Benefits

Our mission is to enhance profitability for our clients. We combine your brand promise, lending criteria and risk policies with our state-of-the-art infrastructure to give you a competitive edge. You retain the customer, the relationship and the loan asset, while our unit-cost pricing enables you to maximize your margins. By engaging PNCCS you receive:

• Cutting-edge process and technology platforms
  
  
• Future consumer lending technology upgrades at no additional cost
  
  
• Top customer service quality, for your customer, even during volume fluctuations, via our call center
  
  
• On-line lending and bill payments
  
  
• Capability to quickly expand into new markets and product lines
  
  
• Expert support services for processes outside your core strengths
  
  
• Multiple-loan generation points of access allow customers to apply online, at your branch locations, through an agent or loan processing office, or by phone through the PNCCS call center
  
  
• Automated real-estate valuation services across a nationwide network of vendors
  
  
• 50-state loan documentation system
  
  
• Multiple closing options for loans: Express mail to consumer, electronic loan docs package to client employees or closing agent or even in-home closings with a third-party notary
  
  
• Reduced operational costs and implementation risks associated with future upgrading of your consumer lending technologies or infrastructure
  
  
• Collection-management strategies from early stage to late stage. PNCCS has successfully helped lenders lower delinquency rates and improve the overall performance of their loan portfolios
  
  
• Multiple asset strategies, including retention, sale and securitization
  
  
• Lending decisions for your customers in 30 seconds or less
  
  
• Improved customer satisfaction to deepen the customer’s relationship with your institution
  
  
• Aggressive sourcing and vendor management to reduce cost and improve service delivery
  
  
• Cost savings in FTEs, compensation, benefits, training, space and support. Potential savings for records management, postage, funding and loan closing expense. Reduced cost in real estate services, coupons/books, bureau reports, and collection costs
  
  
• Reduced capital outlay for systems, network and telecom
  
  
• Reduced compliance risk, including disaster recovery, documentation and facilities

Our Clients Get Results