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

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