Automate Lending Across the Enterprise

Particularly in today's environment, managing your lending operations as separate silos is risky and potentially costly. PhoenixEFE Enterprise Lending capabilities are designed to help your institution automate every stage of your lending operations from origination to debt management.

 
PhoenixEFE integrates applications for every major stage of the commercial, consumer and mortgage lending process.

Origination & Underwriting
The data gathering, decisioning and documentation workflows for origination and underwriting vary widely among commercial, consumer and mortgage loans.

PhoenixEFE offers a variety of specialized applications tailored to the commercial, consumer and mortgage origination workflows. At the same time, the industry leading integration of PhoenixEFE makes boarding all of those loans more efficient and more automated.

For commercial loans, PhoenixEFE Credit Risk Management, powered by CreditQuest®, manages origination, analysis, underwriting, documentation and executive reporting.

For consumer loans, PhoenixEFE Consumer Credit Application Processing, powered by DecisionPro™, combines automated decisioning and origination workflow management to reduce credit and operational risk.

For mortgage loans, PhoenixEFE Mortgage Origination, powered by E3™, provides critical business process management, integration and connectivity across the mortgage supply chain, enabling lenders to integrate service providers into their business processes.

Credit applications of all kinds are then updated in real time with data from the enterprise customer database of PhoenixEFE. If the applicant is already a customer, all the necessary data elements are populated in the loan application, reducing the chance for error and eliminating manual data entry.

Data from each of these applications then passes seamlessly to PhoenixEFE Compliant Documents, powered by LaserPro®, offering federal and 50-state document compliance with application and closing capabilities for commercial, consumer and residential real estate lending. Once underwritten, loans are then boarded automatically in PhoenixEFE Universal Loan Servicing.

Servicing
PhoenixEFE offers your institution one universal loan servicing application for commercial, consumer and mortgage lending. Unlike other core processing systems, which often separate these functions and duplicate account number structures and customer or member records--PhoenixEFE Universal Loan Servicing allows you to consolidate your loan operations, cut training costs and eliminate manual processes. PhoenixEFE supports all traditional functions in the areas of installment, mortgage, line-of-credit and commercial lending. Core capabilities include participation, loan accounting, charge-off tracking and collections management. Line-of-credit lending features support personal, executive and home equity lines. Construction loans are also supported.

Debt Management
PhoenixEFE Collections helps to automate commercial or consumer impaired loan processing using real-time access to the same account, customer or member, and transaction information used for servicing. Using work groups, work queues and tasks, PhoenixEFE Collections provides your financial institution with powerful resource management tools to track and process follow-up tasks throughout your collections process.

Risk Management Across Your Portfolio
Senior risk and executive level staff need a tool for consistent analysis of their entire portfolio. Data can be viewed and reported on from the portfolio level down to single customer and specific accounts. Portfolio Manager provides the ability to identify, analyze and report on concentration risk, perform stress tests and monitor key performance metrics.