baker hill applink overview

AppLink™ Overview

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What is AppLink™? A web application combining data from Baker Hill

Origination, financial APIs, and other web services to produce a customized credit application process

An intuitive, easy to train and paperless application portal

Increased efficiency, your best practice process, Baker Hill customized workflow

AppLink

Custom Request Process

Financial Web

Services & APIs

BHOSWeb

Services

Benefits of AppLink™Ease of use

Branches are more comfortable submitting application through AppLink than other methods

Branch staff wear many different hats… the easier you make it, the more they will use it

Streamlined process Reduced number of calls to find status on deals Links guide RMs to requirements for complete

package i.e. checklists and disclosures Common platform for consumer and business

lending Connections to 3rd party software: Imaging, doc

prep, more

Increased application volume Increase application volumes without adding

headcount Branch comfort level has translated into

increased volume and approval rates.

Copyright © 2016 Baker Hill Solutions LLC – Confidential & Proprietary

What are clients saying about AppLink™?

Before AppLink™, a super regional Midwestern bank shared that they experienced these business challenges:

Paper applications were received from branches via fax or interoffice memo

No controls defining “complete applications” Applications were not clear (bad handwriting,

poor fax quality, etc) Confidential information was not secure–

applications came in over night and weekends – stayed on fax machine until the next day

Complicated applications (multiple products, collateral, borrowers) were not clear

No pipeline management capabilities

4

With AppLink™, they reported:

Ease of use for sales force – more “consumer-like”

“Hard stops” to control application completeness

Seamless interface with B2B – eliminating a data entry touch point (reducing errors)

Very customizable


What are clients saying about AppLink™?

Before AppLink™, a $2 billion Southeastern bank shared that they experienced these business challenges:

Used an internally built workflow process with electronic application

Workflow system was designed to be linear and was not very flexible for changes during the loan process

Loss of internet connectivity caused applications to lock and required re-keying

Policy was controlled with a serious of Yes/No questions on the application

Retail applications had to be re-keyed into other systems

5

With AppLink™, they reported:

Interface is very user friendly

Customizable application

Minimal training required; can build in “help text” as needed

Required fields and dependency rules ensure applications are “complete”

Facilitated more accurate reporting on applications in the pipeline

More efficient: focus on credit analysis and underwriting instead of incomplete applications

6 Copyright © 2016 Baker Hill Solutions LLC – Confidential & Proprietary

Where does AppLink™ fit?

Initially used on the front end of the application process, AppLink™ can interact with third party systems throughout the origination process such as:

Authentication solutions

Third party service providers

Document prep solutions

Imaging solutions


Tailoring AppLink™ pages

Our custom engagement team works with your project team to tailor the user experience

Field dependencies

Required fields

Navigation (answering one question can dynamically add more tabs; required fields

Tool tips

Field validation

Document management

Central repository for all documents required for each loan Built-in logic for labeling attached documents for:

Accurate indexing of loan documents Efficiency

Dependency logic built on document types, borrowers and/or guarantors, collateral, products, etc. User selects document type Additional related fields are revealed based on document type

selected and allow user to select from options Fields are combined to create consistent document labeling

Documents export into imaging system and are indexed appropriately

baker hill applink overview

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