In today's competitive market, instant credit decisioning is no longer a competitive advantage, it's a necessity.  Designed specifically to mirror your credit union's decisioning environment, our Credit Online Decisioning Agent (CODA) product offers unrivaled customization and flexibility.  

ENHANCE YOUR BOTTOM LINE WITH CODA

• Cross-sell other loan products
• Counter-offer members, who do not qualify for the requested amount, with a reduced loan amount
• Up-sell to consumers who qualify for higher amounts

We believe in the concept of one-to-one decisioning, in which many criteria items are used to derive a credit response tailored to the applicant.  This level of decisioning allows a lender to employ critical lending practices such as risk based lending and relationship pricing.  To carry the concept of one-to-one decisioning a little further, CODA systems can create cross-sell, counteroffer and up-sale offers.  Each CODA system is unique and built based on a client's vision for decisioning, in addition to their lending philosophy and portfolio performance. 

DYNAMIC DECISIONING ACROSS ALL LENDING CHANNELS

• Members can apply anywhere, anytime and get instantly approved
• Open new checking accounts in seconds
• Web based access allows for multiple branches to use central decision criteria
• Indirect dealers can access the credit union's auto application and approve a member's auto loan immediately

Through a strategic relationship with CUNA Mutual Group, CODA can integrate with loanliner.com, an online lending tool using the LOANLINER 50-state compliant system. Loanliner.com includes customizable Web-based loan request forms, loan quote calculators, and lending documents which can be sent electronically to members.  Additionally, application and credit file data can be downloaded into loan origination systems making integration seamless.

Ser Technology Corporation has been providing Credit Technology Innovation^TM to the Credit Union marketplace since 1994.  

For additional information, please contact a Credit Union Resources representative at 1-800-442-5762 and their extension.

Tom Hodge,  Ext. 6424
hodge@curesources.coop