ETSEndpoint Transaction SolutionsConsumer Credit Infrastructure
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Consumer-credit infrastructure

Consumer-credit records, connected.

Infrastructure designed to connect consumer-credit records with the source information, permissions, and change history needed for institutional review.

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Consumer-credit infrastructureSource informationPermissionsRecord updates

Infrastructure for records that have to agree.

Source recordsPosition 001
  • Origination Attributed
  • Servicing Connected
  • Transaction For review
Platform capabilities

Follow a position from source records to review.

Follow the source records, permissions, and changes behind a consumer-credit position through each stage of review.

Connect the records behind each position.

Show who can act and what needs approval.

Trace a field back to its source.

Identify the same position across systems.

Keep changes connected to the record.

Review the record before the next instruction.

Source records

Connect the records behind each position.

Connect origination, servicing, and transaction records to a common asset reference. Keep the source information available for review.

  • Identify the origination, servicing, and transaction records that describe the position.
  • Keep source information with the common reference.
  • Keep disagreements visible for the responsible party.
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Authority and permissions

Show who can act and what needs approval.

Represent relevant permissions, required approvals, and open exceptions alongside the record. These controls depend on the governing systems and agreements.

  • Show who can act on the position and what needs approval.
  • Surface required approvals alongside the record.
  • Keep open exceptions visible before instruction review.
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Diligence evidence

Trace a field back to its source.

Give reviewers a clear path from a material field to the source record and responsible party. Keep missing evidence visible.

  • Trace a material field to its source record.
  • Identify missing evidence and unresolved questions.
  • Keep review responsibilities explicit.
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Asset reference

Identify the same position across systems.

Use a common reference to connect records about a position. The reference does not replace the documents or systems that establish the underlying rights.

  • Establish which asset the record describes.
  • Connect records about that position across systems.
  • Keep governing documents and source systems connected to the reference.
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Record updates

Keep changes connected to the record.

Link servicing events and other material updates to the asset reference so reviewers can see the prior state, source, and open differences.

  • Connect each material event to the asset reference.
  • Preserve the source and prior state.
  • Show open differences before the next review.
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Reporting and transfer review

Review the record before the next instruction.

Use a common reference when evaluating diligence, reporting, and transfer steps, with each workflow's responsibilities and approvals kept explicit.

  • Use the common reference in diligence, reporting, and transfer review.
  • Keep each workflow's responsibilities and approvals explicit.
  • Review the requested instruction against permissions and governing agreements.
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Asset records

Designed to give connected workflows a common record.

Bring the asset reference, source information, permissions, and change history together for institutional review. Authoritative systems and governing agreements remain in place.

  • Source informationRetain the source information needed to review material fields.
  • Permissions and approvalsPermissions, required approvals, and open exceptions stay explicit.
  • Record updatesMake updates and outstanding differences visible before downstream review.
Asset recordRecord workspace
Asset referencePosition 001For review
Authority state
For review Permissions
Permissions
Identified Governing
Exceptions
Review required Control
Change history
Retained Logged
OutputInstruction reviewReady for review
Source informationMaterial fields keep their source records
Permissions and approvalsWho can act and what needs approval
Record updatesChanges stay connected to the record
Record lifecycle

Review the record before the next step.

Phase 01

Connect source records.

Identify the origination, servicing, transaction, and internal records describing the position.

Phase 02

Review the record state.

Establish the common reference, source information, and differences that need resolution.

Phase 03

Review the instruction.

Evaluate the requested action against the relevant permissions, approvals, and governing agreements.

Start with the workflow

Discuss a consumer-credit workflow.

Tell us your organization, role, asset class, and the record issue you want to address.

Opens your email application. Please do not include borrower records, account details, or confidential transaction documents.