Build log
Short, dated notes from operating companies with software I build myself. Wins, reversals and the occasional thing I got wrong.
Started a side project to test two things away from client work. One: agent loops and subagents writing production code, gated by tests. Two: a directory model built on recipes and programmatic search, where every recipe becomes a page adapted to a specific bread machine. Launching ahead of holiday baking season.
Built the commissions engine: plans, tiers and draws, statements people can approve or contest, and a payroll hand-off, plus a what-if view so participants can see how a deal changes their check. Most of the first two phases were built from my phone. Now testing it against July onward before anyone is paid from it.
Re-tested every activity in our chapter compliance program against what a three-LO broker actually needs: 115 activities down to 74, and roughly 294 scheduled tasks a year down to about 83. Examiners fault you for promising a quarterly review and delivering two, not for skipping practices no rule requires. Promise less, and make the proof automatic.
Added a Lenders section to Labs: one directory of lenders, account executives and relationships synced from the CRM, with a freshness indicator on top. Turning a lender on in the LOS is now one button. Before the sync was fixed, the list had quietly gone 54 days without an update.
Launched Morfoo Labs, the back office in one place: chapter financials read live from QuickBooks with drill-down to the ledger, cash application, billing, lenders and compliance. Role-based access means chapters see only their own numbers, and admins can view the app as any user to support them.
First quarter where our state call-report filings came out of the pipeline instead of spreadsheets: 36 filings across 10 chapters. The export refuses to file while fees are still unreconciled, and the quarter is sealed as the baseline for the next one.
Technology-fee billing now runs on contracted pricing and monthly minimums, can't bill the same loan twice, and books each fee in the month it belongs to. The reconciliation behind it found a batch of loans from the prior month that had never been billed.
Moved finance onto a real cash-application workflow. Chapters record the checks they receive, accountants match them to closed loans and post to QuickBooks, and bank activity syncs every 30 minutes. The first month-end close sorted every bank credit into matched, ambiguous or no-loan, and caught a six-figure double-count before it posted.
Published a compliance guide for our chapters: what gets filed, the TRID and Reg B timelines, and how audits work. Written once, branded, and now the reference every chapter works from instead of a trail of emails.
Automated the daily compliance sweep behind our quarterly call report. Every weekday it refreshes the loan register, checks disclosure timing and reportability, queues deficiencies and drafts the outreach, which only goes out after approval. About ten minutes of my time a day, and it paid for itself on the first run.