Genderneverdeterminesanindividual’sleadership
abilities.Instead,organizationsmustassess leadershippotentialbyevaluatingindividual strengthsandpersonalitytraits.Regardlessofthetypeof business,you'rerunning,oreventheindustrythatyou're operatingin,tosaythatstrongfemaleleadersareimportant issomethingofanunderstatement.Intruth,they'reessential -notonlyforprovidingamuch-neededperspectiveonthe directionthatabusinessistakingbutalsointermsofthe typesofqualitiesthattheybringtothetablethatyou're unlikelytofindanywhereelse.
Oneofthemostinvaluabletraitsthatleadersbringtothe tableistheirsenseofawareness.Theytypicallytrytolook atthebiggerpicturefirst,butthenbreakasituationdown intothefinerdetailstoseewhatisreallygoingon underneath.Theytendtoattempttounderstandasituation asorganicallyaspossiblebyaskingtherightquestionsat therighttime,ratherthanbendingasituationtotheirown will.
Tobeagreatleader,youmustnotlimityourselfto becominganexpertinyourownindustryonly.Good leadershavetheabilitytoseewhatbiggerroletheyhaveto play Theytakethetimetolookatthebiggerpictureand figureouthowtheycanberelevant.Womenalwayslook aheadandwaystogetopportunitiesforthemselvesand others.
Womenhaveavision,whichallowsthemtostayaheadand beaninspirationtootherpeople.Andso,itisn’tsurprising thatwhenitcomestomakingillustriouscareermoves,you canalwayscountonwomentoknowwhattheyaredoing andwhattheywanttoachieve.
Theseresilientleadershavebeenimmenselycontributingto enablingtransformationsinthemodernindustrialsector;
themortgageindustryisnoexception.Thesegmenthas seenadefinitiveriseinthenumberofinfluentialleaders makinghugestridesinthefield.
Indulgingintheinnovationsoftheseresoluteleaders, InsightsSuccess,throughitslatestedition,“TheMost InfluentialLeadersinMortgageIndustry-2023,” highlightsthecharismaswhoaresymbolizingexcellence andtransformingthefacetsofthemortgagesector
Flip through the pages and have a Wonderful Read!
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Art & Design Director Associate Designer Sihanee M., Rouniyar A. Peter Collins
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SME-SMO Executive Sagar L.
Research Analyst
Frank Adams Circulation Manager Robert Brown Stella Andrew David Stokes
Database Management Technology Consultant
March, 2023
FeaturedPerson
AmySlotnick RegionalSVP MortgageAdvisor
Hemanthkumar Jambulingam DirectorofProduct Management
JackLittle AreaManager
MichelleWilde
DivisionalVice PresidentFairwayIndependent MortgageCorporation
Tavant tavant.com
GatewayMortgageGroup gatewayfirst.com
OrionLending orionlending.com
Amyhasadeepunderstandingofboththecreativeand businessofmakingandsellingfilms.
HemanthKumarmanagesproductsacrossTavantVELOX lendingsuiteofplatformsandheisresponsibleforproduct innovation,go-to-marketstrategyandoverallproductlifecycle management.
Jacktakes greatprideinhelpingfirst-timehomebuyers navigatetotherightmortgagetomeettheirspecificneeds.
Michelle’sthirtyyearsofindustryexperienceledtoaposition asaDivisionalVicePresidentofOrionLending.
Hemanthkumar Jambulingam Director of Product Management Tavant
I created the disruption in the Loan manufacturing process; instead of following the year-old traditional process of underwriting the loan to a specific investor, why don’t we upfront check if the loan can qualify for multiple investors.
ArtificialIntelligencehasreachedtheshoresof antiquatedindustrieslikemortgagelending.Itis bringingaboutadigitaltransformationofthe sector.Oneoftheindividualsdisruptingtheindustrywith innovativeproductsisHemanthkumarJambulingam.
HemanthkumaristheDirectorofProductManagementat Tavant.Tavantisadigitalproductsandplatformcompany thatprovidesimpactfulresultstoitscustomersacrossNorth America,Europe,andAsia-Pacific.ItiscreatinganAIpoweredintelligentlendingenterprisebyreimagining customerexperiences,drivingoperationsefficiencies,and improvingcollaboration.
Hemanthkumarisspearheadingthedevelopmentof Tavant’sTouchlessLending®suiteofproductsandhas focusedonbuildingenhancedandnext-genAI-powered digitaltransformationplatformsforLoanOriginationand LoanServicingbusinessareasspecifictocustomer acquisition,customerconversion,customermanagement, andcustomerretention.
Inanexclusiveinterviewwith Insights Success, HemantkumarJambulingamshareshowheisdisrupting years-oldmortgageprocessesbybuildingnext-genproducts andplatforms.
Below are the highlights of the interview:
Brieflydescribeyourprofessionaljourneyupuntilnow.
IamtheDirectorofProductManagementandoverseea largepartoftheproductdevelopmentforTavant’s TouchlessLending®platform.Iamresponsibleforgiving lifetomostoftheprominentofTavant’sproducts, includingTouchlessExperienceandTouchlessAutomation products,whichhavebeendeployedbytheconsumer, retail,andwholesalechannelsfornotonebuttwoofthe largestindependentMortgageBankersintheUS.
MyportfolioalsoincludestheDecisionAnalysisproduct, whichallowslenderstoachievefungibilityacross GovernmentSponsoredEntitiesandNon-QMInvestors. WithSmartProcessorandSmartConditions,Iam disruptingthewholeconditionsmanagementlifecyclethat plagueslenderstodayasoneofthemostinefficientmanual processesthatunderwritersandprocessorsonaloanjuggle tryingtoconvergeonaloan’sfulfillment.
Havingspent18yearsinthemortgageindustry,Iamadept
atboththeLoanOriginationandtheLoanServicingsideof thehouseandmovefromonedomaintoanother effortlessly.I,therefore,finditeasytogoandtalkabout marketanalysis,businesstrends,productoverviewto existingcustomersandprospectiveclients,takingthem throughatourdeforceofbusinesscase,growthplan,ROI, featuresandfunctionality,highlightingthedigitalpathways ofthemortgageborrower’sloanapplicationjourneyinone productandthentransitioningoverseamlesslytothesame borrower’spost-fundingexperienceastheypayofftheloan inamultitudeoftouchpoints.
Whatchallengesdidyoufacealongtheway?
Themortgageindustry,andmorespecifically,loan originationisanarchaic,traditional,decades-old,legacy process.Yearshavepassed,buttheprocessandprocedures remainthesamewithoperationalstaffstillfollowingthe processingstepsdefinedaslegacy
WithTouchlessLending’sDecisionAnalysisproduct,we focusedonaspecificprocessarea.Wedisruptedtheend-toendAutomatedUnderwritingSystem(AUS)ordering, handling,andpost-processingactivitiesforthegovernment agencies.DecisionAnalysisisthefirstproductinthe marketthatbroughtawarenessofhowtoutilizeautomation tothefullextentandusedatainsightsfromtheAUS findingstodeterminethebestoperationalandpricing executionfortheloanfactoringinthecomplexityofthe loanandthecorrespondingdocumentrequirements.
Itmightbesaidthataproductthatbringssuchlevelsof disruptiontoanentrenchedhistoricalprocesswillneverbe fullyadoptedonitsimmediatelaunch,andtherefore,ittook alotofeffortandcaretoincreasecustomeradoptionsothat theycantrulyappreciatethebusinesslifttheygetattheend oftheday,andconsequently,wecancreateasuccessstory fortheproductinthemortgageindustry
People,Process,andProduct–allthreemustalignto promoteandmaketheproductsuccessful.
Whatsignificantimpacthaveyoubroughttothe Mortgageindustry?
AsadirectorproductmanageratTavant,Ihavebeen fortunatetomanageseveralproductsinTavant’sTouchless Lending®platform.ThisAI-PoweredLending-as-a-Service platformprovidesstraight-throughmortgageprocessingand automatedunderwritingaspartoftheend-to-endmortgage manufacturingpipeline.Loanofficers,processors,and
People, Process, and Product – all three must align to promote and make the product successful.
underwritersutilizeTouchlessLending’soptimized workflowstoengagewithdataandmakedecisionsfaster, insteadofrelyingonphysicaldocumentationandmanual dataentry
Thisone-of-a-kindautomatedmortgagesoftwaresolution allowslenderstooriginatemoremortgagesfasterwhile reducingcostsandrepurchaserisks.TouchlessLending integrateseffortlesslywithexistingsystems,including CRMs,POSs,LOSs,andautomatestheloanproduction process.AspartofmyProductManagementstrategy,I alwaysfocusonstudyingthecurrentprocess,understandits low-levelnuances,andgodeepertoteaseoutinsightson transformingandeventuallydisruptingitdigitally.
Whatmethodologiesdoyouimplementthatcontribute tonewgrowthopportunities?
IcreatedthedisruptionintheLoanmanufacturingprocess; insteadoffollowingtheyear-oldtraditionalprocessof underwritingtheloantoaspecificinvestor,whydon’twe upfrontcheckiftheloancanqualifyformultipleinvestors sothatitincreasesthesalabilityandfungibilityfortheloan.
DecisionAnalysisservicewillautomaticallyruntheGSE /multi-investorrules,auto-resolvedataerrors,data discrepanciesandanalyzethemulti-investorrequirement andcreatetheloanfilefungibleforalltheinvestors. DecisionAnalysisalsoimprovestheloandataqualityand enhancestheoverallloanoriginationexperience;expanded productchoicesenablelenderstodeliverafrictionless originationexperienceforBorrowers,LoanOfficers, Underwriters,andCapitalMarketteams.
DecisionAnalysisservicereducestheoriginationcostsby comparingmulti-investorresponses,utilizinginvestors’ dataanddocumentationrequirementstoenablespeedto close(reducingloancycletimebydaysandweeks).
Automatedconditionswilltransformmulti-investor-specific requirementsandlender-specificrequirementsinto conditionsandthenauto-classifytheownerandthe responsiblepartyforeachcondition,definethecomplexity, acceptabledocuments,andauto-satisfythe requirement/condition.
TellusaboutTavantanditsfoundationpillar.
Tavantisaproductsandservicescompanyproviding impactfulresultsforcustomers-partnersacrossawiderange ofindustriesandverticalsincludingFinancialServices: RealEstate/Proptech,Banking,andLendingwith comprehensivestrengthacrossdepthandbreadthofthe MortgagedomainwithadditionalexpertiseinMediaand
Entertainment,Manufacturing,andRetailfromadigital transformationperspective.
LocationsincludegeographicalareasofNorthAmerica, Europe,Australia,andAsia-Pacific.Tavantspecializesin providingengineeringservicestoenablethehighestorders ofdigitaltransformation.Foundedin2000with headquartersinSiliconValleyanddevelopmentandproduct supportcentersinDallasandothergloballocations,Tavant isdrivenby3000+passionateprofessionalshighlyskilled intheirrespectivedomains.Tavant'sdomain-focused productmanagersanddesigners,productengineers, technicalarchitects,softwareandqualityassurance engineers,projectandprogrammanagers,businessanalysts andsubjectmatterexpertsallbringawealthofhands-on expertiseandexperiencetodriveourcustomers’visionand businessoutcomes.
Tavantfollowsa“DigitalFirst”approachandstrategyfor developingservicesandproducts.“DigitalFirst”impliesa customer-first,mobile-first,data-first,AI-first,automationfirst,collaboration-first,API-first,transformativeapproach todesignanddevelopment.
Whatisyourtakeontechnology’simportance,andhow areyouleveragingit?
Ibelievetechnologyisthemostcriticalsaviorforthe mortgageindustry’swoes.Theindustryisinundatedwith
Tavant follows a “Digital First” approach which implies a customer-first, mobile-first, data-first, AI-first, automationfirst, collaboration-first, API-first, transformative approach to design and development.
inefficientprocesses,withhumansplayingpingpongwith loanfilesacrossmonthsandwithriversofpaperflowing througheverymortgageloanapplication.Thecostto originateonemortgageisnorthof$10,000.Weneeda digitaltransformationwavetothehittheshoresofthis industryandhititdeepandwide.
AtTavant,givenourexperienceinotherindustriesthat havetrulyreapedthebenefitsofdigitizationandtechnology (manufacturing,media,retailandhealthcare),weare determinedtobringthebenefitsofsuchdigitalcreativityto themortgageindustry Wehavesuccessfullyincorporated AIandMachineLearningmodelsintoourproductsfora judiciouslychosensetofusecases.Wehavedeployed Blockchaincapabilitiesinourplatformsforafundamental shiftinhowdataisselectedanddistributedtootherplayers inthemortgagemanufacturingecosystem.
Whatwillbethenextsignificantchangeinthemortgage industry,andhowareyoupreparingforit?
Intheworldofdigitallending,themostchallengingitems lendersdealwithisanalyzingtheborrowerdataand makingtherightcreditdecisionbasedonit.Withthe traditionalborrowerevaluationapproachesbecoming outmoded,lendersneedtoconsiderfullydigitaland automatedunderwritingapproachestogaugerisksquickly andaccurately.
Withtheriseofbigdata,creditdecisioninggetsalotmore
granularandaccurate.So,thelackofdataforanalysisis nottheproblemanymore.Thedauntingtaskistoseeka sophisticatedsolutiontogetalltheneededinsightsfrom thisdatainamatterofseconds. Lendersneedtofocus moreongleaninginsightsfromthehumongousamountof datageneratedfromdigitalchannelsandleverageitfor differentiatedexperiencedesign.
Lendershavealwaysleverageddatapointstohelpthem makedecisions.Still,next-gentechnologynowallowsthem anenterprise-wide,360-degreeviewofborrowersaswell asthelendingoperationwhileenablingthemtomakebetter decisionsandseekadvantageofpreviouslyunrealized opportunities.
Whatareyourgoalsintheupcomingfuture?
Themortgageindustrywillundergomajorchangesinloan origination,servicingandsecondarymarketingandthese changeswillbefundamentallydisruptive.Fintech companieswillinducemoredatatransparency&insights, digitalizationofdataandprocessautomationwiththeuse ofAIandMachineLearningtechniques.Withthenext generationofFintechfirms,fundingtheloanwillnotjust betheloanapplicationprocessbutextendtoenabling borrowerstomanageandmaintainhomeequity,connecting borrowerfinancialdatawithdigitalpaymentsandsmart hometechnologies,etc.
IwouldliketoleadsuchFintechfirmsandeventually, enableaffordablelendingandcreatemorehomeowners,and intheprocess,buildastrongerAmericaneconomy
Whatadvicewouldyouliketogivethenextgeneration ofaspiringbusinessleaders?
Everydayinlife,thereisalearningwaitingtobefound, andweshouldmaketheselearningscount–Asbusiness leaders,youshouldalwayspayattentiontodetail, understandtheprocess,themarket,thepeople,theculture, deeplyandwidelyandknowhowtheycometogetherto makelifework.
Alwaysquestionthestatusquo,neverbeafraidoffailures; learnfromyourownandother’smistakesandalwayslook fororcreateopportunityforyourselfandothers.
Thereisasayingthatpeoplebuyintotheleader
beforetheybuyintothevision.Ifyouwantto affectchange,itmakessensethatpeoplemusttrust youandthewayyouseetheworld.Buildingthis foundationisacriticalstepinbeinganeffectiveloan officer
Thrivingwithresoluteleadershiptraitsanddeveloping immensetrustwithclients,AmySlotnickexcelsasoneof theinfluentialleadersinthedynamicmortgageindustry.
Amyiscommittedtoenablingcontinuousimprovement. Sheisasourceofinnovationasshethrivestoidentifythe processesthatneedre-engineeringandimplementsthe changesneededtobringaboutincreasedefficiencyand accuracy Withthisskillset,Amyisnowworkingas RegionalSVPandMortgageAdvisoratFairway IndependentMortgageCorporation.
InanexclusiveinterviewwithInsightsSuccess,Amy sharesherprofessionaltenureandhighlightsherchallenges alongwithsignificantachievementsintheniche.
Below are the excerpts from the interview:
Brieflydescribeyourprofessionaljourneyupuntilnow.
IstartedinthebusinessinOperations.After5years,I becamealoanofficer.Overthecourseofmycareer,Ihave managedOperationsteams,SalesTeamsandownedmy ownbusiness.IjoinedFairway16yearsagoandfoundthe perfectfitformybusinessgoals.
Whatchallengesdidyoufacealongtheway?
Iamfortunatethatmycareerhasbeenwellsupportedby
mycolleaguesandfamily.Mostchallengeshavebeen aroundbalancingthe24/7demandofthesalessideofthis professionandfamily.
Whatsignificantimpacthaveyoubroughttothe Mortgageindustry?
Forthemajorityofmycareer,myfocushasbeenon educationforclients,businesspartnersandcolleagues. Withabackgroundinunderwriting,Iamabletobringan understandingofthe“why”wedothingstomyclients, whichmakestheprocesssmootherforthem.Ialsohost frequenttrainingsformyrealestatepartnerstohelpthem betterunderstandourindustryandshowthemhowworking withatruepartnercanhelpthemgrowtheirbusinesses.
TheyknowthatifItellthemaloanwillwork,thenit works.Additionally,Ihavespentmanyyearsteachingand coachingnewloanofficersonLoanOrigination101.Iwork withclientsandmycolleaguesinawaythathelpsthem besttoachievetheirgoals.
Whatmethodologiesdoyouimplementthatcontribute tonewgrowthopportunities?
Ihavebuiltmybusinessinbecomingalifelongtrusted advisorformyclients.Theyknowourrelationshipdoesnot endwhenthecurrenttransactioncloses,andtheyandtheir familiescanalwayscomebacktomewithfuturequestions.
Westayintouchthroughemail,socialmediaandyearly mortgagecheckupappointmentssothatIamalwaystopof mind.Thishashelpedmetocontinuebuildingrepeat businessandclientreferrals.IamfortunatethatIamnow helpingmanyofthechildrenandgrandchildrenofmypast clients.
TellusaboutFairwayIndependentMortgage Corporationanditsfoundationpillar.
Fairwaywasfoundedontheprincipleofprovidingtrue servicetoourcustomersanddoingittheFairWay.The customerisboththeloanofficerwhoworksforFairway andtheactualmortgageclient.OurcorevaluesstressSpeed toRespondandthatisexecuteddaily
WearenationwideandhavebeenvotedtheBestPlaceto Workforthemostrecentthreeconsecutiveyears.
Fairwayhastwononprofits.Oneisfocusedonproviding supporttoVeteransandtheothertoouremployeesandtheir family/friendswhoarefacedwithlife’schallenges–particularlyaroundmajorillnesses.
Whatisyourtakeontechnology'simportance,andhow areyouleveragingit?
Ithinkthattechnologyisimportantofcourse.Thereareso manytoolsavailabletoloanofficers.Itisaboutdefining whichtoolsbestfitthewayyoupracticeyourbusiness.I havebeendoingthisjobfor40years.
Istillbelieveintakingapplicationspersonallytobuild relationshipswithmyclients;however,wenowimplement
technologytostreamlinetheprocessforourclientsinaway thatisconvenient,smoothandsecure.
Whatwillbethenextsignificantchangeinthemortgage industry,andhowareyoupreparingforit?
IwishIcouldpredictthat.Whiletechnologycontinuesto adaptandgrow,Idonotbelievethattheloanofficerwill everbefullyreplacedbyit.Theneedtoconnectwith peoplepersonallyastheypursuehomeownershipistoo important.
Thereisstillalotofgreyindeterminingmortgage eligibilityand,assuch,Idon’tthinkthattechnologycan everfullyreplacethehumanbrainandthehumantouch.
Whatareyourgoalsintheupcomingfuture?
Iwouldsaythatmygoalsaretocontinuetosupportthe growthandambitionofthosewhoworkwithme.Iwould liketocontinuetooriginateloanswhilesupportingmy staff.
Eventually,Iwouldliketostoporiginatingandjustworkin ourcoachingplatformwhilemypartnerscarryonthe legacythatI’vebuilt.
Whatadvicewouldyouliketogivethenextgeneration ofaspiringbusinessleaders?
Therearebossesandthereareleaders.Beingaleader meanslisteningfirstandspeakingsecond(sometimes third).Youneedtoleadbydoingandshowing,andnotby tellingandexpecting.Technologyisnotasubstituteforthe humantouchandthehumanheart.Leadersneedtobe compassionateandcaring.Leadwithpatience,with calmnessandwithintent.
Fairway was founded on the principle of providing true service to our customers and doing it the Fair Way.
MichelleWildehasestablishedherselfasoneof themostinfluentialleadersinthemortgage industrybydrawingonunderwriting, managementandsalesskillsearnedoverthreedecades.
In2016MichellebecameaDivisionalVicePresidentat OrionLending,helpingtheorganizationrealizeitsgoalof beingoneofthenation’sleadingresidentiallenders.
OrionLendingisaNationwideMortgageBankerfounded byprovenindustryleaderswhobringalegacyofsuccess andambitiontotheMortgageBankingindustry. www.Orionlending.com
OrionLendingcombinesinnovativetechnologywithawide arrayofproductsandcompetitivepricing.Thisenablesa largenetworkofbrokerstogrowthroughreferralbusiness andsatisfiedclientele.
WecaughtupwithMichelleWildeanddiscussedher professionaljourneyandhowsheimplementsher experienceatOrion.
Below are the highlights of the interview:
Brieflydescribeyourprofessionaljourneyupuntilnow.
Ienteredthemortgagebusinessin1992andworkedat everylevelofthecompanythroughoutmyfirsttenyearsin themortgageindustry.Beforejoiningwholesalesales,Iwas anUnderwriterandanUnderwritingmanager.I'vewatched theindustryevolvethroughmanycycles.In1992I wouldn'thaveimaginedthatIcouldbeaDivisionalVice Presidentofanationwidewholesalecompanyasyoudidn't seemanywomeninleadershiproles.I'vebeenwithOrion
Lendingforsixyears,andI'mproudtosaywehavemany womeninleadershiproles.
Whatchallengesdidyoufacealongtheway?
Intheearlyyears,Iwaspigeonholedintotraditionally femaleroles.Ihadtoworktwiceashardasmymale counterpartsintheearlyyearstoearnrespectand opportunities.Inrecentyears,thechallengesbecame learninghowtogrowandchangeastheindustrychanged.
Whatsignificantimpacthaveyoubroughttothe Mortgageindustry?
Throughoutmycareerandespeciallyinmanagement positionsI’veadvocatedadvancinganyonewillingtowork hardandlearn.Thereisn’tadaythatpassesthatdoesn’t provideopportunitytoimpartwisdomandsecretsI’ve learnedfromcountlessmentorsontoournextgenerationof mortgageprofessionals.I'vetaughtthevalueofrelationship buildingtoeveryoneImentor.
Whatmethodologiesdoyouimplementthatcontribute tonewgrowthopportunities?
Wearealwayslookingfortherightpartners.Inthis industry,thereareclientswhowantmutualsuccessand partnerswhoareonlylookingoutfortheirsuccess.We pushforclientsthatwanteveryonetosucceed.
TellusaboutOrionLendinganditsfoundationpillar.
OurfoundingPillaris "We See It, We Own It, We Solve It." AtOrionLending,weapproacheverysituationwiththe mindsetofquicklyaddressingandresolvingwhatever
By combining innovative technology with a wide array of products and competitive pricing to assist its network of brokers in growing and developing its referral business and clientele, Orion Lending's primary goal is to satisfy its customers.
challengesarise.Thereisnothingthatis“notmyjob.” Everyoneworkswiththesamespirit.
Whatisyourtakeontechnology'simportance,andhow areyouleveragingit?
I'mafirmbelieverthatTechnologywillbeessentialto everycompanyin2023inthemortgageindustry.Every companyshouldbeinvestingintechnology AtOrion,we haveinvestedinsomeofthebesttechnologyinthe industry
Whatwillbethenextsignificantchangeinthemortgage industry,andhowareyoupreparingforit?
Thefutureofmortgagesisfindingwaystobemore profitablewithfewercosts.Onlythroughqualitypeople andfantastictechnologycanyouplantosucceedinthe futuremortgageindustry
Whatareyourgoalsintheupcomingfuture?
MycurrentgoalsaretoincreasethesuccessofthepeopleI mentor.Ifirmlybelievethathelpingotherssucceedisthe mostimportantthing.
Whatadvicewouldyouliketogivethenextgeneration ofaspiringbusinessleaders?
Learnyourtrade.Theyoungergenerationislookingforthe quickestandeasiestwaytodoeverythingwithoutlearning whythingsaredone.ThesamewaytheBoomerslearned thattheReadersDigestVersionwon’tcutitonchallenging loanscenariosthenextgenerationneedstolearnthatjust linkingtotheclickbaitisn’tgoingtogetthemthewhole story Tosucceed,youmustslowdown.Learnyour guidelinesandwhythingsaredonethewaytheyare.Only thencanyoulookforopportunitiestoimproveonwhatwe donow.
