Operations map
Workflow
How loans flow today, who owns each stage, and what every role does
Process stages
12
end-to-end
Stage tasks
33
across all stages
Roles
6
team roles
Responsibilities
43
documented duties
Disclosures
3d
after application is live
Loan Officers (LO)
Origination & Relationships
Interview the client to complete the URLA.
4 responsibilities
Loan Officer Assistants (LOA)
Loan Officer Support
Complete or review the 1003 without an address; pull credit if needed.
10 responsibilities
Production Assistant (PA)
Operation Setup
Send the Mini Package, order the Fraud Alert and order title.
3 responsibilities
Loan Processor
Processing & Compliance
Review the program and return to the LO if something does not make sense.
16 responsibilities
Underwriter (UW)
Credit Review & Decision
Review the loan against the guidelines.
6 responsibilities
From application to closing
Start
Pre-qualification
Deadline
Initial disclosures in 3 days
Review
Deposits above 50% of income
Finish
Closing
Source: Broker_Loans_-_Cronograma.xlsx