Retail Finance

Loan Origination

Configure

Make the right credit decisions, and seamlessly manage the complete loan origination and loan boarding process.

Our CALMS loan origination system (CALMS LOS) delivers all the benefits of speed and capacity, with all the necessities of scale, configurability, security and compliance. Built for seamless integration together with your existing or third-party hosted technology platforms, lenders no longer have to settle for gaps created by on-and-off boarding activities throughout the lifecycle of a loan.

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

Streamline your lending operations with an omni-channel digital lending platform configured for large enterprise companies as well as businesses requiring speed to market with an out-of-the-box finance solution.

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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 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
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Retail Finance

Retail
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Floorplan Finance

Floorplan
Configure your CALMS Select the modules that interest you
POINT-OF-SALE
LOAN ORIGINATION
LOAN SERVICING
AUTOMATED STRATEGY ENGINE
SHARED SERVICES
POINT-OF-SALE

Point-of-sale

POINT-OF-SALE Point of Sale Interface
POINT-OF-SALE Dealer Portal
POINT-OF-SALE Branch Portal
POINT-OF-SALE Customer Portal
POINT-OF-SALE Calculation Tool
POINT-OF-SALE Collateral Configurator
LOAN ORIGINATION

Loan Origination

LOAN ORIGINATION Channel Configuration
LOAN ORIGINATION Third Party Integrations
LOAN ORIGINATION Deal Structure
LOAN ORIGINATION Credit Decisioning
LOAN ORIGINATION Scorecard Management
LOAN ORIGINATION Product & Pricing Configurator
LOAN ORIGINATION Additional Products, Services, Add-ons
LOAN ORIGINATION Verification Services
LOAN ORIGINATION Digital Processing
LOAN ORIGINATION Funding & Loan Boarding
LOAN SERVICING

Loan Servicing

LOAN SERVICING Customer Service Agent Portal
LOAN SERVICING Customer Self-Service Portal
LOAN SERVICING Loan Servicing & Collections Management
LOAN SERVICING End-of-Contract
LOAN SERVICING Contract Management
LOAN SERVICING Flexible Payment Options
LOAN SERVICING Asset Inspection & Remarketing
LOAN SERVICING GL Integration
AUTOMATED STRATEGY ENGINE

Automated Strategy Engine

AUTOMATED STRATEGY ENGINE Configurable Workflow
AUTOMATED STRATEGY ENGINE Queue Management
AUTOMATED STRATEGY ENGINE Rules Engine
SHARED SERVICES

Shared Services

SHARED SERVICES Open APIs
SHARED SERVICES Electronic Document Management
SHARED SERVICES Reporting
SHARED SERVICES Admin, Security & Compliance