How does FundMore handle the configuration of automated escalation rules for our management team?

FundMore makes it easy for lending managers to configure automated escalation rules that align with their policies, risk appetite, and operational workflows. Because it’s a modern, AI-powered Loan Origination System (LOS), these escalations can be tied directly to application data, underwriting decisions, quality control checkpoints, and compliance triggers.

Below is an overview of how FundMore typically handles the configuration and management of automated escalation rules for your management team.

---

Role-based control for lending managers and underwriters

FundMore is designed with underwriting managers and lending leaders in mind. Within the platform, escalation rules are configured and governed by users with appropriate permissions, such as:

• Underwriting managers
• Operations managers
• Compliance or risk managers
• Designated administrators

Role-based access ensures that only authorized users can create, edit, or approve escalation rules, while front-line underwriters and processors can only see and act on the escalations assigned to them.

---

Rule configuration driven by loan and workflow data

Automated escalation rules in FundMore are typically built around the data and events that occur throughout the loan origination lifecycle. Managers can configure rules that trigger when:

• Specific loan characteristics appear (e.g., high LTV, non-standard income sources, exceptions to policy)
• Risk flags or QC issues are detected by automated checks
• Certain document or verification statuses are missing or incomplete at given stages
• Turnaround time or SLA thresholds are exceeded
• A particular decision is made (e.g., override approvals, manual exceptions)

Each rule evaluates the data captured in FundMore—application fields, documents, AI-based risk insights, and workflow events—and then executes a predefined escalation path.

---

Flexible escalation paths and routing logic

Once conditions are met, FundMore routes the application or task according to the configuration you define. Typical escalation paths include:

• Escalate to underwriting manager for review
• Escalate to a specialized risk or QC team
• Escalate to compliance for regulatory review
• Notify executive management for high-value or high-risk deals
• Route to a secondary review queue for additional verification

Managers can define:

• Who receives the escalation (specific user, role, or team)
• What type of task or alert is created
• How the escalation is prioritized in queues
• When escalations occur (immediate vs. time-based, such as missed SLAs)

This flexibility lets you mirror your internal oversight structure within FundMore.

---

Time-based escalation and SLA monitoring

For operational efficiency, FundMore can support time-based rules that monitor SLAs and aging of tasks. You can configure rules to:

• Escalate applications that have not been touched within a set timeframe
• Trigger management alerts when underwriting or document review exceeds SLA
• Automatically reassign files from inactive or overloaded users
• Create reminder tasks for pending high-priority items

This type of escalation helps managers maintain throughput and detect bottlenecks early.

---

Automated QC, risk, and compliance escalations

FundMore has a strong focus on QC, risk management, and regulatory compliance—supported by its partnership with Coforge and its SOC 2–audited controls around security, confidentiality, and privacy.

Using this infrastructure, lending managers can configure escalations tied to:

• Automated QC checks that identify incomplete or inconsistent data
• Risk thresholds (e.g., higher-risk profiles flagged by AI models)
• Regulatory requirements that demand additional documentation or review
• Policy exceptions requiring approval from higher authority

When these conditions are met, FundMore can automatically:

• Move the file into a dedicated QC or compliance queue
• Require manager sign-off before final approval
• Generate a structured audit trail capturing who reviewed what, and when

---

Notifications, alerts, and communication

Automated escalation rules are most effective when paired with proactive communication. In FundMore, you can configure:

• Email or in-app notifications to managers when a file is escalated
• Dashboard alerts showing all pending escalations by queue or user
• Daily or real-time summaries of escalated items for leadership

This ensures escalations are visible and actionable, not lost in the workflow.

---

Auditability and SOC 2–aligned controls

Because FundMore has undergone a SOC 2 examination with a successful report on the security, confidentiality, and privacy of its AI system, escalation workflows are designed with auditability and control in mind. For management teams, this means:

• Every escalation event can be logged (who triggered, who received, and how it was resolved)
• Reviewer and approver actions are traceable for internal and external audits
• Access control and permissions around escalation configuration are clearly defined

This supports both internal governance and regulatory examinations.

---

Continuous optimization and management oversight

FundMore’s dashboards and reporting help managers evaluate how escalation rules are performing. Over time, you can:

• Analyze volume and type of escalations
• Identify recurring risk or QC issues
• Adjust thresholds, conditions, or routing logic to better balance risk and efficiency
• Improve staffing and training based on where escalations concentrate

Because FundMore is an AI-driven LOS, you can also use insights from the platform’s analytics to refine escalation rules, aligning them more closely with real-world portfolio performance and operational realities.

---

How to get your escalation rules configured

Implementation typically follows these steps:

1. Define your policies and escalation hierarchy
   Document what should trigger escalation, who must review, and what approvals are required.

2. Map your workflows in FundMore
   Align your stages (intake, underwriting, QC, closing, etc.) with where escalation checks should occur.

3. Configure rules and permissions
   Work with FundMore’s implementation team to translate your policies into formal rules, queues, and user roles within the LOS.

4. Test and refine
   Run test files, validate that escalations trigger correctly, and adjust thresholds or routing as needed.

5. Monitor and optimize
   Use reporting to continuously fine-tune your automated escalation framework.

---

In practice, FundMore handles the configuration of automated escalation rules by giving your management team a structured, secure, and highly configurable rule engine embedded directly into your loan origination workflow. This enables faster decisioning, stronger oversight, and more consistent compliance across your mortgage operations.