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2018 February/March Flipbook PDF
2018 February/March
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VOL 5, ISSUE No. 3
February/March 2018
MORTGAGE minutes PHIL’S PERSPECTIVE TOP PROJECTS UPDATE We continue to evolve our priority projects based on input from the Branch and Area Managers, as well as our leadership team. These priorities are discussed each week and modified as needed. Our current Top 5ive projects are below: •
Workflow – Initial Disclosures
•
HMDA Reform
•
Sales Platform – Vantage
•
Residential Construction
Great progress and efficiencies are in the making with Workflow! As an organization, we have many goals for our continued success. Our current #1 strategic priority is efficiency – full process efficiency. Efficiency translates to improved turn times, reduced redundancies, reduced costs, and enhanced client experiences, among many other benefits. Workflow is the process that has been years in the making and it’s a tool that will help us reach these goals as an integral part of our technology roadmap at MB. As a part of the Workflow Program, we are excited to announce the launch of the first of many Workflow projects next Monday on “Workflow for Initial Disclosures”. As an example of the process already working, this project was kicked off on November 14, 2017 and will roll out on March 19, 2018 – four months, start to finish! This project specifically targets a reduction in systems used for the process (reduced from 12 to 4!) and improved reporting and analytics such as more accurate reporting, and monitoring of task time at the user level. More efficiency! In parallel with our Workflow project activities, we are continually exploring the integration of new technologies and adjusting our project roadmaps accordingly in order to quickly deliver value to the business. A great example of this is the integration of SmartFees® for our Retail team within an eight week period, from the beginning of the project until rollout. More efficiency! The Mortgage Division is on a trajectory to obtaining new technology when it’s relevant to the success of our business, and that’s exciting!
Lending •
CFPB Servicing Rule Changes
Don’t miss Mitch Feiger’s Monday Morning Conference Call! To listen to the call live, dial 1.800.446.2782 with the confirmation code 16655862. You will hear music until Mitch dials in. The call begins every Monday around 8:30 am CT. Find recordings of recent calls on MB.net, under “Quick Links.” 1
MORTGAGE minutes February/March 2018
NEW TEAM MEMBERS OPERATIONS
Ann Arbor Ops Jason Marsiglia — Compliance Processor I Monique Shaw — Post Closer I Wilmington Servicing Center David Jordan — Maintenance Technician Emily Miller — Quality Assurance Specialist Indigo Johnson — Customer Care Specialist I Madison Cawley — Customer Care Specialist I
JANUARY BULLETINS 01/02 - Reminder! NMLS and State Licenses
Wholesale, Mini-Corr
01/02 - Mortgagebot Downtime
Wholesale,Retail, Mini-Corr
01/05 - Reminder! Appraiser Independence Requirements AIR 01/09 - Martin Luther King, Jr. Day
Wholesale, Retail, Mini-Corr
01/11 - Martin Luther King, Jr. Day
Mini-Corr
01/12 - Mortgagebot Downtime
Wholesale, Retail, Mini-Corr
01/19 - Mortgagebot Downtime
Wholesale, Retail, Mini-Corr
01/22 - Lapse of the National Flood Insurance Program
Wholesale, Retail, Mini-Corr
01/22 - Government Shutdown Update
Wholesale, Retail, Mini-Corr
01/23 - Update: Government Re-Opened
Wholesale, Retail, Mini-Corr
01/24 - Guideline Updates
Wholesale, Retail, Mini-Corr
01/25 - Texas Changes to Constitution Section 50(a)(6)
Maggie Christen — Collections Specialist I Matthew Williams — Collections Specialist Melissa Brunner — Collections Specialist I Cammy Chaney — Contractor Default Clerical Support Jack Piechocki — Customer Care Specialist I Rachel Johnson — Contractor Customer Care Specialist I Shirihan McDermott — Contractor Customer Care Specialist I Stephanie Perdue — Cash Processor
Retail
Retail
FEBRUARY BULLETINS 02/01 - Texas Changes to Constitution Section 50(a)(6) 02/01 - Student Loan Payment Calculations
Wholesale, Mini-Corr Wholesale,Retail, Mini-Corr
02/07 - BPMI Single Premiums/BPMI Single Premiums and State Housing Update Wholesale, Retail, Mini-Corr 02/09 - MortgagebotLOS Downtime
Wholesale, Retail, Mini-Corr
02/16 - Presidents’ Day Holiday
Wholesale, Retail, Mini-Corr
02/16 - Operations Leadership Team Changes
Internal
02/19 - Fraud Alert Process
Retail
02/19 - Operations Enhancements
Wholesale, Retail
02/20 - Revised! Operations Enhancements
Wholesale, Retail
02/20 - Credit Report Fee
Retail
02/21 - Guideline Updates
Wholesale, Retail, Mini-Corr
02/26 - Ordering MI Quotes in MortgagebotLOS™
Retail
02/27 - Mortgage Madness $200 Lender Credit
Retail
CCCO CONTRIBUTIONS • United Way of Washtenaw County • National Fire Safety Council
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MORTGAGE minutes February/March 2018 NEW TEAM MEMBERS RETAIL & SALES
Louisville, KY - Branch Hope Nix — Loan Officer Skokie, IL - Branch Jorge Vences — Loan Officer Warrensburg, MO - Branch Sarah Misner — Loan Officer Assistant Williamsville, NY - Branch Stacey Weinstein — Processor III Greenwood Village, CO - Branch Isaac Lewis — Loan Officer Assistant
FEBRUARY/MARCH COMMUNITY LENDING UPDATE This was our first First-Time Homebuyer Fair with Consolidated Credit and there were over 500 attendees. Both Ed and Eric recieved numerous leads and have been following up with the attendees. Ed has been working with Consolidated Credit for almost a year and the Housing Director, Maria Gaitan, LOVES working with him. She is planning several other events that she wants Ed to get involved with, to help get his name out in the community because she loves MB’s products and the ease of working with Ed.
Johnston, IA - Branch Haley Greenwood — Loan Officer Nick Lang — Loan Officer Stephanie Sickerson — Processor III Lake Clarke Shores, FL (Virtual) Steven Duran — Area Manager Liverpool, NY - Branch Marcie Teeter — Loan Officer Chicago, IL (Pilsen) Branch Margarita Perez — Loan Officer Community Lending Frankfort, IL Branch Marvin Lindsey — Loan Officer Mason, OH Branch Tony Daniele — Loan Officer Overland Park, KS Branch Megan Dechant — Loan Officer Assistant Overland Park, KS (CD) Branch Don Little — Loan Officer Consumer Direct Mike Leonhart — Loan Officer Consumer Direct Sean Miller — Loan Officer Consumer Direct Schaumburg, IL Branch Christina Collins — Loan Officer
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MORTGAGE minutes February/March 2018
JANUARY TOP PRODUCERS AREA MANAGERS — DOLLARS 1 Joe Bellamente $32.4m 2 Kris Verga $18.0m 3 Mark Hammond $16.7m 4 Jim Sprick $14.9m 5 Bryan Dionne $12.8m
AREA MANAGERS — UNITS. 1 Joe Bellamente 78 2 Mark Hammond 63 3 Patrick Kilian 45 4 Bryan Dionne 44 5 Dee Dee Emmert 41
RETAIL ORIGINATORS — DOLLARS 1 Troy Fairbanks $2,669,695 2 Will Foster $2,514,760 3 Guy Grimaldi $2,042,650 4 Patrick Croghan $1,930,500 5 Sean McGeehan $1,922,250 6 Rich Blanchard $1,573,955 7 Matt Holubar $1,524,647 8 Robbie Pittelman $1,516,000 9 Ed Kessner $1,501,000 10 Pat Sortor $1,407,125
RETAIL ORIGINATORS — UNITS 1 Will Foster 12 2 Troy Fairbanks 10 3 Sean Palma 9 4 Jeff Caine 8 5 Guy Grimaldi 7 5 Scott Elia 7 5 Rob Laney 7 5 Shane Bennett 7 9 Rich Blanchard 6 9 Aaron Waldron 6
RETAIL BRANCHES — DOLLARS 1 Northville $10.2m 2 Chicago $8.7m 3 CD Milford $6.5m 4 CD Overland Park $5.7m 5 Greenacres $5.2m
RETAIL BRANCHES — UNITS 1 Northville 51 2 Chicago 35 3 Rochester 34 4 CD Milford 32 5 Louisville 26
RETAIL PROCESSORS — DOLLARS 1 Charles Waters $3.49m 2 Kathryn Klaus $3.41m 3 Kim Carrell $3.20m 4 Jon Kloak $3.18m 5 Amy Wood $3.04m
RETAIL PROCESSORS — UNITS 1 Kathryn Klaus 18 2 Linda Ingersoll 15 3 Kim Carrell 14 3 Jon Kloak 14 3 Darlene Kowalski 14 3 Amanda Bernardini 14
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MORTGAGE minutes February/March 2018
FEBRUARY TOP PRODUCERS AREA MANAGERS — DOLLARS 1 Joe Bellamente $38.49m 2 Mark Hammond $12.63m 3 Tim Fitzgerald $9.04m 4 Kris Verga $8.84m 5 Ron Miller $8.83m
AREA MANAGERS — UNITS. 1 Joe Bellamente 84 2 Mark Hammond 58 3 Patrick Kilian 37 4 Dee Dee Emmert 34 5 Bryan Dionne 29
RETAIL ORIGINATORS — DOLLARS 1 Nick Wages $3,338,841 2 Troy Fairbanks $3,315,608 3 Brian Duncan $2,529,745 4 Nick Zwiebel $2,212,382 5 Cindy Runkle $2,146,592 6 Guy Grimaldi $2,082,250 7 Mike Vorderstrasse $1,740,200 8 Michele Ringsdorf $1,564,205 9 Scott Bonow $1,535,900 10 Kandi Jones $1,528,533
RETAIL ORIGINATORS — UNITS 1 Troy Fairbanks 12 2 Nick Zwiebel 9 3 Cindy Runkle 8 3 Michele Ringsdorf 8 3 Mike Kerrigan 8 3 Ron Cardozo 8 7 Nick Wages 7 7 Brian Duncan 7 7 Scott Elia 7 7 David Granger 7
RETAIL BRANCHES — DOLLARS 1 CD Overland Park $22.0m 2 Chicago $11.8m 3 Northville $11.6m 4 Omaha $6.8m 5 CD Milford $6.6m
RETAIL BRANCHES — UNITS 1 CD Overland Park 62 2 Northville 52 3 Chicago 42 4 CD Milford 33 5 Omaha 30
RETAIL PROCESSORS — DOLLARS 1 Kari Peteanu $6.7m 2 Leslie Bradish $5.2m 3 Linwood Duroe $4.1m 4 Beau Browning $4.0m 5 Sydney Thomas $3.5m
RETAIL PROCESSORS — UNITS 1 Leslie Bradish 16 1 Mia Nicholson 16 1 Amy Hubbard 16 4 Kari Peteanu 15 4 Lisa Watson 15
PRODUCTION AT-A-GLANCE Month
Volume
No. of Loans
Purchase %
Retail %
Whole %
Mini- Consumer Corr % Direct %
September
$424,807,262
1513
65.7%
22%
53%
22%
October
$459,319,615
1615
58.4%
19%
53%
26%
November
$405,777,769
1447
63.2%
20%
53%
23%
December
$367,793,962
1309
59.9%
23%
54%
21%
January
$350,307,411
1237
58.2%
23%
48%
25%
February
$323,744,890
1167
62.8%
25%
46%
18%
10%
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MORTGAGE minutes February/March 2018
PRODUCT UPDATE There’s a lot happening in product development for our retail channel! The Federal Home Loan Bank of Chicago (FHLBC) announced their Down Payment Plus (DPP) program recently. They are giving each member lender $420,000 towards down payment and closing cost assistance. The program will be providing eligible borrowers with a 3:1 match of their contribution up to the lessor of $6,000 or 25% of the first mortgage – same as last year. Good news on homebuyer education requirements – the forms previously required are no longer necessary, only a certificate of completion! Look for a communication with the details coming to you soon. We continue to work on providing a state housing program in each state we have a retail branch. Currently, we are focused on Florida Housing Finance Corporation (FHFC) programs. We are working through the details but plan to have this available on April 18. Construction loans continue to be a high priority. At the retail sales meeting, we heard you loud and clear you want a more robust product. We are re-scoping to determine if we can add more to our initial construction offering. More to come as we work through the details. Lastly, make sure you take a look at the conforming non-warrantable condo offering – the LTV was increased to 90%! We are excited to continue to expand our product offerings. As always, feel free to contact anyone on the Product Team for an update on our current priorities or any product related inquiries.
HEALTHY HERO During February and March, we have had a variety of different wellness information sessions offered in Ann Arbor, Milford, and by webinar. There are still a few other sessions available: Onsite Session - Portion Distortion, presented by: Samantha Daily, RD of Nourishing Ways Ann Arbor: Tuesday, March 21, 2018 – 12-1:00pm Milford: Wednesday, March 22, 2018 – 12-1:00pm About the session: Do you know how food portions have changed in the past 20 years? Join us to test your knowledge about how many calories are in today’s common food selections compared to 20 years ago. Learn the basics of a balanced diet and some tricks and easy ways to estimate and eat appropriate portions. If you would like to view the materials from the sessions offered, please click here to check out our wellness page on the Nest.
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MORTGAGE minutes February/March 2018
TRAINING UPDATE Well, it appears that Punxsutawney Phil saw his shadow, meaning that our already bitter winter will continue for six more weeks! Not to worry though, we’ve got lots of training opportunities that you can take from the warmth of your office! Several new trainings have been introduced including HMDA 2018, Long Term Locks and a rebuild of our Appraisal Management training. With our Training Liaisons, we will be working on the Closing Process, Product Options and Creating a Business Plan over the next few months. Watch your calendars for these new offerings coming soon! In Ann Arbor, we are continuing our Learning Tracks for Retail Sales, Underwriting and Retail Processing and our Product Team has a lot of great product enhancements that continue to be offered on our Training calendar. Wilmington is actively working with HR on enhancing our Explorer as well as Leadership Training that will be covered by the Ohio Means Jobs Incumbent Workers Training grant. We will be identifying our new Training Liaisons and hope to begin creating training materials for the Wilmington center within the next few months. Have a training need? Let us know how we can help. Contact us at [email protected].
LEADERSHIP UPDATE Training Opportunity Being Superman: 4 Concepts That Help Leaders/Team Members Understand (Dis)Ability. Session offered in Ann Arbor 4/11, 10-11:30am for leaders, 1-3pm for team members Webinar on 4/19, 2-3pm Watch your email for more details. About the session: Because more than 25% of the population has a disability in some form, it’s important to create an accepting environment. In this workshop, participants will learn how organizations can create an environment that is accepting of persons with (dis)abilities and become more aware of what (dis)ability is and learn how to celebrate it. During this presentation Paul Artale shares his life story of overcoming challenges both on and off the football field with practical knowledge relating to ability and inclusion. Specifically, participants will: • Learn the key tenants of Disability Identity Theory • Understand and identify microagressions and how to combat them • Define and understand intersectionality both broadly and on a personal level • Understand (dis)ability as both a social and medical construct About Paul Artale: Born with short forearms and missing fingers on both his left and right hands, Paul Artale was no stranger to challenges. Paul spent much of his youth in hospitals undergoing surgeries to improve his hands. During this time he was blessed to be raised around people who never treated him as “different” or “special” and who never let the word disability enter his vocabulary. Those experiences are what gave Paul the attitude and grit he needed to achieve his dreams in life.
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MORTGAGE minutes February/March 2018
MARCH OPERATIONS UPDATE As we move through the industry seasonal cycle we have many things to look forward to heading into spring. Our locked pipe volumes are on the rise, routinely crossing past $500m and we’re using this time to focus on improvements to our customer experience and internal processes. OPERATIONS BREAKDOWN
Recent Loan Originator (LO) Experience Improvements include:
Month
Rate Lock $
Lock Pull Through
- Mortgage Insurance (MI) quote ordering from within MortgagebotLOS. Sep 478.1m 83% o This will allow the LO to pull accurate quotes directly in Mortgagebot Oct 490.9m 83% LOS without using the MI company’s rate cards or rekeying information 412.6m 82% in their websites. This is to obtain quotes only. MI certs will continue to Nov Dec 404.6m 83% be ordered during the underwriting process. - SmartFees® to obtain title and inspection fee quotes. Jan 463.2m 82% o This will allow for more accurate title and inspection fees to be provided Feb 445.0m 83% to applicants on the initial Loan Estimate provided by MB. SmartFees® should only be used in connection with a mortgage loan application. - “Pre-Approval” functionality within the Mortgagebot Point-of-Sale (POS) site. o Consumers will now see an option labeled “Pre-approval”. This option will allow the consumer to continue entering their information into the POS without requiring a full property address. - Underwriter (UW) callouts after initial decision. o Our UW team continues the focus on productive communication with our Sales partners. These callouts help with transparency into condition status and next steps to move towards clear to close. Central Operations & Analytics is underway with several continuous improvement efforts, focused on operational efficiency, improved customer engagement/communication and enhanced metrics. - Post-Closing and Operational Excellence recently launched a process redesign focused on improving the received-to-cleared file review turn-time and file readiness for allocation to our investors; highlights include: o Created a dual-track review process able to consume more files by breaking out the Closing Disclosure review from the review of all other documents; streamlining the lower time-spend reviews of other documents and starting the suspense clearing process quicker. o Completed a full revamp of all Post-Closing metrics and dashboard reports. o Early results show an improvement of three less touches and handoffs per loan. We anticipate additional lift as the process burns in further. - Mini-Corr and Operational Excellence completed a time study and continuous improvement exercise in the fourth quarter of 2017 producing a series of process improvements. Execution against the improvement roadmap kicked off in February. We’re excited to share progress as the efforts rollout over the coming months.
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MORTGAGE minutes February/March 2018
The following individuals moved, changed position, or became a regular MB team member. Congratulations!
NEW POSITIONS
Name
Previous Position
New Position
Location
Amy Blair Amy Branham Angela Knapp Barbara Caldwell Brittany Curry Bryan Clark Christian Polk Claudette Brown Denise Dakin Derek Vertin
Reconciliation Accountant Loan Closer II Contractor Flood Specialist Contractor Administrative Business Analyst Loan Closer I Loan Officer Assistant Network Administrator IT Product Manager
Wilmington Ops Ann Abor Ops Wilmington Ops Wilmington Ops Wilmington Ops Ann Arbor Ops Ann Arbor Ops Wichita, KS Branch Wilmington Ops Ann Arbor Ops
Ed Kelley
Customer Care Team Lead
Elliot Cline George Tilt GlenRay Vestal Indigo Johnson Jerricka McDougal Karen Ruerat Kathy McCord Keith Fife Keyaunah Warren Kristie Cupitt Laurie Patton Leslie Priest Lisa Noes Lori Kelch Marla Curns Melanie Brooks Michael Laurri Monica McInnis Neesha Daily Paul Arsenault Ruth Frazier
Document Release Processor II VP Operational Excellence Contractor Contractor Contractor Loan Closer I Investor Reporting Manager Customer Care Specialist I Change Request Coordinator I Business Systems Support Lead Loan Closer II Escrow Processor Investor Services Manager Loan Councelor Contractor Loan Estimate Specialist I Loan Officer Assistant Closing Coordinator Area Manager Processor I Underwriter I VP Compliance Testing and Monitoring Customer Care Specialist I Retail Closing Manager Sr Employment Verification Specialist Sales Operations Manager Processor II Temporary Processing Assitant
Reconciliation Accountant II Client Services Specialist I Customer Care Specialist I Senior Insurance Processor Customer Care Specialist I Business System Support Analyst II Registration Coordinator I Junior Loan Officer IT Desktop Technician II AVP IT Account Manager III Sr Servicing Customer Care and Collections Quality Assurance Analyst Quality Assurance Specialist Contractor Collections Specialist I Customer Care Specialist I Employment Verification Specialist I Loan Estimate Specialist I AVP Investor Reporting Manager Document Release Processor II Change Request Coordinator II AVP Application Support Manager Request Coordinator Senior Escrow Processor AVP Investor Services Manager Pre-Forclosure Specialist Compliance Processor I Loan Estimate Specialist II Loan Officer Client Services Specialist I Senior Inside Area Manager Loan Officer Assistant Suspense Review Analyst I Loss Mitigation Consultant
Wilmington Ops
Default Specialist AVP Closing Manager Compliance Processor I AVP Sales Operations Manager Quality Control Reviewer Client Services Specialist I
Wilmington Ops Ann Arbor Ops Ann Arbor Ops Ann Arbor Ops Ann Arbor Ops Ann Arbor Ops
Scott Barnett Sydney Zorn Tammy Anderson Ted Milliner Theresa Voisin Victoria Aldridge Vincent Gordon
Wilmington Ops Wilmington Ops Ann Arbor Ops Wilmington Ops Wilmington Ops Ann Arbor Ops Ann Arbor Ops Wilmington Ops Wilmington Ops Ann Arbor Ops Ann Arbor Ops Ann Arbor Ops Wilmington Ops Wilmington Ops Wilmington Ops Ann Arbor Ops Ann Arbor Ops Rochester, NY Branch Ann Arbor Ops Eden Priarie, MN Greenacres, FL Branch Ann Arbor Ops
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MORTGAGE minutes February/March 2018
THE WOW! AWARDS The WOW! award is presented weekly in the Ann Arbor Ops Center with a certificate and a token of appreciation to a team member who has gone “above & beyond.” Each month (because of fewer team members) the WOW! award is presented in the Milford and Chicago Ops Centers, the Wilmington Servicing Center, Ann Arbor Evening Operations and to our retail branches and sales force. Each WOW! award winner will be treated to a meal with their fellow award winners (by location). The WOW! Award will start in our new Midwest region soon! Peter Santinga Ann Arbor − January 2
Ron Ziss Chicago − January
Meridith Williams Ann Arbor − January 23
Over a period of more than four months, Peter met with many individuals for the Fiserv contract renegotiation. This was an accelerated negotiation process that began in September 2016 and finished with implementation in January 2017. The result of this effort was an estimated cost savings for the Mortgage Division of $840,000 in 2017.
Bringing about a culture of excellent customer service takes dedication, attention to detail, and of course, communication. Ron Ziss demonstrated all these categories and then some while working with a wholesale client. Thanks to Ron’s great communication with the client, what could have been a rough situation turned into a positive customer experience.
Meridith prides herself on giving excellent customer service to our customers as well as her fellow team members. She goes above and beyond to not only give the correct information, but to also teach and guide those around her. We are truly grateful to have her represent MB and appreciate everything she does on a daily basis!
Vern Williams , Jamie Maier , Eric Lippit, Sherita Watson, Fred Sherry, Todd Weigandt , Norman Miller Ann Arbor − January 16
Susan Florea Wilmington − January
Laura Ross, Jill Parkinson, K risten Mehlenbacher Milford and Retail - January
and
A key milestone in the Busey Integration project was network connectivity and desktop installation and support. The network and desktop teams put in long hours (including travel around the holidays), and worked through several challenges to meet our hard deadlines with a positive “can do” attitude. The teams were truly a pleasure to work with throughout the project and provided excellent support for our new team members.
Susie provided our team some much-needed assistance with our mail processing. Her kindness and willingness to always assist us with us with the various projects that we have going on in Document Retention make her our choice for this award!
Amy Wallace Ann Arbor − January 9 Amy is a team player that is dependable and goes out of her way to help others. Her ability to learn quickly, willingness to take on any task given to her, and dedication to the job at hand is helping the project to stay on course, despite numerous ongoing challenges.
and
During the Busey merger, the MB processing team was asked for volunteers to go onsite during the training process to assist our training team. This was a big ask, since it meant time away from the office and their families for almost a week. These three processors stepped up and went beyond what could ever be expected of them.
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MORTGAGE minutes February/March 2018
THE WOW! AWARDS Allison Hasselbach Ann Arbor − February 6
Barb Lecoyer Ann Arbor − February 20
J oyce Cole Milford − February
Allison has taken on numerous tasks that have grown her capabilities and has performed them with a high level of excellence. There have been many changes on the Counterparty team, and she has been the point person facilitating and communicating both internally and externally in a very pleasant and professional manner.
Barb Lecoyer is truly one of the unsung heroes of the Operations team. Barb is always willing to review policies quickly and clarify what is needed if the policy is unacceptable. She is always very accessible, responsive and patient as she explains to me, my broker, and even some insurance agents what is agency acceptable. Thanks again for being a great member of the MB team, and adding to the positive MB experience for our Brokers!
Joyce went above and beyond to help us get a very challenging file approved and cleared to close. She was available to speak on the phone and offered us real advice and alternatives to get the file approved. It was a pleasure working with her on this file and we would not have been able to do it without her. Thanks again for your dedication and support!
Allison is the go-to person when someone needs to make sure something needs to be done. Counterparty and Credit Risk are very proud to have her as part of our team!
J im Hayslip Wilmington − February Jim Hayslip wears many hats and has so many talents. No matter what the job, when he’s called upon, Jim is always ready and willing to do the task at hand with an upbeat and friendly personality. It is not uncommon for him to stop what he is doing and attend to a need in another area or team. He is instrumental in a lot of the behind-thescenes things that make MB a great company.
Shenese Willis Chicago − February From one of our clients: “I wanted to commend your Underwriter, Shenese Willis. She has been wonderful to work with. If she has a question on a file, she will pick up the phone and call. If we have an issue, she will work with you to get it resolved. She is a great asset to your company and that is why we send our loans to MB. I just wanted to take a minute and let you know what a great job she is doing.”
Tammy McClure Ann Arbor − February 27 I had two new brokers approved at virtually the same time and fortunately both decided to send in their first loans to us right away. I was very fortunate to have Tammy assigned to both new loans from these two new clients. Tammy was very persistent in making sure that she spoke to one of the processors – leaving voicemails and sending emails until they connected to discuss the conditions. Tammy made sure the processors were comfortable and clear concerning what was needed. Thanks, Tammy, for your patience and for going the extra mile to make sure that these two new clients had a great MB experience!
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MORTGAGE minutes February/March 2018
MB CULTURE Right and Left: The Overland Park Consumer Direct Team was getting fueled up for the day with some pancake fun.
Right: Ann Arbor team members enjoy a Superbowl feast! Below: Wilmington gets in on the Superbowl snacks as well.
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