The Update User page contains information about and settings for each user within your company. Each user can be assigned to only one office at a time. Offices are used to group selected users into a single category for organizational purposes. An office can be an actual branch office of your company or simply a group within your company that will share the same profit margin characteristics.
- Log into EPPS as a Client Admin.
- Click the Admin tab, and then the Company tab.
- Locate the office under which you want to add the user, and then click the edit link.
- On the Update Office page, click the Manage this Office’s users link at the bottom of the page.
- Click the Click here to enter a new user link at the top of the page.
- Select the Disabled check box to disable the user account.
- Select the Deleted check box to delete a user.
- Enter the basic user information.
- In the Comp. Profit Margin (show History) section:
- Select a tier to apply pricing adjustments from a Compensation Tier.
- Or, enter a profit margin percentage, dollar amount, and minimum and maximum dollar amount allowed for compensation to the individual user.
- Select an option to apply the profit margin to only creditor-paid scenarios or to both creditor-paid and borrower-paid scenarios.
Note: By default, the Encompass Product and Pricing Service (EPPS) omits LO comp when a user selects the borrower compensation option when searching for rates. Typically, the LO comp is included in the origination fee. To ensure that loan officers automatically charge the borrowers a fee sufficient to cover LO comp, select the Apply to both creditor- and borrower-paid scenarios option to incorporate the fee into the loan price. This setting does not apply to wholesale products that are brokered by the originator.
- In the right column, select the check boxes to set the rights described below:
- User Rights - Administrators and users with “Manage Users”/”Manage Offices” rights can view and edit these rights.
- Available Offices - Administrators and users with “Manage Users”/”Manage Offices” rights can view and edit the available offices. If a user has been granted User Rights that include the “Office Manager” option, the user can view submitted loans and edit users for the selected offices.
- Qualification Tab Views - Administrators and users with “Manage Users”/”Manage Offices” rights can view and edit the available views on the Qualify tab.
- Allow Classic View - Groups rates by investor loan program.
- Allow Best Ex View - Groups rates by unique loan product type.
In addition, if both views are enabled, a default view can be selected.
Note: For information on manager rights, see the Manager Rights help topic.
- When finished, click Save.