"How can we make this loan work?" Huh,? Come again? What was that? Are you for real?.....
Pros
Below is basically the email thread on my first file when I got here... LO: "I'm not sure about this, I believe we have a deal killer here" Processor: "Let me see, remember we work of findings, we don't need scripts if we use Homeside product" U/Wrtr: "No problem guys, I can work with it, can you give me an extra stub supporting 40 hours?" "Findings only call for last 30 days, give me an updated stub (day before closing) and I'll clear everything except this." "However, if this stub doesn't support at 38.5 hours deal is a no go until the borrower gets another paycheck supporting cumulative average of 38.5 hours" "Sound good? Is this a fair compromise?" LO: "Wow! For real? Are you kidding? - What have I been missing for the last few years?" "No way this gets done like this at the other place?" Processor: "I told you! She ROCKS! Now get back on the phones and go sell" LO: "Still can't believe this. Thank you U/Wrtr, thank you Processor." "You guys just made the buyer's day, and mine." "I thought we were dead. Thank you so much." "Is this really the approach around here or is this just because it's our first file?" U/Wrtr: "Happy to help. Yes this is what we do here, we ask better questions so we get better answers and results." "This is one of the nice things about the HS 1st & 2nd product line, 49.996 is go unless DU says no." "Again, there's absolutely no wiggle room at all, if the stub doesn't come back at 38.5 hours or more, I will not clear it. The borrower would need to wait the week and then they must show even more hours to make up any difference." "I find we get better results by asking "How?" instead of "Why?" so, no it is not because it is the first deal for you." "Welcome to the team we are happy to have you here. If there is anything we can to help just let us know."
Cons
Hard to say at this point. Just getting set in, so far so good. Little nuances here and there but overall seems fine. HR people have been very kind and accommodating. Perhaps the only thing and it's minor would be that there was not enough Margarita mix left in the kitchen a few Fridays ago to make another round for the office. :) Almost feels weird, I've only heard about stuff like this, it feels like a start up, the job is fun again. The culture is definitely unique.
