Enterprise Systems for Direct Lending

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Loan Management System

We understand your business....

Since 1990, we have been delivering innovative solutions to leading players in the finance industry. We know how to apply technology to the business challenges that you face:

*	Diversify	*	Embrace the Internet
*	Provide superior customer service	*	Invest prudently in technology

Vulcan Loans

> The Technology

Vulcan Loans is our enterprise software system for the personal lending industry. It provides full product processing and service functionality within a comprehensive Customer Relationship Management (CRM) framework.

Vulcan Loans will streamline your operations, integrate your sales channels, and put customers at the centre of your business. The integrated workflow system provides specific processes for the management of key activities such as renewal calls, arrears/collection calls, miscellaneous follow-ups and direct sales campaigns. Product set-up is fully parameterised in the Vulcan Loans system, which enables rapid introduction and modification of products.

Vulcan Loans provides comprehensive audit trails. This includes versioning of all data look-up fields and versioning of client information. The system also maintains complete histories of all transactions and book-keeping entries per account.

Key Benefits

The Vulcan Loans system

will streamline your company with an integrated end-to-end solution
is customisable to meet your unique business and operational needs
is a multi-product platform - grow your product base
is a multi-channel platform - expand into new distribution channels
is customer-centric - get a consolidated view of each customer across all business areas
is scalable - sites and users are easily added as your business expands
has an open architecture - integrate rapidly with existing systems

Understanding the Vulcan Loans System

Products

What you can sell

Channels

How you can sell & service

Software Components

What the system gives you

Personal Loans
Direct
Broker / POS

Mortgages
Direct
Broker / POS

Credit Insurance

Personal Accident Insurance

Mortgage Protection

Face-to-Face
Retail Network
Field Sales Executive
Broker

By Internet
Internet Self-Service
Internet Broker

By Phone
Call Centre Sales Agent

Modules
Application Entry
Credit Processing
Loan Management System

Features
Workflow
Contact and Promotions Management
Notepad
Correspondence Management
Print Management
Letter-writer
Help
MIS
Ad hoc reporting and workflow queuing
Data Mining
Application Integration

POS	Point-of-Sale Dealer
Internet Broker	Partner that re-brands and sells provider's products via their website

Loan Management System Functionality
Sales	Application Processing	Accounts
Consolidated customer view Commission management POS Dealer Holdback (0% finance) Renewals (consolidation of existing loans) Joint & Guaranteed loans Fixed or Variable rate lending Matrix-based rates Matrix-based override rates Standard or Non-standard loan terms Secured or Unsecured lending Second mortgage Workflow-managed sales and renewals	Application capture & validation Automated real-time ICB connectivity Parameter-driven credit scoring matrix Choice of credit insurances Parameterised product set-up Marketing source tracking Joint & Guaranteed applications Multiple cheque payout Broker / POS application status	Daily interest accrual Transaction driven account updates ICB profile generation and maintenance Scheduled and ad hoc EFT/DD generation Automated unpaid EFT/DD processing Interface to Billpay systems Interface to insurers Transaction and billing history Effective dating Interface to Bank Reconciliation system General ledger tracking for transactions Suspense system
Customer Service	Arrears Processing	Management Info System
Consolidated customer view Deferments (payment holidays) Rescheduled lending Renewals (consolidation of existing loans) Settlements Correspondence management Full audit trail on all amendments	Due date arrears calculation Workflow-managed collections Comprehensive suite of arrears letters Litigation tracking and correspondence	Broker / POS tracking Transaction processing by branch Inter-branch transaction processing Arrears/Sales calls by operator Monthly reports - sales, accounts & arrears Parameterised account look-up