The $892 million credit union previously had no means for members to transact documents that required signature outside of the branch. By implementing IMM's TotaleAtlas and Document Exchange, IH Mississippi Valley now has a universal eSignature platform that provides in-person and remote signing capabilities, comprehensively managed and controlled by rules-based workflow automation technology. Providing members with additional, secure channels to electronically sign loan documents and disclosures has generated more lending business for the credit union as well as expedited loan completion and funding.

IH Mississippi Valley has also implemented IMM iSign, the native iPad client application for TotaleAtlas, to enhance the use of eSignatures in-branch while removing legacy signature pads for a faster, more convenient member experience.

"Since implementing IMM's technology, we have removed the costs traditionally associated with the overnight shipping of documents between parties and notaries while simplifying the backend imaging and archival process flow," said Ben Abbott, core systems manager, IH Mississippi Valley Credit Union. "Our previous, entirely paper-based process was less efficient and restricted our geographic market reach. Offering remote lending capabilities opens up new business potential, plus it has proved more reliable in the delivery and return of important, time-sensitive documents."

Abbott added that IMM's remote eSignatures have positively impacted its eBranch, where employees field incoming calls and online applications. This unit of IH Mississippi Valley can now reciprocate with eDocuments and eSignatures to easily keep loan transactions fully electronic throughout the member experience.

IH Mississippi Valley rolled out IMM's TotaleAtlas workflow technology as well, which has standardized rules governing document processes and tasks. The credit union can customize and then manage internal and member-facing document processes via automated workflows, which enhance productivity in addition to strengthening governance and managerial oversight into key business functions.

John Levy, IMM co-founder and EVP and ESRA (Electronic Signature & Records Association) board member, said, "IH Mississippi Valley has transformed its paper-based operation into a fully automated and controlled electronic environment that spans the entire business process, from transaction start to final archival of the eSigned documents. This has benefited the credit union with greater efficiencies while providing its members with convenient, expedient and easier channels to complete transactions and sign documents."