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Intelligent automation

  • LM1 is built on world's most powerful BPM platform

  • Intelligent automation is required for complex processes

  • Solution open for expansion and transformation

What is LM1?

LM1 is the ultimate digital loan management  system for optimizing the "application-to-close" process by fluidly harmonizing the work of loan officers, underwriters, and post-closers. Redundant work is banished and efficiencies exposed across the business.

Via single, unified electronic workspace your teams can seamlessly collaborate with task-flow and chat functions, leveraging instant access to information and services through integration with core banking systems and third party information sources.

The LM1 solution for banks is designed to meet all key banking standards and adapt to the very specific requirements of your loan business.

Analyst Quote

"Without a strategic approach to workflow, lenders will find themselves battling rising costs and inefficiencies in an increasingly fragmented and competitive marketplace." 

  - Industry Analyst -

intelligent automaton

LM1 is powered by Whitestein's Living Systems Process Suite (LSPS).  LSPS is an industry leading iBPMS that combines goals, decisions, people, process, and data to build simple  yet powerful applications that meet any business requirement.


Loan operations is a complex domain that requires intelligence to navigate, particularly with respect to loan processing and underwriting based on information, rules, and the goals of the bank and regulators. To perform this efficiently and effectively, the LSPS engine combines dynamic execution, event management, task multithreading, collaboration, and machine intelligence.  LSPS powers LM1 to digitally transform the work of lending teams. 

doc management

Advanced Document Management

  • Automatically establish visibility of bank policies and loan requirements

  • Reduce client complexity with clear requirements and ability to pull previously delivered documentation

  • LM1 integrates with document management systems

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Advanced Document Management.png

LM1 automatically creates a list of required supporting documents for a loan based on your financial institution’s policies. The entire loan operations team has complete visibility.


All documents are Required, Requested, Received, and Verified. Great features such as drag-and-drop plus two-way integration with document management systems including the JHA Synergy®Enterprise Content Management system help to better manage such time consuming and error prone tasks.

Integrating Third-Party Services

  • Save time, avoid "Swivel chair syndrome"

  • Add or change service relationships with low impact

  • Order financial reports, appraisals, & credit information

  • Automatically extract pertinent information for use in loan processing

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Integrating Third party s.

Third party services are a critical and expanding area for lending teams to manage. All too often lenders, processors, and underwriters are suffering from "swivel chair syndrome". They log into any number of different systems to pull, print, scan, and retype information for credit reports, appraisals, OFAC, CRB, and other requirements.

LM1 eliminates this overhead. Credit reports, CRB checks, and appraisals are ordered automatically through LM1 with copies of each stored as Supporting Documents. Useful data is extracted from these reports for analysis, such as liabilities from credit reports and other financial data.



  • All communication is stored with the loan

  • Q&A, Chat and notes

  • Email, text, and integration to CRM systems

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communication & collaboration

Lending is a team sport. Efficient communication and the ability to trace that communication and decision making are critical for execution and audit. LM1 provides team collaboration Q&A and comment features keeping that information with the loan.

Notifications are automatic and configurable. For example, email notifications are sent directly to team members. Additionally, LM1 can escalate issues based on policy and performance goals. LM1 can also integrate to CRM systems to keep everyone abreast of loan progress, issues, and/or work assignments.


& Compliance

  • Seamless guidance of the loan team through compliance tasks

  • Automatically include all regulatory documents

  • Full audit history of loan actions

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Rules and compliance
Rules and compliance.png

LM1’s standardization and streamlining of processes does more than improve operational efficiencies and reduce operational costs, it supports regulatory compliance to aid easier implementation and less costly maintenance.


Policy is implemented and seamlessly enforced throughout the process, without making the process too rigid to support the way teams work. Policy guides for users are stored within the system for quick reference. Policy changes are easily driven by business users steering the system in LM1’s intuitive configuration layer.


Prep integration

  • Automatically loads all loan information into doc prep systems

  • LM1 supports multiple doc prep and LOS systems

  • Improves quality while insulating operations from changes

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document prep integration

For many lending teams, loading the loan information into the Doc Prep is the point where errors, missing information, and rework are identified.  


For LM1 users all those issues are avoided or solved early in the process, ensuring that loading the loan into the LOS for closing preparation is both instant and painless.

Total Visibility

Total Visibility 

  • Clear pipeline data

  • Realtime dashboard components and embedded charts

  • Full audit history of loan actions

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LM1 provides visibility into processes and ensures that the right data is available at the right time to ensure more consistent decision making. LM1 captures every action in the process making providing complete audit trail on the “what, when, and who” of each loan.


With LM1, information silos are a thing of the past.

The Pipeline is there in real time, the way you need to see it. The team members working the loan are clearly displayed. All team comments and questions are stored and available with the loan. LM1 even creates a sales event in your CRM system, such as JHA Synapsys®CRM,so the entire bank has visibility of the loan in process.

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