About CMSI

CMSI is a premier provider of credit automation software and services. Drawing on two decades of experience in the credit processing industry, CMSI has developed and delivered a variety of open-architecture software products and services that manage volume intensive credit operations. Our products automate the entire consumer credit analysis, decisioning, and contracting process for direct and indirect lenders in multiple business lines, including, auto, home equity, RV, Marine, Student Lending and others. 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.

CMSI systems are available on as ASP basis or under traditional product licensing. So no matter how large or small your financial institution, CMSI has a cost-effective solution that will meet your current needs, and provide the flexibility to adapt to future changes in your business strategy or the credit marketplace.

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

improve operating efficiencies by increasing productivity,
enhance customer satisfaction by reducing turnaround time on credit decisions,
and 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 Technology and Services

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; automatic/auto-assisted decisioning; flexible 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; bureaus and other decision-support data suppliers; title, appraisal, and flood vendors, and electronic vehicle financing platforms like DealerTrack and others. For more information about the power of Origenate, click here.

For organizations seeking a way 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 Origenate Xpress Plus, 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.

Both versions of Origenate Xpress also present the opportunity for an easy transition to the full power of Origenate when your volume or your business strategy makes it the appropriate choice. For more information about Xpress and Xpress Plus, click here.

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 – the powerful and robust solution for evaluating consumer credit applications that powers Origenate – is available on a stand alone basis. Used in conjunction with any front-end application processing system, eValuate compares application characteristics against lender-defined credit policies and guidelines 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, GUI online administration screens.

CMSI has also developed a revolutionary e-commerce service to help lenders connect at Internet speed to sources of applications, and important credit decisioning information. With the CMSI Exchange, your institution will have a single interface into your current credit processing system that electronically exchanges applications, decisions, and data from numerous sources in just seconds.

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.