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Overview |
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Pulse is a complete mortgage and secured loan processing & reporting system
developed by packagers for packagers. It is not an ‘off-the-shelf’ system designed
to accommodate a range of different users. |
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Enquiries |
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Basic enquiry information is stored about the applicant, the potential advance,
possible schemes and a free-format area for notes.
A ‘suggest scheme’ feature provides the user with a range of potential matching
schemes.
Combined with the application management system, all of this information is transferred
directly into a ‘live’ application for on-going processing. |
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Application Management |
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This is the core processing system which automates most of the manual processing
of an application including:
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‘At-a-glance’ view of outstanding references and information required.
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Diary management with the facility to chase requirements such as valuations, references,
etc. independently, and can be pinpointed to a specific day, even a precise time.
Also provides the user with a facility to ‘view-ahead’ in order to manage workloads
effectively.
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Automatic allocation of progress codes at various stages of the process, e.g.
Pending, submitted, referred, offered, completed.
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Referencing preparation with necessary fields imported automatically.
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Links to valuers web-sites and lender AIP systems.
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On-going client management reminders to contact clients at pre-selected intervals
for future business.
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Reporting |
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A whole host of management reports and/or graphs are available, including applications,
business-in-pipeline, completions and pending completions. All of these reports
can be filtered by a number of fields including date, introducer, lender, product
type, case manager, etc. thus providing the user with a real ‘feel’ for what is
happening within their business. How much easier would it be when a lender withdraws
a product to produce a list of all your affected cases at the press of a button?
Most reports can be filtered by any combination of date, loan type, lender, scheme,
current status, case manager, introducer, network, sales adviser, solicitor, and
valuer. Some reports provide additional filtering by self-cert or adverse product
type to meet additional FSA reporting requirements. |
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Compliance |
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Provides automatically generated reasons-why letters with system-generated clauses
for circumstances such as when taking a client into retirement age or transferring
from a capital repayment to interest-only mortgage. Audit sections also provide
an audit trail of checks carried out against individual files. |
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Additional Reporting |
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Other, more detailed reports include internal service standards such as offer times,
completion time, offer ratios, completion ratios, reasons for cancellation trends,
broker fall-off etc.
Income/expenditure reports show income earned by your company for a selected period
and an outstanding fees report enables the user to see what fees are currently owed
to the company, thus ensuring that nothing goes astray!
Furthermore, the vast range of reporting available should ensure that companies
can readily generate the information necessary to complete their
RMAR for the FSA
when
required to do so. |
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Case Tracking |
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Provides your introducers with a web-based means of tracking their own cases via
your system, in a near-live environment. |
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