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Consumer credit analysis in Web Equity Manager® is specifically designed to enable lenders to realize more productivity through easier, more reliable financial analysis computing, lower technology and maintenance costs, and the ability to quickly and confidently process consumer credit applications.
Consumer credit analysis can be performed with
minimal customer information, a credit bureau score and your own
risk rating parameters. The ECI consumer credit analysis process will help you confidently accept or decline "no-brainer"
consumer credit requests in
minutes instead of hours or days.
Consumer credit analysis can be decisioned using "Credit Action" forms
that are totally customized by you. Examples include...
- Application
For Credit
- Credit
Presentation
- Work
Flow Checklist
- Scoring
& Rating Model
- Credit
Approval
Consumer Credit Analysis Action Form Customization...
- You
determine the information you want gathered for your consumer credit analysis to decision a particular
loan amount and loan type...
- Boat
or Vehicle Loan
- Recreational Vehicle Loan
- Home Equity Line of Credit
- Whatever
your customer needs, when they need it!
- You determine the appropriate level of consumer credit analysis
- No more over-analyzing credit decisions
- No more wasting precious time
- You
dictate the way the consumer credit analysis action forms look on the screen, how
you enter information into the consumer credit analysis action forms and how the
consumer credit analysis action forms look when you print them.
- Do
you have a consumer credit analysis spreadsheet you just can't live without? Much of what
your favorite spreadsheet can do can be mimicked by customizing the consumer credit analysis action forms.
- The
advantage of using ECI's consumer credit analysis
over spreadsheets is that all your customer information is
maintained in a single system so you can streamline fragmented
lending processes and eliminate redundant data entry chores.
Consumer Credit Analysis Credit Scoring & Risk Rating...
Consumer Credit Analysis Reporting & Tracking...
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Consumer credit analysis in Web Equity Manager provides
access to the output of decisions and reasons that support
each loan decision. Consumer credit analysis decisions can include:
- A
listing of the individual criteria the applicant was scored
on.
- The
performance of the applicant on each criteria.
- The
weight of each criteria.
- Any
lender comments regarding the decision.
Consumer credit analysis decision
outputs can be as simple as using just an overall score or
can include multiple parameters for approval and pricing recommendations
depending upon how you configure the system. Additional features
include...
- Instant
results (approve, deny, review)
- Pre-Score
Validation / Review
- Loan
Status Tracking
- E-signature
Functionality
- Tiered
Interest Rate Matrix
- Monitoring
- Loan
Status
- Characteristics
Analysis
- Scoring
& Rating Performance
- Staff
Performance
None
of this VALUE can be realized
without Web Equity Manager® calculates a complete financial analysis on any loan type, from the simplest loan requests to the most complex agricultural and related small business credits utilizing the Farm Financial Standards Ratios and RMA Industry Comparisons. Credit bureau reports can be pulled from within the Web Equity Manager® system and lenders can include that information in their scoring and rating parameters. Web Equity Manager® also provides the Fair, Isaac LiquidCredit® analytic and decisioning service for small business lending, including the industry-leading Small Business Scoring ModelsSM (SBSSSM) functionality so lenders can quickly and confidently process loans up to $250,000 with little or no financial data.
Click on the link below (or call ECI) to schedule a live online demonstration of Web Equity Manager® financial analysis capabilities today.
FREE Online Demo Form Here...
1-800-264-0787 ext. 200
ECI Home Page Here
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