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| OverviewOriginationDocument ManagementAudit / Funding / Booking |
 The Business Challenge
Accurate information on customer credit activity reduces credit risk and enables lenders to carefully manage their portfolio quality. Also, in today’s highly competitive lending environment, credit turnaround time may be the difference between winning and losing a deal. A slow and inefficient underwriting system serves as a bottleneck, limiting business growth and scalability. On the other hand, a lender’s ability to produce quick and comprehensive credit assessments can optimize return on investment.
The ExpressOS™ Solution
The customer-centric approach of the ExpressOS™ Credit underwriting module—a subsystem of Cyence International’s industry-leading ExpressOS™ financial workflow system—provides an intelligent, comprehensive solution to fully automate the credit decision-making process. It provides access to all external credit bureaus and offers the capacity for credit scoring, credit write-up, credit document management and historical reporting.
Included in ExpressOS™ are multiple credit workflows for virtually every business scenario. Built-in business rules and credit scorecards can be matched against customer, transaction and credit bureau information. Using the Credit underwriting module enables instant, automated credit decisions for the entire customer base—yielding substantial savings in time and money.
KEY FEATURES
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Customer-centric credit approach
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Real-time credit pipeline
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Multi-level exposure management
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Pre-credit and post-credit rule enforcement
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Multiple scorecard capabilities
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Credit report history and storage
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Credit write-up functionality
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Credit document management
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Access to all external credit bureaus
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