Indirect Lending Software
Compete Effectively with DecisionLender
In today's competitive world, you know the importance of providing excellent service to your customers. With DecisionLender's loan origination and consumer loan software you can give your company that competitive edge - all without a major investment of time, money or human resources. DecisionLender by TCI is a powerful, real-time, online automated loan decisioning solution, capable of processing both consumer and commercial applications. Using the latest technology, it generates immediate and secure credit processing, approval and notification. Implementation is easy, quick and affordable. Plus, flexibility is key to its appeal - DecisionLender allows you to fully automate decisioning or manually drive part of the loan origination process. The choice is yours. And, TCI's solution can integrate with your existing core system. With DecisionLender's loan origination software, you perform lending your way - just faster and more effectively.
HOW DECISIONLENDER SPEEDS THE CONSUMER LOAN APPROVAL PROCESS
By accessing our secure, Digex-based Internet data center - branded with your corporate identity - a loan officer, remote dealer or applicant completes your company's loan application. The request is instantly submitted electronically. DecisionLender's loan origination software automatically queries your selected credit and ancillary databases. The results are then analyzed based on your company's lending criteria and is available to your credit analysts for further review, and a decision or recommendation is generated in a matter of seconds. With DecisionLender, loan decisioning is handled systematically, and response time decreases dramatically.
INSTANT DECISIONING & ACCESSIBILITY - GROW YOUR BUSINESS
By choosing DecisionLender loan origination and consumer loan software, your business is harnessing the power of the Internet. Now, indirect dealers (car, boat, furniture dealers, etc), branches, or consumers can submit loan applications any time of the day or night, any day of the week, and from any location that has Internet access. Your customers will have instant access to loan decisions with virtually no waiting time. Quick loan approvals mean greater customer satisfaction, and that translates into greater loyalty to your company.
COST SAVINGS - CONTRIBUTE TO SUCCESS
With DecisionLender loan origination software, the workflow is fully automated, significantly reducing your credit analysis expense. All forms are electronically generated and processed - no re-keying or faxing of information is required, thus minimizing clerical errors and costs. And because it's an ASP-based program, you won't need IT resources in order to maintain the system.
EASY, AFFORDABLE STARTUP - IMMEDIATE RESULTS!
DecisionLender can be integrated with your existing system and operates on a pay-per-use basis. It doesn't require the substantial capital expense of purchasing, integrating and maintaining premise-based technology. And, DecisionLender loan origination software is scalable, so you will never outgrow it!
MANAGEMENT REPORTS, TOOLS AND SEARCH FUNCTIONS - KEEP BUSINESS ON TRACK
Specialized reports, such as loan volume activity by branch or retailer, can help you evaluate the profitability of markets or loan officer performance so that you can effectively manage your business. Plus, managers and loan officers can access loan status in real-time at any phase of the loan process - allowing management complete control.
TAILORED DESIGN - SEAMLESS INTERFACE TO YOUR BUSINESS
DecisionLender is designed for you! Our loan origination and consumer loan software system maintains your company's prescreening standards, decisioning rules, risk models and interest-rate tables. We establish access to whichever credit bureaus and public record databases you require (i.e. NADA, Kelley Blue Book, flood certification, etc.) and we align the look and feel of your DecisionLender portal and all documents with your existing system. This gives you the flexibility to maintain your standards and project your own image. Plus, our loan origination software system also provides for the ability to manually review an application. This combination of features allows your company to transition to DecisionLender without a major change in the way you do business.
KEEPS COMPLIANCE COSTS IN CHECK
By using your latest applications, contracts, letters and documents, the system ensures that all lending rules are consistently applied - including Regulation Z, OFAC , and IDV - and creates an audit trial for each application, so you can be confident in your compliance, as well as cost-effective.
OPTIMUM DATA SECURITY - WORRY-FREE PROTECTION
TCI's strategic partner, Digex, is an industry-leading Tier 1 Managed Hosting Provider, both SAS 70 and TruSecure certified. Digex hosts TCI servers and provides maximum safety measures that include: l Mirrored data storage l Managed firewalls l Intrusion detection l Added safeguards against natural disasters, hardware downtime and power interruptions l Encrypted access codes and passwords l Multi-level framework l N+1 redundancy on all systems l 24/7/365 monitoring and backup services l Dedicated private connections to all credit bureaus l An automatic IP lockout feature l Secure socket layer (SSL) 128-bit encryption.