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Omiga is an integrated solution for the point-of-sale,
application processing, and customer management of mortgage
business, distributed via direct channels. When combined
with Marlborough Stirling's back-office solutions, Omiga
allows customer and product servicing functionality
to be made available in the front office, helping the
majority of customer inquiries to be dealt with in a
single interaction.
[ Omiga Product Brochure ] 
With straight through processing, and multiple distribution
channel capabilities, Omiga helps to deliver significant
increases in productivity, simultaneously reducing operating
costs and improving customer service.
The current version of the product, Omiga 4, has been
designed from the ground up for today's web based, distributed
system infrastructures, using industry standard technologies
to enable easy customization, support and interfacing
to external systems.
Omiga consists of a number of modules that can be deployed
in whole or in part, and can be configured to meet the
specific requirements of your business. Together, these
modules support customer acquisition from initial inquiry
through to release of funds and manage the ongoing customer
relationship.
| Point of sale |
- Pre-approvals (certificate generation)
- Loan details (property/product/term)
- Asset/Liability details
- Data validation
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| Mortgage underwriting |
- Risk assessment
- Auto decisioning
- Credit requests
- Completeness checking
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| Fulfillment |
- Apply client-defined conditions
- Diarize follow-up activities
- Record supporting documentation
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| Funding |
- Automatic disbursement of funds (advances,
commissions, insurance premiums and fees, incentive
payments)
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| Directed Workflow |
- Manage task progression
- Automated case assignment
- Pre-defined tasks at each stage
- Work re-assigned as required
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| Document Management |
- Auto document generation
- Task generation for follow-up
- Multi-channel document distribution
- Document archive/audit trail
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| Supervisor |
- User set up (maintenance and authority)
- Intermediary (broker) set up and maintenance
- Lender specific definition/product factory
- Easy to use configuration and deployment
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A key strength of Omiga is its ability to connect customers
with a tailored multi-product offering, enabling customers
to submit applications for multiple lending products
at the same time and allowing them to mix and match
product offerings to achieve an optimal product mix.
Omiga provides a single view of the customer across
multiple product holdings and through a variety of access
channels. Supported by a customer engagement function,
customers are able to determine the nature and channel
of their engagement with a provider, giving consistency
across direct sales forces, financial advisers, branch
networks, call centres and the Internet.
Omiga's customer management functions ensure that customer
service is carried out according to defined standards,
which can be tailored to a provider's own business rules
and service philosophy. The application also records
every contact made with a customer, providing an at-a-glance
view of the relationship history.
Omiga can automate processes to allow a seamless electronic
upload, approval and dispatch to the administration
function. User involvement can be limited to exception
handling of applications that fail the standard acceptance
criteria for an organization.
Through the automation of both lending policy and risk
underwriting, Omiga improves the speed, consistency
and control of decision making. In addition to reducing
business risk, the customer benefits from a more rapid
decision process.
To find out more about Omiga or to arrange a
demo, we invite
you to contact us today!
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