Retail Finance

Credit and Proposal Management Engine

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Make the right credit decisions, and manage their activation

CALMS delivers the benefit of speed and capacity, with all the necessities of scale, configurability, security, and compliance.

Built for seamless integration together with your existing systems, lenders no longer have to settle for gaps created by on-and-off boarding activities throughout the application lifecycle.

CALMS can capture applications, apply sophisticated business, credit and underwriting rules, decision applications, funding loans/leases, onboarding contracts onto the contract management system, along with all of the intricate processes required for these transactions to occur.

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Features

  • Supplier set-up, verification, and maintenance
  • Supplier invoice management and verification capabilities
  • User role configuration: workflow, work queues, actions and statuses
  • Credit bureau and other required third-party integrations
  • Automated scoring and credit decisioning, including credit reference agency searches, underwriting, and credit analyst support
  • Automatic document generation and management based on configurable business rules
  • Interactive verification of inbound documents and easy integration with standard document imaging storage systems
  • Fully integrated Digital Processing (incl. eSignature and eID/KBA)
  • Real-time auditing and management reporting
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Benefits

  • Handle the proposal process, including credit decisioning and underwriting, supplier management, document verification, payout and contract activation
  • Credit decisioning component provides full support for both automated and manual underwriting processes
  • 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
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TELL ME ABOUT

Retail Finance

Retail
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Fleet Finance

Fleet
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Equipment Finance

Equipment
I WANT TO KNOW ABOUT

Wholesale Finance

Wholesale
Configure your CALMS Select the modules that interest you
FRONT-OFFICE
MID-OFFICE
BACK-OFFICE
BPAE
SHARED SERVICES
FRONT-OFFICE

Front-Office

FRONT-OFFICE Customer Direct
FRONT-OFFICE Dealer & Broker Portal
FRONT-OFFICE Vehicle & Asset Configurator
FRONT-OFFICE Value Added Products & Services
FRONT-OFFICE Web Calculation Tool
FRONT-OFFICE Fleet Lite
MID-OFFICE

Mid-Office

MID-OFFICE Credit Decisioning & Risk Management
MID-OFFICE Application Management
MID-OFFICE Digital Processing (e-Signature)
MID-OFFICE Digital Processing (e-ID)
MID-OFFICE Self-billing
MID-OFFICE Pre-contract Activities & Checks
MID-OFFICE Payout Activation & Verification
MID-OFFICE Product & Pricing Configurator
MID-OFFICE Vehicle & Asset Data Management
MID-OFFICE Collateral Management
MID-OFFICE Credit Line Management
BACK-OFFICE

Back-Office

BACK-OFFICE Service Centre Portal
BACK-OFFICE Contract Management & Accounting
BACK-OFFICE Accounts Payable
BACK-OFFICE Accounts Receivable
BACK-OFFICE In-Life Services
BACK-OFFICE Collections & Arrears Management
BACK-OFFICE Advanced Agreement Remodelling
BACK-OFFICE End-of-Contract
BACK-OFFICE Asset Return & Inspection
BACK-OFFICE Customer Self-Serve
BPAE

Business Process Automation Engine (BPAE)

BPAE Workflow Engine
BPAE Rules Engine
BPAE Integration Hub
BPAE Information Collection Engine (ICE)
SHARED SERVICES

Shared Services

SHARED SERVICES Cloud & Dedicated Hosting Services
SHARED SERVICES Admin & Security
SHARED SERVICES Component Manager
SHARED SERVICES Operational Reporting
SHARED SERVICES Business Data Interface
SHARED SERVICES Business Partner Management
SHARED SERVICES Case Management
SHARED SERVICES Calculation Engine
SHARED SERVICES Electronic Document Management
SHARED SERVICES Proposal Interface
SHARED SERVICES Open APIs