First Niagara Bank has wrapped up a six-month project to implement a new CMSI loan-origination system. “We’ve migrated our 12,000 or so dealers onto the new platform,” First Niagara Vice President Craig Stickney told Auto Finance News, adding that the new platform is a complete overhaul of the bank’s old system and should improve speed of delivery. “In our world, we need five- to ten-minute turnaround time, not five- to ten-hour turnaround time,” he said. First Niagara has doubled its loan portfolio in the past year to $1.7 billion.