STREAMLINE YOUR LOAN ORIGINATION PROCESS IN ONE SYSTEM WITH SECURELENDSM
With SecureLEND, your bank can offer an effortless lending
experience in-branch and online, and accelerate the
verification and approval process using automation capabilities,
all while maintaining compliance.
Learn how SecureLEND works in our account origination suite.
Maximize productivity and profitability with our compliant, all-in-one lending platform
SecureLEND, our cloud-based, loan origination platform, is designed to grow your lending capabilities without adding staff.
With a modern interface, automated capabilities, and built-in compliance standards, SecureLEND attracts new customers and small businesses with a simplified application process and enables your bank to complete activities such as credit retrievals, underwriting, and documentation in one platform.
With SecureLEND, you can expect to:
Delight Your Customers
Enable your customers to conveniently apply for loans directly from your website, enhancing their experience and increasing engagement.
Build Efficient Closing Procedures
Offer flexible in-house or remote closings with e-signature capabilities, complete with a secure audit trail.
Manage Approvals in One Place
Have the option to send letters for approvals and declines automatically, and create counteroffers as needed.
Automate Data Collection
Get set up for success with automated HMDA, HOEPA, HPML, and other HUD data collection for required reporting.
Meet Compliance Standards
Ensure compliance with regulatory standards by maintaining consistent underwriting practices, reducing the risk of compliance-related issues and penalties.
Drive Cost-Effective Growth
Minimize manual processing costs and cut delivery time with built-in automation capabilities, and increase revenue with cross-selling opportunities based on customer need.
Optimize Your Loan Origination Process From Start to Finish
App Entry
Once a record is opened for app entry, SecureLEND provides the user with a collapsible navigation bar and roadmap for collecting details on the product being requested, the applicant’s personal, employment and financial information and collateral information.
Features include:
- Loan application entry available in-branch and online via desktop or mobile device.
- Customers can complete a loan application through the bank’s website.
- The ability to save an application and return later to complete (both by banker or customer).
- Access to all required information needed for loan application, including TRID.
Banker’s View
(In-Branch)
Application Entry
Application Entry – Credit Request
Application Entry – Collateral Valuation
Application Entry – Fully integrated TRID docs
Application Entry – Fully integrated with Compliance Safety Net Docs
Customer View
(Mobile View)
Application Entry – iPhone authentication screen
Application Entry – iPhone consent screen
Application Entry – iPhone terms and conditions e-signature
Underwriting – Debts Reconciliation
Underwriting – Capacity Analysis
Underwriting – Capacity Analysis – Commercial
Underwriting – Product Structure – Commercial
Underwriting – Key Decision Factors
Underwriting – Key Decision Factors – Commercial
Underwriting – Policy Alerts – Commercial
Underwriting – Decision Screen- Commercial
Underwriting – Stipulation Resolution – Commercial
Underwriting
In underwriting, you’re able to configure all lending policies product by product. SecureLEND provides you with a set of tools for intelligent decision making, so you can get through underwriting as quickly as possible.
- Debt/Public Record Analysis
- Capacity Analysis
- Product Structure (commercial)
- Key Decision Factors
- Policy Alerts (commercial)
- Credit Decision (commercial)
- Stipulation Resolution (commercial)
Document Preparation
With SecureLEND’s TruStage integration, you’re able to dynamically generate the necessary compliant documentation required for both early disclosure and closing doc packages, without ever leaving the platform.
Features include:
- Managing all documentation in one place
- Retrieving complete and compliant closing documents
- Viewing and printing documents on desktop, tablet, or mobile device
- The option to waive document inclusion from the closing package
- The option to send out documents for e-signature
Closing Disclosure - full support for TRID
Escrow Disclosure sample - RE Purchase Money trans
Deed of Trust sample page
E-signature
Bankers may use e-signature to keep track of all of documents that need a customer signature and finalize documentation in-branch or online. SecureLEND includes a dashboard where bankers can see all documents that their customer(s) need to complete and their completion status. They can also receive alerts when a customer has yet to sign the required documents.
Customers receiving documents via email must authenticate their credentials and give consent before starting the e-signing process.
Features include:
- Using e-signature to manage and finalize customer documentation
- Staying compliant with e-signature audit documentation
- Presenting documents to your customers in-branch
- Sending documents to customers via encrypted email
Banker’s View
Document Disposition – e-sign staging
In person e-sign selection confirmation
In person e-sign channel esigning is complete
In person e-signed docs are posted back in SecureLend
E-sign evidence summary – legally compliant audit trail
E-signature View
E-Sign Email with invitation to start the process
E-Sign Email – authentication
E-Sign Email – consent
E-Sign Email – customer esigns and confirms
E-Sign Email – confirmation screen
Plus! SecureLEND Is Integrated With Our i2Suite® Core Platform
SecureLEND is integrated with IBT Apps’ premier core platform, i2Suite, enabling bankers to create, update, and verify customer information while updating core in real-time. This not only boosts productivity, but it also minimizes human error, resulting in a more efficient, accurate, and reliable banking system. Moreover, this seamless core integration mitigates compliance risk, helping community banks meet and stay ahead of regulatory requirements and maintain a positive market reputation.
It’s Time to Simplify the Loan Process for Your Bank
Connect with us to discuss SecureLEND.