Total Member Care provides customized tools that make it incredibly easy for your members to gain instant, consistent access to loan decisions. We can process even the most sophisticated scoring matrices – allowing you to offer consistent approvals to your members regardless of how they apply: telephone, web, branch, indirect, remote kiosk, or through an affiliate relationship.

And it’s fast. Less than 10 seconds after members submit a loan application over the phone, online, or in branches, they receive a decision. Additionally, by combining Total Member Care’s 24-hour lending services with access to our round-the-clock financial call centers, your credit union will provide credit in the fastest, most convenient way possible to your customers.

Details of our automated lending services include:

• Customized loan applications specifically designed to match your credit union's colors, logo, marketing messages, products, and rates.
• Automated Decisioning Engine (ADE) that uses your credit union's existing underwriting and scoring policies.
• Efficient, state-of-the-art call center support and web technology.
• Personalized loan services day or night.
• Easy access to help desk and call back options for quick answers to members' questions.
• Sustained loan quality and decision consistency throughout your organization.
• Optimized workflow management to monitor the progress of loans in the system.
• Extensive reports and tools.
• Painless, simple, and quick set-up that is completely customized with full Account Management Support.

Move Existing Loans To Your Credit Union with Product Plus

We also equip you to move loans from other institutions to offer your members lower interest rates and better service. Our Product Plus service instantly compares an applicant’s credit bureau trade-line data to your services and rates. Then, our automated decisioning engine uses risk-based pricing to calculate and display reduced, pre-approved loan payments for your members.

Representatives can instantly show members how existing debts at other institutions can be consolidated at your credit union. After seeing the clear cost savings, a member only needs to indicate “YES” to accept your offer.

With Product Plus, you easily obtain more funded loans per applicant and overall higher revenues.

Advantages of Product Plus

• Increase loans per member
• Increase member convenience
• Track market share
• Track cross-selling opportunities
• Maximize every member interaction
• Deliver instant results at point of contact
• Provide greater value to credit union membership
• Avoid costly and time-consuming labor involved with "cold calling" prospective members
• Generate higher revenues with less effort

Increase member loyalty by offering more savings and services through a single point of contact.

Indirect Lending Can Help Boost Revenues

Loan volume through indirect channels can be tremendous, as long as dealers can anticipate fast turnaround times on submitted applications. If your credit union can process loan requests on evenings and weekends, Total Member Care has a unique support arm to increase your dealer indirect business.

Our Indirect Lending services include:

• 24/7 support to immediately approve applications.
• Quick response options for telephone, fax, and online applications.
• Special toll free numbers and web access for select dealers.
• Compliance with the USA Patriot Act.

Our speed and convenience can increase the volume and quality of the loan applications you receive through dealers.

Call us today at 800-443-7728 Ext. 7877 and take lending to a powerful new level.