Stage Flow
Comes from
Commitment — all conditions removed / final approval confirmed
Final Approved
Moves to
Compliance folder — reassigned to Managing Broker on funding day
Steps
1
Call the client — deliver final approval news
D7-1
Call the client to let them know their mortgage is fully approved.
Underwriter
2
Send "here's what comes next" email
D7-2
Conditional
Send the post-approval email covering: Canada Life mortgage protection insurance (introduce and discuss coverage options); home insurance (ask if client wants intro to Amanda for a quote); waivers (note that waivers will be needed once conditions are officially removed); any outstanding housekeeping items; reminder that any changes to purchase price or contract must be flagged to the team immediately.
Automation check
If auto emails fire on card move →
Confirm which items are covered by the fully approved email, closing checklist, and Manulife Insurance checklist automations. Gap — not yet confirmed.
If no automation →
Send manually using the Fully Approved (Final) email template.
Underwriter
3
Follow up on lawyer mortgage instructions
D7-3
Confirm that the lawyer's office has received mortgage instructions from the lender. Set an activity to follow up if not yet confirmed.
Underwriter
4
Follow up on Canada Life insurance link
D7-4
Follow up to confirm the client has completed the Canada Life insurance link. Set an activity if needed.
Underwriter
5
Complete lender response in EP
D7-5
Complete and accept the lender response in EP. This must be done 1–2 days before the funding date. Confirm the response is accepted in the system.
Timing: Must be completed 1–2 days before the funding date.
Underwriter
6
Complete the compliance package
D7-6
Prepare and complete the compliance package for the file before funding day.
Underwriter
7
Call the client the day before funding
D7-7
Call the client 1–2 days before the funding date to confirm everything is on track, answer any last-minute questions, and give the client confidence heading into funding day.
Underwriter
8
Monitor lender portal on funding day — hand off to Managing Broker
D7-8
On the funding date, monitor the lender portal for the funded status change. When the file shows as funded, complete the following handoff sequence:
Funded handoff — exact sequence
Take a screenshot of the funded status in the lender portal
Copy and paste the screenshot to the top of the deal card in EP
Pin the screenshot to the top of the deal card
Move the file to the Compliance folder in EP
Reassign the file to the Managing Broker
Underwriter's work is complete at this point. The Managing Broker takes over from here.
UnderwriterManaging Broker
No steps match the current filters.
Open Gaps
Confirm which steps are covered by automation on card move (fully approved email, closing checklist, Manulife Insurance checklist)
FCT Close relationship to Final Approved not yet resolved
Deal type variations not yet documented (Refi, Switch/Transfer, New Build)
Canada Life and home insurance (Amanda) processes not yet linked
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