Lenders can make substantial cuts in their operating costs by outsourcing certain loan origination functions, but they must be careful to invest in training and pre-migration testing before moving forward with the effort, according to Gary Clark, executive vice president for technology at IndyMac Bank. Addressing the Mortgage Bankers Association’s Technology Conference in Orlando, Clark spoke candidly about what his company has and hasn’t done well as it has subcontracted many functions to companies in…