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Top Employer Spotlight: EMM Loans, LLC
ver the last several years the mortgage industry has become increasingly volatile, uncertain, complex and often ambiguous. Much like the world around us. To thrive in such an environment and to prepare for a future that might amplify some of these characteristics, EMM Loans has developed a high performing company culture. The EMM Loans culture centers on its customers. At some companies, having a large number of customers would be seen as the natural result of a high performing company. At EMM Loans that isn’t the result they strive for. They strive for more. EMM’s goal is to make Raving Fans of every customer, to convert them into evangelists that help spread the amazing loan experience. But their culture isn’t exclusively focused on external customers. They strive to create Raving Fans of all internal work groups as well. In a well-tuned company like EMM Loans, cultural traits are embedded throughout, creating success both internally and externally. Transparency and communication are two core cultural traits at EMM Loans. For example, the processing group keeps all participants in the transaction up to date with a timely status, proactively identifying any challenges, being the subject matter experts and working relentlessly to bring the file to the closing table expeditiously. The underwriting team strives to be consistent, collaborative and reliable. All teams work harmoniously together to deliver a Raving Fan experience unlike any other. Most important, every EMM teammate represents the face of the company, they are all brand ambassadors, trafficking the flow of internal and external communications. The management team recognizes that it is an integral part of the communications process. No ivory towers at EMM Loans. Communication is easy via their online portal, where employees and leaders can post shout-outs or quick words of thanks and offer recognition, rewards and kudos. Employees can also use this portal to ask questions or offer advice. It offers a transparent system that shares insight into what employees and management are thinking. Another pillar of the EMM Loans high performance culture is resiliency. Most people can work within the norm. Do what is expected. To create fans, you have to do the unexpected, you have to rise to the occasion and be willing to put in the extra effort. You have to find the insight that will allow you to complete the task at hand, even if that insight isn’t very apparent. You have to show the exceptional you. One Internal Raving Fan wrote: “I am absolutely blown away by the drive and professional manner in which this company runs. I have worked for at least nine different lending institutions in my 23-year mortgage career and no one even comes close to this operation.” An important component to EMM’s culture is empowerment. At EMM Loans they don’t worry about how many hours someone works, they worry about the accomplishments that come from those hours. They also understand that when someone is hired, it’s a human capital investment that goes both ways.
To empower and enable employees, EMM helps them learn and gives them access to support. Their online portal does just that, giving employees access to learning videos, documents, tech support, human resources and the ability to make requests from marketing. They offer one central repository of knowledge and support to help employees improve while also reducing the time needed to find what they are looking for. Employees at EMM Loans believe that what they do matters. That will always be the biggest boost to productivity. They realize that borrowers are counting on them to help realize their dream of homeownership. That’s a big responsibility. One that EMM and its people take seriously. To be a high-performance company one has to embrace technology and be able to adapt to innovation. After being relatively stagnant for years, technological change in the mortgage industry has accelerated greatly. EMM Loans welcomes these changes and views them as a chance to explore better ways of doing things. This intellectual curiosity is another quality embedded in its company culture. Sometimes how productive you are, depends on the tools you have. To find the right tools you have to experiment and learn. That is how EMM developed its EZ Path digital lending platform. It allows you to scale volume with guided consumer experiences, asset verification, simplified document collection, and more, giving sales everything, they need to get an applicant pre-approved in minutes from one intuitive interface while saving time otherwise spent on entering loan applications. EMM Loans also believes that inclusion is the gold standard of employee-centric and customer-centric companies. Their employees are part of a team. When one succeeds, they all succeed, when one fails, they all fail. To be part of a team, rather than just an employee, one has to be supportive, and accept support. To be included, and in turn, include others. And overall, to be part of a culture that supports and fosters a sense of belonging. At EMM Loans, everyone has a voice. Teammates at EMM Loans are lucky enough to have this sense of belonging. It’s the foundation of its mission, to spread the feeling of community. That is why they have a commitment to giving back. They support local charities like emergency food provider Cathedral Kitchen, national hunger relief organization Feeding America and the MBA Open Doors Foundation. Everyone wants to be their best. EMM Loans understands that the job is not only to help one be the best loan officer, underwriter or processor. Their core competency is to help its employees be the best they can be. By surrounding employees with a team of people that communicate freely, work smart, are empowered to act and to continuously learn. EMM Loans puts its employees, and the company, in a position to perform at their highest level. They are evolving into a high-performance company culture that will serve well moving forward.
If this sounds like the kind of company, you would like to be a part of, they would love to hear from you. www.joinemmloans.com NATIONAL MORTGAGE PROFESSIONAL MAGAZINE |
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