The customer's file is ready, and now the round begins
You have the payslips, the ID, the tax return, the bank statement, you asked three times for the page that was missing and in the end it turned up as a crooked photo with a thumb in the frame
Now that same application has to be uploaded to the first lender's portal, then to the second, then to the third, and the data is the same, but each of them has its fields in a different order, its own list of attachments, its own way of naming things, so it isn't one job, it's three, and you do all three
The hours that go between one screen and the next
- The customer record retyped on every portal, name, tax code, address, data that is already written in the case management software
- Income, employer, length of service, amounts, copied out of documents you have already read and already understood
- Attachments to upload one at a time, renamed the way that lender wants them, in that format and under that file size
- The status of the application to check, so you log back into the portals to see whether anything has moved
- The missing documents to chase, and the list of who still owes you what, which you keep in your head or on a sheet of paper
What really grates is that your trade is working out which bank is the right one for that customer and getting the application through, and instead the day is eaten by copying
They won't give you a technical integration, and you don't need one
The lenders you work with won't open a direct channel into their systems, you're the one who logs into their portal with your credentials and fills in their screens, and that's the reason this part of the job looks impossible to take away
Muffin Suite works exactly like that, the system opens the screens and fills them in the way you would, without asking anyone for anything, and it's the house specialty, it holds for web portals and for the case management software you already have
Examples of what the system can do
These are examples of jobs the system can do, not jobs already delivered for some broker, we started recently and we'd rather tell you
- It reads the documents the customer sent you, pulls out the customer record, the incomes and the amounts, and fills in the file in the case management software
- It takes that file and retypes it on the first lender's portal, then on the second, field by field, attachments included, with the file names that portal wants
- It checks that the application is complete before it starts, and if a page is missing, or a date doesn't add up, it stops and tells you
- It logs back into the portals at intervals, looks at the status of the open applications and prepares your list of the ones that have moved
- It puts together the list of missing documents customer by customer, so you send the reminder without having to rebuild it every time
What stays with you
Everything that counts, the underwriting stays with the bank and nobody touches it, the choice of where to send that application stays yours, the relationship with the customer stays yours
The system does the mechanical steps and stops when something doesn't add up, it doesn't invent a value it can't find, it sets it aside for you and waits
How much autonomy to give it is up to you, at the start it's worth keeping it on a short rein, with more confirmations, then you widen it on the cases you have already seen work
Why it's worth it
The time you spend today retyping the same application onto three portals comes back to you, and in this trade time is applications, if you handle more of them with the same people you can do the sum yourself
You don't have to replace your software, the system uses what's already in front of you, and if you want to put your own numbers on it there's the page to work out the savings
How we start
I'm Antonio Fuccillo, I write the automations myself and I answer the messages myself, so you're talking directly to the person who does the work
You show me a procedure, a short screen recording with none of your customers' data in it is fine, I look at whether it can be done and I tell you the monthly fee before we start, that figure stays and you approve every addition yourself, if you'd rather understand the method first there's how it works, or write to me from the contact page