Lending and Leasing Program Management

In addition to the specialized student lending and credit card program administration solutions that we provide on behalf of the Canadian financial services industry, government, and retailers, we also offer the same full end-to-end solutions for our customers’ other lending and leasing products.

By combining our purpose-built technologies with our proven expertise in back office program administration, we can administer the entire lending process on our customers’ behalf – from loan origination through to repayment management, customer service, and discharge. Furthermore, through our partnership with Wipro Technologies, an India-based leader in global consulting and business process outsourcing, D+H is able to offer customers the added flexibility and cost effectiveness often associated with a global delivery model.

We understand that there is no typical end-to-end lending or leasing solution. Because we are assuming a part of our customers’ operations, our solutions are tailored to their unique environment, brand promise, and business needs. We’re experienced at doing this and are equally comfortable helping our customers with all or only a piece of the process, depending on what’s required.

Based on our intimate knowledge of the North American financial services industry, and the lending and leasing business specifically, we work collaboratively with our customers to map out the process and develop their detailed program requirements. And even after we’ve taken over program management, our customers always remain in control – with transparent access to the same operational metrics as they would have if they were running the program themselves.

Our end-to-end lending and leasing program management solutions cover the entire lifecycle, including:

Origination

  • Marketing program management
  • Adjudication and underwriting process management
  • Document preparation, management, and validation
  • Conditions management
  • Vendor verification and approval
  • Funds disbursement
  • Customer service

Loan Maintenance

  • Invoicing, statements, payment application processing, and reconciliation
  • Borrower communications and customer service
  • Exception item processing
  • Collateral management
  • Covenant tracking
  • Customer service, including balance information, payout amounts, and modifications
  • Portfolio management
  • Insurance management
  • Tax reporting and compliance
  • Collections/delinquency management

Maturity

  • Renewal and terminations
  • Collateral discharge
  • Repossessions
  • Payout statements
  • Asset remarketing