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2 Siebel CRM Loan Origination Siebel CRM Loan Origination enables financial institutions to successfully manage customer relationship throughout the entire consumer loan origination process across all communication channels. It measures, manages, and improves customer acquisition, retention, and satisfaction. It guides and assists users throughout every step of the consumer loan origination process, including: Lead generation Opportunity management Need analysis Product recommendation Product catalog Application processing Customer correspondence Loan closing Why LOS? Business Pain Point Customer Inquires about his mortgage application Business Pain Points Sales agent is not able to provide an update status Customer abandons his application Manual and lengthy application processing results in customer losing interest and lost opportunities. Financial institutions receive a large number of incomplete and inaccurate applications. Customer and Agents frustrated by investing time in applications which are later declined. Customers and sales agents do not have visibility on application status during the lengthy processing period. 2

3 Business Best Practice Customer completes a mortgage application Agent provides periodic update during the processing period The application is approved and closed on time Best Practice Straight through processing reduces time-toclose and keeps customers engaged. System supported data validation and business logic ensures quality data capture with little training. Pre-screen applicants to eliminate unqualified applicants up front and reduce processing costs. Provide clear expectations and action plans to both sales reps and customers. Siebel Loan Origination Modules Opportunity and Pipeline Management Siebel Opportunity and Pipeline Management enables user to manage all aspects of loan opportunities with up to the minute data from the sales team members about customer, product interest, decision issues, pricing, and historical activity. 3

4 A manager can benefit from immediate access to comprehensive loan pipeline analysis and comparison against sales quota and benchmarked objectives. Activity and Time Management With Siebel Activity Management, a user can log and track action items, delegate tasks to other team members, and ensure that customer expectations are met in a timely manner. Siebel Calendar offers complete time management tools with broad access to contact, calendar, and activity information. Users can view and schedule appointments for themselves and others in daily, weekly, or monthly formats and also set alarms. Contact Management Siebel Contact Management provides detailed profiling, complete activity tracking, and critical relationship tracking for each customer contact. Unlike simple contact managers that merely a name contact, Siebel Contact Management allows user to focus on high value prospects and understand each contact through extensive profiling capabilities. It provides 360-degree view of customer relationship with organization. Sales Process Assistance Siebel Sales Assistant supports popular sales methodologies and best practices by enabling users to work quickly and efficiently through the entire loan origination cycle. Siebel Sales Assistant suggests designated action proven to move origination process forward. By using Siebel Sales Assistant, organizations can ensure consistent, repeatable origination process across organizations and provide real time coaching for new users. With suggested Assessments, organizations can improve the qualification process and improve the closing ratios. 4

5 Proposals and Presentations With Siebel Proposals and Presentations, users can press a single button and build high quality, customized, compelling sales proposals and presentations designated to win business. Proposals and presentations automatically are tailored to customer specific requirements based on customer s product interest, the competitive landscape, and the customer s decision criteria. Proposals can include a cover letter, proposal body, price quotations, sales tools, and literature, etc. the same tools can also be used to produce a standard closing documents with information pre-filled from Siebel. Siebel Proposals and Presentations reduce the time spent creating consistent proposals and presentation. Interactive Product Recommendation Siebel eadvisor provides instant, expert guidance to match customer needs with the ideal loan products or services. With Siebel eadvisor, users do not need prior product knowledge or well-developed searching skills to find the ideal solution. Customers are presented with a series of interactive questions that allow what if scenarios, choices, and instant feedback, similar to a conversation with a company s best sales or service professional. Every customer s answer returns an immediate, customer specific response. This user-friendly environment engages customers, improving customer acquisition and retention. 5

6 Application Management Once a customer agrees with a particular loan product, Siebel CRM Loan Origination guides the customer through the application process. It pulls relevant information from the customer s record and fills in as much of the application for the loan product as possible. Siebel Loan Origination supports all major lending products including instant credit, direct installment, indirect loan, home equity, and small business loans. Siebel Loan Origination can help you streamline the loan process from data gathering through booking. At any point in the process, users can find the current status of an application and intelligently provide that information to the customer. Communication Fulfillment Users can automatically send addressed invitations, thank you notes, closing documents, and other correspondence to one or more contacts through the use of centralized or regional fulfillment centers. Additionally, Siebel Loan Origination is integrated with popular MAPI-compliant and fax software, thus throughout the origination process, users rapidly can send information, product literature, and correspondence to customers via or fax. Users can author their own notes or use pre-written templates. It saves users time that can be used for up selling and cross-selling and reduce the cost associated with literature handling and inventory. Workflow Management To originate loans effectively means making sure that the process flows to the right individuals, action items move easily through the organization, and loan officers and management can make decisions on up to the minute information. Siebel Workflow Manager allows business managers to automate specific business policies and procedures that improve the origination processes. It can level workloads across departments and geographies and automatically escalate issues to management when required through the complete integration of and paging systems, sales representatives and managers are notified of pending items requiring their attentions through their preferred communications channels. 6

7 Management Tools With Siebel Loan Origination you have the tools to increase your span of control while decreasing redundancy in the workforce. All of the data you need is at your fingertips, and important information stands out so that you know where to focus and what specific actions to take. With a built in report writer, more than 100 predefined reports and charts, and the ability to use Query by Example to generate ad hoc report, Siebel Loan Origination provides complete access to critical customer and product information. Additionally, Siebel Loan Origination also provides information in graphical/ chart format to show emerging trends and potential problems areas while providing complete loan pipeline and funnel analysis. 7

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