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 lifecycle of a loan.

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

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

Benefits

  • Handle the proposal process, including credit decisioning and underwriting, supplier and order 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
  • With CALMS Mid-Office you will achieve underwriting cost improvement by up to 50%
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Retail Finance

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Fleet Finance

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Wholesale Finance

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

Mid-Office

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

Back-Office

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

Business Process Automation Engine (BPAE)

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

Shared Services

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