Abstract: Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the variability of the collections cycle, reducing instances of foreclosure in collections, while increasing borrower satisfaction with the collections process. Candidate loan officers are selected based on behavioral attributes, personnel history, and human resources information, among other factors. Scripts that improve the effectiveness of communication between loan collection staff and borrowers are generated. An optimized collection program to best suit the needs of a particular borrower is determined.

Abstract: A customer communication system having a scripting system coupled to a customer interface and at least one business system. The scripting system has at least one processor and at least one memory. The processor is configured to communicate with the customer interface and communicate with the at least one business system in real-time using a data format containing a unique identifier and a token value associated with a data value. The processor is also configured to provide a scripted conversation that is delivered to a customer, where the scripted conversation is predetermined based on one of information contained in a customer account, information provided by the customer and analytics and changes in real-time based on psychological factors of the customer that are detected during the customer communication.