Credit Decisioning & Origination System (CDOS)

​Corserv’s CDOS module provides real-time application decisioning (KYC, CIP, OFAC, Client Credit Policy, E-Consent), and business & consumer credit underwriting.

Credit Decisioning & Origination System

Credit Decisioning:

  • Real-time Application Decisioning (KYC, CIP, OFAC, Client Credit Policy, E-Consent) with proprietary integration of customer relationship value factor
  • Business & Consumer Credit Underwriting
  • Down-sell, Risk-Based Pricing
  • Access to all entered applications via Work Queue Manager
  • Supports adjudication of applications, via WQM sub-functions
    • Summary
    • Credit Bureau
    • Notes
    • Letters
    • Documents
    • Decisioning/Re-Decisioning
  • Credit Line Assignment and Increases
  • Supports entry of applications via Cardholder “Self Apply” and Client Portal with Save & Return feature for partial apps
  • Supports entry of applications originated via Marketing Solicitations
  • Approved applications added real-time to Processor; Declined applications – automatically generates adverse actions (e.g. Equal Credit Opportunity Act (ECOA), as implemented by Regulation B, and the Fair Credit Reporting Act (FCRA) letters)
  • Review Queue opportunity to override decline decision – – approve based on relationship value
  • Credit Attributes automatically calculated and retained
  • Credit Policy managed by Credit Risk Personnel
  • Fraud Detection leveraging industry-leading fraud protection partners (Falcon and Iovation)
  • Total Exposure/Credit Line Mgmt
  • Apply & Buy real-time Point of Sale credit approval (e.g. financing at doctor’s office, etc)