Automated Decisioning Solutions

As decision criteria rapidly evolve in a changing market, cohesive decisioning solutions are required to quickly implement changes in decisioning logic, credit policy, and business rules while maintaining the integrity of established performance standards. Our automated decisioning solutions allow you to:

• Quickly adjust the decision logic and business rules as policies change
• Mitigate fraud
• Produce consistent decisions
• Receive instant decisions with easy to read results
• Verify application data
• Improve the quality of your loan portfolio
• Realize higher profits by implementing sophisticated decisioning
• Cross-sell products and services
• Expand existing relationships

Decision Engine

The MicroBilt Decision Engine is one of the automated decisioning solutions and is completely customizable. Utilize your custom scoring systems and loan application processes to fit the way you do business with MicroBilt's decisioning solutions.

• Prescreen and Decision using any data element within any report
  • Credit Reports from all credit bureaus (includes MicroBilt MicroMerge 3 Bureau Report)
  • Sub-prime Reports
  • OFAC
  • Bankruptcies – ability to decision based on age or type of bankruptcy
  • Criminal – ability to decision based on type of activity
  • Evictions
• Create custom scorecards
• Set up rules for cross-selling and up-selling your products
• Test prior to placing in production
• Unlimited number of rules

Decision Tables

This user-friendly module is one of the automated decisioning solutions built into microbilt.com. Easily create decision tables with these decisioning solutions that can prescreen your applicants and return an instant decision.

• Prescreen your applicant prior to pulling a credit report
• Incorporate various reports into the screening process
  • Credit reports from Experian, Equifax, or TransUnion
  • OFAC
  • Criminal
  • Bankruptcy, Liens and Judgments
  • Evictions
  • ChexSystems
  • Experian Authentication Services Level I and II
• Up to 25 decision levels
• Over 100 rules to choose from
• Easy setup
• Automate declination letters