Consumer Lending
Streamline workflows and services from a
powerful, centralized core
Loan Origination
Streamline lending services, deepen customer relationships
Bidirectional interface
Reaches into centralized core to pull customer data
Imports updates directly in core
95% of data synced
Autocheck for changes during import
Deep integration with Laser Pro and Compliance One
“This software saves me hours and automatically updates customer data in the core.”
Laurie Leighty · SVP
American Riviera Bank
California
Loan Servicing
Consolidate teams, technology and siloed workflows
Flexible Payment Schedules
Set flexible payments, track loans and lines of credit, and reverse payments as needed.
- Integration with bill records
- Unlimited number of schedules
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Schedule types include:
- Level P&I
- Interest only
- Principal and Interest
- Multiple and irregular
- Payment skips
Payment Reversals
- Reverse all transaction types, including payoffs, from one screen
- Gain complete reversal transaction tracking
- User-selected screen navigation
- Easy re-posting
- Exclude reversed transactions from customer view
Expense Budgeting
- Track lines of credit by line item
- Dedicated monitoring
- Easy payment processing
- Bank defined line item and credit limits
Delinquency Processing
Increase recovery rates for at-risk commercial loans
Supervised and Classified Tracking
- Track commercial loans at risk of non-payment
- Maintain information related to loan risk
- Track risk, reserve and borrower’s information and background
Partial and Full Charge Off
- Complete partial and full charge off tracking
- Easy payment processing
- Dedicated monitoring
Non-Accrual
- Complete partial and full non-accrual tracking
- Easy payment processing
- Dedicated monitoring
- Flexibility for controlling accrued interest
Shadow Accounting
- Charge off and place in shadow in 1 step
- Track customer and bank transactions separately after payment
- Dedicated monitoring for both bank and customer
- Easy payment processing
- No change to customer look
Delinquent Messaging
- Document all customer communications
- Monitor and deaccession all documentation
Dealer Floor Planning
Increase buying power to make more strategic, profitable purchases
Track allocations on credit lines
Manage dealer lines of credit and unit life-cycle in real time
Utilize flexible billing options and statements
Specially designed for dealer floor planning
Gain ability to accept curtailments
Assist customers to effectively manage operations
Dealer Loans
Manage risk, make dealer lending more versatile
Direct or indirect lending
End-to-end loans, lease credit and funding and dealer-sourced indirect lending
Various dealer remittance types
For whole loans including Actual/Actual, Scheduled/Scheduled, Scheduled/Actual
Dedicated monitoring
React more quickly to market changes and customer expectations
Tracking of
reserve amounts
To ensure coverage in case of reversals or chargebacks
Collateral Tracking
Manage collateral information with thorough tracking, reporting and reminders
- Unlimited records at customer or account level
- Track collateral value, unique addresses and mark for tax reporting
- Tie and copy records to multiple customers or accounts
- Track review and expiration dates
- Track additional collateral components using bank defined fields
- Designate collateral, lien position and 1098 reporting indicator
- Flexible search for quick record lookups
