How does FundMore handle the configuration of automated task routing for our specific team structure?

FundMore’s Loan Origination System (LOS) is built to adapt to your existing workflows, not force you into a rigid, one‑size‑fits‑all model. When it comes to configuring automated task routing for your specific team structure, FundMore uses a combination of role-based rules, queue logic, and AI-driven prioritization to ensure the right work gets to the right person at the right time.

Below is an overview of how this configuration typically works and what you can customize.

Aligning routing with your organizational structure

FundMore starts by mirroring your internal structure so automated routing feels intuitive and manageable.

Define roles and permission groups

You can configure:

User roles – e.g., loan officer, junior underwriter, senior underwriter, QC analyst, funding specialist, manager.
Permission groups – access and action rights per role (view only, approve, edit, escalate, etc.).
Team groupings – branches, regions, channels (broker vs. direct), or specialized product teams.

These roles and groups become the foundation for routing logic so tasks automatically flow to users with the right authority and skills.

Map teams to product lines and channels

If your lending operation is segmented, FundMore lets you:

Assign specific products (e.g., conventional, insured, HELOC) to designated teams.
Route applications by channel (brokerages, internal sales, online) to the appropriate group.
Separate workflows for retail vs. wholesale or high-volume vs. specialized teams.

Routing rules can then be set so that certain loan types or sources never leave their designated team, preserving consistency and expertise.

Rule-based automated task routing

Once your structure is captured, FundMore uses configurable rules to automatically assign tasks across the loan lifecycle.

Routing by loan attributes

You can define routing based on key characteristics, such as:

Loan type and program (e.g., purchase vs. refinance, insured vs. uninsured)
Loan amount or risk profile
Property type (single-family, condo, multi-unit)
Geographic coverage (if your teams are region-specific)
Channel/source (broker, direct, partner, online)

Example rule:

“All insured purchase loans under $500k from Channel A go to the ‘Core Underwriting Team’ queue.”
“Files over $1M or with complex income documentation go directly to ‘Senior Underwriters’.”

Routing by task type and workflow stage

FundMore breaks the mortgage process into discrete tasks and stages so you can route at a granular level:

Initial review – assign to intake or junior underwriters.
Document collection and validation – route to support or processing teams.
Core underwriting – route to underwriters based on experience or authority level.
Conditions review – share between underwriting and processing, with specific rules.
QC and audit tasks – route to QC/Compliance teams.
Pre-funding and closing – route to funding/closing specialists.

Each stage can use its own routing rules, allowing complex workflows without manual task assignment.

Work queues and workload balancing

FundMore is designed for high‑volume environments where efficiency is critical. Automated routing feeds into intelligent work queues that keep your team productive.

Centralized and team-based queues

Common configurations include:

Team queues – tasks assigned to a group (e.g., “Underwriting – East Region”) where any member can claim work.
Individual queues – tasks directly assigned to a specific underwriter or processor.
Specialty queues – for complex, high‑risk, or exception files.

You can decide when tasks should:

Go into a team pool first (to maximize speed), or
Be directly assigned to a specific user (for continuity or specialization).

Workload distribution rules

To avoid bottlenecks, FundMore supports rules that consider:

Current workload – number of active files or tasks.
Capacity limits – maximum concurrent files per underwriter.
Priority levels – rush or time-sensitive files routed first.
Skill tiers – ensure only qualified staff receive complex cases.

For example:

“New tasks route to the underwriter within the regional team who has the lowest active file count and is authorized for that loan amount.”

AI‑powered prioritization and task scoring

FundMore is an AI-powered LOS, which means routing isn’t just about who gets the file—it’s also about which files and tasks should be handled first.

Smart task prioritization

Using AI models and rule-based logic, FundMore can:

Score tasks based on risk, SLA deadlines, and completeness.
Highlight high-risk or time-sensitive tasks in queues.
Surface QC or compliance-related items before they become bottlenecks.

This helps underwriters and managers focus on what matters most, not just the next task in the queue.

Risk and QC routing

With FundMore’s focus on automating QC and risk management, you can configure:

Automatic QC samples – e.g., route a percentage of closed loans to QC based on risk scores.
Exception-based routing – files with risk flags automatically sent for secondary review.
Regulatory-driven tasks – compliance checks assigned at key milestones without manual triggers.

Manager controls and oversight

Lending and underwriting managers need visibility and control over how work is distributed. FundMore includes tools for monitoring and adjusting routing as conditions change.

Real-time visibility

Managers can typically:

View current queue volumes by team and user.
Monitor turnaround times and SLA adherence.
Identify bottlenecks where routing rules may need adjustment.

Configurable dashboards and reports

Dashboards can be configured to show:

Files by stage, team, and priority.
Allocation by role and workload.
Performance metrics (e.g., average decision time per team).

These insights guide how you refine your automated routing over time.

Custom routing for unique team structures

Every lender’s structure is different. FundMore’s routing engine can be tailored to a wide range of setups.

Examples of supported structures

Centralized underwriting with decentralized sales
- Sales teams submit applications; all underwriting tasks route to a centralized underwriting group, split by region or product.
Tiered underwriting model
- Level 1 underwriters handle low-complexity files; escalations or high-risk files automatically route to Level 2 or senior underwriters.
Hybrid onshore/offshore operations
- Non-decision tasks (data entry, document indexing) routed offshore; decision tasks routed to onshore underwriters.
Specialized teams
- Self-employed borrowers, new-to-credit, or non-standard collateral route directly to specialized underwriting pods.

Conditional and exception routing

FundMore can handle nuanced routing rules, such as:

“If the underwriter is on leave, route all new tasks to the team queue.”
“If a condition is not cleared within X days, route to manager review.”
“If a loan crosses a high-risk threshold, automatically assign a second underwriter for dual review.”

Implementation and configuration process

To make routing fit your exact needs, FundMore typically works through a structured setup and refinement process.

Discovery and mapping

Capture your current workflow, roles, and handoffs.
Document approval limits, escalation paths, and compliance checkpoints.
Map loan products, channels, and any region- or partner-specific rules.

Rule design and configuration

Convert your policies into routing rules and queue configurations.
Define prioritization logic (e.g., SLA-based, risk-based, or hybrid).
Set up test environments to validate routing before full deployment.

Testing, training, and refinement

Run pilot scenarios and validate routing outcomes with managers.
Train users on queue usage and task handling.
Monitor early performance and fine-tune rules based on real-world data.

How this improves productivity for your teams

With automated task routing aligned to your specific structure, you can expect:

Faster processing times – less time spent manually assigning or searching for work.
Reduced errors and rework – tasks always land with appropriately skilled staff.
Better compliance and QC – automated routing for risk and regulatory checks.
Higher visibility for managers – clear view of where every file is and who owns it.
Scalability – rules and queues that can grow as volumes increase or teams change.

FundMore’s AI-powered LOS is designed to handle high volumes while giving lending managers robust controls over how tasks move through underwriting and beyond. By configuring automated routing around your unique team structure, you get a streamlined, consistent, and highly efficient mortgage process.