NetOxygen: Loan Processing
Software for the Real World

NetOxygen—Loan Origination Software
Providing Real-World Solutions

NetOxygen, Gallagher's latest innovation, is an n-tier, thin-client-based application-development architecture. NetOxygen combines advanced Artificial Intelligence (AI) features, such as profile-driven defaults, range validation, symbol lists, and field-level security, with robust data-caching capabilities.

One of NetOxygen's greatest strengths is its open-ended flexibility. NetOxygen can be scaled to fit the business needs of any organization, large or small, can be configured for any workflow, and can be customized to match any corporate look and feel.

• Gallagher currently offers two out-of-the-box configurations of NetOxygen—the NetOxygen Mortgage Solution and the NetOxygen Consumer Lending Solution.
• NetOxygen sets a new standard with true thin-client, n-tier architecture.
• NetOxygen's multi-tier architecture features a "smart data layer" that allows for unlimited network flexibility, easier system maintenance, and centralized application updates.
• NetOxygen supports new technology integration that provides lenders greater versatility, from both an operations and a technology perspective.
• NetOxygen's layered architecture allows lenders to modify elements without impacting the whole system. NetOxygen provides independent, reusable components that minimize the number of round trips between client and server, allow dynamic screen updates, ensure constant performance from the system, and offer clients the flexibility to use a variety of Web-development tools.
• At the heart of NetOxygen is a custom decisioning engine known as the Expert System. The Expert System is designed to enable Business Analysts, rather than programmers, to define the system's behavior.
• Business Analysts who use NetOxygen control the behavior of their systems directly, allowing them to adapt the system to changes in their company's business model at any time.
• NetOxygen's Web-enabled components automate the lending aspects of your system, providing seamlessly integrated field services.
• NetOxygen's automated lending components include a Product and Pricing engine, Loan Selection engine, Fees engine, and Business Entities and Contacts engine.
• NetOxygen's component-based architecture is designed to support a multi-company, branch-based environment, yet can be implemented piece-by-piece as language-independent components.
• With NetOxygen, any lender can deploy an end-to-end loan origination system that is scalable and sustainable long into the future. Alternately, NetOxygen gives developers and clients flexible components that can be plugged into the Gallagher system or customized using common development languages. These components can then be accessed with any Internet-enabled package that communicates using XML or SOAP.
• NetOxygen allows borrowers to deploy an e-commerce system that is seamless with their existing Web presence.
• Rather than forcing lenders to abandon their existing Web presence in order to implement an e-commerce system, NetOxygen places its functionality between the client interface and the database, allowing lenders to determine the look and feel of their interface.
• NetOxygen's dynamic workflow architecture uses load-balancing and automated rules-based routing to give lenders increased operational control over work queues and user progression.
• The Gallagher workflow is made up of a sequence of tasks that are conditionally available based on events and the loan's stage in the mortgage-lending process. The out-of-the-box system includes predefined workflow processes for retail, wholesale, and correspondent lending in an e-commerce package. You can use these activities right out of the box, or you can modify them—instantly and without writing code—to define your particular needs.
• With NetOxygen, you can generate reports and documents on any field in the system using any ODBC-compliant reporting tool.
• You may view, print, or e-mail reports using real-time data. Along with a complete set of standard mortgage documents and internal reports, you may create custom reports using tools such as Oracle Reports, VMP, or Gallagher's own GFSDocs solution. Gallagher provides the key to managing the paperwork you need to stay on top of the industry.
• Gallagher's Event Handler continuously monitors the system to automate processing and decisioning for your users.
• Through the Event Handler, you determine tasks, route work, and identify exceptions from any dialog. Initiated by an "event," such as a field or business rule result, the Event Handler automates virtually any task, including notifications, in your process.

• Through Gallagher's business-to-business (B2B) Internet-ready interface components, lenders may communicate with virtually any system or database quickly and easily.
• Using the standards put forth by the Mortgage Insurance Standards Maintenance Organization (MISMO), Gallagher has mapped the elements in mortgage lending to allow an interface to be as simple as a change of address. Although NetOxygen contains a number of standard interfaces to numerous service providers and supports any MISMO-compliant interface out of the box, our generic XML import/export components let you to create your own interface from within the Gallagher system or integrate it from the outside.
• Gallagher's security system controls access to all objects in your application from a single module.
• Using an independent authentication database, the NetOxygen Authentication Server centralizes user authentication activity for GFS applications, simplifying maintenance while increasing power and security of authentication data. Gallagher's security structure also allows you full control over any object in the system, including screens, fields, and workflow. Security may be unchanging based on the user, dynamic and dependent on current loan conditions and business rules, or both. This unique flexibility gives you the application security you require, without unnecessary configuration or time-consuming maintenance chores.