Established in 1992, NCCI’s services continue to deliver nationwide actionable data through our proprietary platform to create the highest return on investment for our clients. Like our clients, we care greatly about headline, reputational, compliance, and regulatory risk. We are licensed, bonded, and certified. We partner with and collaborate with our clients, never taking a one-size fits all approach
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In the interest of reducing costs, many loan servicers have turned to automation to deal with delinquent borrowers. This is less effective than face-to-face interactions that come with a door-knock service. This means that getting borrowers back on track will be more difficult, and it will take longer.
But that’s not the biggest risk lenders take when they turn their business over to a machine.
It’s easy to understand why they are doing it. Consumers have become addicted to their communication devices. If the servicer sends them a text, they’re likely to see it. A notification flag on an app icon is very hard for most people to ignore.
After all, we’re living in an on-demand world; expectations have changed. Whether it’s groceries, rideshares, or dinner delivered in 20 minutes, consumers have grown used to tapping a button and watching things appear.
But while this model works for food and transportation, it’s a dangerous mindset when applied to financial services, especially collections, field inspections, and borrower outreach.
At NCCI, we’ve had front-row seats to the rise of “Uber-style” inspection models in lending. They promise speed, scale, and affordability and have gained a foothold on both the front-end of the mortgage or equipment financing transaction, as well as for default servicing.
But the reality? They often cut corners, miss risk indicators, and erode borrower trust. That’s why real field service, performed by trained professionals, still matters more than ever.
Convenience is a Trap in a Changing Industry
The financial services industry is currently under pressure from all sides. Margins are shrinking. Compliance requirements are tightening. And borrower expectations are higher than ever.
In this environment, cutting corners on field work might seem like a short-term win, but it’s a long-term risk.
Imagine sending an underpaid, undertrained gig worker to deliver a critical loan document. Or relying on inconsistent drive-bys to confirm whether disaster damage has occurred. It’s not worth it. Your borrowers and your regulators expect more.
This is especially true in times of disruption, such as natural disasters or economic downturns. In these moments, field service becomes more than a task; it becomes a touchpoint for reassurance, accountability, and trust-building.
When it comes to inspecting collateral, verifying occupancy, or conducting loss mitigation outreach, there’s no substitute for the precision, professionalism, and accountability that come with an experienced field representative.
Real Service Requires Real People
At NCCI, we don’t outsource responsibility. Our field visits are completed by professionals who are vetted, trained, and equipped to represent your brand with integrity.
Whether we’re conducting a disaster inspection, delivering documents, or verifying occupancy, we bring more than a clipboard; we bring credibility.
Our process includes time-stamped photo documentation, signed borrower contact reports, escalation protocols for red flags, and clear, standardized reporting that integrates into your workflow.
We understand the regulatory and reputational risk lenders face. We’ve built our field service model to reduce both.
Let’s talk about how NCCI’s nationwide network of trained field professionals can help you reduce risk, improve borrower engagement, and meet regulatory standards, without cutting corners. Visit www.ncciservices.com to start the conversation
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