Bank & Credit Union Finance

Perfect for even the smallest operation to large multi-nationals, deployed across both mature and emerging markets.

CALMS for financial institutions, including banks and credit unions, supports both consumer and commercial lending from a single technology platform using a common database and common development environment. 

White Clarke Group's CALMS is a browser-based application and integrates seamlessly to an institutions’ existing environment. CALMS can be deployed as a fully managed hosted service or as an in-house hosted solution.

It provides a fully web-enabled credit origination system that supports the needs of banks and credit unions. It is built around credit decisioning based on user-defined rules, loyalty and risk-based pricing, and document management with secure digital signature capability.

  • Flexible, easy-to-use origination channel covering consumer, commercial, and agricultural requirements
  • Sophisticated rules engine to drive auto-decisioning and credit policy compliance
  • Single point of entry for loan and member information, eliminating re-keying
  • Automatic document generation to ensure consistency and legal compliance
  • Operational efficiencies, enforcing banks and credit union policies
  • Consistency of process, same application steps for all lenders, and for all lines of business
  • Intuitive, easy to use application
  • User friendly, employee ‘buy in’ of a new system
  • Single application process, with interfaces to third party vendors (credit bureau, insurances, etc.)
  • Comprehensive end-to-end solution

White Clarke Group's flexible and adaptable solutions are providing our customers efficient, straight-through processing across multiple sales channels. Enterprise solutions offering stand-alone or complete integration of front and back-office processes. With a track record of quick and cost-effective delivery, our solutions are ensuring our customers get there first.

Tried and tested in organizations such as:

  • Chinook Credit Union
  • Coast Capital Savings Credit Union
  • Eckville District Savings and Credit Union
  • Indigenous Business Australia
  • Lakeland Credit Union
  • Lloyds Banking Group
  • Servus Credit Union
  • Steinbach Credit Union
  • TCF Bank

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

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