For loan providers
Meet the three I'd hire before another underwriter
Set each one up once. They just run.
Nothing goes to a borrower until you have read it.
The staff
Hire one, or all three. They hand work to each other, and every one of them is the same object with a different brief and different accounts attached.
Cass
Intake
CASS READS THE PACKAGE.
- Gmail
- Files
- Browser
Signed in once, and only for this company.
- Reads the application
- Lists what is missing
- Pulls the title and the liens
- Chases the borrower
the file that sat for a week
Sable
Credit
SABLE SIZES THE LOAN.
- Sheets
- Browser
- Files
Signed in once, and only for this company.
- Builds the exit
- Checks the comps
- Stress-tests the rate
- Says what it hangs on
the memo nobody wants to write
Rey
Servicing
REY WATCHES THE PAYMENTS.
- Sheets
- Gmail
- Calendar
Signed in once, and only for this company.
- Tracks every due date
- Flags a late one that day
- Drafts the notice
- Keeps the payoff current
the maturity I nearly missed
An hour of it, as it actually goes
One Hand, one job, and the part where it stops and asks. Not every shift log starts in the morning, and nothing below leaves the building until you say so.
Send the four? Kessler's is different from the rest — they asked first and I have used their own words back. Nothing goes out until you say so.
In your words
Things people actually ask
- “Which of our loans mature in the next ninety days, and which borrowers have not been contacted?”
- “Pull the title report on this file and tell me what sits ahead of us.”
- “Run the payoff on the Kessler note as of the thirtieth.”
Questions
The ones that come up first
Is this making credit decisions?
No. It does the legwork — reading the package, pulling the title, building the comparison, saying what the file is missing. The credit decision is yours, and everything it used to reach a recommendation has a source you can open.
Where does borrower data end up?
On your machine, in a folder you chose, as a plain SQLite file you can open and back up like anything else. We do not have a copy. If you would rather it never touched this machine at all, a Hand has its own computer by default and only reaches yours if you turn that on.
Nothing here is a template. It is the same Hands, briefed for this.