1. Collection Management System - Professional
TM
Learn why more financial institution executives have chosen
CMS-Pro than any other collection system in the US.
TM
2. Collection and Asset Recover Manager – ProfessionalTM (CARM-ProTM) and
Collection and Asset Recover Manager – On-LineTM (CARM-WebTM)
CARM-ProTM and CARM-WebTM are desktop and browser-based, host-interactive collection and special asset recovery systems designed
to streamline the complex delinquency collection process, while allowing management to maintain compliance with internal and external
policies and procedures relative to collections and recoveries. CARM-Pro and CARM-Web can operate in any mixed environment, at a
financial institution’s site or in a data center (or central holding company operations center). CARM-Pro and CARM-Web are very scalable
systems, and can operate in small institutions with limited collection staff to much larger organizations with well over $10 billion in assets.
Maximize Collection Operations’ Impact for your Institution:
• Fully automated collections
• Outbound debtor messaging
• Expansive scoring (collectibility, bankruptcy predictability,
credit score and more), to impact your queues to maximize
collection effort’s effect
• Rule-based (automatically sent based on institutional rules)
and single-click letters
• Single-click standard or custom messages
• Powerful work flow automation
• Custom configured for your unique environment
• Leverage increased resources, whose time has been freed with the
above delivered impact, to recover more prior charged-off debts
Consolidate all collection account types into one collection system:
• Consumer Loans
• Mortgage Loans
• Commercial Loans
• Negative Balance Deposit Accounts
• Credit Cards
• Leases
• Allows multiple imports from varying ‘source’ systems
Track all stages and debt issues:
• Delinquency • Charge-offs
• Bankruptcy • Foreclosure
• Repossession • OREO
Maximize Productivity:
• Institutionally-configured screens ensure users have critical
debtor information displayed where they need it, called what they
want – preventing “hunt and search” before or during calls.
• Institutionally-configured standard messages increase
productivity, ensure appropriate follow-up (with chained
ticklers), and provide clean documentation
• Institutionally-defined letters (or IBS’ default standard letters)
speed debtor correspondence, while tightening compliance
and providing clean documentation.
Powerful and Flexible Queues:
• Work the right accounts, in the right sequence, as defined by
your institution.
• Integrate sophisticated scoring to aid in defining your queue
placement and sequence.
• Unlimited additional advanced work lists give collectors
subsets of accounts to work, for special situations (like Strengthen Compliance Enforcement (Reduce Risk), Enhance
bankruptcies, repossessions, foreclosures concerning Collection Controls:
employers, branches, loan officers, loan applications, • Automated and manual ticklers define when follow-up happens
city/towns, end of month, etc.). • Consistent collection steps and practices, complete and
accurate documentation (with standard and system
Collection Management SystemTM Professional (CMS - ProTM) vs 3.98
3. messages as well as standard debtor letters) provide Permanently Eliminate Some Charge-Offs:
sterile debtor records, allows managers to ensure that • Reducing delinquency rates and lowering at risk assets will re-
nothing falls through the cracks. sult in lower charge-offs. Institutional income is directly better
protected, and indirectly preserved with lower Allowance for
Reduce Delinquency Rates: Loan and Lease Loss Reserves. Additionally, comprehensive
• Reduce labor with improved productivity and work flow, collection activity journals aid in critical asset decisions
allowing collectors to get more debtor touches, to work and dispositions
more accounts, to work more accounts aggressively, work
new delinquencies earlier, and use scoring to work “the Simplify Status and Control Reporting:
right accounts” • Loan review meetings, on-site collections and litigation
preparation is greatly simplified and strengthened with
Lower “At Risk” Assets: comprehensive reporting on sterile and complete
• As we help reduce your delinquency rates, we collection documentation
are reducing your “at risk” assets. At risk assets
are assets at risk of: a collector collection or Comprehensive, Standard and Unlimited Ad Hoc Reporting:
documentation error, impacting compliance, • Net Flow (Roll) Rate
insurance and/or guarantees. Additionally, inac- • Funds Collected by Collector
• Officer Summary Chart
• Delinquency Category Summary Chart
• Collector Activity Report
• Collector Queue Report
• Accounts by Delinquency Category Summary – Sorted by Balance
• Accounts by Delinquency Category Summary
• Special Status Accounts
• Accounts by Type Delinquency – Sorted by Days Late
• Accounts by Delinquency Category
• Type Summary Report
• Officer Delinquency Report – Sorted by Days Late
• Officer Report with Phone Numbers – Sorted by Balance
• Loan Officer Summary
• Month of Delinquency – Sorted by Due Date
• Month of Delinquency Summary
• Bankruptcy Tracking
• Foreclosure Tracking
• Repossession Tracking
System Requirements
• Windows Server 2000 Standard Edition
• Microsoft SQL Server 2000 or Microsoft SQL Server 2005
(Microsoft Desktop Engine of SQL Server 2000 or SQL Ex-
press of SQL Server 2005 can be used for less than 11 users)
• 17” Monitor
• CARM-Pro: Windows 2000, Windows XP, or Windows Vista
• Microsoft Word 2002 (including MS-Query) or higher
• CARM-Web: Microsoft Internet Explorer 6.0 (SP1)
• CARM Pro’s e-mail functionality requires a Microsoft
MAPI-compliant e-mail system.
• CARM Pro’s dialing functionality requires a Microsoft TAPI-
compliant modem or dialer.
• All updates and patches must be applied to all
prerequisite software.
curate, incomplete or improper documentation
exposes your institution to debtor legal recourse.
Intelligent Banking Solutions, Inc. | PO Box 2690 | 35 Little Sunapee Rd. | New London, NH 03257 | ph: 603-410-5700 | fax: 603-410-5739 | www.ibshome.com
