Sample Menu of Services:

Program Marketing/Management:

• Program design consulting
• Due diligence document creation/maintenance
• Vendor management

Auto Dealer Network Management:

• Dealer network establishment (National, regional, by zip code)
• Due diligence on dealers (initial, ongoing)
• Dealer monitoring
• Dealer performance reporting
• Dealer training

Underwriting:

• Credit bureau reports (Equifax, Transunion, Experian)
• Prescreened lead lists (based on credit bureau data)
• Custom credit policy development
• U-SAF subprime Credit Policies
• Underwriting platform
• Custom scoring model(s)
• Custom risk-based pricing model(s)
• Application aggregation from auto dealers (DealerTrack, RouteOne, FinanceExpress, etc.)
• Adverse Action notifications
• Underwriting data retention
• Regulatory guidance on state-specific lending rules (rate caps, fee limits, etc.)

Verifications:

• Manual verification of employment, income, residence, borrower-provided insurance
• Automated verification of employment, income, residence (WorkNumber.com, Lexis/Nexis, credit bureau tools)
• Fraud alert (Lexis/nexis, credit bureau tools)
• Collateral verification (Chrome VIN explosion, CarFax)
• Vehicle quality inspection

Servicing:

• Loan boarding
• Vehicle transfer from seller to buyer (if not performed at an auto dealership)
• Collateral document maintenance
• Loan file imaging and maintenance
• Title perfection
• Borrower privacy policy development and/or implementation
• Welcome call to borrowers
• Welcome letter to borrower
• Customer service call center
• Custom letter campaigns
• Insurance compliance tracking
• Monthly billing
• Payment processing
• Credit bureau reporting
• Portfolio accounting (applying payments, fees, etc. to loan account)
• Back-up servicing

Collections:

• Payment processing
• Portfolio accounting (applying payments, fees, etc. to loan account)
• Collection letter generation and mailing
• Regulatory compliance guidance
• Collection calling (custom campaigns, auto-dialer, etc.)
• Bankruptcy account management
• Deficiency collections

Remarketing:

• Skip tracing (hard and soft)
• Repossession
• Reconditioning
• Auction
• Redemption management
• Redemption letter/notice generation and mailing
• Ancillary product cancellation and rebate management

Ancillary Product Management:

• Ancillary product line development (private label, U-SAF branded, standard)
• Ancillary product line marketing 

Portfolio Management:

• Portfolio reporting (standard monthly reports, and/or access to Data Warehouse)
• Portfolio analysis consulting
• Portfolio sale/purchase management
• VSI/default and borrower-provided insurance claim filing and processing
• Back-end product rebate management

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