One of the most critical bank activities is granting credits to its customers. Increasing the flexibility of credit approval processes and hastening their cycles without sacrificing the necessary precautions is mandatory. The Lending solution enables branch employees and credit specialists to manage and monitor sales operations and transactions of a broad range of lending and mortgage products and services with an end-to-end approach. The solution integrates seamlessly front-, middle and back-office systems including analytical and operational CRM functionality.

CREDIT FORMS supported by the solution are: :

	Mortgages
	Consumer loans
	Credit lines and overdrafts
	Credit cards
	Commercial loans

Key functionality:

	Management of prospects and existing customers (with a full view of their position)
	Support for individual and business customers
	Lending product catalogue
	Calculators and simulators
	Product affordability check
	Repayment schedule calculations
	Application capture
	Approval in principle
	Integration with rule and scoring engines
	Management of the approval process

	Ability to configure, simulate and illustrate both simple and complex product proposals at point of sale
	Automation of process and credit decisions through a scoring engine and a rule engine
	Quicker capture of information via intelligent forms
	Easy definition of approval processes optimised for each product
	Ability to tune operational parameters and processes in real-time