About Cogent QC Systems

What We Do: Award-Winning Software

Cogent QC Systems, a division of Cogent Economics, Inc., develops industry-leading  software for loan quality control and compliance auditing.

Mortgage Technology Top 25 Vendor, Cogent has focused since 1991 on developing award-winning technology for loan quality control, including mortgage origination quality control (QC) software and servicing quality control software.  Today, Cogent QC Systems are in use by some of the largest lenders in the country for quality control and compliance auditing of auto, consumer and mortgage loan originations and servicing.

The Cogent QC Systems suite has been deployed by over 100 clients, including most of the top lenders in the United States, and has guided the loan quality control of over $3 trillion in mortgage originations and 4 million servicing records. Widely recognized as the best mortgage quality control and mortgage compliance software available, Cogent QC Systems have won Mortgage Technology’s Lasting Impact Award” (2011) and “Fix-It Award” (2002).

Our success in helping mortgage lenders optimize quality and profitability is based on unique capabilities and innovations, including our pioneering statistical methodology, reporting methods, workflow integration, and specialized modules. As stand-alone applications, Cogent QC Systems bring the best available technology to quality control and compliance departments; in combination, when deployed across the enterprise, they provide a flexible and robust platform on which to standardize loan auditing, quality control and compliance activities.

Who We Are: Management

With decades of experience in the mortgage finance sector, Cogent’s management team brings both breadth and depth to the development of Cogent’s award-winning software.

Hakki C. Etem – CEO

Hakki C. Etem is the founder and CEO of Cogent Economics, Inc. Founded in 1991 and based in San Francisco, Cogent specializes in enterprise software for mortgage quality assurance and compliance. Cogent is recognized as the industry leader in the application of statistical analysis to mortgage quality improvement.

Prior to founding Cogent, Mr. Etem was a senior management consultant with Coopers & Lybrand, with a focus on real estate economics and mortgage risk management. He previously held various management positions with large national institutions in the financial services and real estate sectors. He is an active member and past chair of the Quality Assurance Committee of the Mortgage Bankers Association (MBA). Mr. Etem is a frequent speaker at MBA and other professional conferences.

Mr. Etem holds a B.A. in History from Cornell University.

James C. Robinson – President

James Robinson has over 25 years’ experience in mortgage banking and structured finance. Before joining Cogent as President in 1997, Mr. Robinson was Director of Consulting for Mortgage Information Corporation, a national database and risk management consulting firm. He had previously been Senior Vice President and Chief Credit Officer for ITT Federal Bank, and First Vice President for First Nationwide Bank, where he was in charge of mortgage quality control, credit policy and portfolio management.

In the 1980’s, Mr. Robinson was a Vice President for Mercantile Capital Corporation, an investment banking firm where he specialized in structured financing for income properties, and a Portfolio Manager for Industrial Indemnity Company, a AAA-rated financial guarantee provider for real estate securitizations.

Mr. Robinson’s education includes an M.B.A. from the University of California, Berkeley, with emphasis in finance and real estate. He has written numerous articles and case studies on mortgage finance and risk management, and has been a frequent speaker at industry conferences.

Kaan Etem – Senior Vice President

Kaan Etem has overall responsibility for Cogent products and solutions.  He has over 20 years experience in the enterprise/B2B technology sector.  Drawing on his experience in product management, product marketing, professional services, training and support, he has been instrumental in migrating clients to the CogentQC.NET platform, expanding beyond the mortgage quality control sector, and turning CogentQC.NET into an enterprise solution for loan auditing, risk management and business process improvement.

Prior to Cogent, Mr. Etem worked with several technology companies on rules-based business process management, collaborative search, online learning management systems, and global business training.  He was also co-founder of Internet Finance Corp, an early personal finance portal.

Mr. Etem has an MBA in Finance from the University of Colorado (Boulder).

Bob Wong – Senior Vice President

Bob eats, sleeps, codes.