Retail Finance

Loan Servicing

Configure

Profitably manage and maintain lease and loan agreements from their start to their conclusion

CALMS Loan Servicing is a sophisticated solution for managing the full lifecycle of contracts from activation through to settlement, maturity or renewal, and uses powerful tools for the full range of contract administration activities, including account review and request handling, contract changes, billing and accounting, maturity and termination, collections management, asset disposal etc.

For maximum operational agility CALMS Loan Servicing is separated into two strategic components:

  • InLife Servicing (user-interaction layer): portal-style contract management services, tracking all interactions with the back-end, with sophisticated case-management capabilities.
  • Contract Management Engine (transaction execution layer): rock-solid administration management for rigorously accurate, complete and consistent financial data.

Features

  • Full view of customer, contract and assets
  • Contract changes (financial and non-financial amendments, restructures, refinances, transfers, extensions, cancellations, reinstatements, etc.)
  • Comprehensive transactional detail and accounting (with support for various income spread methods)
  • Support for a broad range of financial products
  • Maturity and termination (early settlement, hostile termination, etc.)

Benefits

  • The In-Life component provides a cost improvement of up to 33% and all the tools necessary to profitably manage and maintain lease agreements during their lifetime
  • The Contract Management Engine provides all the tools required for easy configuration of financial products, with highly comprehensive interfaces to industry-standard General Ledgers, Credit Reporting Agencies and Asset Registers
  • Account search and overview features allow operators to deliver fast and accurate service
  • Configurable collections strategies focus collections staff time efficiently
  • Flexible component-based structure allows staged implementation or integration with existing client components
  • Self-service, chatbots and IVR components reduce call volumes
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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
ASE
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 Lead Management
LOAN SERVICING Asset Inspection & Remarketing
LOAN SERVICING GL Integration
ASE

Automated Strategy Engine (ASE)

ASE Configurable Workflow
ASE Rules Engine
ASE Queue Management
SHARED SERVICES

Shared Services

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