Underwriting Improvements

underwriting

improved acceptance rates

improved U/W times

Service Level Improvements

Reporting

Agent KPIs on board by team and agent

Time in queue reporting

SalesForce/System

Queue Management

Applications Return to Underwriter

Average Time gives estimated times to U/W

Queue Management system for Team LEaders

Agent Level ownership

consistency of underwriting

3y vs 5yr

Research on 3 vs 5yr data

Score card on 3y and 5yr to compare

5m samples set

All HP data

Automation Improvements

Equifax Score Card

automation of A and B

• Building interim "learning of manual decisions"
• Take risk on lend decisions mismatch to increase automation
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