Automated decisioning & credit scoring system

One of the big lessons learned from the global financial crisis has been the need for better portfolio quality. That’s where CALMS middle-office really scores.

It’s all about credit decisioning and underwriting, supplier and invoice management, document verification support and contract activation. CALMS Credit Decisioning provides full support for both manual and automated underwriting, including scorecard configuration and credit policy modelling.

ICE - A revolution in the way credit companies use & manage credit data

To complete the circle, our ICE (Integrated Credit Environment) component gives you that vital link between credit decisioning and leading credit bureaux. It revolutionizes the way credit companies use and manage credit data.

ICE removes the hassle involved in retrieving on-line credit data from one or multiple credit agencies. Search on directors; link up with professional membership data, and produce reports on demand using standard reporting tools or specialist scoring engines.
Because ICE is installed right there on your own systems, you are always in full control, security is watertight, integration is easy and processing is fast.
Better credit decisions, easier document management and smarter operations with compliance built-in.

It can be hosted in-house or hosted on dedicated White Clarke Group servers. All components are available under SaaS service contracts.