CFS CREDIT SCORING MODELS

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CFS CREDIT SCORING MODELS

• CREDIT GUIDANCE SYSTEM
• CUCARD

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CUSTOM DESIGNED CGS CREDIT SCORING
MODEL

• Based on an analysis of your credit unions loan
  portfolio
• Fully integrated with XP2 lending platform
• Credit bureau reports evaluated automatically
• Outperforms credit bureau generic models

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CUCARD

• Low cost credit union industry scorecard
• Consultation provided to develop lending
  guidelines
• Periodic analysis creates semi-customized model
• Annual validation
• On-site training

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STATE-OF-THE-ARTLENDING TECHNOLOGY

• Essential tool for Risk Based Lending
• Approve 90 of Internet applicants
• Establish lending standards for indirect lending
  programs

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LENDING DECISIONS ON THE INTERNET

• Web based approvals from your home page
• Uploads decision data into XP2
• Matrix Analyzer increases approvals based on your
  credit unions underwriting guidelines
• Supports Risk Based Pricing

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CFS RISK BASED PRICING ANALYSIS

• CFS models are the essential tool for RBP
• CFS will analyze your current RBP program to
  assure profitability
• CFS will install Matrix Analyzer as the decision
  model program to support your RBP guidelines

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Automatic Preapprovals

• Lines of credit
• Credit cards
• Vehicle purchases
• Overdraft limits

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STAFF TRAINING PROVIDED

• Consultation for development of lending matrix
  and underwriting guidelines
• On site staff training
• Annual validation

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CFS ANNUAL VALIDATION

• Review of regulations
• Analysis of loan performance
• Review of lending matrix
• Modification of model as needed

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CFS MODELS INCREASE INCOME

• Higher balances to qualified borrowers
• Greater penetration of loan services
• Marketing tool to qualify applicants with
  competitive pricing
• Used to design Risk Based Pricing strategy

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CFS MODELS REDUCE LOSSES

• Fewer loans charged off
• Reduce delinquency and bankruptcy losses
• Lower collection expenses

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CFS STATISTICAL ANALYSIS

• Evaluate your Risk Based Pricing models with loss
  ratios for secured and unsecured loans
• Forecast profitability for individual products
• Analyze performance of any credit scoring model

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USE THE BEST
CFS MODELS/XP 2

• Successful track record
• Outperforms bureau models
• Fully integrated with XP2 and Audio Lending
• Easy to use

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FOR A DEMONSTRATION

• On site demonstration
• Call today
• CFS
• 909-621-4951 909-625-6090 (FAX)
• CFSD_at_MSN.COM
• 445 W. Arrow Highway
• Claremont, CA 91711