Origination Suite Overview

Copyright © 2016 Baker Hill Solutions LLC – Confidential & Privileged

What is Baker Hill Origination®?

Workflow processing solution for: Small Business Consumer Direct Consumer Indirect

Queue-basedRole security

Flexible decisioning strategies

Interfaces to document prep and other 3rd party services

3

Application processing

LOAN OR LINEDOCUMENT PREPARATION

VERIFICATION & COLLATERAL EVALUATION

WEBSITE BRANCH CALL CENTER REMOTE USER RELATIONSHIP MANAGEMENT

APPLICATIONDECISIONING

SUBMIT APPLICATION

VALIDATE APPLICATION

DATA

SCORE APPLICATION

ANALYZE DATA &SCORES

RECOMMEND PRICING & DECISION

AppLink

Compliance features

Standard compliance features to help you comply with the regulations that govern credit origination

S T A N D A R D C O M P L I A N C E T O O L S

C O N S U M E R S P E C I F I C C O M P L I A N C E T O O L S

Customizable decline/approval letters FACTA/Red Flag alerts HMDA/CRA data gathering Appraisal notice Other regulation B/FCRA compliance

enabled documents/features

Risk-based pricing notices Support for the ability to repay/qualified

mortgage rules HPML and HOEPA determination and

alerts Home ownership counseling notice

C & F Bank is a Virginia bank with $1.3 billion in assets that is committed to outstanding customer service. They

offer a diverse portfolio of financial products.

Partially centralized processes Incomplete application data Inconsistent documentation management Need for improved communication and compliance

B U S I N E S S C H A L L E N G E S

C&F Bank case study

6

C&F Bank case study, continued

With Baker Hill, they saw…

45%

reduction in input errors

42%increase in small

business applications within the first year

50%reduction in status

update calls on deals

75%decrease in Business Credit memo creation

time

3day SLA for complete

Business applications