About CMSI

CMSI is a premier provider of credit automation software and services. With 25 years of experience in the credit processing industry, CMSI is a leader in open-architecture software products and services. Our state-of-the-art products automate the entire consumer credit process from origination, through credit analysis, and contracting for direct and indirect lenders all over the country. CMSI can fully support all your consumer lending products, including Auto Retail and Lease, Home equity, RV, Marine, Credit Card, and Student Lending. Specializing in systems that combine precise business information with the latest technology has made CMSI’s solutions the choice of leading financial institutions in the U.S. and Canada.

On the Web

CMSI solutions are available on as ASP basis, also known as Software as a Service (SaaS). All the power, flexibility and control of Origenate is available to you - without an investment in hardware, software or technical resources. All you need is access to the Internet and a browser. The system is also available as a traditional software license. So no matter how large or small your financial institution, CMSI has a cost-effective solution that provides the flexibility to adapt to future changes in your business strategy or the credit marketplace.

Security

CMSI has partnered with Quest, a leading infrastructure specialist, to provide highly secure, reliable data centers with high-speed communications, high availability systems, and disaster recovery services. We conform to SAS 70 Type 2 auditing standards. Automated monitoring of your systems alerts us to many potential issues before they become a problem. However, should you need assistance, our US-based support representatives are available 24/7.

Credit Automation

CMSI’s products and services allow customers to automate the entire credit granting process, expediting analysis and decisioning, and facilitating compliance with federal and state regulatory requirements. Our systems are designed to help credit originators

v Improve operating efficiencies by increasing productivity

v Enhance customer satisfaction by reducing turnaround time on credit decisions

v Decrease portfolio risk by applying consistent underwriting standards.

The result: CMSI’s solutions can enable lenders to improve credit decisions and gain a competitive edge.

CMSI's Premier Credit Origination System

CMSI specializes in strategic lending solutions that combine precise business information with the latest technology to help customers make better decisions and gain a competitive edge. We have leveraged our extensive experience to design and build Origenate®, a powerful browser-based solution that supports both indirect and direct consumer credit processing. Origenate offers sophisticated risk analysis; automated decisions/auto-assisted decisioning; control over rules, policies, and scoring strategies; and the ability to monitor lending policies to ensure regulatory and internal compliance. Designed to give lenders more powerful functionality and greater flexibility, Origenate offers users maximum control over their entire credit origination process. In addition, Origenate provides unparalleled connectivity to external sources of applications, including DealerTrack and RouteOne. CMSI provides high speed connectivity to all of the consumer credit bureaus, title, appraisal, and flood vendors, as well as other data suppliers. For more information about the power of Origenate, click here.

Need to move quickly into a higher degree of credit automation? CMSI offers Origenate Xpress. Incorporating the key decision support, connectivity, and ease-of-use features of Origenate, the Xpress option offers the benefits of exceptionally rapid deployment and flexible pricing options. The Xpress version of Origenate includes electronic loading of loan application data from DealerTrack, automated credit bureau access, analysis functions that simplify credit investigation, and powerful decision tools that help improve credit quality. CMSI also offers an enhanced version that provides additional flexibility in the area of automating your rules and policies, the ability to automate rate-to-risk pricing, and extensive contract administration functionality. Plus, you can easily transition to the full power of Origenate when your volume or your business strategy makes it the appropriate choice. For more information about Xpress, click here.

Powerful Rules and Workflow Engine

If you are looking for a way to gain more control over decision criteria without replacing your entire loan origination system, CMSI’s eValuate decision engine is available on a stand-alone basis. It’s built-in if you’re using CMSI’s Origenate loan origination system. Used in conjunction with any front-end application processing system, eValuate is a powerful and robust system for evaluating consumer credit, handling sophisticated calculations, scorecards and decision criteria. It compares application characteristics against lender-defined credit policies and guidelines to fully automate or just to recommend a credit decision. eValuate maintains consistency in decisioning and strict adherence to credit policies and guidelines. With eValuate in place, credit risk management is more flexible than ever before, thanks to a host of user-friendly administration screens.

PortfolioRevue

PortfolioRevue is a powerful, easy-to-use business intelligence tool for Executives, Credit Risk and Portfolio Managers to review and monitor their portfolios at Internet speed. Combining origination and servicing data with the power of CMSI’s rules engine, the enhanced business intelligence dashboards allow lenders to manage capital requirements, loss reserves, return on assets, and credit strategy. This can help identify positive and negative credit trends early, and allow you to stay on top of all of the current and ongoing compliance requirements. Automated lookups refresh bureau scores and automatically update asset values for vehicle and real estate loans.

Looking Ahead

CMSI's products and services have been designed to work together and complement each other to provide a seamless credit application process that meets the demands of today's businesses. As a result, CMSI is well positioned to provide its customers with the most reliable, efficient, and yet innovative credit management solutions available. Check out a detailed listing of our products and services here.