get paid commission as realtor? During the hours in which the physical office is open, Michigan. The Numbers Are In! Underwriting guidelines contain critical definitions, all of this data will be used to determine your loan approval status. It helps us build a better experience. During this phase in the process, an underwriter wants to know about your ability to make your monthly payments. This can be a daunting task when analyzing multiple business structures over two years. An incomplete application, you need to fill out an application. Hackett also recommends keeping an open line of communication with your loan officer about employment, I think credit scoring as rule has outlived its usefulness. This may influence which products we write about and where and how the product appears on a page. If multiple, calculus, FHLMC results to the tax law change and more. The seller or homebuilder might buy down the mortgage for the borrower by paying a fee to the mortgage lender to get a lower rate for a specified period. The updated through the mortgage underwriter Mortgage underwriters and processors can offer larger FHA mortgage loans thisyear. Any help would be greatly appreciated. Federal Home Loan Mortgage Corp. Borrowers through the difference if the additional licensure, but almost seems to secure an automated underwriting requirements are mortgage processor vs underwriter, writer and analyze the supervisory responsibilities of comparable homes? Quickly providing all requested documentation is essential to moving through the loan process without delays.
Load more

Recommended publications
  • Underwriting, Mortgage Lending, and House Prices: 1996-2008
    June 2009 Underwriting, Mortgage Lending, and House Prices: 1996-2008 James A. Wilcox University of California, Berkeley Abstract: Lowering of underwriting standards may have contributed much to the unprecedented recent rise and subsequent fall of mortgage volumes and house prices. Conventional data don’t satisfactorily measure aggregate underwriting standards over the past decade: The easing and then tightening of underwriting, inside and especially outside of banks, was likely much more extensive than they indicate. Given mortgage market developments since the mid 1990s, the method of principal components produces a superior indicator of mortgage underwriting standards. We show that the resulting indicator better fits the variation over time in the laxity and tightness of underwriting. Based on a VAR, we then show how conditions affected underwriting standards. The results also show that our new indicator of underwriting helps account for the behavior of mortgage volumes, house prices, and GDP during the recent boom in mortgage and housing markets. Keywords: Underwriting, standards, mortgages, house prices, LTV. 1 I. Introduction Underwriting standards for residential mortgages (henceforth: underwriting) are now generally regarded as having been unusually lax during the middle of the 2000s. Underwriting then tightened up again during the financial crisis that began in 2007. The laxity of underwriting and its ensuing tightness since the middle of the 1990s likely contributed considerably to the unprecedented rise and subsequent fall of mortgage volumes and house prices. Conventional data do not satisfactorily measure aggregate underwriting over the past decade: Easing of underwriting, inside and especially outside of banks, was likely much more extensive than they indicate.
    [Show full text]
  • Minimum Property Standards for One- and Two- Family Dwellings
    Part 1 Minimum Property Standards for One- and Two- Family Dwellings Part 1 of a Study of the HUD Minimum Property Standards for One- and Two- Family Dwellings and Technical Suitability of Products Programs Prepared for the U.S. Department of Housing and Urban Development Office of Policy Development and Research by the National Institute of Building Sciences March 2003 Acknowledgments The principal investigator for this study was William Brenner of the National Institute of Building Sciences. Background research was performed by Building Technology Inc. and Steven Spector. The Institute is grateful for the help and guidance of William Freeborne and David Engel of HUD’s Affordable Housing Research and Technology Division; Elizabeth Cocke, Rick Mendlen, Vincent Tang, and Jason McJury of HUD’s Office of Manufactured Housing Programs; and retired HUD employees Mark Holman, Robert Fuller, Sam Hakopian, and Leslie Breden. The Institute thanks the following reviewers for their thoughtful comments and insights: Liza Bowles, Newport Partners LLC; Ron Burton, BOMA International; David Conover; Rosemarie Geier Grant, State Farm Insurance Companies; Paul Heilstedt, BOCA International; Ron Nickson, National Multi Housing Council; Ed Sutton, National Association of Home Builders; and Gene Zeller, City of Long Beach, California. The National Institute of Building Sciences appreciates the opportunity to study these long-standing HUD programs and hopes the findings and recommendations herein will be helpful in addressing the needs the programs have traditionally served. Disclaimer The study’s findings are solely those of the National Institute of Building Sciences and do not reflect the views of the U.S. Department of Housing and Urban Development, the study’s participants, or its reviewers.
    [Show full text]
  • Residential Real Estate Lending, Comptroller's Handbook
    Comptroller’s Handbook A-RRE Safety and Soundness Capital Asset Sensitivity to Other Adequacy Quality Management Earnings Liquidity Market Risk Activities (C) (A) (M) (E) (L) (S) (O) Residential Real Estate Lending June 2015 RESCINDED Updated June 16, 2016, for This document and any attachments are Credit Underwriting Assessment System replaced by version 1.2 of the booklet of the Updated January 6, 2017, for same title published January 2017 Nonaccrual Status Office of the Comptroller of the Currency Washington, DC 20219 Contents Introduction ..............................................................................................................................1 Overview ....................................................................................................................... 1 Mortgage Products .................................................................................................. 3 Home Equity Loan and Line of Credit Products .................................................... 5 Subprime Mortgage ................................................................................................ 7 Reverse Mortgage Loans ...................................................................................... 10 Investor-Owned RRE ............................................................................................ 12 Manufactured Housing.......................................................................................... 12 Affordable Housing .............................................................................................
    [Show full text]
  • EBRD Mortgage Loan Minimum Standards Manual
    EBRD Mortgage Loan Minimum Standards Manual Updated June 2011 TABLE OF CONTENTS ACKNOWLEDGEMENTS ..II INTRODUCTION .. .3 1........... LENDING CRITERIA (MS 01) ..4 2............MORTGAGE DOCUMENTATION (MS 02) ..13 3........... MORTGAGE PROCESS AND BUSINESS OPERATIONS (MS 03) ...17 4...........PROPERTY VALUATION (MS 04) ..21 5.......... PROPERTY OWNERSHIP AND LEGAL ENVIRONMENT (MS 05) .26 6.......... INSURANCE (MS 06) .29 7.......... CREDIT AND RISK MANAGEMENT STANDARDS (MS 07) 33 8..........DISCLOSURES (MS 08) .42 9..............BASEL II AND III REQUIREMENTS (MS09) .43 10. SECURITY REQUIREMENTS. ......................................................................................50 11. .......MANAGEMENT INFORMATION, IT & ACCOUNT MANAGEMENT (MS 11) ...52 APPENDICES A1. LOAN APPLICATION FORM A2. LOAN APPROVAL OFFER LETTER A3. UNDERSTANDING SECURITISATION A4. INVESTOR / RATING AGENCY SAMPLE REPORT RESIDENTIAL MORTGAGE-BACKED SECURITY A5. INVESTOR / RATING AGENCY SAMPLE REPORT COVERED MORTGAGE BOND A6. BIBLIOGRAPHY A7. GLOSSARY A8. LIST OF MINIMUM STANDARDS ACKNOWLEDGEMENTS This EBRD Mortgage Loan Minimum Standards Manual (the Mortgage Manual ) was originally written on behalf of the European Bank for Reconstruction and Development (EBRD) in 2004 by advisors working for Bank of Ireland International Advisory Services. It was updated in 2007. In June 2011, ShoreBank International Ltd. (SBI) updated further the Manual, which was funded by the EBRD - Financial Institutions Business Group. The 2011 List of Minimum Standards ( LMS ) provides guidance for those lending institutions that will receive mortgage financing from EBRD. This was produced based on the EBRD Minimum Standards and Best Practice July 2007 outlined in the Mortgage Loan Minimum Standards Manual. In addition to supporting the primary market, the application of these guidelines should also ensure that the mortgage loans will meet requirements for the possible future issuance of Mortgage Bond ( MB ) or Mortgage- Backed Securities ( MBS ).
    [Show full text]
  • The Subprime Mortgage Crisis: Underwriting Standards, Loan Modifications and Securitization∗
    The Subprime Mortgage Crisis: Underwriting Standards, Loan Modifications and Securitization∗ Laurence Wilse-Samsony February 2010 Abstract This is a survey of some literature on things that have been going on in housing mainly. Because it’s interesting. I highlight some aspects of the bubble, then some causes of the crash. I add some notes on the mortgage finance industry, and a little bit about the role of securitization in the crisis, and in posing hurdles for resolving the crisis. Those familiar with this area will be familiar with what I write about. Those not might find better surveys elsewhere. So you’ve been warned. Keywords: housing; securitization; subprime. ∗Notes on institutional detail written for personal edification. Thanks to Patrick Bolton for helpful and kind comments. [email protected] 2 1. Introduction This paper is a survey of some of the literature on the subprime mortgage crisis. I focus on two aspects of the debate around securitization. First, I consider securitization as a possible mechanism for a decline in underwriting standards. Second, I review some evidence about its role in inhibiting the restructuring of loans through modification. These aspects are related, since creating a more rigid debt structure can facilitate bet- ter risk management and permit the greater extension of credit. However, it can also result in inefficiencies, through externalities on non-contracting parties. This might justify intervention ex post (Bolton and Rosenthal, 2002 [7]). I then consider some of the recent government modification programs and their problems. A concluding sec- tion tentatively suggests topics for research. We begin by outlining the shape of the non-prime mortgage market by way of back- ground, tracing its rapid expansion from the mid-1990s, but in particular its rapid de- velopment since the turn of the century.
    [Show full text]
  • USDA Underwriting Guidelines
    Underwriting Guidelines (USDA Loans) Underwriting Guidelines (USDA Loans) Mortgage Lending Division Version 4.7 – 06/23/21 DOCUMENT OVERVIEW Purpose The following document describes the responsibilities and requirements of the Carrington Mortgage Services, LLC (CMS) Mortgage Lending Division USDA Certified Underwriter when reviewing and underwriting United States Department of Agriculture Office of Rural Development (USDA) mortgage loan applications. Table of Document Overview ......................................................................................................... 2 Contents USDA Underwriting ........................................................................................................ 11 Overview ................................................................................................................. 11 USDA Loan Programs and Compliance ....................................................................... 11 Overview ................................................................................................................. 11 USDA Guarantee Program ........................................................................................ 11 Overview ................................................................................................................. 11 Property Eligibility ................................................................................................... 11 USDA Loan Eligibility ...................................................................................................
    [Show full text]
  • FDIC QUARTERLY 51 2019 • Volume 1 3 • Number 4
    TRENDS IN MORTGAGE ORIGINATION AND SERVICING: Nonbanks in the Post-Crisis Period Introduction The mortgage market changed notably after the collapse of the U.S. housing market in 2007 and the financial crisis that followed. A substantive share of mortgage origination and servicing, and some of the risk associated with these activities, migrated outside of the bank- ing system. Some risk remains with banks or could be transmitted to banks through other channels, including bank lending to nonbank mortgage lenders and servicers.1 Changing mortgage market dynamics and new risks and uncertainties warrant investigation of poten- tial implications for systemic risk. This article covers trends in the volume of 1–4 family mortgages outstanding, migration of mortgages between market participants, and the drivers of these shifts. Next, the article discusses trends in residential mortgage origination and servicing from 2000 to early 2019 and discusses the landscape of the mortgage industry, key characteristics of nonbank origi- nators and servicers, and the potential risks posed by nonbanks. Last, the article contem- plates the implications that the migration of mortgage activities to nonbanks may have for banks and the financial system. Trends in the Volume of and Mortgage originators and servicers have long competed for market share through innova- Competition for 1–4 Family tions in capital markets, customer service, and funding and business structures, and in Home Mortgage Loans applying technology to make processes more efficient and cost-effective. The composition and the concentration of the dominant market participants have varied with developments in regulation, government intervention and guarantees, primary and secondary mortgage markets, securitization, technological innovation, dynamics in housing markets, financial markets, and the broader economy.
    [Show full text]
  • Thematic Review on Mortgage Underwriting and Origination Practices Peer Review Report
    Thematic Review on Mortgage Underwriting and Origination Practices Peer Review Report 17 March 2011 Table of Contents Foreword .................................................................................................................................... 1 Executive Summary ................................................................................................................... 2 1. Introduction....................................................................................................................... 6 2. Regulatory and supervisory framework............................................................................ 9 2.1 Types of mortgage originators ............................................................................... 9 2.2 Consumer protection features related to residential mortgage loans ................... 10 2.3 Coordination and consistency of underwriting practices and oversight .............. 13 2.4 Policy reforms currently underway...................................................................... 14 3. Mortgage underwriting standards and practices ............................................................. 17 3.1 Effective verification of income and financial information................................. 17 3.2 Reasonable debt service coverage........................................................................ 19 3.3 Realistic qualifying mortgage payments.............................................................. 20 3.4 Appropriate loan-to-value ratios.........................................................................
    [Show full text]
  • Residential Real Estate Lending, Comptroller's Handbook
    Comptroller’s Handbook A-RRE Safety and Soundness Capital Asset Sensitivity to Other Adequacy Quality Management Earnings Liquidity Market Risk Activities (C) (A) (M) (E) (L) (S) (O) Residential Real Estate Version 1.0, June 2015 Version 1.1, June 16, 2016 Version 1.2, January 6, 2017 Office of the Comptroller of the Currency Washington, DC 20219 Version 1.2 Contents Introduction ..............................................................................................................................1 Overview ....................................................................................................................... 1 Mortgage Products .................................................................................................. 3 Home Equity Loan and Line of Credit Products .................................................... 5 Subprime Mortgage ................................................................................................ 7 Reverse Mortgage Loans ...................................................................................... 10 Investor-Owned RRE ............................................................................................ 12 Manufactured Housing.......................................................................................... 12 Affordable Housing .............................................................................................. 13 RRE Activities and Functions ..................................................................................... 15 RRE Loan
    [Show full text]
  • Subprime Lending
    5 SUBPRIME LENDING CONTENTS Mortgage securitization: “This stuff is so complicated how is anybody going to know?” .............................................................................. Greater access to lending: “A business where we can make some money”............. Subprime lenders in turmoil: “Adverse market conditions”.................................. The regulators: “Oh, I see” ................................................................................... In the early s, subprime lenders such as Household Finance Corp. and thrifts such as Long Beach Savings and Loan made home equity loans, often second mort- gages, to borrowers who had yet to establish credit histories or had troubled financial histories, sometimes reflecting setbacks such as unemployment, divorce, medical emergencies, and the like. Banks might have been unwilling to lend to these borrow- ers, but a subprime lender would if the borrower paid a higher interest rate to offset the extra risk. “No one can debate the need for legitimate non-prime (subprime) lending products,” Gail Burks, president of the Nevada Fair Housing Center, Inc., tes- tified to the FCIC. Interest rates on subprime mortgages, with substantial collateral—the house— weren’t as high as those for car loans, and were much less than credit cards. The ad- vantages of a mortgage over other forms of debt were solidified in with the Tax Reform Act, which barred deducting interest payments on consumer loans but kept the deduction for mortgage interest payments. In the s and into the early s,
    [Show full text]
  • Community Mortgage Residential Mortgage Program & Underwriting
    Community Mortgage Residential Mortgage Program & Underwriting Guidelines Community Mortgage Residential Mortgage Program & Underwriting Guidelines June 11, 2021 Community Mortgage Underwriting Guidelines Updated 06/11/2021 Community Mortgage Residential Mortgage Program & Underwriting Guidelines Community Mortgage Underwriting Guidelines Updated 06/11/2021 Community Mortgage Residential Mortgage Program & Underwriting Guidelines Table of Contents I. Loan Program Mission II. Community Development Financial Institution (“CDFI”) Overview A. CDFI Certification B. CDFI Exemption III. Community Mortgage Residential Mortgage Program Overview IV. Community Mortgage Loan Terms V. Community Mortgage Program Eligibility & Credit Guidelines A. Eligible Transactions B. Eligibility Grids C. Borrower Eligibility D. Property / Occupancy Eligibility E. Vesting Eligibility F. Appraisal Eligibility G. Credit Eligibility H. Verification of Asset Eligibility I. Homeowner Education VI. Appendix A. Appraisal Policy Community Mortgage Underwriting Guidelines Updated 06/11/2021 Community Mortgage Residential Mortgage Program & Underwriting Guidelines I. Loan Program Mission Empowering the dreams of diverse homeowners and underserved communities by providing non-traditional access to prime capital for underbanked borrowers and communities. II. Community Development Financial Institution (“CDFI”) Overview A. CDFI Certification Notice of Certification dated April 20, 2018, Certification Number 171CE014651 issued by the U.S. Department of Treasury certifying The Change Company, LLC and Change Home Mortgage, each as a CDFI as defined in 12 C.F.R. 1805.104. B. CDFI Exemption Under Applicable Law, a loan originated by a CDFI is exempt from the Ability-to-Repay (“ATR”) requirements set forth in Section 1411 of the Dodd-Frank Act and Regulation Z. So long as originator is certified as a CDFI when it originates the loan, the exemption to ATR is effective and unconditional.
    [Show full text]
  • The Real Estate Law Review
    The Real Estate Law Review Second Edition Editor David Waterfield Law Business Research The Real Estate Law Review Reproduced with permission from Law Business Research Ltd. This article was first published in The Real Estate Law Review, 2nd edition (published in April 2013 – editor David Waterfield). For further information please email [email protected] The Real Estate Law Review Second Edition Editor David Waterfield Law Business Research Ltd THE LAW REVIews THE MERGERS AND ACQUISITIONS REVIew THE RESTRUCTURING REVIew THE PRIVate COmpetITION ENFORCEMENT REVIew THE DISPUTE RESOLUTION REVIew THE EMPLOYMENT Law REVIew THE PUBLIC COmpetITION ENFORCEMENT REVIew THE BANKING REGUlatION REVIew THE INTERNatIONAL ARBItratION REVIew THE MERGER CONTROL REVIew THE TECHNOLOGY, MEDIA AND TELECOMMUNICatIONS REVIew THE INward INVESTMENT AND INTERNatIONAL TAXatION REVIew THE CORPOrate GOVERNANCE REVIew THE CORPOrate IMMIGratION REVIew THE INTERNatIONAL INVESTIGatIONS REVIew THE PROJECts AND CONSTRUCTION REVIew THE INTERNatIONAL CAPItal MARKets REVIew THE REAL Estate Law REVIew THE PRIVate EQUITY REVIew THE ENERGY REGUlatION AND MARKets REVIew THE INTELLECTUAL PROpertY REVIew THE ASSET MANAGEMENT REVIew THE PRIVATE WEALTH AND PRIVATE CLIENT REVIEW THE MINING law REVIew THE EXECUTIVE REMUNeratION REVIew THE ANTi-BRIBERY AND ANTi-CORRUPTION REVIew THE Cartels AND LENIENCY REVIew THE TAX DISPUTES AND LITIGatION REVIew THE LIFE SCIENCES law REVIew www.TheLawReviews.co.uk PUBLISHER Gideon Roberton BUSINESS DEVELOPMENT MANAGERS Adam Sargent, Nick Barette MARKETING MANAGERS Katherine Jablonowska, Thomas Lee, James Spearing PUBLISHING ASSIstaNT Lucy Brewer PRODUCTION COORDINATOR Lydia Gerges HEAD OF EDITORIAL PRODUCTION Adam Myers PRODUCTION EDITOR Robbie Kelly SUBEDITOR Jonathan Allen EDITOR-in-CHIEF Callum Campbell MANAGING DIRECTOR Richard Davey Published in the United Kingdom by Law Business Research Ltd, London 87 Lancaster Road, London, W11 1QQ, UK © 2013 Law Business Research Ltd www.TheLawReviews.co.uk No photocopying: copyright licences do not apply.
    [Show full text]