Integro’s SmartLender Corporate is an End-to-end Integrated Credit Risk Management System incorporating the Basel II risk management framework as well as best of breed credit risk management practices from international banks. It 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 & AIRB)
SmartLender Corporate comprises of 4 main modules:
Credit Processing System (CPS)
The Credit Processing module encompasses all activities from marketing , prospecting , pre-qualification , credit underwriting including rule-based credit processing and approval, facility structuring (able to handle complex omnibus line with multiple inner and out limits) and subsequent covenants monitoring . With its advanced yet flexible workflow engine, the bank will immediately be able to harness the efficiency and effectiveness of straight-through processing . The SmartLender CPS will also be able to link up to any existing core banking systems to extract utilization information as well as conduct of accounts. Through its sophisticated document generation engine, a complete LO (Letter of Offer) can be generated through the system accurately reflecting all the advised terms and conditions and covenants.