Consumer Lending

In-Branch

Optimize your branch lending operations with Digital Insight's DeskTopLender - an Internet-based loan application with automated decisioning - and DeskTopLender Premium - our browser-based, turnkey loan origination system designed to increase loan volumes and improve cost efficiencies.

DeskTopLender

DeskTopLender (DTL) is an Internet-based product that provides your branch offices with a new and more powerful means to process and decision consumer loan applications. With an intuitive user interface designed for loan professionals, DeskTopLender enables your staff to swiftly serve loan requests. Underwriting criteria is automated and used to return application decisions in seconds. The decision engine generates consistent application decisions across Internet and Branch loan origination channels. Using the lending self-administration tool, Management Console, you can change product rates, update disclosures, and modify product names and descriptions.

Additional features include:

• High level of security
• Automated underwriting
• Risk-based pricing (industry term)
• Credit bureau support (Equifax, Experian and TransUnion)
• Scorecard support
• Loan calculator
• Product specific applications
• Customized disclosures
• HMDA support
• Debt consolidation
• Daily and monthly application detail reports
• Interfaces to loan origination and data processing systems

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DeskTopLender Premium

DeskTopLender Premium (DTLP) is a robust online in-branch lending system that streamlines your loan operations, automates loan decision processes, and supports manual decision review and reprocessing. Built with our powerful decision engine, loan officers will save time and increase efficiencies processing loan applications through this user-friendly system. Front and back office lending operations are streamlined freeing up loan officers to up-sell and cross-sell additional products and services. DTLP ensures that automated and judgmental lending decisions are made based on a financial institution's lending policies. Application changes are also more consistent as they are conducted at the corporate level and take effect simultaneously.

Additional features include:

• Proprietary decision engine
• Configurable decision rules
• Loan summary
• Credit Bureau summary
• Decision recommendations
• Decision history audit and review
• Workflow management
• User access settings
• Data validation
• Online lending product integration
• Save applications
• Loan notes
• Scorecard

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