Make the right credit decisions, and manage their activation
CALMS delivers the benefit of speed and capacity, with all the benefits of scale, configurability, security, and compliance. Built for seamless integration together with your existing systems, lenders no longer need to settle for gaps created by manual activities throughout the application lifecycle.
CALMS can capture applications for either funding of specific equipment or apply for a line of credit. For each application, CALMS can apply sophisticated business, credit, and underwriting rules to support the underwriters making the credit decisions.
CALMS can then support the funding of loans or leases and seamlessly transfer contracts onto your contract management system, along with all of the intricate processes required for these transactions to activate.
- Supplier set-up, verification, credit approval, and maintenance
- Supplier invoice management and controlling capabilities
- User role configuration: workflow, work queues, actions and statuses
- Credit bureau and other required third-party integrations
- Automated scoring and credit decisions, including credit bureau searches, underwriting, and credit analyst support
- Automatic document generation and management based on configurable business rules
- Interactive identification and verification of inbound documents and easy integration with standard document imaging storage systems
- Fully integrated Digital Processing (incl. eSignature and e-ID/KBA)
- Real-time audit and management reporting
- Handle the proposal process, including credit decision and underwriting, supplier management, document verification, payment, and contract activation
- Credit decision component provides full support for both automated and manual underwriting processes via highly flexible workflow and rules
- The CALMS Credit-Scoring Engine can manage requests from almost any portal application or front-end, as well as the CALMS User Portals
- Transforming quotations into agreements is driven by a comprehensive proposal management module, featuring powerful document management and workflow capabilities
- Create separate credit policies and work queues for different types of businesses