AI SCENARIO Assistant
Create Borrower-Ready Presentations in Minutes
AI Scenario Assistant turns opportunities into fully priced, personalized presentations that leverage contextual data from Customer IQ and pricing from your pricing engine to determine the best loan scenarios for any borrower—all without adding manual effort for your originators.
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features
Close the gap between signals and action
An AI Sales Assistant that’s not all talk
From signals to shareable scenarios
When Customer IQ surfaces an opportunity or a loan officer deploys it from a contact record, list, or Journey—the assistant assembles the borrower’s full context, identifies the scenarios worth pursuing, prices them, and produces a ready-to-share presentation. The whole process takes under two minutes.
Context is king
AI Scenario Assistant pulls current loan details, equity positions, and credit signals from Customer IQ automatically to reduce the manual effort required from originators while still providing personalized scenarios for every customer.
Intelligent scenario selection
After evaluating borrower eligibility, AI Scenario Assistant generates models for multiple scenarios most likely to benefit that borrower.
Priced through your engine
Every scenario is submitted to your configured pricing engine before AI Scenario Assistant presents a fully priced quote for originators to review.
Genuine, not generic
Borrowers don’t respond to generic quotes or vague pricing. AI Scenario Assistant delivers a customizable presentation that shows the borrower’s current loan details, recommended scenarios, and side-by-side savings to help increase borrower responsiveness.
Show, don’t tell
Clearly lay out the borrower’s current situation and the potential savings or costs from each scenario to help them compare outcomes.
Loan officer branding
Every presentation includes the loan officer’s headshot, name, and contact details to help maintain the personal connections the originator shares with their customers.
Ready to send
Personally Identifiable Information (PII) is excluded from every presentation, making the unique short link ideal for delivery by SMS or email—and doesn't require borrowers to log in.
Review & refine
Scenario presentations are never delivered without originator review and approval. Once a presentation is generated by AI Scenario Assistant, originators can request adjustments directly within the tool—no forms to submit and no need to reconfigure the pricing engine.
Natural language edits
Type an adjustment (different property value, loan amount, rate buydown, etc.) into the chat and AI Scenario Assistant will reprice and regenerate the presentation in minutes.
Real-time revisions
Make edits to presentations while talking with a borrower, turning what used to be a static handoff into an active conversation.
Version history
Access previous versions of any presentation for easy audits or to revert if needed.
Compliance at every step
Leveraging AI in a regulated environment like financial services demands the highest levels of transparency and accountability. AI Scenario Assistant never invents numbers; all pricing is executed by your pricing engine and deterministic code, and the details for every run are fully documented.
Reasoning and rationale
Each run records all potential scenarios, explains which were excluded and why, and what was submitted to the pricing engine. These records are stored indefinitely in the Total Expert platform and easily accessible for compliance teams.
Fair lending by design
Recommendations are driven only by financial factors—rates, equity, credit, and balances—never demographics. AI Scenario Assistant provides the analysis, but the originator is always responsible for approving or denying an application.
Rule enforcement
Rate benefit thresholds, days between alerts, and loan closure windows are enforced as hard constraints, not suggestions.
Powered by a purpose-built platform
AI Scenario Assistant isn’t a standalone tool. It’s supported by the contextual data, deep insights, and scalable automation that make up the foundation of Total Expert. It understands your customers, acts as an extension of your team, and seamlessly integrates with the workflows your teams use every day.
Fueled by Customer IQ
AI Scenario Assistant leverages the latest available equity enrichment, credit signals, and rate eligibility data for every run.
Access to enriched contact records
The complete, organization-wide view of each customer informs the reasoning behind which scenarios the assistant chooses to ensure they align with the customer’s needs and priorities.
No lead left untouched
When Customer IQ surfaces an opportunity, Lead Management automatically creates a new lead and funnels it into a dedicated Journey. That Journey can trigger AI Scenario Assistant to generate pricing through your PPE, build recommended scenarios, and either deliver them directly to borrowers or request a review from the originator.
Features
The power of purpose-built
If you want to stand out in a crowded and competitive industry, you need to be intentional about the technology you choose to support your digital transformation. Total Expert unites your entire organization on a single, seamless platform to help deliver the personalized experiences your customers deserve at every stage of their financial journey.
AI Sales Assistant
Engage leads in personalized conversations and qualify them at scale, then hand off warm, ready-to-talk opportunities to your originators.
Customer IQ
Turn scattered data into timely action with real-time alerts, behavioral insights, and consent-aware records that tell your team exactly when and how to engage each borrower.
Lead Management
Capture, route, and advance every opportunity in a cohesive pipeline, so leads get assigned instantly, follow-ups are more consistent, and conversations never go cold.
Journey Orchestration
Utilize intelligent Journeys that provide the right mix of human and digital touchpoints and adjust based on the customer’s behavior and preferences to help you form deeper relationships and increase conversions.
Engage SMS
Connect with borrowers through two-way, compliant texting that blends automated Journeys and real-time conversations.
Mobile App
Work leads, text borrowers, and manage tasks from your phone to make sure no opportunity slips through the cracks.
WHY TOTAL EXPERT
We're more than a platform. We're a partner.
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Enterprise-grade tools
Unite teams across your organization on a single, seamless platform that allows them to stay organized, move faster, and collaborate efficiently.
Built for financial services
Legacy CRMs and horizontal solutions lack the depth and focus of Total Expert's purpose-built intelligence and engagement tools.
Drive growth in any market
Surface high-quality opportunities to engage customers the moment they signal a financial need—even in unpredictable markets.
Win customers for life
Leverage the data insights and marketing automation tools you need to build and nurture long-term relationships.
See Total Expert
in action
Create sustainable growth and increase loyalty with a Customer Operating System that’s purpose-built for financial institutions.
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