Origence makes it easy. We keep everything in one place. We give a consistent experience to our members, our dealers, and our staff with having everything in one place. And Origence does it really well. There's so much capability with the systems that they have. They're constantly coming out with new and exciting things that help us run our business better. And it's the one stop shop, right? We can service members, dealers. We help our staff work more efficiently. And all these tools come together to provide a really excellent experience for everybody. My name is Kate Gunn. I am a Senior Lending Product Manager with Travis Credit Union, which is $5.5 billion in assets out of Vacaville, California. We utilize arc OS for decisioning and processing for our direct and indirect channels. We leverage document processing automation for our indirect channel as well. And we are linked through CUDL with our dealer partners. And recently we started utilizing Origence lending services for our overflow services. Travis Credit Union has been with Origence, arc OS since 2014, and we utilize it for both our direct and indirect channels. And it gives such great consistency to the experience for everybody, for our members, for our dealers, because you can easily see everything in one place. You can see the duplicate applications, you can see the entire picture, and that helps us identify any discrepancies so that we can fight fraud and we can make sure that we're getting the business that we want and that we're able to service our dealers faster because we have the entire picture in one place and we don't have to go searching in multiple systems for all the answers. Travis Credit Union is able to build and maintain a strong lending pipeline through our indirect channel, which we have a 27% look to book ratio on average because of the seamlessness of the system. When working with our dealer partners, over 400 dealer partners that we work with, our instant decisioning through arc OS really sets us apart with the dealers. We utilize arc OS decision to easily adjust our rates to stay competitive with our dealers. We can make adjustments to underwriting criteria to manage our risk portfolio and make any changes to our policies or guidelines through our stipulations that help us keep our relationships with the dealers smooth. We're able to give them instant approvals so that they don't have to call in and talk to a loan officer. They're able to get their decision right away, the stipulations they need. So we're able to become their credit union of choice because of that. Document processing automation or DPA came in at a time where we had so much volume and that AI process of reviewing our documents gave us such a peace of mind when reviewing all our packages that we were able to really cut down on the amount of manual work that our team was putting into reviewing packages and that helped really smooth, smooth out the process, streamline our funding process. Travis Credit Union was an early adopter of the document processing automation, DPA process. And so we were really able to work closely with Origence to refine what the system was doing, give our feedback so that it would make it even better for the next, customers, clients that were coming in to use it. Travis Credit Credit Union went through a period of time like we all did with incredible volume and bringing in Origence Lending Services to help with our overflow really helped us meet the needs and the turnaround times that are expected of us from our dealer partners so that we were able to keep the business and keep the smooth experience. And it also supported our members because being able to process their loan faster means that they're not calling and asking, Where's my loan? When's my payment due? We're able to get it done as quickly as possible, and it makes everything smooth for everybody. Keeping the technology for our overflow services with Origence is valuable for Travis Credit Union because we're keeping everything together in one place. We're not having to manage multiple vendors. We can reach out to Origence, who is a trusted partner and has incredible credit union industry experience. And we know that they will get back to us right away. We really value our relationship with Origence and we trust them so much to support quickly when something is needed to be turned around. Our partnership with Origence is probably one of the best partnerships that we have in lending. We have been working with these teams for so long. So we have such a great relationship and it feels smooth when we need to have that communication, when we need to put a meeting on the books, it's easy. It comes down to responsiveness and Origence has always been responsive and not all vendors are like that. Sometimes you send out an email and you have to follow-up multiple times or you don't get a response back or you have to call and you get a call center that you know you're on hold for a long time and maybe you still don't get your answer. But it's never been that way with Origence. We've been able to have nothing but good experiences working with Origence.
