Roadmap to a Real-time ROI: A Phased Path to Automated Personalized Offers
We believe automation should be a low-risk, high-reward journey. Our 3-phase approach allows Credit Unions and Banks to build data discipline and operational confidence incrementally—delivering immediate value while scaling toward a fully automated future.
Precision Offer Targeting
The Goal: Transform Member Insights into Actionable Growth.
Traditional marketing relies on stagnant bureau scores that miss a member’s true financial reality. This leads to low response rates, frictions, and wasted marketing spend.
We help you focus on marketing relevance by creating a “Centralized Member Profile” that looks “Beyond the Score.” By integrating transaction-level cash flow modeling, we identify exactly what your members need before they even ask, with a clear view of their liquidity and discretionary income.
Key Deliverable
A validated NBQO (Next Best Qualified Offer) model built on your historical data.
Primary Value
Higher offer acceptance rates and deep quantitative insight into member needs—without changing your production systems.
Result
Enabling you to move away from generic "product pushes" to personalized recommendations based on a member's full financial "wallet" view.
Real-time Prequalification
The Goal: Win the Moment of Intent.
In a digital-first market, “pending” is a lost opportunity. Traditional lending is too slow; by the time a borrower completes a full application and waits for a manual review, they have already been captured by a competitor offering an instant answer. This delay creates a response gap where member intent is lost to faster, more agile lenders.
We help you to shift away from “offline” analysis to real-time engagement. By introducing Soft Credit Pulls and instant pre-qualification, you can engage members with accurate, priced offers the moment they express interest.
Key Deliverable
A real-time decision engine that mirrors your internal credit policies.
Primary Value
A 95%+ match accuracy between pre-qualification and final origination, and drastically reducing decline rates.
Result
Eliminating the friction, delivering “pro-active” personalized offer, and building massive member trust through transparency and empathy.
Intelligent Credit Origination
The Goal: Augment your LOS with an intelligent layer
Traditional Loan Origination Systems (LOS) are exceptional at managing complex workflows and ensuring compliance, but are often too rigid to handle modern, nuanced AI logic. When credit strategies are deeply embedded in the core workflow, even minor policy updates can require significant technical resources. This creates an agility gap, where the desire to innovate with new data or AI-driven signals is slowed by the very system meant to move loans forward.
In this final phase, Modelshop integrates seamlessly as the “intelligence layer” for your LOS (e.g., nCino, MeridianLink, etc). We don’t “rip-replace’ your system; we augment it with complex, real-time counter-offers and AI-driven credit signals.
Key Deliverable
A centralized offer optimization engine integrated directly into your LOS or core workflow.
Primary Value
Higher instant-approval rates and a significant reduction in manual underwriting for repeatable decision patterns.
Result
Empowering you to modernize your lending logic incrementally—delivering immediate ROI while de-risking the path to full automation that defines your institution’s DNA.
Journey to Real-Time, Frictionless, & Personalized Offers
From Reactive to Proactive:
Most banks wait for a customer to apply. Modelshop allows you to run your entire member database through your credit models every night. By morning, you know exactly which 500 members qualify for a $25k line of credit, allowing you to send pre-approved, firm offers before they go to a competitor.
The "Shadow" Production Environment:
You can run new credit strategies in "Shadow Mode." You can see how a new set of rules would have performed over the last 6 months without actually risking a dollar. This gives the CRO empirical data to justify a policy change.
Speed to Market
They typically reduce the "Idea-to-Live" cycle for a new credit product from 6 months to 2 weeks.
Modernizing Without Replacing
The most compelling value is that you don't have to fire your current LOS. You keep Baker Hill for the workflow and documents, but you use Modelshop to handle the real-time decisioning logic that Baker Hill wasn't built to do at high speed.
The Collaboration Model: "Work Better Together"
Your Loan Origination System (LOS) is the essential backbone of your lending operation, managing complex workflows and document compliance. Modelshop is designed to sit alongside that foundation as a specialized “Intelligence Layer,” providing the real-time analytical depth needed for today’s market without requiring a “rip-and-replace” overhaul.
We serve as a high-speed analytical partner for systems such as nCino and MeridianLink. By externalizing complex credit logic and cash-flow modeling into Modelshop, you empower your existing LOS to deliver faster answers while maintaining its role as your primary system of record. It’s a “best-of-both-worlds” approach that honors your current technical roadmap.
Key Benefits of an Integrated Approach:
- Reduced Operational Friction: Avoid the disruption of a system migration. Modelshop plugs into your current architecture via API, enhancing functionality in a fraction of the time.
- Unified Decision Logic: Provide your team with a single, no-code environment to manage credit strategies that instantly sync across your digital front-end and your back-office LOS.
- Empowered Underwriting: By automating standard approvals within your existing workflow, you liberate your underwriters to focus on the nuanced, relationship-based lending that differentiates your institution.
