6. Breadth of Processes Activity Complexity/Rigidity Example: Email, instant messaging, personal task list Example: Document approval, vacation approval Example: Expense reporting, management dashboard Example: Extending LOB applications, supply-chain Individual Ad hoc Human Semi Structured System Highly Structured Fixed Process Collaborative Processes Transactional Processes Individual Team Cross-Team Enterprise App
7. Breadth of Processes Individual Ad hoc Human Semi Structured System Highly Structured Fixed Process Collaborative Processes Transactional Processes Common Design Tools Common Monitoring Tools Common Runtime Collaboration Server Process Server
8. Four Core Business Process Areas Origination Mortgage Application Lock / Float Underwriting Closing 3 rd Party Services Title Flood Credit Mortgage Insurance Secondary Products & Pricing Securitization Bulk Pool Funding Servicing Loan Setup Investor Reporting Default Reporting Loan Transfer
9. Loan Process Before Approvals Legacy Systems Manual Semi-Automated Customer Care Data Entry Fax Mgmt Paper Mail Support Calls & Inquires Fax Document Filing Copy Services Many LOB Apps Paper Reviews Third Party Services
10. The Goal Approvals Legacy Systems Manual Semi-Automated Customer Care Data Entry Fax Mgmt Paper Mail Support Calls & Inquires Fax Document Filing Copy Services Many LOB Apps Paper Reviews Third Party Services
11. Loan Process Automated Automated Process Customer Care Document Archival LOB Apps Underwriters Legacy Systems Loan Origination Portal Brokers Enterprise Loan Orchestrations Automated Approvals Third Party Services
20. Building for Compliance Auditing Throughout Master Loan Flow (MLF) Activate Loan Active Loan Save Lock Services Underwriting Close Registration Pricing Lock Approval Process Products and Pricing Flow (PPF) Rate Entry Approval Processes Rates Published Blackout Over Loan Document Library Loan Data Warehouse Secure Authentication Data Stored on the Server Data Retention Policies Simplified Views into the Process Data Sent Securely Integration Services Underwriting Rules Decision Engine Enterprise Loan Orchestrations (ELO) Automated Approvals Automated Approvals