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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
  • 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

 
 
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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
 

Have Questions?

Talk to a member of our team or request a demo

 
Contact Us Request a Demo

Created by Community Banks for Community Banks

 
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