Retail Loan Organization System

Based on our two decades of servicing the banking industry, we have developed a Comprehensive  Loan Origination Solution Accelerator. Built as per industry requirements, it is agile and adaptable. A core BPM framework rendered agile by Retail Framework that lies atop, makes the solution adaptable and responsive to the extent that organizations can independently run most of the changes without too much dependency on us.

MULTIPLE TOUCH POINTS INITIATE FROM ANYWHERE

Loan request submission from multiple channels leading to increased business value.

 

POLICY AUTOMATION AUTOMATED CREDIT RULES

Integrated Rule Management System to automate complete loan credit policy.

 

RISK MANAGEMENT INTEGRATED COMPLIANCE

Integration with External Credit Bureaus support for effectual decision making.

SOLUTION HIGHLIGHTS

  • Pre-screening: Check applicant eligibility along with credit checks
  • Credit Application Management: Seamless on-boarding with configurable templates for data capture
  • Underwriting & Credit Analysis: Comprehensive credit assessment tools for underwriting and engenders score as part of internal scoring engine
  • Decision & Approvals: Rules driven matrix ensures a robust validation and approval process for loan disbursal
  • Document Management: Maintenance and segregation of documents and generation of loan packages with pre-defined bank specific templates
  • Collateral Management: Unified workflow around releasing, updating, valuing and moving collaterals and other linked processes
  • Deviation & Delegation Management: Supports event and rules-based management of exceptions as well as appropriate workflow routing
  • 360 degree dashboard: Configurable functional, operational and investigative reports & dashboards
  • Disbursement: Integration with core banking and card management systems for customer and account creation and supporting amortization schedule generation with full/partial disbursement schemes
  • Integration with Third Party Applications: Seamless integration with bank’s third party and legacy applications such as Core Banking Solutions, Rating Applications, Credit Bureau Systems etc