Lending
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
Benefits:
- 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
For more information, contact the Finantix team
