The Integrated Lending Platform for Credit Management

platform is part of an integrated software solution that incorporates robust business intelligence into an enterprise-class technology.

Streamlined to Drive Your Business Forward CreditPath supports the credit lifecycle from origination through underwriting to fulfillment, monitoring and renewal. This comprehensive and powerful platform improves operating efficiencies through automation while enabling human control and monitoring over the credit process.

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Lending Payments Core Channel Optimization

• T  op-level workflow logically guides users through the processing steps.

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• E  nable multi-lingual and international credit operations on one platform.

• Intuitive document management system and analytics capabilities to support the automation of both simple and complex origination workflow processes.

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• R  obust reporting capabilities, including cube reporting, allowing users to mine data and create custom charts and graphics.

• T  he implementation methodology leverages accelerator models to deliver technologies and guide clients to deploy the system as efficiently as possible.

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• R  egulatory and compliance flags, triggers and event conditions to instigate system or user activity supporting fraud, compliance and policy adherence.

• T  he system is configured with integration to third-party bureaus, validation and industry-scoring systems.

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CreditPath offers a comprehensive approach to the credit management lifecycle that drives efficiencies and mitigates risk. With CreditPath, you can optimize your credit operations to do more of the right kind of business with better risk mitigation and a better experience for your customers.

Key Features • Q  uicker time to market for new initiatives and programs, and product offerings by leveraging configuration instead of development.

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Adaptable, Scalable Solution to Grow with Your Institution’s Long-Term Vision CreditPath improves decision quality and reduces credit risk with a highly flexible and configurable system. You will be able to adapt to changing market, regulatory and compliance needs with the same platform.

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Deploying the right technology can help you better manage risk, drive customer loyalty and reduce costs.

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CreditPath™ is an innovative credit

Lenders need to be more agile in the face of ever changing regulatory requirements, increased customer demands and heightened competition.

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• Business Executive Real Results

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Automation to Improve Efficiency The CreditPath platform can help by eliminating multiple systems and processes through centralized information and automation of routine tasks: • Information is keyed into a single system that helps you reduce paper and access data in one convenient, electronic file. • R  edundancy is eliminated by standardizing processes across the institution. Effective Risk Management CreditPath can manage and control risk at the point of origination, by standardizing workflows and ensuring credit management policies are enforced at the correct time with:

Key Features and Benefits of CreditPath Business Modules Authorization and Limits • C  onfigure authorization channels, overrides and limits. Products, Rates & Pricing • C  onfigure loan and lease product catalog, assign rate tables and track rates used on products, define tiered rate pricing based on covenant performance. Risk Management • C  onfigure semi or fully automated credit processing or configure LGD, PD and other proprietary risk rating scorecard models and process.

• R  obust collateral capture and management tools, allowing you to better manage credit risk against collateral policies and ongoing portfolio management cycles. • D  ynamic system alerts and notifications empower you to take appropriate actions. CreditPath is a platform with product features that contribute to key funtionality based on the unique lending needs of a financial institution.

CreditPath Product Feature: Business Modules Capabilities CreditPath features a wide range of core business functionality to process different aspects of customers and transactions, make decisions on transactions, and manage the necessary follow up. Some of these core business modules include collateral management: to capture collateral detail and value collateral, covenant management: to enter loan covenants and track compliance, and credit management: to create credit decisions with supportive qualitative and quantitative data.

Channel Management • C  onfigure indirect sales channels access to submit and track lease or loan transactions. Collateral Manangement • C  onfigure a collateral catalog with templates to facilitate data capture needs by collateral type. • R  ecord and manage lien positions and valuations over time. Compliance Management • C  onfigure and track loan and lease regulatory, business policy and process compliance with checklists, due diligence, insurance and document tracking functionality.

Deal Structuring • S  tructure and submit credit requests with complexity varying from a single lending or leasing product to a master request with multiple syndicated products.

Hosting

Document Management • C  onfigure document templates, generate legal and internal documents and manage the documentation process.

Business Modules

Financial Analytics • S  pread and store commercial financials. Store consumer financials and automatically link to data from credit bureaus.

Platform

Gateway

Extensions Warehouse Connect

CreditPath Product Feature: Core Platform Capabilities Engrained within the CreditPath platform are features that make working with the business modules a more robust experience. These features contribute to CreditPath’s high configurability by allowing administrators to, among many other features, create business rules, design workflows and add necessary data capture. Business Rules & Validations • C  reate and process business rules and other data validation to show messages, send notifications, route work, change statuses or other data, lock deals, etc. Collaboration Services • C  ollaborate between users and groups within CreditPath.

Covenant Management • Configure a covenant library. • T  rack covenant compliance over time and monitor collateral liquidity parameters. Credit Management • Prepare credit approval decisions with supporting qualitative and quantitative data. Customer Relationship Management • Define and store business and consumer customer information and supporting data. • Define relationships and related parties.

• D  efine and manage routing of credit requests and other transactions. • D  efine user groups and manage work queues. • D  efine and monitor operational process service level agreements. International • R  egionalize the platform for international operations and use multiple languages and currencies. Presentation • C  onfigure the platform presentation layer, branding and images. Security & Auditing • C  ontrol of security, auditing and login settings.

Lending Payments Core Channel Optimization

Scheduling • Control of security, auditing and login settings. Workflow Management • Configure business workflows, statuses, required steps and end user processes. Content Expansion Management • Create new data capture, calculated fields, embedded spreadsheets and new pages. Platform Tools - Custom Components • Code HTML templates for page headers, summary pages and PageBuilder sections for display only fields. • Code your own XHTML PageBuilder page for editable content. • A  ccess the CreditPath Jquery and Javascript library in HTML and xHTML extensions. External Tools- Deployment Tools • Enables the platform to promote configuration through configuration and testing environments to production. Data Warehouse- Reports • Access to reporting database with predefined reports and dashboards. Upload new reports and dashboards. Data Warehouse- Analytics • Perform data analytics on OLAP data cubes. CreditPath Product Feature: Product Extensions, Integrations and Third-Party Adapter Library These prebuilt integrations make it easy to access the third party services your institution’s needs. These integrations feature the appraisal, spreading, title search and other integrations you need to make your workflows streamline and minimize deployment costs. Compliant Loan Documents: • Prepare compliant loan documentation with LaserPro®. Requires LaserPro license. Financial Spreading and Analytics • C  onduct consumer, commercial and consolidated financial analysis. Financial Analyzer for CreditPath requires license.

Appraisals • A  utomate requests to Corelogic to obtain Freddie Mac Home Value Explorer® (HVE®) standalone automated valuation model (AVM). • A  utomate requests to Corelogic to obtain 2055 Exterior Quantitative Analysis appraisal and summary report – requires third-party licenses. Flood Certification • R  equest Flood Services from Corelogic (formerly First American). Requires third-party license. Title Search • S  ubmit Title Search requests to First American – requires thirdparty license. Mortgage Insurance • O  btain Insurance premium quotes and submit for Mortgage Insurance with CMHC or Genworth. Requires third-party license (Canada Only). Creditor Insurance • R  equest and obtain CUMIS creditor insurance waivers and enrolments. Requires third-party agreement. Lien Filings • C  onduct asset and collateral Lien filings (UCC-1 and UCC-3). – Requires third-party license. • L  ien or Corporation Service Company (CSC) – requires third party agreement. CreditPath Product Feature: Gateway and Service Providers Gateway Our Gateway service offers integration to over a dozen Credit Bureaus, which allows your institution to quickly pull reports and use the data that comes back in your scoring models. This service also features a Fair Isaac Liquid Credit Integration and benchmark data from PayNet.

Credit Bureaus • D&B Canada, D&B US, D&B Global Access Commercial, D&B Global Access Commercial (Custom), Equifax US Commercial, Equifax US Consumer, Equifax US Consumer (Custom), Equifax Canada Commercial, Equifax Canada Consumer, Experian US Commercial, Experian US Consumer, PayNet, TransUnion Consumer Canada, TransUnion Consumer US. • Credit Model: Fair Isaac Liquid Credit (SBSS/FICO). • Benchmark data: PayNet. CreditPath Product Feature: Connect CreditPath Connect is a separately licensed set of tools that allow CreditPath to integrate to the surrounding ecosystem of other software. This makes it easy to integrate and simple to maintain. This toolset includes the robust and secure API adaptor, a starter kit, and documentation; and will allow your institution to push/pull data from/to the system as needed. CreditPath Product Feature: Warehouse Reporting Database and Features The CreditPath Data Warehouse provides the information you need conduct thorough portfolio analysis and make the right decisions. The Data warehouse features Access to the reporting database with predefined reports and dashboards, as well as the ability to upload new reports and dashboards. You will also have the ability to perform data analytics with OLAP data cubes. Compliant Loan Documentation CreditPath also integrates with LaserPro and eliminates data rekeying to provide compliant commercial loan documentation within the CreditPath workflow. LaserPro is used by financial institutions in the United States for their loan documentation needs. Data from CreditPath flows seamlessly to LaserPro to generate a complete commercial documentation package, including detailed borrowing resolutions, loan agreements, guaranties, promissory notes and security instruments, with extensive flexibility in the terms and conditions you require.

Lending Payments Core Channel Optimization

Because our solutions share a common platform, lenders looking for an enterprise solution for multiple lines of business, are able to leverage the same technology across the institution. CreditPath provides solutions for the following key industries: • C  ommercial Real Estate • C  ommercial & Industrial • E  quipment Finance • S  mall Business • C  onsumer Lending

Overview of the CreditPath System Commercial & Industrial Lending Initiate

Commercial Real Estate Lending

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Structure

Small Business Lending Decision

Consumer Lending

Document

Fulfill

Equipment Finance Review

Renew

Business Modules Origination Systems or Customer Data Internal CRM System 1

Internal CRM System 1

External CRM System 1

Other – eq. Bank Website

Other – eq. Bank Portal

Asset Management Compliance Management

Authorization & Limits

Relationship Management

Deal Structuring

Products, Rates & Pricing

Covenant Management

Purchasing/ Invoicing

Credit Management

Channel Management

Document Management

Collateral Management

Financial Analytics

Business Rules & Validations

Collaboration Services

Content Expansion Management

International

Platform

Scheduling

Gateway

Risk Management

Extensions Security & Auditing

Credit Bureau Data Credit Bureau Reports

Credit Models

Reporting Data

OLAP Reports

Framework

API & SDK

Presentation

Workflow Management

Payment History Data

Internal System 1

Internal System 1

Future 1

Future 2

Pricing

Insurance

Lien Registration

Warehouse

Dashboards

Scheduling

Connect

LaunchPoints

AccessPoints

Compliance

Internal System 1

Other Integrated Tools and Data Sources

Custom Components

Internal System 1

Internal System 1

Internal System 1

Other Reporting Tools

Enterprise Data Warehouse Portfolio Analytics Tools

Loan and/or Lease Servicing Systems

Enterprise Data Warehouse Portfolio Analytics Tools

D+H is a leading financial technology provider the world's financial institutions rely on every day to help them grow and succeed. As a trusted partner to over 8,000 banks, credit unions, specialty lenders, governments and corporations, the company delivers solutions across six broad service areas: Lending Solutions, Core Solutions, Channel Solutions, Payment Solutions, Treasury Services Solutions and Optimization Solutions. Headquartered in Toronto, Canada, D+H has more than 5,500 employees worldwide who are passionate about partnering with clients to create forward-thinking solutions that fit their needs. D+H is recognized as one of the world's top FinTech companies on IDC Financial Insights FinTech Rankings and American Banker's FinTech Forward ranking. For more information, visit dh.com.

D+H ©2015 D+H Limited Partnership. All rights reserved. CreditPath is a trademark and Laser Pro is a registered trademark of D+H Limited Partnership. D+H is a trademark of D+H Limited Partnership. All other product names or brand names are trademarks and/or service marks of their respective owners.

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North America 800-815-5592 Outside North America +353 1 664 1430 dh.com