Coming soon. ARCDecision helps lenders weigh each application against the institution's own risk tolerance and decision policies, for approval, amount, rate, and terms.
Built on the same reconciled loan record as ARC-CECL and ARC-ALM.
A score is an input. It is not the whole decision.
Broad underwriting inputs make it harder to make timely, well-informed decisions. ARCDecision is designed to give underwriting and credit teams more consistent, information-supported decisioning within the institution's approved process.
Consider the application against your own risk tolerance and decision policies, not a generic category.
Decision policies reflect the institution's risk appetite and portfolio objectives.
Support choices about approval, loan amount, rate, and terms, not only approve or decline.
Underwriters and credit analysts work from the same information and the same policy.
Better visibility into application and decision workflows for credit and compliance stakeholders.
Decisions and the policy behind them are recorded for governance and review.
ARCDecision is launched through governed, product-specific programs. The first step is an educational conversation about your consumer-lending decisions and risk tolerance.
Which consumer-lending decisions need more granularity, and who owns them?
Review the applicant information and the decision policies available to inform the decision.
Translate risk tolerance into decision policies the team can apply consistently and document.
Put the process in place with ARCSys specialists, with model-governance and compliance review built in.
Approval, amount, rate, or terms for this applicant.
Applicant information considered in the context of your own risk tolerance.
The institution's decision policy is applied consistently.
The decision and its basis are documented for credit, risk, and compliance.
Consumer-lending growth, underwriting inconsistency, and concern about broad decision categories are reasons to want a more deliberate process.
▸ Get notifiedARCDecision is offered through governed programs. It supports your credit policy, fair-lending review, and approval process; it doesn't replace them.
More consistent, information-supported decisioning for the underwriting and credit teams.
A more deliberate institutional process for consumer-lending decisions.
Initial emphasis on credit unions with consumer or auto portfolios and banks with material consumer-credit exposure.
An educational conversation first, about your consumer-lending decisions and where your risk tolerance should show up in them.
