Mortgage Workflow PartnersLocked Proposal

1st Summit Bank — HELOC Pain Killer

A Lights-Out Automated HELOC Workflow on Encompass® — 90 Days, Start to Finish

Prepared by
Mortgage Workflow Partners
Confidential · September 2026
Complete Project Task List
See the full work plan across every 1st Summit team — and the client commitments that protect the 90-day timeline.

Project Objective

Build an end-to-end automated HELOC workflow on 1st Summit Bank's Encompass® platform — from borrower self-serve intake on Consumer Connect through automated disclosures, enhanced conditions, and hands-off milestone handoffs to funding. HELOC-only. Quick win. 90 days from start to finish.

Project Duration
90 Days
Fixed Investment
$20,000
Scope
HELOC Only

North Star

Ship an end-to-end automated HELOC on 1st Summit's Encompass® — from borrower self-serve intake through Sales working in Encompass Web to operators watching every status from a single Desktop dashboard. HELOC only. 90 days from start to finish.

What We're Delivering

Consumer Connect HELOC intake

New web input form creates the Encompass® loan file on submit and pulls credit immediately. Borrower communicates through their secure portal.

Automated notifications & document requests

Notification templates wired to milestones; eFolder document requests fire automatically at the right milestone.

Enhanced Conditions — automated

HELOC-specific conditions trigger on field changes (lien position, sub-product, FICO band, DTI) — no processor hand-curating.

Automated initial disclosures

Disclosure package auto-generates at submission, routes to the borrower portal, delivery date captured for compliance.

Hands-off milestone handoffs

Milestone-to-milestone triggers write the next action without an admin — no "kick the file over" steps.

Sales HELOC workflow in Encompass Web

Loan Officers run applications and follow up on status, tasks, and conditions from the browser — no Desktop plug-in required.

HELOC Dashboard in Desktop — up to 9 snapshots

At-a-glance HELOC dashboard in Encompass Desktop with up to 9 live snapshots covering every status of the HELOC process.

90-Day Plan — Three 30-Day Sprints

Phase 1: Discover & Build

Days 1–30
  • Capture the current HELOC workflow with the 1st Summit operations team — every manual handoff, every condition, every touchpoint
  • Design the future-state HELOC: Consumer Connect intake map, Enhanced Condition library, disclosure-trigger model, milestone diagram
  • Build the new Consumer Connect HELOC web input form that creates the Encompass® loan file on submit
  • Wire Notification Templates to milestones (borrower "welcome / action needed" on submission, processor alert on initial UW)
  • Configure eFolder document requests to fire automatically at the right milestones (bank statements, paystubs, mortgage statement, etc.)
  • Build the HELOC workflow in Encompass Web so Sales can run easy applications and follow up on status, tasks, and conditions in the browser
  • Build the HELOC Dashboard in Encompass Desktop — one view, up to 9 live snapshots covering every status of the HELOC process
  • Update the Encompass® Desktop workflow to support Processing, Underwriting, and Closing in an improved flow aligned with this HELOC project

Phase 2: Test & Refine

Days 31–60
  • Configure HELOC-specific Enhanced Conditions to trigger on field change (lien position, sub-product, FICO band, DTI)
  • Automate initial disclosures — eFolder package auto-generates at submission, eDelivery routes to borrower portal, disclosure-delivered date captured for compliance
  • Wire milestone-to-milestone triggers so each handoff writes the next action without an admin touch (Origination → Submitted → Initial UW → Disclosures Out → Appraisal → Final UW → CTC → Funding → Post-Close)
  • UAT with 1st Summit loan officers against test files — track dead-ends and edge cases
  • Iterate: tune enhanced conditions, fix disclosure routing, validate notification sequencing

Phase 3: Go-Live & Prove It

Days 61–90
  • Production go-live — lights-out HELOC workflow running 1st end-to-end on Encompass®
  • Hypercare — daily monitoring and in-flight tuning
  • Post-go-live measurement: HELOC cycle time, disclosure-delivery latency, condition cure rate, borrower NPS
  • Document the locked HELOC workflow for 1st Summit's Sales, Processing, and Underwriting teams

What's Included

New Consumer Connect HELOC web input form — creates loan file on submit, pulls credit immediately

Automated notifications and eFolder document requests wired to milestones

HELOC-specific Enhanced Conditions automated on field change (lien position, sub-product, FICO, DTI)

Automated initial disclosures — eFolder package, eDelivery routing, compliance date capture

Hands-off milestone-to-milestone triggers across the full HELOC lifecycle

UAT with 1st Summit loan officers against test files

Production go-live and hypercare with daily monitoring

HELOC workflow in Encompass Web for Sales — application intake, status, tasks, and condition follow-up

HELOC Dashboard in Encompass Desktop — every status of the HELOC process, up to 9 snapshots in one view

Post-go-live measurement and locked workflow documentation for 1st Summit teams

Investment

$20,000fixed · 90 days · HELOC only

One fixed price covers all three sprints — discovery and build, test and refine, go-live and proof — with MWP guidance and hands-on support delivered alongside the 1st Summit Bank team through project completion.

Locked and ready to execute

This proposal is the engagement 1st Summit has chosen to buy. Upon approval, MWP will schedule the kickoff within the next sprint cycle.

What 1st Summit Gets

A fully-automated HELOC workflow on Encompass® — borrowers self-serve in Consumer Connect, Loan Officers run applications in Encompass Web, and operators watch every status from a single Desktop dashboard with up to 9 live snapshots. HELOC only. Built and proven in 90 days.

Confidential — Prepared for 1st Summit Bank by Mortgage Workflow Partners · HELOC Pain Killer · 90 Days · $20K Fixed