Loan Origination and Underwriting Solutions

SMARTS™ Application for Financial Services

Loan Origination Challenges

Competitive and regulatory pressures are driving financial institutions to invest in data, automation, and AI in order to process applications faster, reduce operational costs, and deliver a better customer experience. However, many firms are finding that their approach is too opaque, rigid, and cumbersome to manage.

This is why leading financial services firms are turning to SMARTS™ to transform their loan origination. SMARTS™ is a modern, enterprise-level, application-agnostic, decision-management platform that enables non-technical analysts and SMEs to easily automate, manage, and continuously improve business-critical decisions in daily operations, such as credit risk decisions, in a manner that is transparent, flexible, and scalable.

Applications include:

  • Product Eligibility
  • Credit Risk Scoring
  • Risk-Based Pricing
  • LTV (Lifetime Value) Optimization
  • Propensity to Pay

SMARTS™ Benefits:

  • Reduce redundancies and errors
  • Respond to regulatory and market changes faster
  • Leverage AI & machine learning in decision making

Future-Proof Credit Underwriting with SMARTS™

Loan Origination Solutions for Managing Complexity

Loan origination is complex, often with hundred of thousands if not millions of rules governing how credit risk and loan offers are calculated. SMARTS™ provides a host of tools and capabilities to empower risk analysts and product owners to take back control.

  • Rules Authoring:

    SMARTS™ enables business users to easily author, organize, test, and deploy credit underwriting logic, including rating tables and calculators without code. Rules can be reused, speeding up the process to launch new states/territories, products, and lines of business. In addition, we provide the tools that make it easy to migrate existing rules from legacy systems into SMARTS™. As a result, migration and validation of millions of rules can be completed in a matter of weeks. Learn more about SMARTS™ Rules Authoring capabilities.

  • Low-Code, No-Code:

    SMARTS™ not only provides the tools to automate credit decisioning logic and workflows but also provides the tools to create visualizations and user interfaces to make it easier for non-technical business users to manage credit decisioning logic and workflows. Learn more about SMARTS™ Low-Code, No-Code capabilities.

  • AI & ModelOps:

    SMARTS™ enables business users to leverage both explicit rules and AI in credit underwriting logic. Import and customize predictive models, trigger machine learning tasks, test different strategies, and much more. Learn more about SMARTS™ AI & ModelOps capabilities.

  • Decision Analytics:

    SMARTS™ enables business users to monitor, measure, and continuously improve credit decisioning outcomes through customizable dashboards, simulations, and alerts. Learn more about SMARTS™ Decision Analytics capabilities.

  • Lifecycle Management:

    SMARTS™ enables business users to manage credit decisions throughout their entire lifecycle transparently and securely with SMARTS™. Learn more about SMARTS™ Lifecycle Management capabilities.


Enterprise-Level Loan Origination Solutions

SMARTS™ modern architecture fits any ecosystem and provides everything you need to achieve high performance, security, and scalability. Learn more about SMARTS™ Technical Architecture.

Improve Business Outcomes with SMARTS™