One System. One Solution.
Complete consumer loan origination solution for direct, indirect, online lending, and account openingSelect Your Institution:
Consumer Loan Origination Solution
- Direct
- Indirect
- Retail & Merchant
- Online & Mobile Lending
- Deposit Account Opening
Meet the Revolution
Quickly adapt to an evolving marketplace with DecisionLender 4, a remarkably versatile platform supporting on-the-go underwriting opportunities.
- Simplified direct, indirect and online lending
- Application, decisioning, eSignature, funding and more
- Flexible and configurable: make changes instantly
- The only cloud-based loan origination solution
- Use from any mobile device
Products for an Evolving Marketplace
Direct
- Supports all consumer lending loan categories with built-in configurations for more than 11 loan types
- Enables creation, design and configuration of a unique workflow, built to fit your needs
- Integrates with 20+ core servicing systems
- Allows you to use your proprietary forms and applications, easily mapping all the fields so they auto-populate for online/mobile applicants or compliant versions provided by TCI
- Robust rules engine that drives automation throughout the lending and account opening process, not just during decisioning
Indirect
- Delivers robust integration with indirect lending portals including Dealertrack, RouteOne and CUDL as well as our proprietary DecisionLender 4 dealer portal
- Supports e-contracting, digital document services (DDS) and CUDL SmartFund so you can digitize paper documents and lose the filing cabinet
- Ensures fast decisions and automated counteroffers are immediately sent to dealers and allows you to assign rankings to develop a dealer rating system that drives an action resulting from the dealer rating
- Provides the tools for you to analyze performance and improve monitoring of your business in real time through the robust suite of indirect lending interactive management reports
Online / Mobile
- Ensures a frictionless, mobile-friendly online experience for each consumer’s financing needs
- Gives you 24/7 online/mobile loan origination capabilities with robust safeguards and multiple fraud risk controls
- Delivers true omnichannel flexibility—start loans, save progress and close loans in multiple locations, on multiple devices, all without investing in IT
Retail & Merchant Lending
- Facilitates quick, easy and secure completion of the lending workflow without the need for paper or filing cabinets thanks to eCelerate, our paperless solution for automatic forms and contracts
- Grants you the power to design a uniquely tailored retail lending process for any type of unsecured retail loan, retail finance or installment loan, including specialty lending options such as major purchases for the home, elective medical procedures and dental surgery
- Provides a proprietary portal and integrates with third-party retail portals. Can also be integrated into in-store kiosks
Account Opening
- Makes account opening available 24/7, no matter where your consumer is, with responsive mobile accessibility and branded consumer portal
- Gives branch employees the freedom to use their desktop, laptop or tablet to open a new account for consumers based on your specified products
- Reduces keystrokes and errors for existing account holders opening new accounts by auto-populating applications with information from your core, when integrated
- Allows branch employees and consumers the option to prepopulate a new application by scanning or taking a picture of the consumer’s driver’s license
- Tracks multiple points of data, including abandonment rates and consumer time spent on each page with robust analytics that also allow for analysis of the relationships between various data points
Features Designed for the Future of Lending
Completely Configurable Without IT Resources
- Quickly configure direct, indirect, online/mobile, retail lending and account opening products to your specifications, without an IT staff, tickets or wait times
- Respond to dynamic marketplace changes without the need for IT resources
- Add or modify fields and rules at any time with just a few clicks of the mouse
Compliance and Policy Enforcement
- Uniquely define role permissions, authorities and role-based exception authorization levels
- Automate the identification of rules-based policy violations and rules-based stipulation generation with assigned severity levels
- Integrate with third-party documentation providers for automated documentation compliance
Reporting and Risk Mitigation
- Use simple drag-and-drop controls to design configurable reports, user-defined columns and graphs
- Analyze and interpret rules results, dealer performance and configuration data with any third-party analytical or reporting tools
- Schedule any type of reports—including custom-created reports and more than 49 report templates—to be automatically run and delivered to the assigned associate
Automated Document Preparation
- Streamline consumer correspondence with third-party document integration to ensure that consumers receive accurate, timely and compliant communications
- Offer compliant retail contracts and document integration faster and more accurately, eliminating hassle and reducing your legal exposure—or choose to use your proprietary forms and applications, easily mapping all the fields so they auto-populate for any loan type applied for by online/mobile applicants
- Readily generate and send risk-based pricing notices
Compliance and Policy Enforcement
- Uniquely define role permissions, authorities and role-based exception authorization levels
- Automate identification of rules-based policy violations and rules-based stipulation generation with assigned severity levels
- Integrate with third-party documentation providers for automated documentation compliance
Automated Decisioning and Counter-Offers
- Integrate and automate your indirect lending process as much—or as little—as you want with programming options for approvals, stipulations, funding, ACH and more
- Improve consistency with real-time data transfer to and from integrated cores
- Streamline communication with option to automatically generate and send counteroffer letters
Integrations with Most Credit Union Core Systems
- Ensure accuracy of data with instant two-way integration, connecting from any third-party data source or core servicing system, when available
- Gain the power of a robust rules engine with over 30,000 prebuilt rules and the power to create your own unique rules with a few clicks of the mouse
- Make third-party integrations simple with software intermediary application programming interface (API)
Robust Analytics and Dashboards
- Build reports from scratch with user-defined columns and graphs using drag-and-drop controls
- Analyze decision rules to see what changes can increase growth, identify redundancies and inefficiencies in rules, and adjust for frequently overruled declines
- Use more than 49 report templates that can be scheduled or configured and use any third-party analytics and reporting tools
Completely Configurable Without IT Resources
- Skip the IT department and modify or add fields and rules anytime with just a few mouse clicks
- Tailor lending products immediately to the demands of the marketplace and the requirements of your company with completely configurable product options for all loan types
- Create your personalized, distinctive lending environment while easily and quickly responding to unique marketplace needs and opportunities
Supports All Major Alternative Data Sources
- Import and integrate DecisionLender 4 data and other figures into your database
- Use any third-party analytics and reporting tools including Tableau Analytics, Domo, and Crystal Reports
- Immediately access data in the cloud through Amazon Web Services
Robust Decisioning and Scorecard Support
- Empower your auto-decisioning with our robust rules engine with over 30,000 prebuilt rules and the ability to create your own unique rules with a few clicks of the mouse
- Integrate and automate your lending process as much—or as little—as you want with programming options for approvals, stipulations, funding, ACH and more
- Automatically generate and send counteroffer letters
- Take back control and maintain your organization’s process by selecting the rules and values that comprise your credit scorecard
Total Compliance Through Regulation Z and Carleton
- Robust, compliant calculations thanks to integration with Carleton financial calculation engine
- Regulation Z enforcement for state maximums by loan type, term, etc.
- Tolerance enforcement across all 50 states plus territories for APR, payment calculations, fee validations and more
Decision Summary Dashboard
View all the info you need about a particular loan in one screen
Secure. Reliable Uptime. Available 24/7 on any device.
Our web based loan origination software has launched a lending revolution! DecisionLender is a software-as-a-service (SaaS) online lending loan origination software solution. Hosted at AWS, you know it is always secure and always available for consumer lending any time and on any device.
- Active-Active-Active means unparalleled redundancy and uptime.
- Multi-factor Authentication
- Responsive Design
- SOC 1, SOC 2, SOC 3, ISO 27001, ISO 9001, PCI-DSS Level 1, and EI3PA Certified
- Full Audit Compliance Capabilities
Why Choose TCI?
As the foremost industry expert, TCI continues to lead in both product innovation and customer satisfaction. TCI’s experts all have real-world experience in lending, whether at a bank, credit union or independent finance company. Our customer service commitment extends through the entire implementation process so you can quickly go live and get ongoing support as you continue to configure forms and workflow. As part of our commitment to customers, we regularly host training events and make visits to clients to learn how to adapt our products to meet their needs in this dynamic lending environment.
Success Stories
Contact Us
Address1377 Motor Parkway, Suite 400
Islandia, NY 11749 General Support(800) 841-9950 Sales Support(800) 824-9069
option 4 E-Mailinfo@tcicredit.com Get Social
Islandia, NY 11749 General Support(800) 841-9950 Sales Support(800) 824-9069
option 4 E-Mailinfo@tcicredit.com Get Social