AUTOMATED LOAN DECISIONING
Speed approvals, ensure compliance, and deliver a digital-first lending experience.
As of 2023
Automated adjudication applies standardized rules across applications, improving turnaround time and reducing operating costs.
Members benefit from instant decisions and relevant cross-sell opportunities, creating loyalty and increasing wallet share.
Comprehensive reporting surfaces portfolio trends, credit performance, and future forecasts, enabling smarter lending strategies.
Centralized controls ensure your lending stays aligned with risk tolerances, product limits, and regulatory standards, while maintaining full audit trails.
With 16 configurable decision strategies, covering mortgages, HELOCs, auto loans, unsecured credit, RRSP loans, and more—you control how applications are assessed.
"Ideal Lender has streamlined our consumer lending process. Loan applications are auto-decisioned in seconds, using our defined and customizable decision trees ensuring that every product type is handled accurately and according to our policies. We’ve reduced manual reviews and improved turnaround times, giving both our lenders and our members the timely decisions they expect. From implementation to growth, the Covaleyo team has been there to fully support our Ideal Lender journey."
Dallas McDonald
Vice President Retail Credit & Dealer Finance
Digital Lender handles online application intake (member portals or broker platforms like Filogix). Ideal Lender applies your pre-set lending rules to auto-decision those applications inside ProLender. This integration is especially valuable for broker-driven lending, where automation saves time and boosts efficiency.
How it works:
1. Member or broker submits through Digital Lender.
2. Application flows into CRIterion.
3. Ideal Lender instantly decides: Approve, Decline, or Review.
4. Outcomes can be sent back automatically, reducing manual underwriting and speeding turnaround.
Today’s members expect approvals in minutes, not days. Yet manual reviews, policy complexity, and compliance demands slow lending teams down. Ideal Lender by Covaleyo combines automation with control, delivering faster approvals, consistent decisions, and compliance assurance without sacrificing your institution’s unique lending policies.
Partner with Covaleyo and leverage integrations with leading FinTech providers like Fiserv, Temenos, Celero, Filogix, Newton, and Equifax and more to streamline your loan origination process.
Our market-leading retail loan origination system simplifies and streamlines the borrowing process to support more efficient lending decisions.
Covaleyo’s Ideal Lender helps you:
Reduce decision times from days to minutes Improve compliance confidence Increase lending efficiency and member satisfaction
Book a demo today.