SmartAdvisor™ is an AI-powered compliance and workflow panel that reads every field on the loan in real time. It docks alongside your Encompass desktop — or floats on a second monitor — and delivers role-specific guidance so your team works faster, catches issues earlier, and closes cleaner.
SmartAdvisor™ is a standalone panel that docks beside Encompass or floats on any monitor. It scans the entire loan file in real time — borrower data, conditions, milestones, field completeness — and surfaces exactly what each team member needs to see, when they need to see it.
Every feature runs inside the panel — no separate app, no context switching. Your team stays in the loan and SmartAdvisor comes to them.
SmartAdvisor detects the logged-in user's role and tailors every insight, checklist, and recommendation. Loan Officers see origination guidance. Processors see completeness gaps. Underwriters see risk flags.
The moment a loan opens, SmartAdvisor scans 600+ fields and surfaces actionable findings — missing data, compliance flags, inconsistencies, and next steps — without anyone asking.
Click any AI recommendation to jump directly to the panel and field that needs attention. No hunting through 48 accordion panels — SmartAdvisor takes you there.
Prior-to-doc, prior-to-fund, and post-closing conditions are pulled from the loan and displayed in a live tracker. SmartAdvisor highlights what's outstanding and links conditions to the relevant loan sections.
Ask SmartAdvisor questions in plain English — "What's the DTI on this loan?", "Has the appraisal been received?", "Am I missing anything for UW submission?" — and get instant, context-aware answers.
Visual milestone tracker shows exactly where the loan stands in the pipeline — days in stage, field completion percentage, expected close date — updated in real time as data flows in.
Choose between Azure OpenAI and Google Gemini Flash as your AI engine. SmartAdvisor abstracts the provider — same interface, same prompts, your choice of model. Switch at any time.
Diagnostics mode lets administrators inspect AI prompts, response times, token usage, and field binding status. Full transparency into what the AI sees and how it responds.
SmartAdvisor activates the moment you open a loan. No setup. No prompts. No waiting.
Open any loan in Encompass. SmartAdvisor launches automatically and docks beside your desktop — or floats on a second monitor.
Your Encompass persona is mapped to one of six SmartAdvisor profiles. Guidance is tuned to your workflow.
600+ fields, conditions, milestones, and documents are analyzed. AI insights surface within seconds.
Click any recommendation to navigate directly to the field. Ask follow-up questions. Track progress as you work.
SmartAdvisor doesn't give everyone the same advice. Each role profile reshapes the AI's priorities, checklists, and language to match how that person actually works the loan.
Origination-focused guidance — application completeness, borrower qualification, rate-lock readiness, and initial disclosure compliance.
Regulatory focus — LE/CD tolerance tracking, fee reconciliation, timing compliance, and change-of-circumstance detection.
Completeness engine — field gaps, document checklists, condition tracking, income verification shortcuts, and UW submission readiness.
Risk-first analysis — credit exceptions, guideline overlays, DTI/LTV calculations, asset sourcing, and exception documentation.
Final-mile intelligence — clear-to-close conditions, wire instructions, closing package validation, and funding reconciliation.
Delivery and compliance — trailing documents, investor delivery checklists, MERS registration, and final audit readiness.
SmartAdvisor supports two enterprise-grade AI engines. Both are fully integrated — same sidebar, same conversational interface, same privacy guarantees. Pick the one that fits your infrastructure.
GPT-4o running on your Azure subscription. Enterprise-grade reasoning, nuanced compliance guidance, and deep contextual understanding for complex loan scenarios.
Google's Gemini Flash model — fast, capable, and included with every SmartAdvisor license at no additional API cost. Ideal for high-volume processing workflows.
Technical details for teams that want to know exactly how SmartAdvisor works inside Encompass.
Book a 30-minute demo and see SmartAdvisor™ running live inside Encompass Web — real loan data, real AI insights, real-time guidance for every role on your team.