Platform

Lending Automation & Business Rules

Automate repeatable decisions, calculations, actions and exceptions using lender-defined rules.

Automation rules turning application data into decisions, tasks and flagged exceptions

Put your lending policy into the platform

appTRAKER gives lenders a configurable rules and automation foundation for turning lending policy and operating requirements into executable processes.

Rules can evaluate application, credit, collateral, transaction, program, verification and workflow information and determine what should happen next.

Rules built around how you lend

Different products require different policies. appTRAKER can apply lender-defined rules involving information such as:

Application and applicant data
Credit bureau information
Scores and credit attributes
DTI, PTI and LTV
Income and employment
Collateral and valuation
Lending programs
Pricing and rates
Loan or lease structure
Fraud and verification results
Dealer or origination channel
Conditions and stipulations
Approval authorities
Other lender-defined data and calculations

Rules can vary by product, program, finance type, channel or other configured criteria.

Turn rules into actions

Rules become more useful when they do something. appTRAKER automation can use configured logic to support activities such as:

Route applications
Assign queues or users
Calculate values
Determine program eligibility
Apply pricing
Create tasks
Add conditions or stipulations
Trigger verification
Generate notifications
Identify exceptions
Support underwriting decisions
Initiate document workflows
Control funding requirements
Trigger integrations or downstream activity

The lender determines where automation operates and when the process should return to a person.

Automate under lender-defined control

Lender-defined rules determine which applications can be automated and which return to staff for review.

Straightforward transactions can move automatically while applications involving exceptions, additional verification, unusual structures or greater approval authority can be routed for human review.

Automate the predictable. Escalate the exceptions. Keep your credit policy in control.

Extend automation across the platform

Purpose-built appTRAKER products can apply the same automation foundation to specific parts of origination.

autoBOUGHT

Automated underwriting and decisioning using lender-controlled rules and tolerances.

autoBUILT

Automated deal structuring within lender-defined limits.

Fraud Intelligence

Use fraud and identity signals to support verification and review workflows.

Configurable Workflows

Route the resulting work, exceptions, tasks and approvals through the appropriate lending process.

Explore autoBOUGHT, autoBUILT, Fraud Intelligence and configurable workflows.

Your policy. Executed consistently.

Calculations, eligibility, pricing, routing and exception handling are centralized in versioned business rules.

appTRAKER helps turn repeatable lending requirements into configurable rules and automation while preserving human review where judgment belongs.

Define the rule. Automate the action. Manage the exception.

Let’s talk

Put your credit policy into the platform.

See how appTRAKER turns lender-defined rules into routing, pricing, tasks, stipulations, verification and underwriting decisions.