processing, Credit Evaluation and Scoring System
CBD's web-based software modules,
simple in their usage yet comprehensive and versatile in their ability
to satisfy your data capturing and credit evaluation/decisioning needs. They provide application processing and bureau report-pulling for auto, retail and mortgage, collections and behavioral record analysis platform(s) with import/export. They can integrate with most
of the legacy platforms, incorporate any scoring model (custom built or generic) and retrieve
a credit bureau report from the bureau of your choice.
It does not require
any additional hardware and the per-click fee based pricing is meant to
give you an edge in the market and not a dent in your pocket.
The process goes through a full process
of Capturing, Evaluating, Decisioning and Closing of a loan
application. It produces letters, closing documents and user-defined
reports. Once installed in your business, it will:
and Standardize the process used for capturing and evaluating
applicants seeking financing.
scoring model especially designed for you to make decisions
far more accurately and quickly. (It will also allow you to
key in your own scoring model and will allow you to make
changes and modifications to the models).
with your legacy Databases, Accounting systems and with
Credit Bureau Agencies to speed up lending process and give
you complete control over progress of the applications.
advanced tools like defining security levels, offering insurance
to clients, generating contracts, calculating interests and payments, obtaining
applicants historical information, checking on applicant's
loan documents, performance and other analytical reports.
It has the following modules:
Panel Section to define all your policies and rules
and other preferences. Clients are able to set up users,
passwords, authority levels, branches, types
of loans, screen flows, auto-select, auto-reject
and overriding parameters, scoring models, etc.
section having capture screens based on product that match
clients paper applications. Comprehensive tool-tip helps and
on all data-entry fields, easy navigation buttons,
substantial visual aids and validation features.
and retrieval to provide access to internal legacy systems (AR)
for data retrieval and access to external data
sources such as credit bureaus, fraud databases, etc.
scoring and rule processing based on customer choice, provision
of looking at various ratios like debt-to-income, disposable income
etc., provision of flags and indicators to aid evaluation, Search by various definable criteria, view score, tiers, logs, bureau report, etc. and many other features
and Closing including generating Letters, Loan Documents including contracts
and Analytical Reports.