Credit Investigation

Name: Credit Investigation
Brand: Dimensions

Know Before You Lend

Credit Investigation is a module of Dimensions for Financing. It evaluates an applicant's eligibility before they become a customer, using a structured, scored, and auditable review started directly from the proposal computation.

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Who It's For

Financing companies, lending institutions, cooperatives, and any business with an in-house financing or installment arm.

The Challenge

Every bad loan was once an approved application. When credit evaluation is a judgment call on a form, rigor varies by loan officer and there is no audit trail.

Key Capabilities

Starts from the proposal: investigations launch from the Proposal Computation, so evaluation is part of the sales flow, not a side process.
Applicant and co-maker details: personal information, dependents, references, and supporting documents captured once and carried into the financing application.
Financial overview: income, expenses, and deductions, with net available monthly income computed automatically.
Credit history: existing loans, owned real estate, and motor vehicles.
Verification findings: area assessment and residence verification, including whether a site visit was done.
Configurable credit rating template: weighted criteria roll up into an overall rating and status.
Two levels of judgment: the investigator's recommendation and a separate manager evaluation.
Optional credit gate: only applicants with a passed investigation can be extended into customers and move on to down payment and financing applications.

Why Dimensions

Because it lives in the same platform as the ledger, every credit decision is traceable from application to amortization.

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Credit Investigation

Key Capabilities

Why Dimensions

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