With everyone clambering to offer your customers credit, you can’t afford to handle your loan business inefficiently. With the HORIZON™ Integrated Loan Management (iLM) module, loan setup is fully automated with handy tools for automated tracking of prospects, outstanding quotes and applications in the origination process. It also includes automated interfaces to the major credit bureaus as well as collateral pricing services that enable you to accurately extend credit on auto loans. The system also includes industry-standard, state-specific forms that ensure your credit extensions will be properly documented and compliant with federal and state regulations.

HORIZON iLM is fully integrated with our optional ALLView document image solution, which means that all documents associated with your customers' loans are accessible through a simple online inquiry.

Consumer, commercial and real estate loans

HORIZON iLM is equipped to handle all types of loans, and it supports a wide range of loan structures, fees and repayment schedules. At any time during the life of the loan, users throughout your institution can view payment history, track collateral, conduct collection activities and adjust rates to various indices such as prime, LIBOR or Treasuries. Also built into the system is automated reporting to multiple credit bureaus.

HORIZON iLM also includes a mortgage servicing application with all the features and functionality necessary to meet the expectations of the most demanding mortgage servicers, including FHLMC, GNMA, FNMA and private mortgage processors. The system supports all types of residential mortgage loans, including construction, fixed, variable, conforming and non-conforming, and other special loan types. With HORIZON iLM, you can analyze tax, insurance and other escrow items for single loans or an entire group of loans.

On construction loans, HORIZON iLM gives you the capability of developing custom budgets on single family, multi-family, commercial or other property development types. This ensures both the lender and client always have clear, up-to-date information to act upon.