View KeySmart Specs

eCU Technologies’ robust, online lending solution, KeySmart, is built to meet the lending needs of your credit union. KeySmart provides your credit union with complete control over the loan approval process from start to finish.

KeySmart provides custom review criteria with matrices control, and utilizes an automated underwriter that runs  a member's credit report pulled through the Symitar credit retrieval system, through selected matrices for risk-based lending. In our continuing effort to meet your credit union’s needs, we can provide you with our flexible online lending product in either an In-house or service bureau version. With either version, you’ll experience a flexible, robust and state-of-the-art online lending solution that stands as the industry’s best.

Features

• Loan applications are sent to Symitar application processing queues and are queued by status, source or application type.
• Single TouchPoint for multiple channels mitigates loan content inconsistencies
• Customized question screens increases flexibility
• Integration with Symitar’s application processing system facilitates seamless loan officer transition.
• Custom review criteria allow control of credit information for risk-based lending
• Automated underwriter enables seamless credit report approval via selected matrices

Efficient Functionality

• Our real time pre-population feature automatically inputs member information so they don’t need to re-enter the information.
• Our instant decisioning loan approval system (60 seconds or less), through a custom-built decision model, is tailored to meet the individual needs of your credit union.
• Our integration into Symitar’s loan application system requires no re-entry by your loan officers, which saves time in the lending process.
• We’ll implement our innovative back-end automation, so you can automatically book and fund loans for enhanced efficiency.

In-house or Service Bureau

eCU Technologies has provided you with the ability to use this product as both a web application as well as an In-house solution that can be utilized throughout your branches and call center operations. If you desire complete control over maintaining your online lending capabilities, you can implement our In-house version. However, if you want eCU Technologies to handle the maintenance of your online lending solution, you can install our cost-effective and flexible service bureau version and we’ll take care of the rest.

In-house version

Client maintenance — credit union has the flexibility and full responsibility to maintain and manage its online lending solution

Service bureau version

• eCU Technologies provides server maintenance — troubleshooting, purchasing up-to-date servers
• Full redundancy of servers — complete back-up for security
• No in-house staffing issues — no need to assign or hire added employees to maintain product