ALEX
Consumer and Member Lending UnderwriterReads the application and the file, applies your lending policy and issues the decision with the reason already written.
LendingIn production
Credit unionsMember lending
Member lending decided at the speed the member already expects.
The core opens the account and books the loan. The decision in between is still a person reading a file, which is why the indirect channel is won on hours rather than on rate.
FitWho this is for
Who this is built for
A credit union is not a small bank, and the page is written that way. If this is not you, a briefing will waste both our afternoons.
| Institution | Credit unions roughly five hundred million to ten billion in assets, with a consumer and small business book. |
| Where it hurts | Indirect auto decisions that miss the dealer's window, consumer applications that sit overnight, and a lending team that cannot grow with the membership. |
| Current stack | A core such as Symitar, DNA or KeyStone, an origination system on top, and a scorecard nobody has revisited in a while. |
| What triggers the search | Loan growth targets against flat headcount, an examination, or a lender taking the member relationship at the point of purchase. |
| Who buys | The Chief Lending Officer holds the budget. The CFO and the CEO sign. Risk and compliance are in the room from the first meeting. |
The changeBefore and after
What actually changes
Consumer lending
Decided in the sessionApplications inside policy are decided and returned while the member is still on the page.
Indirect auto
Answered in the dealer's windowA decision returned inside the window the dealer works to, rather than the next morning.
Member onboarding
Cleared without the back and forthIdentity, documents and eligibility checked as the application arrives instead of after the queue.
Fair lending
Evidenced as you goThe reasoning and the adverse action reason written at the moment of the decision, not reconstructed later.
The rosterCredit union workforce
The credit union workforce
Start with the product that backs up most often. The second agent inherits the integrations and the policy grounding the first already passed.
IntegrationNo core conversion
The core stays exactly where it is
A core conversion is a multi year programme with a board paper attached. Staffing the decisions that run on top of one is a quarter.
Read and write
The agent takes the application from the origination system and returns the decision to it, in the fields your lenders already use.
Used, not replaced
The bureau pull, the income and identity checks and the collateral valuation you already buy stay exactly as they are.
Read as they arrive
Pay stubs, tax documents, titles and the attachments members send in whatever form they have to hand.
GovernanceThe five brains
Governance, in the form an examiner reads
Consumer lending is the part of this industry where the reasoning behind a decline gets read back to you. Every output passes the five brains, and zero bias is not a claim we ask you to take on trust.
Configurable oversight
You set how much runs on its own, and change it whenever you choose.
Auditable
Every step and every input retained, in the form an examiner asks for.
Creditable
Cited to the policy you set, line by line.
Zero bias
Same input, same answer, every time, and provably so.
Hard-grounded
Grounded in your data and your manual. Nothing invented in the gap.
Secure and compliantISO 27001SOC 2 Type IIModel risk documentation
Bring one loan product
and a month of declines.
We will run the agent across files you have already decided, before it decides anything, so the comparison is against your own lenders and your own policy.