Charlotte is America's second-largest banking hub, headquarters to major lending institutions. We help lenders digitise their operations to compete with fintechs while maintaining the relationships and expertise that set them apart.
The Digital Lending Challenge
Borrowers expect instant decisions and seamless digital experiences. Lenders must balance speed with risk management, compliance, and operational efficiency.
Our Lending Platform Solutions
Loan Origination
Digital application to funding:
- Online applications: Responsive, mobile-friendly experiences
- Pre-qualification: Soft-pull pre-approval flows
- Document collection: Automated requests and reminders
- E-closing: Digital signatures and funding
Credit Decisioning
Consistent, compliant decisions:
- Rules engine: Configurable credit policies
- Data integration: Credit bureaus, alternative data, verification
- Risk scoring: Custom models and third-party scores
- Adverse action: Automated compliant notices
Loan Servicing
Efficient portfolio management:
- Payment processing: Multiple payment channels
- Account management: Balance inquiries, payoffs, modifications
- Borrower portal: Self-service account access
- Investor reporting: Performance and compliance reports
Collections
Effective recovery:
- Early intervention: Proactive delinquency management
- Workout tools: Modification and hardship programs
- Skip tracing: Locate and contact delinquent borrowers
- Agency management: Third-party collection oversight
Compliance and Analytics
Regulatory Compliance
- Fair lending monitoring
- TILA/RESPA disclosures
- State licensing requirements
- CFPB examination readiness
Portfolio Analytics
- Performance dashboards
- Vintage analysis
- Delinquency trending
- Profitability metrics
Ready to digitise your lending operations? Contact ZIRA Software to discuss your lending platform needs.