AI SMS Assistant
Stop Ghosting Your Best Opportunities
Automatically engage borrowers and leads with convenient, conversational text messages the moment they signal intent. AI SMS Assistant is trained and managed by your team to ensure it can properly qualify interest, answer questions, book appointments, and move conversations forward until it’s time for an originator to step in.
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features
Follow up before opportunities fall through the cracks
Only 30% of loan officers follow up consistently on intent signals, and busy consumers don't always respond until multiple attempts. But some conversations don’t need a full phone call; and some schedules don’t always allow for one. AI SMS Assistant draws on the same borrower context, consent records, and Journey logic that powers every other engagement in Total Expert and writes every outcome back to the contact record. You decide how much autonomy to give it: draft-and-approve, or fully hands-free.
Turn every signal into a real conversation
AI SMS Assistant relies on Journey triggers to know when to act. Once in motion, the assistant pulls contextual borrower data so it can deliver a personalized message, ask informed questions, and steer the conversation toward a scheduled appointment, warm handoff, or completed status update.
Full context from the first message
Pulls loan details, equity and credit signals, consent status, and prior conversation history from Customer IQ and the contact record to deliver timely, relevant messages in every conversation.
Two-way conversations
Answers questions, handles objections, and engages in natural conversations, not one-way bulk messages.
Appointments booked right in the thread
Checks the loan officer's availability, offers the borrower open time slots, and books meetings without ever leaving the conversation.
You still call the shots
Train, monitor, and maintain full control over how much autonomy your AI SMS Assistant has. This ensures that it always acts as an extension of your team, understands your business goals, and knows when it’s time to hand the conversation over to a loan officer.
Choose how much to hand over
Run human-in-the-loop, where your assistant drafts messages for loan officer approval, or fully autonomous, where it manages the conversation and only flags urgent needs. Set rules at the organization-, loan officer-, or contact-level and take over any conversation anytime.
Conversations that lead somewhere
Sync with Lead Management to engage new purchase, refinance, and HELOC leads within minutes to recapture existing borrowers based on rate alerts, credit inquiries, and periodic reviews; and cover aged pre-approvals, firm offers of credit, and in-process loan updates.
No more dead ends
Appointments, qualification data, and engagement results write back to the contact record as insights and custom fields that automatically kick off the next step in a Journey and keep opportunities moving forward.
Native, compliant, and always on the record
Because AI SMS Assistant lives inside Total Expert instead of a third-party silo, every conversation utilizes the same contact data, consent, and compliance infrastructure your organization is already using.
Built in, not bolted on
AI SMS Assistant shares the same contact record, consent layer, and conversation history as every other engagement channel, so the messages sent by your assistant appear in the same Engage SMS thread, with a clear AI indicator, right alongside the loan officer's own texts.
Respects communication preferences
Verifies consent before every outbound message, adheres to “quiet hours,” and stops outreach instantly on any opt-out.
Full audit trails
Every message, approval, consent state, and opt-out is timestamped, logged, and reviewable in-platform with TCPA and CTIA requirements enforced as system constraints.
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.
AI Scenario Assistant
Engage borrowers in personalized conversations at scale to present customized scenarios, and 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.
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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