Credit Initiation (Retail)

Responsive UI to ease data capture with alternative standard APIs to accept data directly from channels or front-end solutions.

Full integrated to bureaus to assess bankability of customer to improve effectiveness.

Cross-sell, up-sell or down-sell to increase the top-line of the bank.

Evaluation & Approval

Straight-through decision with ability to automatically route refer case to person with appropriate authority.

Codified decision tree, table and rules with deviation and exception code for reporting.

Supports multi-stage approvals as well as committee approval for large loans.

Disbursement

Straight-through customer and account creation to core banking system with subsequent limit activation for revolving facility.

Dynamic checklist to ensure pre-disbursement conditions are fully met prior to each stage of drawdown.

Customer Engagement (Commercial)

Relationship based application with automated aggregation of single customer and group exposure overview.

Simulation of stress scenarios of the companies with peer comparisons with visualization.

Cascading of company and financial information for automated qualitative and quantitative ratings.

Documentation (Secured Loans)

Automated document generation with the ability to customize specific clauses for exceptions or campaigns.

Full integrated to DocuSign for E-signature for fulfillment.

Post-Disbursement

On-going customer review and credit searches to flag up any early warning signals.

Any eventual process arises from the above such as renewal, rescheduling, and restructuring.