Constant
Click to visit website
About
Constant is an automation platform designed for financial institutions to streamline loan servicing and collections through its proprietary Zero Manual Processing™ technology. By transitioning the majority of routine loan management tasks to a digital self-service channel, the platform aims to reduce the operational burden on internal teams. Instead of simply providing information, the tool is built to resolve borrower issues entirely within the digital interface. This includes a wide range of actions from simple due date changes and skip-a-payment requests to more complex procedures such as loan modifications, payoff quotes, and SCRA benefit applications. The system operates through a modular, widget-based architecture, allowing banks and credit unions to embed specific automated features directly into their existing online or mobile banking ecosystems. At the core of the platform is a rules engine managed via a Client Admin Portal, where institutions can configure their specific brand guidelines, lending policies, and decisioning logic. When a borrower initiates a request, the software asks a series of targeted questions, matches the responses against the institution's pre-set rules, and delivers an immediate resolution. For more nuanced cases, the Constant Work Queue™ allows for conditional approvals and manual oversight of specific stipulations. This solution is primarily developed for leadership roles within financial institutions, including Heads of Consumer Lending, Heads of Operations, and Chief Digital Officers. It addresses common industry challenges such as workforce volatility, rising operating costs, and the protection gap in loan safeguards. By automating high-volume, low-value interactions, frontline representatives are freed to focus on high-touch member interactions and revenue-generating activities. This approach also caters to modern consumer preferences for immediate, 24/7 digital resolution of financial tasks without the need for phone calls or branch visits. What distinguishes Constant from traditional servicing software is its focus on complete resolution rather than just facilitating communication. While many digital journeys end with a redirect to a live agent, Constant's platform is designed to handle the entire lifecycle of a request, including the decision-making process. Additionally, the Live Agent™ feature provides a bridge for members who still prefer human contact; it allows staff to access the same automated tools used in the self-service channel to ensure consistency and speed across all service touchpoints.
Pros & Cons
Automates up to 70% of manual tasks typically handled by loan operations teams.
Offers a resolution-focused self-service journey rather than just providing account information.
Embeds directly into existing digital banking platforms via a modular widget system.
Supports complex compliance tasks like SCRA benefits and repayment plans without live agents.
Enables financial institutions to grow loan volume without increasing operational headcount.
Detailed pricing is not publicly disclosed and requires a custom demonstration.
Requires integration with the institution's existing core systems and digital banking platform.
Initial configuration of rules and policies in the admin portal is necessary for automation.
Use Cases
Heads of Consumer Lending can grow loan volume and manage fluctuations by providing automated, personalized offers within the servicing workflow.
Heads of Operations can reduce operational expenses by migrating manual tasks like fee waivers and due date changes to a self-service channel.
Chief Digital Officers can enhance mobile banking satisfaction by offering 24/7 resolution-based tools that prevent members from abandoning digital channels.
Frontline banking representatives can use Live Agent mode to assist members with complex tasks using the same automated rules and speed as self-service.
Platform
Features
• loan modification self-service
• skip-a-pay processing
• payoff quote automation
• live agent™ support
• constant work queue™
• client admin portal
• widget-based features
• zero manual processing™
FAQs
What specific loan tasks can be automated?
The platform handles various tasks including Skip-a-Pay, payoff quotes, due date changes, fee waivers, loan modifications, and SCRA benefits. It is designed to resolve these issues without manual staff intervention.
Can Constant be integrated into existing banking apps?
Yes, it uses a widget-based approach designed to be embedded directly into current member or online banking experiences. This modular design allows institutions to deploy one or all features as needed.
How does the platform handle complex decisions?
The Client Admin Portal allows institutions to set their own rules and policies. The AI then matches borrower answers to these pre-set configurations to render decisions and resolve issues in minutes.
Is there a way for live agents to assist?
The Live Agent™ feature allows branch or call center reps to step into the member's journey. They can leverage the same Zero Manual Processing™ tools to ensure a consistent experience across all channels.
What happens if a request requires human review?
The Constant Work Queue™ manages cases that require conditional approval or manual oversight. This allows staff to manage specific stipulations or reviews that fall outside of fully automated rules.
Job Opportunities
Client Delivery Lead
Empower borrowers to resolve loan tasks via automated self-service, reducing operational costs for banks while handling modifications, fees, and payoff quotes.
Benefits:
Flexible PTO
Work From Home
Medical, Dental and Vision Plans
401 (k)
Health Spending Account
Experience Requirements:
2-4 years of loan servicing experience
Experience with core banking systems (JH Symitar, Fiserv DNA, etc.)
Experience with software/systems implementations preferred
Credit union industry background preferred
Other Requirements:
Proficiency in process mapping
Familiarity with project management tools (Jira, Monday, Asana)
Strong communication skills
Organized, detail-oriented, and good judgment
Responsibilities:
Implement Constant's out-of-the-box loan servicing workflows
Map client processes and identify configuration needs
Document client-specific business rules
Manage 5-7 concurrent client implementations
Serve as day-to-day client contact
Show more details
Senior Software Developer
Empower borrowers to resolve loan tasks via automated self-service, reducing operational costs for banks while handling modifications, fees, and payoff quotes.
Benefits:
Flexible PTO
Work From Home
Medical, Dental and Vision Plans
401 (k)
Health Spending Account
Experience Requirements:
5+ years of experience with JavaScript and Python
Proficiency in PostgreSQL and performance optimization
Experience building and maintaining REST APIs
Deep knowledge of Git
Working knowledge of AWS services
Other Requirements:
Ability to write code without the help of AI tools
Familiarity with SOLID principles and Domain-Driven Design (DDD)
Proficiency in writing unit and integration tests
Understanding of secure coding practices
Responsibilities:
Develop robust, secure, and adaptable software solutions
Actively contribute to agile team processes
Design, implement, and maintain RESTful APIs and microservices
Collaborate on system architecture
Debug complex issues and optimize code
Show more details
Ratings & Reviews
No ratings available yet. Be the first to rate this tool!
Alternatives
JUDI.AI
Empower community financial institutions to provide fintech-like experiences for small business loans with AI-driven cash flow analysis and automated workflows.
View Details
Fundamento
Streamline the lending journey with AI voice agents that automate loan discovery, servicing, and collections in 30+ languages to increase disbursal rates.
View Details
Blooma
Optimize commercial real estate lending with AI-powered document parsing, automated deal scoring, and real-time portfolio monitoring for smarter risk management.
View Details
Lentra
Accelerate customer acquisition and eliminate manual errors with an AI-powered digital lending platform designed for banks and diverse financial institutions.
View DetailsFeatured Tools
adly.news
Connect with engaged niche audiences or monetize your subscriber base through an automated marketplace featuring verified metrics and secure Stripe payments.
View Details
Atoms
Launch full-stack products and acquire customers in minutes using a coordinated team of AI agents that handle everything from deep research to SEO and coding.
View Details
Sketch To
Convert images into artistic sketches or transform hand-drawn drafts into realistic photos using advanced AI models designed for artists, designers, and hobbyists.
View Details
Seedance 4.0
Create high-definition AI videos from text prompts or images in seconds with built-in audio, commercial rights, and support for multiple cinematic models.
View Details
Seedance
Transform text prompts or static images into cinematic 1080p videos with fluid motion and consistent multi-shot storytelling for creators and brands.
View Details
GenMix
Generate professional-quality AI videos, images, and voiceovers using world-class models like Sora 2 and Kling 2.6 through a single, unified creative dashboard.
View Details
Reztune
Land more interviews by instantly tailoring your resume to any job description using AI-driven keyword optimization and professional, ATS-friendly templates.
View Details