Successful account collection starts with an excellent application. AMS’s comprehensive Underwriting and Decisioning module will add organization and consistency to your decisions on which risks to accept.  Having complete applicant information is vital to making good underwriting decisions. All information pertinent to your decision making is captured in a user-friendly input screen.  Our customizable application scoring tool gives your underwriters a quick assessment of the quality of the application.

For our Finance Company clients, our Web Portal allows your submitting dealers to enter their application online which is then available to automatically import into AMS, removing the need for double-entry of the application.

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Key Underwriting & Decisioning Features

  • Name and two co-applicants with every application
  • Pull Credit bureaus directly with AMS and store for 25 months for later viewing at $0.10 per bureau
  • Track up to 99 employers and references within one application
  • Store all documents (PDFs) with applications for life
  • Live NADA guidebook integration
  • Standard and customized stipulations with every applications (user defined stips)
  • Track Programs (tier 1, tier 2, gold, silver, bronze, etc) within each application
  • Track turn around times with each app and run by underwriter, funder, dealer, date, etc.
  • Track multiple Regions for your dealerships

 

  • Print Adverse Action and Risk Based Pricing letters and any other word document with Mail Merge capability
  • Pull applications directly from DealerTrack or AMS Dealer Web Portal
  • Import applications from your CRM product
  • Scorecard capability built in with your own scoredcard values (up to 25) or ProfitMax integration
  • Import Emails and Attach documents directly to applications
  • Checklist items to verify workflow has been completed
  • Complete Exception tracking for your loans for life.
  • DTI and PTI calculations
  • Dealer check formulas with LTV %