1 Customer

  • Mortgage origination division of Top 25 US Bank

2 Business Situation

  • Multiple challenges in Loan Underwriting:
    • Delays in underwriting
    • Poor quality loans
    • Non adherence to changing underwriting guidelines

3 Solutioning

  • Reengineered fulfillment process to streamline handoffs with different departments
  • Monitoring loans between Conditional Approval and Full Approval to enhance pipeline management

4 Execution

  • All underwriting request/queries channelized to a dedicated mail box for quicker response
  • Implemented change management procedure to help adhere to changing regulations to improve loan quality

5 Value Delivered

Increased straight-through processing
  • 14% improvement in underwriting quality
  • Reduced turn time for underwriting approval

Thank you for the speed in which you ramped underwriting capacity to current levels. I appreciate your partnership!

Head of  Consumer & Mortgage Credit

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