Community Bank Mortgage Operations · Encompass® Transformation
Reimagine 1st Summit Bank's mortgage origination process end-to-end — implementing automation wherever practical while leveraging existing Encompass® functionality to create a more efficient, scalable, and frictionless mortgage experience. The initiative will redesign the borrower journey, modernize front-end customer interactions, automate qualification and decisioning, establish differentiated service models, and strengthen quality controls.
Everything outlined in this proposal is achievable through native Encompass® and Encompass® Partner Connect — no custom API development, no external plug-ins. The path from borrower to underwriter can be dramatically shortened through automation of qualification, credit, and conditions while using WorkflowCoach™ to govern and document every step of the redesigned process.
Pre-Qualification, Pre-Approval, and Full Application paths built natively in Encompass® Consumer Connect using the Application Customization Tool — dynamic, responsive borrower experience with no external development required.
Xactus (current credit vendor for mortgages) supports Encompass® Partner Connect automation. Soft-pull and hard inquiry capability can be automated — zero API development, pay-per-use through ICE's network.
Automated Enhanced Conditions driven by AUS output (DU/LP), loan type, and product. Conditions auto-generated and pre-populated before UW touches the file — eliminating the pre-UW QA bottleneck.
Partnering with ICE DDA, Plaid, and other Provider Connect vendors for electronic VOI/VOA. Borrowers opt out of document upload when electronic verification succeeds — rep & warrant relief on those calculations.
Two distinct processing tracks: White Glove (dedicated support, expedited timelines, priority UW submissions) and Standard (shared resources, defined SLAs). Routing automated based on loan complexity and borrower profile.
Every workflow decision, change, and approval documented in WorkflowCoach™. Team owns the workflow. UAT built into every change cycle. SOC-1 control framework established through documented workflow governance.