Home Equity
Manage loans and HELOC proactively with the flexibility customers need
Term Loans
Provide an easy, safe source of funds to customers
Manage installment loans with unique payments and rates
Based on the Home Equity Line of Credit and term-out portion
Bank defined number of term loans allowed
Customize loan parameters
Specialized combined statements
For home equity and term loans
Report to Credit Bureau as combined or separate
Optionally report based on banking factors
“DCI offers a great product that is always on the leading edge. They listen to us and are always there to support us. That's the kind of people we want to partner with.”
Dixie Lang · Vice President
Kanza Bank
Kansas
Delinquency Processing
Improve at-risk consumer loan recovery rates
Supervised and Classified Tracking
- Track loans at risk of non-payment
- Maintain information related to loan risk
- Track risk, reserve and borrower’s information and background
Shadow Accounting
- Charge off and place in shadow in one step
- Track customer and bank transactions separately after payment
- Dedicated monitoring for both bank and customer
- Easy payment processing
- No change to customer look
Partial and Full Charge Off
- Complete partial and full charge off tracking
- Easy payment processing
- Dedicated monitoring
Delinquent Messaging
- Document all customer communications
- Monitor and deaccession all documentation
Non-Accrual
- Complete partial and full non-accrual tracking
- Easy payment processing
- Dedicated monitoring
- Flexibility for controlling accrued interest
Collateral Tracking
Track and manage home equity loan collateral information
- 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
- Enter collateral in bank defined fields
- Designate collateral, lien position and 1098 reporting indicator
- Flexible search for quick record lookups
