Lending and Credit Management System

Creative Business Decisions (CBD) has teamed up with NHFA to provide a robust lending and credit management system to their members.

CBD is a decision management solutions company, headquartered in Princeton, New Jersey. Over the last 25 years, we have worked with Royal Furniture, American Express, Citibank, Mercedes Benz, Lacks Furniture and hundreds of other large and small companies around the world, to optimize returns on their credit portfolios through our generic, empirical and behavioral scoring models.

In this day and age where primary lenders have cut back on lending, it makes great business sense to start lending if haven’t already, or increase your lending portfolio if you are already lending.

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The Freedom to Focus
Choosing the right Loan Origination System and Credit Risk Modeling System solution means - taking control over your credit risk portfolio and not leaving your business exposed to unwarranted and unnecessary risks. It also means balancing your credit business with your goals and your financial resources. DecisionStationTM (DS) helps you overcome these challenges with a lending management solution that matches your business needs as well as your budget.

DS is designed specifically for retail businesses like Furniture, Automobile, Jewelry and other retail that are seeking a one-stop solution to help grant credit and increase productivity without disrupting everyday business operations. DS is a comprehensive and adaptable business solution developed to facilitate an efficient business decisions making process.

– Applicant's Information Capturing
– Loan Request Processing using a credit report and demographic information
– Evaluation & Decision - using a credit scoring model developed exclusively for the furniture retail industry

The fully configurable business solution is easy to deploy and simple to use and maintain. With its feature-rich applications and easy-to-use pages, DS makes it easy for you and your employees to speed up your decision making, so you can respond more rapidly to new competitive challenges and seize more opportunities.  Although it can be used over the internet, it is highly secure, using SSL security and 128 bit encryption. Linking with internal and external database is easily accomplished.

DecisionStation lets your employees have an easy access to details of every loan applicant to help you make an informed decision. Processing transactions is made extremely easy and swift with information capturing, applying rules and policies, generating documents and reports and navigation between all the modules is available at the click of a button.
Information entered into the database is simultaneously available for use by management, so you can optimize your business processes and leverage your corporate knowledge.

DecisionStation allows you to easily implement and manage scorecards and is fully integrated with the LS Retail.

DecisionStation lets you replace your existing disparate systems with a single fully integrated solution that’s accessible through the web by your employees, agents and management.

Key Benefits :

• Increase your productivity while reducing your risk by making better lending decisions.
• Use the state-of-the-art technology that uses CBD’s well respected and successful credit models
• Grow your business by cross selling your products to targeted applicants.
• Automate your credit business decisions using the advanced modeling techniques
• Eliminate costly hardware and software purchases.
• Ease-of-use makes training of new employees very easy.

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For further information please contact :
Dynamic Vertical Solutions / Creative Business Decisions
12 Roszel Road, Suite B-200, Princeton, New Jersey 08540-6234 USA
Phone: (609) 452-9551 | Fax (609) 452-0614
E-mail: info@cbdcredit.com