Credit and Proposal Management Engine



Make the right credit decisions, and manage their activation

The CALMS Mid-Office provides powerful tools to handle the proposal process, including credit decisioning and underwriting, supplier and order management, document verification, payout and contract activation.

The CALMS Credit-Scoring Engine can manage requests from almost any portal application or front-end, as well as the CALMS User Portals.

Credit Decisioning

At its heart is a credit decisioning component that provides full support for both automated and manual underwriting processes, including:

  • Automated credit reference agency (CRA) searches, underwriting and credit analyst support
  • Rules-based decision framework, enabling clients’ exact requirements to be matched
  • Scorecard and “champion/challenger” assessments, using data from either the client or credit reference agencies
  • Credit policy rule modeling to fully automate the credit decisioning process
  • Summary “Track Record” facility that shows clients’ overall credit histories
  • The ability to create separate credit policy and work queues for different types of business

Sophisticated proposal management capabilities

The overall process of transforming quotations into agreements is driven by a comprehensive proposal management module, featuring powerful document management and workflow capabilities.

White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS, please contact us today

Outsourcing and Hosting
Cost-effective, flexible and secure alternatives to traditional in-house managed applications.


  • Product and pricing configurator: enabling finance companies to quickly define new products, and manage rates and terms, dealer commission packages, manufacturer subsidies and discounts.
  • Key account management: enabling fleet managers to create and maintain data that’s essential in supporting their clients’ specific schemes, discounts, driver management practices and master hire agreement (MHA) terms.
  • Order management: enabling fleet managers to create orders and track their progress, with strong integration with third-party dealer-management systems.


  • Supplier set-up, verification and maintenance
  • Supplier invoice management and verification capabilities
  • Automatic document generation, based on configurable business rules
  • Sophisticated interactive verification of inbound documents, with integrated document images
  • Management of inbound signed customer documents, with automatic linking of those documents to trigger the next step in the contract activation process
  • Full audit trail capability
  • Easy integration with standard document imaging storage systems
  • Underwriting cost improvement by up to 50%
White Clarke CALMS Diagram

CALMS at a glance

For more detail on any aspect of CALMS, please contact us today

Outsourcing and Hosting
Cost-effective, flexible and secure alternatives to traditional in-house managed applications.

We’re excited to be able to offer this new program to Yamaha dealers and believe that our new relationship with White Clarke Group is an integral component of this new program.
Leone Foxwell, National Manager Inventory Finance, Yamaha Motor Canada

White Clarke Group is a very flexible, adaptable company to deal with - prepared to work around what we wanted, rather than presenting a fait accompli. That sums up their ethos. Steve Gowler, Managing Director, Nissan Finance

The team at White Clarke Group has managed to gain our confidence through their competence and expert knowledge. For this reason we have decided to align our future strategy with White Clarke Group. Günter Strobl, CIO, Raiffeisen Leasing

White Clarke Group's consultative approach has helped us to set industry standards and build a sound platform for our future business developments. Graham Wheeler, Managing Director, Volkswagen Financial Services

EBV is very pleased with White Clarke Group and their success on the SEPA project. Maik Skottke, Head of IT, EBV-Leasing Gesellschaft m.b.H Co. KG (Erste Bank)

Technology is a key consideration for a dealer when selecting a finance partner. White Clarke Group's CALMS provides a clever dealer/finance company interface that makes the process of managing inventory extremely simple. Paul Arthur, Head of Motor, Bank of Queensland Finance

White Clarke Group's level of support and expertise and professionalism was nothing short of brilliant. Both the team and their CALMS solution have absolutely delivered on their promises. We look forward to a continuing partnership. Wayne R. Cook, Community Savings Credit Union

The White Clarke Group product offers all the functionality and flexibility we need to keep developing new market-leading products. It also gives us a proven platform for growth. Phil Baranski, Group Credit Risk, Bendigo and Adelaide Bank

White Clarke Group's major strengths include deep industry knowledge and good quality people.
They are also the only vendor in the market able to offer such an SAP-compliant CMS solution which gives us a clear business advantage. Dieter Bornemann, IT Director, Volkswagen Financial Services

It is good to work with a company of professionals who really understand the intricacies of the leasing sector, as well as being sensitive to the cultural changes necessary when entering a new marketplace. Nic van Meir, Director eBusiness, LeasePlan Corporation

Creating a greenfield retail finance operation, completely from scratch in just nine months from concept to completion, was a remarkable achievement. It is testimony to White Clarke Group’s deep expertise in this sector. Martin Thomas, Managing Director, FGA Capital

A partner with experience and credibility, who had a certain scale, and who had the stature to come to us and challenge our thinking. Nick Ockwell, CIO, Exeter Finance Corp

Our intention is to drive growth through in the dealer wholesale funding space, so we need to be sure we have the best possible technology in place to support our ambitions. Peter Turnbull, CIO, Bank of Queensland Finance

We were very pleased with White Clarke Group's engagement.
Not only did they provide a feature rich end-to-end solution but also fully engaged in all aspects of the project, delivering the project within a very aggressive timeline. Vince Bilotto, IT Manager, Kubota Australia Finance

CALMS is completely web-based which gives us the significant advantage of making changes to it ourselves. Being able to configure the system internally gives us that all-important speed to market. Brian Williams, Commercial Director, FGA Capital

We now enjoy significantly improved data security and can monitor performance so much better. Bottom line, we can manage risks more effectively than ever before. Alexander Müller, Heidelberg Print Finance International GmbH, Germany

We’re very pleased with White Clarke Group’s execution of this project. We wanted to move fast and with the leadership of White Clarke Group the project was completed successfully on schedule in just four months. Bill Besgen, President, Hitachi Capital America