Credit and Proposal Management Engine


Calms 2

Make the right credit decisions, and manage their activation

The CALMS Mid-Office provides powerful tools to handle the proposal process, including credit decisioning and underwriting, supplier and order management, document verification, payout and contract activation.

The CALMS Credit-Scoring Engine can manage requests from almost any portal application or front-end, as well as the CALMS User Portals.

Credit Decisioning

At its heart is a credit decisioning component that provides full support for both automated and manual underwriting processes, including:

  • Automated credit reference agency (CRA) searches, underwriting and credit analyst support
  • Rules-based decision framework, enabling clients’ exact requirements to be matched
  • Scorecard and “champion/challenger” assessments, using data from either the client or credit reference agencies
  • Credit policy rule modeling to fully automate the credit decisioning process
  • Summary “Track Record” facility that shows clients’ overall credit histories
  • The ability to create separate credit policy and work queues for different types of business

Sophisticated proposal management capabilities

The overall process of transforming quotations into agreements is driven by a comprehensive proposal management module, featuring powerful document management and workflow capabilities.

White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS, please contact us today

Outsourcing and Hosting
Cost-effective, flexible and secure alternatives to traditional in-house managed applications.


  • Product and pricing configurator: enabling finance companies to quickly define new products, and manage rates and terms, dealer commission packages, manufacturer subsidies and discounts.
  • Key account management: enabling fleet managers to create and maintain data that’s essential in supporting their clients’ specific schemes, discounts, driver management practices and master hire agreement (MHA) terms.
  • Order management: enabling fleet managers to create orders and track their progress, with strong integration with third-party dealer-management systems.


  • Supplier set-up, verification and maintenance
  • Supplier invoice management and verification capabilities
  • Automatic document generation, based on configurable business rules
  • Sophisticated interactive verification of inbound documents, with integrated document images
  • Management of inbound signed customer documents, with automatic linking of those documents to trigger the next step in the contract activation process
  • Full audit trail capability
  • Easy integration with standard document imaging storage systems
  • Underwriting cost improvement by up to 50%
White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS,, please contact us today,

A partner with experience and credibility, who had a certain scale, and who had the stature to come to us and challenge our thinking. Nick Ockwell, CIO, Exeter Finance Corp

EBV is very pleased with White Clarke Group and their success on the SEPA project. Maik Skottke, Head of IT, EBV-Leasing Gesellschaft m.b.H Co. KG (Erste Bank)

We’re excited to be able to offer this new program to Yamaha dealers and believe that our new relationship with White Clarke Group is an integral component of this new program.
Leone Foxwell, National Manager Inventory Finance, Yamaha Motor Canada