Morning Snapshot
Here is your operational baseline for today.
Manager's Briefing
Friday, April 10Market is volatile today. Focus on our 24-hour turn times and reliable execution rather than getting into a rate war. Sell the SLA.
Market Drivers
- Data unavailable
Pricing Environment
No major market movements since yesterday's close. Sell the SLA.
Underwriting Turn Times
Initial UW is fully caught up. Clear to Close is running at 12 hours.
System Status
Encompass and Pricing Engine are online. No planned maintenance.
Rates & Pricing Playbook
How to frame pricing today
Brokers are price-shopping every file. Stop quoting naked rates. Frame every rate quote with our turn times and condition execution.
"We're sitting right around [Rate] today for top-tier conventional. More importantly, UW is turning files in 24 hours right now, so if you submit today we'll have an approval by Monday morning."
"Government execution is very aggressive right now. We're at [Rate] at par. Can you send me the 3.2 file so I can run it through our pricing engine to confirm exact credits?"
Broker Communication Scripts
The "Good News" Approval
Your file for [Borrower] just came out of UW approved. We only have [X] standard prior-to-docs conditions.
If you can get me those by [Time], I can have docs out to the title company today.
The "Bad News" Decline
Always call first before emailing
UW reviewed [Borrower], and unfortunately we can't make this work as submitted because of [Specific Reason].
However, if we can restructure it as [Alternative], I can get it done. Let me know how you want to proceed.
Escalation Matrix
| Scenario | Who to Contact | Required Info |
|---|---|---|
| Pricing exception request (< 25 bps) | Sales Manager | Loan #, competitor LE, relationship volume |
| Underwriting condition dispute | Regional UW Manager | Loan #, specific condition, guidelines citation |
| Rush to Close (Closing missed deadline) | Funding Team Lead | Loan #, Title contact info, time of closing |
My Team
| Name | Role | Status | Pipeline |
|---|---|---|---|
|
Sarah Jenkins
sarah.j@acmemortgage.com
|
Senior AE | Active Today | .2M |
|
Michael Chang
m.chang@acmemortgage.com
|
Junior AE | Active Today | .8M |
|
David Reynolds
david.r@acmemortgage.com
|
Junior AE | Offline | 50k |
My Profile
Alex Example
Sales Manager