The iEmergent Experience introduces new terminology, uses old words in new ways, as well as offering new ways to deal with old situations. Below you’ll find how iEmergent defines the frequently used terms embedded in our programs and philosophy.

360 Market Strategies – A specialized form of 360 Strategy designed for application in local markets by local business managers. 360 Market Strategies connect specific customers, suppliers, brand, products, programs, sources, information, actions and relationships to create greater sales leverage and competitive advantage within focused segments of the local market. See also 360 Sales Strategies, 360 Strategies.

360 Sales Strategies – A specialized form of 360 Strategy designed specifically for application by individual sales people. 360 Sales Strategies are disciplined, repetitive and cyclical sequences of sales activities and actions that provide a simple “sales system” for successful sales people. See also 360 Market Strategies, 360 Strategies.

360 Strategies – One of iEmergent’s four fundamental business acceleration programs. 360 Strategies tie together our six fundamental ingredients of effective strategies in a way that is both simple and profound. 360 Strategy concepts and elements are embedded in almost all other iEmergent programs, tools, and techniques. See also Business Strategy, Execution Strategy, Working Model, Working Strategies, Value Exchange.

Business Strategy – An essential part of the 360 Strategy approach. Provides the blueprint for how an enterprise competes in the present and the future. iEmergent Business Strategies consist of three primary types of strategies – Competition Strategies, Working Strategies, and Execution Strategies. See also Execution Strategy, Working Model, Working Strategies, 360 Strategies.

Coverage Ratio – The number of sales people needed per unit or dollar volume of opportunity within a defined market (or market segment) to achieve a market share objective.

Execution Strategy – A detailed plan of sequential and simultaneous actions, events, capabilities, and timing that implements a Business Strategy and makes it a competitive reality. See also Working Model, Working Strategy, Business Strategy, 360 Strategies.

Forecast – The art and science of estimating and predicting what is likely to happen in the future.

Future Maps – An enterprise’s roadmap of plans, strategies, actions, and investments that position it to anticipate and take advantage of as many potential futures as possible…before those futures emerge. See also Future Scenes, Future Maps, Future Strategies.

Future Scenes – Future business scenarios. One of iEmergent’s four fundamental business acceleration programs. Provides a simple way for people and enterprises to deal with and take advantage of the future unknowns caused by constantly changing business conditions. Utilizes sets of future business scenarios that people and organizations believe could happen in the next 24-48 months. See also Future Scope, Future Maps, Future Strategies.

Future Scope - A range or set of different potential Future Scenes – all of them possible, but with different probabilities of occurring based on an organization’s collective assessment, expertise, and experience. The wider the range of futures for which enterprises are prepared, the greater their competitive boundaries become and the greater their control of their future business results and risks.

Future Strategy – Business Strategies (360) that emerge as a result of evaluating a range of the most probable Future Scenes facing an organization. Competitive gaps and the new capabilities that are needed to fill them are crucial elements of every Future Strategy and an enterprise’s long-term Future Map. See also FutureScenes, Future Scope, Future Maps.

Household Growth Rate – The rate (+ or -) of net household growth (as a cumulative result of household formations, in-migration, out-migration, deaths, births, etc) within any type or size of consumer market calculated over a period of time (usually five years for iEmergent).

iEmergent = Immersion + Emergent. The intense involvement of people, leaders, energy, and effort to find a better way to compete. The innovations, markets, ideas, and capabilities that emerge to generate greater advantage.

Market Growth Index (MGI) – The rate of household growth in a market over the next five years indexed against the U.S. national household growth rate for the same period.

Market Manager – A dynamic combination of market assessment, forecasting, and planning tools, techniques, and information through which business leaders accelerate their market share, sales, growth, efficiency and earnings.

Market Opportunities – One of four primary modules of iEmergent’s Market Manager program. Market intelligence (including borrower demographics, housing profiles, growth trends, mortgage histories) coupled with mortgage forecasts quantify the size of mortgage lending opportunities in any type, size or definition of market or market segment. See also Market Manager, Market Priorities, Performance Plans, 360 Market Strategies.

Market Performance & Growth Model (MPM) – An all-in-one long-term business performance and growth planning tool used by mortgage lenders that links together ten critical performance drivers into a single, balanced planning model. See also Market Manager, Market Opportunities, Market Priorities, Performance Plans.

Market Priorities – One of four primary modules of iEmergent’s Market Manager program. Uses proprietary market assessment algorithms to compare and contrast mortgage lending opportunities across multiple markets to help business organizations make crucial decisions on where to invest their time, energy, effort, and money to build greater market power.

Market Velocity Index (MVI) –The projected rate of growth of mortgage loans expected to be generated by a specified market over three years indexed against the rate of growth of mortgage loans for the entire U.S. over the same period.

Mortgage Conversion Rates (MCR) – The annual rates at which individual markets (by geographic, demographic, consumer segments, referral sources, intermediaries, etc.) generate mortgages. See also PMCR, RMCR.

Mortgage Generation Density (MGD) – The volume of mortgages (loans and/or dollars) forecasted to be generated within a market (and segment) per specified number of households in order to make “apples-to-apples” opportunity and velocity comparisons between markets of different sizes.

Mortgage Opportunity Index (MOI) – The projected rate of growth of mortgage volume in dollars expected to be generated by a specified market over three years indexed against the rate of growth of mortgage volume in dollars for the entire U.S. over the same period.

Mortgage Zone (MZ) – A market area or segment defined by an organization for analysis of the mortgage opportunity generated within the zone. Mortgage Zones can be defined at any geographic level (region, state, MSA, county, community, neighborhood, census tract) and can include any one or any grouping of individual market segments (such as income level, sub-prime, Hispanic, over 65, etc.) within the selected geography.

Organic Growth – Future growth in an enterprise or organization that is generated from within by the people, resources and assets already in-place and active.

Performance Plans – One of four primary modules of iEmergent’s Market Manager program. Uses the Market Performance & Growth Model (MPM) to calculate the acceleration or deceleration of markets and make crucial business growth decisions – by balancing market share position, sales productivity, sales force turnover rates, sales coverage ratios, and adjusting for changing conditions.

Purchase Mortgage Conversion Rate (PMCR) – The annual rates at which markets (and segments) generate purchase mortgages.

Purchase Mortgage Loan Opportunity ($ and #) – The number and dollar value of purchase mortgages projected to be generated by a market over a specified time period.

Refinance Mortgage Conversion Rate (RMCR) –The annual rates at which markets (and segments) generate refinance mortgages

Regenesis Solutions – One of iEmergent’s four fundamental business acceleration programs. The Regenesis approach to developing effective business operating solutions is comprised of five simple steps—1) Frame, 2) Solve, 3) Design, 4) Verify, and 5) Execute. An intense method for building powerful and value-laden solutions for any and all business situations.

Value Exchanges – The actual exchanges of tangible and intangible values between people, entities, and organizations that drive day-to-day business activities, relationships, and performance.

Working Model – An internal business operating model that provides the process and structure of how day-to-day activities will be coordinated, conducted and controlled within and across functional and service units to achieve short-term business performance goals. See also Working Strategies, Business Strategies, 360 Strategies.

Working Strategies – The day-to-day strategies pursued by individual or groups of functional and/or service units within an enterprise that when connected together, make the total business strategy work (i.e. product development, sales channel, distribution, strategic business unit, marketing, sales, customer service, processing, human resources, legal, information management, capacity management, technology, risk, and finance). See also Working Model, Business Strategies, 360 Strategies.