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How the products connect

Every module, in the order a loan meets it. Select one to see what it reads and feeds.

1 APPLY2 CHECK3 READ4 DECIDE5 CONTRACT6 RUN7 WATCHTHROUGHOUT Hosted Application → Apply: The answers, sealed on Apply’s form. Hosted Application → Book and reports: Where each applicant came from, for the funnel. Portal → Book and reports: Reminders go only where the messaging rules allow. Compare → Broker: The same products, costed the same way. Identity → AML: The identification record, for due diligence. Statement → Score: The reading every measure is taken from. Apply → Score: Declared income, for consistency. Small Amount → Score: The headroom under the 10% limit. LoanManager → Score: Every instalment, as a match that moves the rating. Score → Policy Engine: A policy may refer on the score. Apply → Policy Engine: The answers, for the policy’s conditions. Apply → Intent: Declared against observed, for candour. Apply → Controls: Evidence the inquiries were made. Extract → Statement: A statement file’s rows, its balances checked. Extract → Enrich: A statement file’s rows, to be read one by one. Enrich → Statement: Each transaction’s category and payee. Statement → Capacity: Income, commitments and expenses. Statement → Apply: What the account shows, beside what was declared. Statement → Policy Engine: The reading and its signals. Statement → Intent: Other lenders paid, and dishonours. Statement → Collections: What the borrower can afford now. Capacity → Apply: Declared figures through the same arithmetic. Capacity → Policy Engine: Surplus and ratios, for the thresholds. Capacity → Intent: The surplus at assessment. Small Amount → LoanManager: The fee caps the ledger checks. Documents → LoanManager: No contract before the documents are given. Contracts → Sign: Every signature on a contract, on the signing page and with the evidence Sign seals. Contracts → Documents: The wording of a lender’s own loan contract, published as a template. Sign → LoanManager: The signature the contract’s replay reads. LoanManager → Payments: The day’s debits. Payments → LoanManager: Dishonours, as reversals. Payments → Intent: A stopped payment, as a signal. LoanManager → Portal: The borrower’s view of the same figures. LoanManager → Credit Reporting: Repayment history, month by month. LoanManager → AML: Transactions to monitor. LoanManager → Intent: How the account has actually been run. LoanManager → Book and reports: Every account, added up into the book. Collections → Complaints: The hardship periods a complaint runs on. Small Amount → Controls: The provisions it produces evidence for. Collections → Controls: The provisions it produces evidence for. LoanManager → Controls: The provisions it produces evidence for. Apply → Record: The reasonable inquiries record. Policy Engine → Record: Each policy version. Broker → Record: The best interests file. Collections → Record: The written reasons. LoanManager → Record: The answers, on the form version they were given on. Documents → Record: Every document version. Operations → Record: The file’s conclusion, in the words Record keeps. Privacy → Record: The disposal certificate. Sign → Record: The evidence of each signature. Creditcrest Hosted ApplicationHosted Application Creditcrest CompareCompare Creditcrest BrokerBroker Creditcrest ApplyApply Creditcrest IdentityIdentity Creditcrest ExtractExtract Creditcrest EnrichEnrich Creditcrest StatementStatement Creditcrest CapacityCapacity Creditcrest Policy EnginePolicy Engine Creditcrest AMLAML Creditcrest ScoreScore Creditcrest DocumentsDocuments Creditcrest ContractsContracts Creditcrest SignSign Creditcrest LoanManagerLoanManager Creditcrest Small Amount (SACC/MACC only)Small AmountSACC/MACC only Creditcrest PaymentsPayments Creditcrest PortalPortal Creditcrest Credit ReportingCredit Reporting Creditcrest IntentIntent Creditcrest CollectionsCollections Creditcrest RecordRecord Creditcrest ControlsControls Creditcrest OperationsOperations Creditcrest ComplaintsComplaints Creditcrest PrivacyPrivacy Creditcrest Book and reportsBook and reports
feedsreadsgateColumns run in the order a loan takes; products in one column share a stage.Contract and product rules: Code disclosure, every consumer loan; SACC and MACC cost caps, only where the loan is one; Business loans, outside the Code.

50 connections

Pick any module

Its inputs and outputs light up, and each is explained here.

Origination Suite · Apply

Hosted Application

Your application, run for you.

Reads

Nothing from another product.

Feeds

  • ApplyThe answers, sealed on Apply’s form.
  • Book and reportsWhere each applicant came from, for the funnel.
Open Hosted Application →

For Brokers

Compare

Compare the whole cost.

Reads

Nothing from another product.

Feeds

  • BrokerThe same products, costed the same way.
Open Compare →

For Brokers

Broker

Keep the reasoning.

Reads

  • CompareThe same products, costed the same way.

Feeds

  • Record sealedThe best interests file.
Open Broker →

Origination Suite · Check

Apply

Questions with a record.

Reads

Feeds

  • ScoreDeclared income, for consistency.
  • Policy EngineThe answers, for the policy’s conditions.
  • IntentDeclared against observed, for candour.
  • ControlsEvidence the inquiries were made.
  • Record sealedThe reasonable inquiries record.
Open Apply →

Origination Suite · Check

Identity

Know what was verified.

Reads

Nothing from another product.

Feeds

  • AMLThe identification record, for due diligence.
Open Identity →

Decisioning Suite · Read

Extract

Only the rows, checked.

Reads

Nothing from another product.

Feeds

  • StatementA statement file’s rows, its balances checked.
  • EnrichA statement file’s rows, to be read one by one.
Open Extract →

Decisioning Suite · Read

Enrich

Every match has a reason.

Reads

  • ExtractA statement file’s rows, to be read one by one.

Feeds

  • StatementEach transaction’s category and payee.
Open Enrich →

Decisioning Suite · Read

Statement

Follow every figure.

Reads

  • ExtractA statement file’s rows, its balances checked.
  • EnrichEach transaction’s category and payee.

Feeds

  • ScoreThe reading every measure is taken from.
  • CapacityIncome, commitments and expenses.
  • ApplyWhat the account shows, beside what was declared.
  • Policy EngineThe reading and its signals.
  • IntentOther lenders paid, and dishonours.
  • CollectionsWhat the borrower can afford now.
Open Statement →

Decisioning Suite · Read

Capacity

See the arithmetic.

Reads

Feeds

  • ApplyDeclared figures through the same arithmetic.
  • Policy EngineSurplus and ratios, for the thresholds.
  • IntentThe surplus at assessment.
Open Capacity →

Decisioning Suite · Decide

Policy Engine

Your policy. Replayable.

Reads

  • ScoreA policy may refer on the score.
  • ApplyThe answers, for the policy’s conditions.
  • StatementThe reading and its signals.
  • CapacitySurplus and ratios, for the thresholds.

Feeds

  • Record sealedEach policy version.
Open Policy Engine →

Origination Suite · Decide

AML

Due diligence, documented.

Reads

Feeds

No other product.

Open AML →

Decisioning Suite · Decide

Score

Measured against your own book.

Reads

  • StatementThe reading every measure is taken from.
  • ApplyDeclared income, for consistency.
  • Small AmountThe headroom under the 10% limit.
  • LoanManagerEvery instalment, as a match that moves the rating.

Feeds

Open Score →

Origination Suite · Contract

Documents

The right version, in order.

Reads

  • ContractsThe wording of a lender’s own loan contract, published as a template.

Feeds

  • LoanManager gateNo contract before the documents are given.
  • Record sealedEvery document version.
Open Documents →

Origination Suite · Contract

Contracts

Write it once. Keep it signed.

Reads

Nothing from another product.

Feeds

  • SignEvery signature on a contract, on the signing page and with the evidence Sign seals.
  • DocumentsThe wording of a lender’s own loan contract, published as a template.
Open Contracts →

Origination Suite · Contract

Sign

Sign it. Keep the proof.

Reads

  • ContractsEvery signature on a contract, on the signing page and with the evidence Sign seals.

Feeds

  • LoanManagerThe signature the contract’s replay reads.
  • Record sealedThe evidence of each signature.
Open Sign →

Servicing Suite · Contract

LoanManager

A ledger that tells the story.

Reads

  • Small AmountThe fee caps the ledger checks.
  • Documents gateNo contract before the documents are given.
  • SignThe signature the contract’s replay reads.
  • PaymentsDishonours, as reversals.

Feeds

  • ScoreEvery instalment, as a match that moves the rating.
  • PaymentsThe day’s debits.
  • PortalThe borrower’s view of the same figures.
  • Credit ReportingRepayment history, month by month.
  • AMLTransactions to monitor.
  • IntentHow the account has actually been run.
  • Book and reportsEvery account, added up into the book.
  • ControlsThe provisions it produces evidence for.
  • Record sealedThe answers, on the form version they were given on.
Open LoanManager →

Decisioning Suite · Contract · SACC/MACC only

Small Amount

Costs in dollars and dates.

Reads

Nothing from another product.

Feeds

  • ScoreThe headroom under the 10% limit.
  • LoanManagerThe fee caps the ledger checks.
  • ControlsThe provisions it produces evidence for.
Open Small Amount →

Servicing Suite · Run

Payments

Movement with a record.

Reads

Feeds

Open Payments →

Origination Suite · Run

Portal

One account. A clear view.

Reads

Feeds

Open Portal →

Servicing Suite · Run

Credit Reporting

Report from the ledger.

Reads

Feeds

No other product.

Open Credit Reporting →

Decisioning Suite · Watch

Intent

Signals you can inspect.

Reads

  • ApplyDeclared against observed, for candour.
  • StatementOther lenders paid, and dishonours.
  • CapacityThe surplus at assessment.
  • PaymentsA stopped payment, as a signal.
  • LoanManagerHow the account has actually been run.

Feeds

No other product.

Open Intent →

Servicing Suite · Watch

Collections

Dates. Reasons. Next steps.

Reads

Feeds

  • ComplaintsThe hardship periods a complaint runs on.
  • ControlsThe provisions it produces evidence for.
  • Record sealedThe written reasons.
Open Collections →

Decisioning Suite · Throughout

Record

Sealed. Then append-only.

Reads

  • Apply sealedThe reasonable inquiries record.
  • Policy Engine sealedEach policy version.
  • Broker sealedThe best interests file.
  • Collections sealedThe written reasons.
  • LoanManager sealedThe answers, on the form version they were given on.
  • Documents sealedEvery document version.
  • Operations sealedThe file’s conclusion, in the words Record keeps.
  • Privacy sealedThe disposal certificate.
  • Sign sealedThe evidence of each signature.

Feeds

No other product.

Open Record →

Compliance Suite · Throughout

Controls

Show what opens the gate.

Reads

Feeds

No other product.

Open Controls →

Decisioning Suite · Throughout

Operations

Every handover is visible.

Reads

Nothing from another product.

Feeds

  • Record sealedThe file’s conclusion, in the words Record keeps.
Open Operations →

Compliance Suite · Throughout

Complaints

Every complaint accounted for.

Reads

Feeds

No other product.

Open Complaints →

Compliance Suite · Throughout

Privacy

Make data duties visible.

Reads

Nothing from another product.

Feeds

  • Record sealedThe disposal certificate.
Open Privacy →

Servicing Suite · Throughout

Book and reports

The book, counted honestly.

Reads

  • Hosted ApplicationWhere each applicant came from, for the funnel.
  • Portal gateReminders go only where the messaging rules allow.
  • LoanManagerEvery account, added up into the book.

Feeds

No other product.

Open Book and reports →