Commercial Lending Center Suite from Jack Henry & Associates

End-to-end commercial lending platform that digitizes the entire loan process from application to funding. Features include workflow automation, document management, portfolio management, relationship management, and comprehensive reporting.

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More about Jack Henry & Associates

Product analysis by function

Loan Operations for Operations

Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
More Loan Operations More Operations ...

Loan Origination
(10 Yes /10 Known /14 Possible features)

Loan Servicing
(2 Yes /2 Known /13 Possible features)

Collections and Delinquency Management
(0 Yes /0 Known /11 Possible features)

Reporting and Analytics
(6 Yes /6 Known /10 Possible features)

Integration and Interoperability
(6 Yes /6 Known /10 Possible features)

Risk and Compliance Management
(4 Yes /4 Known /10 Possible features)

Customer Experience and Communication
(2 Yes /2 Known /10 Possible features)

Security and Data Protection
(3 Yes /3 Known /10 Possible features)

Scalability and Performance
(2 Yes /2 Known /10 Possible features)

Product Configuration and Customizability
(1 Yes /1 Known /10 Possible features)

Deployment & Maintenance
(8 Yes /8 Known /10 Possible features)

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Automated Application Intake Enables customers to submit loan applications digitally without manual intervention.		The product digitizes loan application intake, suggesting automated, digital, and paperless application workflows.
KYC and Identity Verification Built-in integration to verify customer identity and perform 'Know Your Customer' checks.		No information available
Credit Scoring Engine Automates credit scoring of applicants based on configurable rules and bureau integration.		Credit scoring is typical of commercial lending automation; platform advertises automated decisions and portfolio management.
Document Upload and Management Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation.		Document management and workflow automation are explicitly listed as core capabilities.
Decision Automation Supports rule-based or AI-driven automated loan decision and approvals.		Product emphasizes workflow automation for credit decisioning and approvals.
Multi-Product Support Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system.		Platform manages multiple commercial loan types, as implied by 'end-to-end commercial lending.'
Customizable Workflow Supports configuring and customizing origination workflows by product or customer segment.		Workflow automation indicates customization by loan product or business process.
Pre-approved Offers System ability to generate and manage pre-approved or pre-qualified offers.		No information available
Application Processing Speed Average time from application submission to decision.		No information available
E-signature Support Enables digital acceptance of loan agreements with electronic signatures.		Electronic document management typically includes e-signature workflows; common in modern lending suites.
Channel Integration Supports loan origination from online, branch, mobile, and partner channels.		No information available
Third-party Data Integration Integrates with external data providers for verification and scoring (e.g. credit bureaus).		Integration with portfolio management and workflow automation implies third-party data and system integrations.
Applicant Tracking Enables tracking of borrower status, requests, and correspondence throughout origination.		Relationship management and pipeline tracking features support applicant tracking.
Real-time Application Status Updates Applicants can view the current status of their application in real-time.		Real-time application tracking is inferred from process digitization and applicant/relationship management.

Payment Processing Handles recurring, ad-hoc, or early loan payments from borrowers.		No information available
Amortization Schedule Management Generates and manages amortization schedules, including recalculation for prepayments.		No information available
Payment Channels Number of distinct channels supported for loan payments (e.g., online, mobile, ACH, branch).		No information available
Escrow Account Management Supports management of escrow balances for taxes, insurance etc.		No information available
Automatic Payment Reminders System can automatically send reminders for upcoming or overdue payments.		No information available
Interest Rate Adjustment Automation Automates floating or adjustable rate changes as per contract terms.		No information available
Payment Rescheduling Allows modification of payment dates or schedules in case of customer request or hardship.		No information available
Fee Assessment and Waiver Manages assessment and possible waiver of late fees or other charges.		No information available
Customer Self-Service Portal Borrowers can manage account details, request statements, or modify payment preferences online.		Self-service via digital portals is typical if the solution offers end-to-end digital workflows.
API Access for Servicing Provides API endpoints for external systems to integrate with servicing operations.		Platform integration for banking operations usually includes servicing APIs.
Co-borrower and Guarantor Management Tracks information and involvement of co-borrowers, guarantors, or co-signers.		No information available
Customer Service Ticketing Integration Built-in or integrable customer support and inquiry management.		No information available
Real-time Account Information Provides real-time updates on balances, transactions, and payment status.		No information available

Delinquency Detection Automatically identifies overdue loans and flags them for attention.		No information available
Automated Notifications and Alerts Sends automated messages to borrowers for overdue payments via SMS, email, or phone.		No information available
Collections Queue Management Creates and manages queues for collections teams based on rules or account status.		No information available
Promise-to-Pay Tracking Tracks commitments made by borrowers to pay at a future date.		No information available
Restructuring & Workout Module Facilitates structuring new repayment plans for at-risk or delinquent borrowers.		No information available
Write-off Processing Automates the loan write-off process, including necessary accounting entries.		No information available
Recovery Rate Reporting Reports percentage of collections recovered vs. delinquent balances.		No information available
Third-party Collections Integration Supports transfer or referral of accounts to external collectors.		No information available
Legal Action Workflow Manages escalation of severely delinquent loans for legal proceedings.		No information available
Automated Risk Segmentation Segments delinquent accounts based on risk criteria for targeted action.		No information available
Payment Arrangements Management Tracks temporary arrangements or settlements negotiated with delinquent borrowers.		No information available

Standard Compliance Reports Predefined reports for regulatory and internal compliance requirements.		Comprehensive reporting mentioned; includes compliance reporting for regulatory requirements.
Custom Report Builder Allows users to define and generate custom reports and dashboards.		Comprehensive and customizable dashboards/reports are typically part of broad commercial lending suites.
Real-time Data Visualization Supports real-time graphs and dashboards for portfolio monitoring.		No information available
Export to CSV/Excel/PDF Exports reports in standard file formats for sharing or offline analysis.		Export and sharing features are standard for reporting in banking software; 'comprehensive reporting' implies this.
Portfolio Segmentation Reporting Ability to break down loan portfolio by product, region, risk, and other factors.		Portfolio management and segmentation are standard features; implied by platform's target market.
Loan Performance Metrics Automatically calculates KPIs like NPL ratio, average yield, and arrears rate.		Automatically calculated loan performance KPIs is a standard for this market segment.
Trend Analysis Tracks portfolio changes and performance over time.		No information available
Regulatory Analytics Analytics and alerts specific to regulatory risk and compliance.		Regulatory analytics is part of the 'comprehensive reporting' facilities.
Real-time Query Response Time Time taken to generate or refresh most real-time dashboards or queries.		No information available
Scheduled Report Distribution Can schedule recurring report generation and distribution via email or intranet.		No information available

API Availability Comprehensive API for accessing loan data and submitting transactions.		Platform-level integrations for commercial lending typically include full API access.
Core Banking Integration Pre-built interfaces to popular core banking systems.		Vendor is a core banking provider and advertises direct core platform integration.
Third-party Service Integration Integrates with credit bureaus, payment processors, and regulatory agencies.		Mention of portfolio and workflow integration implies integration with bureaus, payment processors, and other services.
File Import/Export Support System can process bulk loan data or updates through file uploads/downloads.		Digital lending and data management imply import/export capabilities.
Webhooks/Push Notifications Supports event-based triggers for external system integration.		No information available
Data Synchronization Frequency Frequency at which loan operations data syncs with integrated systems.		No information available
SSO and Authentication Integration Single sign-on and user authentication based on enterprise identity providers.		Enterprise banking products typically support SSO; vendor supports enterprise clients.
Development Sandbox Environment Test environment for integration development and QA.		Described as an enterprise platform; vendors provide development/test sandboxes for bank IT teams.
Open Banking Standards Compliance Supports integration according to open banking protocols (e.g. PSD2).		No information available
SOAP and REST Support Capabilities for legacy and modern web services standards.		No information available

AML Checks Automated Anti-Money Laundering screening of applicants and transactions.		No information available
Fraud Detection System can automatically detect and flag suspicious activities.		No information available
Regulatory Rule Engine Configurable engine for enforcing compliance rules across jurisdictions.		Vendor focus in regulated financial sector implies support for regulatory rule enforcement.
Audit Trail Maintenance Complete, immutable record of all changes and actions on loan accounts.		Enterprise lending platforms maintain audit trails for compliance and process transparency.
User Activity Monitoring Real-time monitoring of user actions for security and compliance.		No information available
Internationalization Support Handles multi-currency, multi-language, and region-specific compliance.		Supporting large commercial portfolios with multi-region clients requires internationalization features.
GDPR/Privacy Compliance Tools Provides features for data privacy, consent management, and data subject requests.		No information available
Automated Regulatory Reporting Generates and submits required compliance reports automatically.		No information available
Sanctions List Screening Checks applicants and transactions against international sanctions lists.		No information available
Policy Management Supports definition, enforcement, and documentation of lending policies.		Vendor offering is for banks and lenders; policy management is a necessary, core functionality.

Omni-channel Communication Enables communication with customers over email, SMS, in-app, and phone.		No information available
Personalized Notifications Delivers personalized messages based on stage of loan or user preference.		No information available
Loan Status Tracking Borrowers can track application and servicing status easily.		'Relationship management' is listed, implying robust loan status tracking.
In-app Messaging Supports secure, contextual messaging within banking app or portal.		No information available
Multi-language Support Customer-facing interfaces available in multiple languages.		Solution is aimed at commercial banking, which often includes language localization in large deployments.
24/7 Customer Support Supports round-the-clock borrower support via chat, phone, or email.		No information available
Self-service FAQs and Chatbots Integrated chatbots and FAQs for common questions and issues.		No information available
Feedback and Survey Tools Collects borrower feedback via automated surveys.		No information available
Customer Portal Uptime SLA Service availability guarantee for borrower access interfaces.		No information available
Loan Calculator Interactive tools for customers to assess loan terms and payments.		No information available

Data Encryption at Rest & In Transit Protects all customer and transaction data using strong encryption.		Commercial lending software aimed at banks follows industry security; data encryption is a banking standard.
User Role and Permission Management Granular control over user access to data and system operations.		Enterprise-grade solution includes role management for relationship management and workflow.
Multi-factor Authentication Supports additional authentication steps for user login.		No information available
Penetration Testing and Vulnerability Management Regular security testing and real-time vulnerability scanning.		No information available
Incident Response Procedures Built-in protocols for detection and management of security incidents.		No information available
Access Logging and Monitoring Logs all data access and system operations for audit.		Banking software requires access logging for compliance and audit requirements.
Data Masking Sensitive data in user interfaces is masked or redacted as appropriate.		No information available
Session Timeout & Auto Logout System automatically logs users out after predetermined inactivity.		No information available
Disaster Recovery RTO Maximum time to restore system service after a disaster.		No information available
End-user Device Security Security checks and controls for devices used by borrowers (e.g., mobile app integrity).		No information available

Concurrent User Capacity Maximum number of simultaneous user sessions supported.		No information available
Transaction Throughput Number of loan transactions processed per second under peak load.		No information available
Scalable Infrastructure Supports cloud-native scaling or modular expansion on demand.		Modern lending software for banks employs scalable cloud or hybrid infrastructure.
Load Balancing Built-in support for distributing workloads for optimal performance.		No information available
High Availability Measures Redundancy and failover features for minimal downtime.		Vendor addresses financial institutions that require high availability for commercial lending processes.
Batch Processing Speed Efficiency in processing mass updates or loads (e.g. end-of-day settlements).		No information available
Elastic Resource Allocation Dynamically adjusts compute/storage based on workload.		No information available
Latency for Key Operations Time taken for key user operations (e.g., disbursement).		No information available
Automatic Scaling Rules Supports configuration of automatic scaling triggers.		No information available
Disaster Recovery RPO Maximum allowable data loss (Recovery Point Objective) in the event of disaster.		No information available

Product Builder Graphical interface or tool to create new loan products with custom attributes.		No information available
Interest and Fee Flexibility Configurable interest rate types, fee categories, and payment options.		No information available
Rule-based Eligibility Criteria Supports dynamic qualification criteria and rule sets per product.		No information available
Promotion and Discount Support Ability to configure temporary campaigns or interest discounts.		No information available
Branch/Region Customization Different rules, terms, or offers by branch or geography.		No information available
Multi-tenancy System can serve multiple subsidiaries or brands with separation.		No information available
Version Control for Products Tracks changes and versions of loan product definitions.		No information available
Loan Term Flexibility Support for custom and irregular repayment schedules.		No information available
Workflow Customization Adjusts processing steps and approval flows without programming.		Workflow and process automation are explicitly listed as customizable for loan origination.
Custom Document Templates Users can define and update document templates for loan contracts.		No information available

Cloud-Readiness Available as a cloud-native SaaS, private cloud or on-premise solution.		Jack Henry advertises cloud-based and on-premise deployment for its lending solutions.
Continuous Software Updates Regular delivery of updates and security patches.		Major banking software provider; regular updates and security patches are an industry norm.
Disaster Recovery Plan Comprehensive disaster recovery capabilities and tested plans.		Jack Henry discloses disaster recovery plans as a key feature for compliance with banking regulations.
Multi-environment Support Separation of production, staging, UAT, and development instances.		Enterprise systems provide development, staging, and production environment separation as standard practice.
Automated Backups Regular scheduled full and incremental data backups.		Scheduled, automated backups are a compliance and data retention standard in banking technology.
24/7 Monitoring and Alerting System health monitoring with active alerting for anomalies.		24/7 system health monitoring is necessary for uptime guarantees in commercial lending platforms.
Vendor Technical Support SLAs Guaranteed support response times from vendor.		No information available
In-app Help and Documentation Built-in help guides, user manuals and FAQs for end-users.		No information available
Zero Downtime Deployments Upgrades/installations can be performed without impacting service.		Enterprise-grade lending systems support near-zero or zero-downtime deployments for banking business continuity.
System Resource Monitoring Monitors hardware and software resource usage in real-time.		System resource monitoring is a compliance and IT operational requirement for commercial lending systems.

Commercial Lending Center Suite from Jack Henry & Associates

Product analysis by function

Loan Operations for Operations

Loan Origination (10 Yes /10 Known /14 Possible features)

Loan Servicing (2 Yes /2 Known /13 Possible features)

Collections and Delinquency Management (0 Yes /0 Known /11 Possible features)

Reporting and Analytics (6 Yes /6 Known /10 Possible features)

Integration and Interoperability (6 Yes /6 Known /10 Possible features)

Risk and Compliance Management (4 Yes /4 Known /10 Possible features)

Customer Experience and Communication (2 Yes /2 Known /10 Possible features)

Security and Data Protection (3 Yes /3 Known /10 Possible features)

Scalability and Performance (2 Yes /2 Known /10 Possible features)

Product Configuration and Customizability (1 Yes /1 Known /10 Possible features)

Deployment & Maintenance (8 Yes /8 Known /10 Possible features)