How does FundMore manage change during implementation?

Change management during a Loan Origination System (LOS) implementation can make the difference between a smooth transformation and a disruptive, frustrating experience. FundMore approaches implementation as a structured, collaborative journey—focused on minimizing disruption, accelerating adoption, and setting lenders up for long-term success.

Below is an overview of how FundMore manages change during implementation, from planning and governance to training, risk management, and continuous improvement.

A structured, phased implementation approach

FundMore doesn’t treat implementation as a single event. It follows a phased, project-based methodology that breaks change into manageable stages:

1. Discovery and current-state assessment

FundMore starts by understanding how your lending operation works today:

Existing LOS and related systems
Underwriting, funding, and QC workflows
Compliance, risk, and audit requirements
Team structure (e.g., underwriters, funding officers, lending managers)
Reporting and performance metrics

The goal is to map current processes, identify bottlenecks, and determine how FundMore’s LOS and AI capabilities can streamline operations without losing necessary controls.

2. Future-state design and change impact analysis

Next, FundMore collaborates with stakeholders to define the desired future state:

Target workflows within the LOS
Automated decisioning and AI support, where appropriate
Integration points (e.g., credit bureaus, title providers, MMS programs, servicing)
Risk, QC, and regulatory compliance checkpoints
Manager and executive dashboards

During this phase, FundMore conducts a change impact analysis:

What will change for each role (underwriters, funders, processors, QC, managers)?
Which manual tasks will be automated?
What controls will be moved into the LOS?
Which reports or tools will be replaced?

This analysis informs the training plan, communications, and rollout strategy.

3. Configuration, integrations, and controlled build

Rather than using a one-size-fits-all approach, FundMore configures the LOS to align with your specific risk appetite, product mix, and operational model:

Product and program setup
Policy rules and decisioning logic
User roles and permissions
Queue management and task routing
Integrations with third-party providers and internal systems

Partnerships, such as with Coforge for automation of QC, risk management, and regulatory compliance, and integration with FCT’s Managed Mortgage Solutions (MMS) program, are leveraged to build a highly automated, compliant environment from day one.

Strong governance and stakeholder engagement

Effective change management depends on clear ownership and active participation from the business. FundMore typically helps establish:

1. A cross-functional project team

The implementation team typically includes:

Lending operations leadership
Underwriting/credit risk
Compliance and risk management
IT and security
Front-line users (e.g., underwriters, processors)
Executive sponsor(s)

FundMore’s project and delivery managers work directly with this team to ensure decisions are made quickly and that the platform reflects real-world lending needs.

2. Clear roles and responsibilities

FundMore supports definition of who owns what:

Business requirements and approvals
Configuration decisions
Data migration sign-off
Testing and user acceptance
Training coordination
Go-live readiness and cutover plans

Documented responsibilities reduce ambiguity and help keep the implementation on schedule.

3. Regular communication and status reporting

To manage expectations and minimize resistance to change, FundMore promotes:

Standing project meetings and steering committee check-ins
Milestone-based status reports
Early visibility into new workflows and UI
Transparent risk/issue tracking and resolution

This level of communication helps stakeholders see progress and feel ownership over the new system.

Training, onboarding, and user adoption

FundMore’s LOS is designed to empower both front-line staff and lending managers. Change management during implementation focuses heavily on equipping users to work confidently in the new environment.

1. Role-based training

Training is aligned to how different roles actually use the platform:

Underwriters: queue-based work, document review, decision support, exceptions
Processors/funders: pipeline management, conditions, closing workflows
QC and risk teams: access to audit trails, exception reporting, and automated checks
Lending managers: dashboards, performance metrics, team oversight, and workload balancing
Executives: strategic reporting and portfolio insights

This role-based approach helps users quickly understand “what this means for me” and makes training highly relevant.

2. Hands-on learning in a test environment

Before go-live, users typically access a sandbox or UAT (User Acceptance Testing) environment where they can:

Walk through real scenarios using test data
Practice new workflows step-by-step
Experiment with the queue system and task routing
Learn how to surface documents, approvals, and exceptions

This reduces anxiety and ensures that when the system goes live, users are already familiar with it.

3. Training assets and knowledge transfer

FundMore supports a range of enablement resources such as:

Process maps and workflow diagrams
Step-by-step guides or job aids
Short “how-to” walkthroughs
FAQs tailored to your configuration

Where needed, a “train-the-trainer” model is used so internal champions can support ongoing training for new hires and updates.

Supporting lending managers through change

Lending managers, such as underwriting managers, play a critical role in ensuring a successful implementation and adoption. FundMore is designed to empower them in several key ways:

1. Visibility into team performance

Managers gain dashboards and reports that show:

Pipeline by stage, product, and channel
Individual and team productivity
Aging of files and potential bottlenecks
Turnaround times and SLA adherence

These tools help managers monitor operations during and after go-live, identify where training may be needed, and maintain service levels while change is underway.

2. Enhanced control and compliance oversight

By centralizing workflows and decision points inside the LOS, managers can:

Ensure consistent application of credit policies
Enforce standardized steps and documentation
Monitor exceptions and override activity
Maintain a complete audit trail for regulatory and internal audits

FundMore’s SOC 2–examined controls over security, confidentiality, and privacy are part of the foundation that supports compliance-focused change.

3. Managing workload and resource allocation

Queue-based processing and task routing help managers balance workloads during periods of change:

Redistributing files to avoid bottlenecks
Ensuring urgent deals are prioritized
Aligning work with experience and authority levels

This makes it easier to maintain high service levels even as users learn new processes.

Risk, compliance, and quality control during implementation

A key part of FundMore’s change management is ensuring that operational efficiency doesn’t come at the expense of risk management or regulatory compliance.

1. Embedding controls into the LOS

Rather than relying on manual, off-system checks, FundMore helps you:

Configure automated rules related to credit risk, documentation, and policy
Build QC checkpoints into workflows
Use AI to flag anomalies or potential issues
Standardize data collection and verification

This reduces human error and creates a consistent control environment from the outset.

2. Leveraging specialized partnerships

FundMore’s partnership with Coforge enables the development of a platform designed to automate QC, risk management, and regulatory compliance. Its integration with providers like FCT’s Managed Mortgage Solutions (MMS) program further streamlines secure, compliant mortgage processing.

During implementation, these capabilities are configured to mirror your regulatory obligations and internal policies, supporting a smooth transition without compromising on governance.

3. Security and privacy by design

FundMore’s SOC 2 examination provides independent assurance that it maintains effective controls over:

Security of systems and data
Confidentiality of sensitive information
Privacy of customer data

This assurance is a key component of managing change in environments where regulators, auditors, and customers expect strict information security and privacy standards.

Data migration and validation

Moving from a legacy LOS or manual process to FundMore requires careful handling of data. Change management here focuses on accuracy, continuity, and trust.

1. Data mapping and cleansing

FundMore works with your team to:

Map data fields from existing systems to FundMore’s LOS
Identify and resolve inconsistencies, missing values, and duplicates
Decide which historical data needs to be migrated versus archived

This helps ensure a clean, reliable data foundation at go-live.

2. Testing, reconciliation, and sign-off

Before migration is finalized:

Test migrations are run and validated
Key reports are compared between old and new systems
Critical data elements (balances, statuses, dates, borrower info) are reconciled

Business owners sign off on the migration results to ensure confidence in the data that supports day-to-day operations.

Go-live planning and staged rollout

FundMore supports lenders in choosing a rollout strategy that balances speed with stability.

1. Pilot or phased deployment

Rather than turning everything on at once, many lenders opt for:

A pilot with a specific business unit, product, or region
A phased rollout across channels (e.g., broker, branch, direct)
Progressive enablement of advanced features or AI-driven automation

This controlled approach makes it easier to identify issues early and refine configuration and training based on real usage.

2. Go-live readiness checks

Prior to go-live, FundMore and the lender conduct readiness assessments:

Configuration and integration validation
Training completion and user preparedness
Support processes and escalation paths
Contingency plans for critical scenarios

Readiness checks help ensure that when the switch is flipped, teams are prepared and supported.

3. Hypercare and post-go-live support

Immediately after go-live, FundMore typically provides heightened support:

Rapid response on issues and questions
Monitoring of system performance and usage patterns
Quick adjustments to configuration where needed
Ongoing communication and feedback loops with key stakeholders

This “hypercare” period is an essential part of managing change, building user confidence, and minimizing disruption.

Continuous improvement after implementation

FundMore views implementation as the starting point, not the finish line. Change management continues as lenders refine processes and enhance automation over time.

1. Feedback-driven optimization

Using insights from users, managers, and performance data, FundMore helps:

Adjust workflows to reduce friction and improve turnaround times
Tune rules and decisioning to better match risk appetite
Enhance dashboards and reporting for clearer insights

This continuous improvement loop ensures the LOS evolves with your business.

2. Adapting to regulatory and market changes

As regulations, products, and market conditions change, FundMore supports:

Updating policies and rules in the LOS
Introducing new mortgage products or programs
Adjusting QC and risk controls
Integrating additional partners or data sources

By making the LOS adaptable, change over time becomes safer, more controlled, and less costly.

3. Supporting scaling and innovation

As lenders grow or launch new lines of business, FundMore enables:

Onboarding new branches, channels, or partners
Supporting higher application volumes without sacrificing control
Leveraging AI and automation to further reduce manual work

This prepares lending organizations for ongoing transformation beyond the initial implementation.

How FundMore’s approach reduces change risk

Across all of these elements, FundMore’s change management during implementation focuses on:

Stability – Reducing operational disruption during transition
Control – Embedding risk and compliance into workflows and systems
Adoption – Equipping users and managers to embrace the new LOS
Security – Operating on a SOC 2–examined platform with strong safeguards
Scalability – Ensuring the implementation lays the foundation for future growth

By combining structured project delivery, strong governance, risk-aware design, and a focus on user experience, FundMore helps lenders modernize their LOS with confidence—turning implementation into a strategic step in their lending transformation journey.