OPENING DOORS... FOR YOU.

Transcription

1 OPENING DOORS... FOR YOU. All the components necessary to build a successful business are here... Jay Lewis, Mortgage Officer Competitive compensation plan with access to a comprehensive benefit package from a large employer census C O N T I N U A L focus on meeting closing dates/time Relationship Processing; formal structure but informal practices Loan Officer-friendly Loan Origination System (Encompass) Virginia-based fulfillment, e-signature capabilities Appraisal Desk-managed for prompt ordering and administration of issues while maintaining compliance with Appraiser Independence Rules Easily accessible Service Team Proven Production Assistant partnerships designed for growth Empowering Sales Culture its a grassroots effort that starts at the top... with the customer Unique organizational chart is inverted with the customer front and center of every decision Sales & Marketing Advisory Team: develops and tests new tools and tactics, shares best practices with entire team Union Mortgage Group s leadership team is approachable and accessible and once upon a time, they too were loan officers. So they understand the day-to-day business and the industry. They work hard for their team to streamline processes and implement new technologies to enhance your experience, and most importantly, your customer s experience.

2 THE INVERTED ORG CHART You either report to the customer, or report to some who reports to the customer. - J.G. Carter, President/CEO, Union Mortgage Group, Inc. Your Customer is at the Top! Processors, Underwriters, Closers, Production Support QC Team Capital Markets, Lock Desk Mortgage Loan Officers, Sales Managers Business Analyst Operations Manager Production Manager QC Manager Secondary Marketing Manager President/CEO, Union Mortgage Group, Inc. Corporate Support: HR, Marketing, IT, Finance, Legal, Risk Management

3 INNOVATIVE MARKETING, SALES & REFERRAL TOOLS Expansive Referral Network Reciprocal referral partnership with Bank Teammates, including Retail, Commercial Banking, Business Banking, Wealth Management; internal referral technology used across all lines of business Affiliate membership with local Home Builder s Association and the Board of Realtors Programs established to specifically build relationships with builders/developers (highly competitive C-P Program) Sales & CRM Technology MortgageMapp: your digital business card designed to leverage mobile technology to increase referrals Mortgage Re:Turns: your comprehensive Contact Relationship Management platform that pulls details from our loan operating system to generate relationship management, personalized marketing and reporting to encourage customer loyalty Personalized webpage for each Loan Officer, with online application capabilities Marketing Tools Lender Design: personalized marketing materials for customers and referral partners at your fingertips Monthly Sales Round-table discussions with your peers, focused on how to make more deals! Conversations focused on products, sales tips and best practices, and improving the partnership with our service team Extensive On-boarding Experience Designed to make the transition as seamless as possible for you, your referral sources and your customers Marketing efforts to make your arrival a BIG DEAL, both internally and externally Formal orientation program: Mortgage Team Full Day + Bank Team Full Day

4 OPENING DOORS... FOR YOUR CUSTOMERS. What you have to offer your home-buying and home-building customers (and refinance-ers too!) at Union Mortgage Group: 100% financing low-to-moderate program uniquely named STAR, meaning Steps Toward Achieving Results (VA only) 100% financing Medical Professionals Home Loan Program, no PMI (VA only) 95% LTV Construction Permanent products, coupled with an experienced team to administer closings and construction draws Continuously expanding the builder/developer partnerships to tap existing credit line relationships into preferred lender status for permanent mortgages Piggy-back HELOCs and synthetic jumbos up to 95% TLTV Traditional and conventional programs standard fixed and ARMs, FHA, VA and VHDA Our suite is unique... you have the outlets and options of correspondent lending with the benefits of bank portfolio niches.

5 THE ICING ON THE CAKE* Access to group-discounted medical plans, including health insurance, prescription drug coverage, dental and vision Flex Credit - Company s contribution towards medical insurance to help offset the cost when enrolled in a Union medical plan Wellness Credit - Ability to earn additional credits, incentive for good health Basic life insurance provided to commission-based teammates, $50,000 the first year of employment; non-commission-based teammates receive one times annual base salary Flexible Spending Accounts - Healthcare and Dependent Care Reimbursement Long-term care offered as an optional teammate-paid benefit, premiums are priced at group rates Short Term Disability (company-paid benefit available after one year of employment) and Long Term Disability (teammate paid benefit that begins after 90-days of service) Retirement Plan/401(k) up to 3% company match for every one dollar contributed by Teammate, plus $0.50 for every dollar on contributions greater than 3%, up to 5% (max 4% of pay) Paid Time Off PTO (paid time off), 16 hours paid volunteer time (annual), 10 federal holidays, bereavement leave Tuition Assistance available Exclusive Teammate Checking account and other bank services Teammate Referral Program *This is a brief summary of benefits avaialble to aligible Union Mortgage Group Teammates. This summary does not replace plan documents or summary plan descriptions. Benefits are subject to change as directed by Union s Management. Benefit eligibility is based on the number of regularly scheduled hours and Teammate classification.