This edition features a handful of Mortgage Industry business leaders across several sectors that are at the forefront of leading us into a digital future.

1. www.insightssuccess.com
Hemanthkumar Jambulingam
Director of Product Management
The Most
Influential
Leader
in
Mortgage
Mortgage
Mortgage
Industry
2023
Hemanthkumar
Jambulingam
Disrupting the Mortgage Industry with
a ‘Digital First’ Approach
Jambulingam
Hemanthkumar
VOL-02 | ISSUE-06 | 2022

2. insightssuccess.com

3. TO Work
FOR Salaryis to
MORTGAGE
your Life

4. The Traits
of Excellence
Editor’s Desk
Abhishek Joshi
AbhishekJoshi

5. ender never determines an individual’s leadership
Gabilities. Instead, organizations must assess
leadership potential by evaluating individual
strengths and personality traits. Regardless of the type of
business, you're running, or even the industry that you're
operating in, to say that strong female leaders are important
is something of an understatement. In truth, they're essential
- not only for providing a much-needed perspective on the
direction that a business is taking but also in terms of the
types of qualities that they bring to the table that you're
unlikely to find anywhere else.
One of the most invaluable traits that leaders bring to the
table is their sense of awareness. They typically try to look
at the bigger picture first, but then break a situation down
into the finer details to see what is really going on
underneath. They tend to attempt to understand a situation
as organically as possible by asking the right questions at
the right time, rather than bending a situation to their own
will.
To be a great leader, you must not limit yourself to
becoming an expert in your own industry only. Good
leaders have the ability to see what bigger role they have to
play. They take the time to look at the bigger picture and
figure out how they can be relevant. Women always look
ahead and ways to get opportunities for themselves and
others.
Women have a vision, which allows them to stay ahead and
be an inspiration to other people. And so, it isn’t surprising
that when it comes to making illustrious career moves, you
can always count on women to know what they are doing
and what they want to achieve.
These resilient leaders have been immensely contributing to
enabling transformations in the modern industrial sector;
the mortgage industry is no exception. The segment has
seen a definitive rise in the number of influential leaders
making huge strides in the field.
Indulging in the innovations of these resolute leaders,
Insights Success, through its latest edition, “The Most
Influential Leader in Mortgage Industry- 2023,”
highlights the charismas who are symbolizing excellence
and transforming the facets of the mortgage sector.
Flip through the pages and have a Wonderful Read!

6. Cover Story
08
Hemanthkumar
Jambulingam
Disrupting the Mortgage Industry with a ‘Digital First’ Approach

7. 16 20
24
Amy
Amy
Amy
Slotnick
Inculcating and Nurturing
Innovations for Betterments
Offering Comprehensive
Services in Mortgage
Michelle
Wilde

8. sales@insightssuccess.com
March, 2023
Editor-in-Chief
Senior Sales Manager Business Development Manager
Marketing Manager
Technical Head
Technical Specialist Digital Marketing Manager
Research Analyst
Database Management Technology Consultant
Marry D'Souza
Managing Editor Executive Editor Assistant Editors
Visualizer
David King
Art & Design Director Associate Designer
Sihanee M., Rouniyar A. Peter Collins
John Matthew
Sales Executives
David, Martin
Business Development Executives
Steve, Joe
Jacob Smile
Prachi M. Dominique T.
SME-SMO Executive
Sagar L. Frank Adams
Circulation Manager
Robert Brown Stella Andrew David Stokes
Copyright © 2022 Insights Success, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any
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Abhishek Joshi
Revati B.
Jenny Fernandes Anish Miller
Ankita P.

9. Brief
Company Name
Amy has a deep understanding of both the creative and
business of making and selling films.
Featured Person
Fairway Independent
Mortgage Corporation
Amy Slotnick
Regional SVP
Mortgage Advisor
Hemanth Kumar manages products across Tavant VELOX
lending suite of platforms and he is responsible for product
innovation, go-to-market strategy and overall product life cycle
management.
Tavant
tavant.com
Hemanthkumar
Jambulingam
Senior Product Manager
Jack takes great pride in helping first-time homebuyers
navigate to the right mortgage to meet their specific needs.
Gateway Mortgage Group
gatewayfirst.com
Jack Little
Area Manager
Michelle’s thirty years of industry experience led to a position
as a Divisional Vice President of Orion Lending.
Orion Lending
orionlending.com
Michelle Wilde
Divisional Vice
President
The Most
Influential
Leader
in
Mortgage
Industry
2023

10. Hemanthkumar Jambulingam
Director of Product Management
Tavant

11. Hemanthkumar
Jambulingam
Disrupting the Mortgage Industry with a ‘Digital First’ Approach
C O V E R S T O R Y
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.

12. at both the Loan Origination and the Loan Servicing side of
the house and move from one domain to another
effortlessly. I, therefore, find it easy to go and talk about
market analysis, business trends, product overview to
existing customers and prospective clients, taking them
through a tour de force of business case, growth plan, ROI,
features and functionality, highlighting the digital pathways
of the mortgage borrower’s loan application journey in one
product and then transitioning over seamlessly to the same
borrower’s post-funding experience as they pay off the loan
in a multitude of touchpoints.
What challenges did you face along the way?
The mortgage industry, and more specifically, loan
origination is an archaic, traditional, decades-old, legacy
process. Years have passed, but the process and procedures
remain the same with operational staff still following the
processing steps defined as legacy.
With Touchless Lending’s Decision Analysis product, we
focused on a specific process area. We disrupted the end-to-
end Automated Underwriting System (AUS) ordering,
handling, and post-processing activities for the government
agencies. Decision Analysis is the first product in the
market that brought awareness of how to utilize automation
to the full extent and use data insights from the AUS
findings to determine the best operational and pricing
execution for the loan factoring in the complexity of the
loan and the corresponding document requirements.
It might be said that a product that brings such levels of
disruption to an entrenched historical process will never be
fully adopted on its immediate launch, and therefore, it took
a lot of effort and care to increase customer adoption so that
they can truly appreciate the business lift they get at the end
of the day, and consequently, we can create a success story
for the product in the mortgage industry.
People, Process, and Product – all three must align to
promote and make the product successful.
What significant impact have you brought to the
Mortgage industry?
As a director product manager at Tavant, I have been
fortunate to manage several products in Tavant’s Touchless
Lending® platform. This AI-Powered Lending-as-a-Service
platform provides straight-through mortgage processing and
automated underwriting as part of the end-to-end mortgage
manufacturing pipeline. Loan officers, processors, and
Artificial Intelligence has reached the shores of
antiquated industries like mortgage lending. It is
bringing about a digital transformation of the
sector. One of the individuals disrupting the industry with
innovative products is Hemanthkumar Jambulingam.
Hemanthkumar is the Director of Product Management at
Tavant. Tavant is a digital products and platform company
that provides impactful results to its customers across North
America, Europe, and Asia-Pacific. It is creating an AI-
powered intelligent lending enterprise by reimagining
customer experiences, driving operations efficiencies, and
improving collaboration.
Hemanthkumar is spearheading the development of
Tavant’s Touchless Lending® suite of products and has
focused on building enhanced and next-gen AI-powered
digital transformation platforms for Loan Origination and
Loan Servicing business areas specific to customer
acquisition, customer conversion, customer management,
and customer retention.
In an exclusive interview with Insights Success,
Hemantkumar Jambulingam shares how he is disrupting
years-old mortgage processes by building next-gen products
and platforms.
Below are the highlights of the interview:
Briefly describe your professional journey up until now.
I am the Director of Product Management and oversee a
large part of the product development for Tavant’s
Touchless Lending® platform. I am responsible for giving
life to most of the prominent of Tavant’s products,
including Touchless Experience and Touchless Automation
products, which have been deployed by the consumer,
retail, and wholesale channels for not one but two of the
largest independent Mortgage Bankers in the US.
My portfolio also includes the Decision Analysis product,
which allows lenders to achieve fungibility across
Government Sponsored Entities and Non-QM Investors.
With Smart Processor and Smart Conditions, I am
disrupting the whole conditions management lifecycle that
plagues lenders today as one of the most inefficient manual
processes that underwriters and processors on a loan juggle
trying to converge on a loan’s fulfillment.
Having spent 18 years in the mortgage industry, I am adept
The Most Influential Leader in Mortgage Industry- 2023

13. People,
Process, and
Product – all
three must
align to
promote and
make the
product
successful.

14. Entertainment, Manufacturing, and Retail from a digital
transformation perspective.
Locations include geographical areas of North America,
Europe, Australia, and Asia-Pacific. Tavant specializes in
providing engineering services to enable the highest orders
of digital transformation. Founded in 2000 with
headquarters in Silicon Valley and development and product
support centers in Dallas and other global locations, Tavant
is driven by 3000+ passionate professionals highly skilled
in their respective domains. Tavant's domain-focused
product managers and designers, product engineers,
technical architects, software and quality assurance
engineers, project and program managers, business analysts
and subject matter experts all bring a wealth of hands-on
expertise and experience to drive our customers’ vision and
business outcomes.
Tavant follows a “Digital First” approach and strategy for
developing services and products. “Digital First” implies a
customer-first, mobile-first, data-first, AI-first, automation-
first, collaboration-first, API-first, transformative approach
to design and development.
What is your take on technology’s importance, and how
are you leveraging it?
I believe technology is the most critical savior for the
mortgage industry’s woes. The industry is inundated with
Tavant follows a “Digital First”
approach which implies a
customer-first, mobile-first,
data-first, AI-first, automation-
first, collaboration-first, API-first,
transformative approach to
design and development.
underwriters utilize Touchless Lending’s optimized
workflows to engage with data and make decisions faster,
instead of relying on physical documentation and manual
data entry.
This one-of-a-kind automated mortgage software solution
allows lenders to originate more mortgages faster while
reducing costs and repurchase risks. Touchless Lending
integrates effortlessly with existing systems, including
CRMs, POSs, LOSs, and automates the loan production
process. As part of my Product Management strategy, I
always focus on studying the current process, understand its
low-level nuances, and go deeper to tease out insights on
transforming and eventually disrupting it digitally.
What methodologies do you implement that contribute
to new growth opportunities?
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
so that it increases the salability and fungibility for the loan.
Decision Analysis service will automatically run the GSE
/multi-investor rules, auto-resolve data errors, data
discrepancies and analyze the multi-investor requirement
and create the loan file fungible for all the investors.
Decision Analysis also improves the loan data quality and
enhances the overall loan origination experience; expanded
product choices enable lenders to deliver a frictionless
origination experience for Borrowers, Loan Officers,
Underwriters, and Capital Market teams.
Decision Analysis service reduces the origination costs by
comparing multi-investor responses, utilizing investors’
data and documentation requirements to enable speed to
close (reducing loan cycle time by days and weeks).
Automated conditions will transform multi-investor-specific
requirements and lender-specific requirements into
conditions and then auto-classify the owner and the
responsible party for each condition, define the complexity,
acceptable documents, and auto-satisfy the
requirement/condition.
Tell us about Tavant and its foundation pillar.
Tavant is a products and services company providing
impactful results for customers-partners across a wide range
of industries and verticals including Financial Services:
Real Estate/Proptech, Banking, and Lending with
comprehensive strength across depth and breadth of the
Mortgage domain with additional expertise in Media and

15. inefficient processes, with humans playing ping pong with
loan files across months and with rivers of paper flowing
through every mortgage loan application. The cost to
originate one mortgage is north of $10,000 . We need a
digital transformation wave to the hit the shores of this
industry and hit it deep and wide.
At Tavant, given our experience in other industries that
have truly reaped the benefits of digitization and technology
(manufacturing, media, retail and healthcare), we are
determined to bring the benefits of such digital creativity to
the mortgage industry. We have successfully incorporated
AI and Machine Learning models into our products for a
judiciously chosen set of use cases. We have deployed
Blockchain capabilities in our platforms for a fundamental
shift in how data is selected and distributed to other players
in the mortgage manufacturing ecosystem.
What will be the next significant change in the mortgage
industry, and how are you preparing for it?
In the world of digital lending, the most challenging items
lenders deal with is analyzing the borrower data and
making the right credit decision based on it. With the
traditional borrower evaluation approaches becoming
outmoded, lenders need to consider fully digital and
automated underwriting approaches to gauge risks quickly
and accurately.
With the rise of big data, credit decisioning gets a lot more
granular and accurate. So, the lack of data for analysis is
not the problem anymore. The daunting task is to seek a
sophisticated solution to get all the needed insights from
this data in a matter of seconds. Lenders need to focus
more on gleaning insights from the humongous amount of
data generated from digital channels and leverage it for
differentiated experience design.
Lenders have always leveraged data points to help them
make decisions. Still, next-gen technology now allows them
an enterprise-wide, 360-degree view of borrowers as well
as the lending operation while enabling them to make better
decisions and seek advantage of previously unrealized
opportunities.
What are your goals in the upcoming future?
The mortgage industry will undergo major changes in loan
origination, servicing and secondary marketing and these
changes will be fundamentally disruptive. Fintech
companies will induce more data transparency & insights,
digitalization of data and process automation with the use
of AI and Machine Learning techniques. With the next
generation of Fintech firms, funding the loan will not just
be the loan application process but extend to enabling
borrowers to manage and maintain home equity, connecting
borrower financial data with digital payments and smart
home technologies, etc.
I would like to lead such Fintech firms and eventually,
enable affordable lending and create more homeowners, and
in the process, build a stronger American economy.
What advice would you like to give the next generation
of aspiring business leaders?
Every day in life, there is a learning waiting to be found,
and we should make these learnings count – As business
leaders, you should always pay attention to detail,
understand the process, the market, the people, the culture,
deeply and widely and know how they come together to
make life work.
Always question the status quo, never be afraid of failures;
learn from your own and other’s mistakes and always look
for or create opportunity for yourself and others.

18. Amy Slotnick,
Regional SVP and Mortgage Advisor
Fairway Independent
Mortgage Corporation
NMLS# 27030
March 2023 | 16 | www.insightssuccess.com

19. Amy
Amy
Amy
Slotnick
Inculcating and Nurturing
Innovations for Betterments
here is a saying that people buy into the leader
Tbefore they buy into the vision. If you want to
affect change, it makes sense that people must trust
you and the way you see the world. Building this
foundation is a critical step in being an effective loan
officer.
Thriving with resolute leadership traits and developing
immense trust with clients, Amy Slotnick excels as one of
the influential leaders in the dynamic mortgage industry.
Amy is committed to enabling continuous improvement.
She is a source of innovation as she thrives to identify the
processes that need re-engineering and implements the
changes needed to bring about increased efficiency and
accuracy. With this skill set, Amy is now working as
Regional SVP and Mortgage Advisor at Fairway
Independent Mortgage Corporation.
In an exclusive interview with Insights Success, Amy
shares her professional tenure and highlights her challenges
along with significant achievements in the niche.
Below are the excerpts from the interview:
Briefly describe your professional journey up until now.
I started in the business in Operations. After 5 years, I
became a loan officer. Over the course of my career, I have
managed Operations teams, Sales Teams and owned my
own business. I joined Fairway 16 years ago and found the
perfect fit for my business goals.
What challenges did you face along the way?
I am fortunate that my career has been well supported by
my colleagues and family. Most challenges have been
around balancing the 24/7 demand of the sales side of this
profession and family.
What significant impact have you brought to the
Mortgage industry?
For the majority of my career, my focus has been on
education for clients, business partners and colleagues.
With a background in underwriting, I am able to bring an
understanding of the “why” we do things to my clients,
which makes the process smoother for them. I also host
frequent trainings for my real estate partners to help them
better understand our industry and show them how working
with a true partner can help them grow their businesses.
They know that if I tell them a loan will work, then it
works. Additionally, I have spent many years teaching and
coaching new loan officers on Loan Origination 101. I work
with clients and my colleagues in a way that helps them
best to achieve their goals.
What methodologies do you implement that contribute
to new growth opportunities?
I have built my business in becoming a lifelong trusted
advisor for my clients. They know our relationship does not
end when the current transaction closes, and they and their
families can always come back to me with future questions.
We stay in touch through email, social media and yearly
mortgage checkup appointments so that I am always top of
mind. This has helped me to continue building repeat
business and client referrals. I am fortunate that I am now
helping many of the children and grandchildren of my past
clients.
The Most Influential Leaders in Mortgage Industry- 2023
March 2023 | 17 | www.insightssuccess.com

20. Tell us about Fairway Independent Mortgage
Corporation and its foundation pillar.
Fairway was founded on the principle of providing true
service to our customers and doing it the Fair Way. The
customer is both the loan officer who works for Fairway
and the actual mortgage client. Our core values stress Speed
to Respond and that is executed daily.
We are nationwide and have been voted the Best Place to
Work for the most recent three consecutive years.
Fairway has two nonprofits. One is focused on providing
support to Veterans and the other to our employees and their
family/friends who are faced with life’s challenges –
particularly around major illnesses.
What is your take on technology's importance, and how
are you leveraging it?
I think that technology is important of course. There are so
many tools available to loan officers. It is about defining
which tools best fit the way you practice your business. I
have been doing this job for 40 years.
I still believe in taking applications personally to build
relationships with my clients; however, we now implement
technology to streamline the process for our clients in a way
that is convenient, smooth and secure.
What will be the next significant change in the mortgage
industry, and how are you preparing for it?
I wish I could predict that. While technology continues to
adapt and grow, I do not believe that the loan officer will
ever be fully replaced by it. The need to connect with
people personally as they pursue home ownership is too
important.
There is still a lot of grey in determining mortgage
eligibility and, as such, I don’t think that technology can
ever fully replace the human brain and the human touch.
What are your goals in the upcoming future?
I would say that my goals are to continue to support the
growth and ambition of those who work with me. I would
like to continue to originate loans while supporting my
staff.
Eventually, I would like to stop originating and just work in
our coaching platform while my partners carry on the
legacy that I’ve built.
What advice would you like to give the next generation
of aspiring business leaders?
There are bosses and there are leaders. Being a leader
means listening first and speaking second (sometimes
third). You need to lead by doing and showing, and not by
telling and expecting. Technology is not a substitute for the
human touch and the human heart. Leaders need to be
compassionate and caring. Lead with patience, with
calmness and with intent.
Fairway was founded on the
principle of providing true
service to our customers and
doing it the Fair Way.
March 2023 | 18 | www.insightssuccess.com

22. March 2023 | 20 | www.insightssuccess.com

23. March 2023 | 21 | www.insightssuccess.com

24. March 2023 | 22 | www.insightssuccess.com

26. Offering Comprehensive
Services in Mortgage
Michelle Wilde has established herself as one of
the most influential leaders in the mortgage
industry by drawing on underwriting,
management and sales skills earned over three decades.
In 2016 Michelle became a Divisional Vice President at
Orion Lending, helping the organization realize its goal of
being one of the nation’s leading residential lenders.
Orion Lending is a Nationwide Mortgage Banker founded
by proven industry leaders who bring a legacy of success
and ambition to the Mortgage Banking industry.
www.Orionlending.com
Orion Lending combines innovative technology with a wide
array of products and competitive pricing. This enables a
large network of brokers to grow through referral business
and satisfied clientele.
We caught up with Michelle Wilde and discussed her
professional journey and how she implements her
experience at Orion.
Below are the highlights of the interview:
Briefly describe your professional journey up until now.
I entered the mortgage business in 1992 and worked at
every level of the company throughout my first ten years in
the mortgage industry. Before joining wholesale sales, I was
an Underwriter and an Underwriting manager. I've watched
the industry evolve through many cycles. In 1992 I
wouldn't have imagined that I could be a Divisional Vice
President of a nationwide wholesale company as you didn't
see many women in leadership roles. I've been with Orion
Lending for six years, and I'm proud to say we have many
women in leadership roles.
What challenges did you face along the way?
In the early years, I was pigeonholed into traditionally
female roles. I had to work twice as hard as my male
counterparts in the early years to earn respect and
opportunities. In recent years, the challenges became
learning how to grow and change as the industry changed.
What significant impact have you brought to the
Mortgage industry?
Throughout my career and especially in management
positions I’ve advocated advancing anyone willing to work
hard and learn. There isn’t a day that passes that doesn’t
provide opportunity to impart wisdom and secrets I’ve
learned from countless mentors onto our next generation of
mortgage professionals. I've taught the value of relationship
building to everyone I mentor.
What methodologies do you implement that contribute
to new growth opportunities?
We are always looking for the right partners. In this
industry, there are clients who want mutual success and
partners who are only looking out for their success. We
push for clients that want everyone to succeed.
Tell us about Orion Lending and its foundation pillar.
Our founding Pillar is "We See It, We Own It, We Solve It."
At Orion Lending, we approach every situation with the
mindset of quickly addressing and resolving whatever
The Most Influential Leaders in Mortgage Industry- 2023
March 2023 | 24 | www.insightssuccess.com

27. 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.
““
Michelle Wilde,
Divisional
Vice President
Orion Lending

28. Became
Deriva ve
Investments
Mortgages
Mortgages
Became
Deriva ve
Investments
insightssuccess.com

32. www.insightssuccess.in