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Loan Origination System | Cash Management | Financial Supply Chain Management

Loan Origination System

 

Integro’s Loan Origination System product suite is an end-to-end integrated credit risk management system which improves productivity, enhances credit quality, and reduces operational risks.

The Credit Risk Management System incorporates the Basel II risk management framework as well as best-of-breed credit risk management practices from international banks. The solution is a strategic risk-based lending platform to enhance credit quality and improve productivity. It is also the data gathering infrastructure for all three credit risk management approaches of Basel II (Standardized, FIRB, and AIRB).

Loan Origination System

Loan Origination Features

Empowers your customers with
the capability to have the most
up-to-date group limit exposures
on a global institutional level.
Improve your overall collateral,
limits and exposure management
Decrease application turnaround
time, launch new products in
a quick time.


Commercial Loan
Origination System


Collateral and Limits
Management System


Retail Loan
Origination System


SmartLender Collection
and Recovery


FI Credit Risk and
Limit Management

Commercial Loan Origination System (CLOS)

A single point of credit assessment, real-time risk assessment and reporting tools to make the best possible commercial lending decisions

SmartLender Commercial Loan Origination System (CLOS) is a workflow-driven web-based platform and tightly integrated single point of credit assessment, which allows banks and commercial lenders to streamline and holistically improve their standard underwriting process for all commercial loan segments, including Large Corporates (LC), Commercial and industrial (C&I), and small and medium-sized enterprises (SME).

SmartLender CLOS Product Features

  • Qualitative Data Capture
  • Managing Customer Touch Points and Relationship
  • Quantitative Financial Spreading and Analysis
  • Complete One Obligor Exposure (OOE)
  • Complex and/or Simple facility structuring, in a single screen
  • Tightly Integrating the Business and Credit Units through the ‘Playground’
  • Easy configurability and creation of new products
  • Security and Collateral Linkages

Collateral and Limits Management System (CLIMS)

Control legal, operational, liquidity, and market risk of collaterals with SmartLender CLIMS, a Basel II compliant post-approval platform

SmartLender CLIMS, being a workflow-driven, web-based platform and tightly integrated post-approval system, allows banks to streamline and holistically improve their overall collateral, limits and exposure management. CLIMS provides a platform that minimizes manual processing, provides robust collateral maintenance capabilities and a comprehensive limits and exposure management module, which pro-actively manages concentration and sectorial risks, along with many other pre-defined risk dimensions.

SmartLender CLIMS Product Features

  • Collateral Maintenance
  • Collateral Specific Screens
  • Complete Documentation Workflow
  • Security Completion Certificate (SCC)
  • Reporting Capability
  • Single View of Customer (SVC) Limits
  • Smart Event Handler
  • Collateral Concentration Reporting
  • RWA Engine and Data Warehouse Integration
  • Reporting Capability

Retail Loan Origination System (RLOS)

Decrease application turnaround time, launch new products quickly, and proactively manage risk through SmartLender RLOS

SmartLender Retail Loan Origination System (RLOS) is a rule and workflow-driven web-based platform and tightly integrated single point of credit assessment, which allows banks and retail lenders to streamline and holistically improve their standard underwriting process for all retail loan products, both secured and unsecured, namely, credit cards, mortgages, hire purchase, personal loans and unsecured loans.

SmartLender RLOS Product Features

  • Comprehensive Data Capture for all Application Types
  • Aggregating Auto-Decisionning Information for Credit Assessment
  • Instant Duplicate Check
  • Rules-driven Tailor-made document checklists
  • Powerful Campaign and Product Management
  • Road-show and Promotions Facilitation (Pre-Score)
  • Credit Reports and Eligibility Checks
  • User-specific Task Lists, Application Journal and Service Level
  • Agreements (SLA)
  • End-to-End Straight-Through Processing (STP)

SmartLender Collection and Recovery

Bring loans in default back to normal efficiently and effectively with SmartLender Collections and Recovery

SmartLender Collections and Recovery (C&R) is a workflow-driven web-based platform that allows banks and commercial lenders to streamline and holistically improve their Collections and Recovery processes for all accounts, especially retail and small enterprise accounts.

Primary components of SmartLender C&R include:

  • Queue Management
  • Call Management
  • Field Management
  • Collateral Management and Write-off
  • Document Generator
  • MIS Reports
  • Performance and Incentives Management
  • Strategy Templates
  • User Administration
  • C&R Integration

FI Credit Risk and Limit Management

Have a real-time, consolidated view of your global limits and exposure with SmartLender’s FILMS

SmartLender Financial Institution Limits Management System (FILMS) is a workflow-driven, web-based platform that allows banks to streamline and holistically improve their overall credit workflow, limits and exposure management. FILMS provides a platform that simplifies the daily credit activities from credit origination, credit approval up to limit loading for financial institutions, such as banks and sovereigns. It also allows financial institutions to accurately monitor the limit utilization and limit exposure for the customer.

SmartLender FILMS Product Features

  • End-to-end workflow for credit requests and credit applications
  • Flexibility to maintain View/Maintain Obligor and Group
  • Comprehensive Database for All Counterparties
  • Parameter Maintenance
  • Country Annual Review
  • Limit Allocation
  • Line Loading

Benefits
  • Improving collection efficiency & effectiveness
  • Control legal, operational, liquidity, and market risk of collaterals with SmartLender CLIMS, Basel II compliant post-approval platform
  • Make the best possible commercial lending decisions with SmartLender CLOS’ real-time risk assessment and reporting tools
  • Holistically improve your overall collateral, limits and exposure management with SmartLender Collateral Management System
  • Have a real-time, consolidated view of your global limits and exposure with SmartLender’s FILMS
  • Decrease application turnaround time, launch new products quickly, and proactively manage risk through SmartLender RLOS, the industry’s leading retail lending platform