SmartLender offers all the operational efficient processes involved in the end-to-end Credit Loan Origination, Assessment and Management. Considering the labor-intensive task of Lending, Commercial Loan Origination is made easy with SmartLender driven by best market practice processes.
Commercial Loan Origination
- Single point of Credit Assessment, real-time risk assessment and reporting tool to make the best possible commercial lending decision.
- Avoids having data segregated in various aging systems by consolidating all relevant customer data into a single system. It removes lack of transparency for customers caused by delays and inconsistencies of data.
- The Loan Origination process is primarily broken into Pre-Qualification, Approval, Acceptance and Post-Approval processes.
- Provides collecting, spreading and analysing financial statement data, which includes but is not limited to balance sheets, profit and loss statements and cash flow statements.
- Financial Templates and associated Key ratios for analysis are available catering to various industry segments.
- Control legal, operational, liquidity and market risk of collaterals with the SmartLender’s Collateral management system – a post-approval platform in line with Basel II principles.
- It provides a solution that minimises manual processing, provides robust collateral maintenance capabilities, which pro-actively manages concentration and sectorial risks.
- A Centralized system where other Host systems are connected for purpose of limits checking and/or booking. For example, if a loan origination system is associated with Limit Management System, it can enquire the limits utilized by country so as to not originate a new deal/relationship that, when taken together, can cause the limit threshold for that country to be exceeded.
- Capable to handle concentration risk management by the different hierarchies of risk dimensions, and the different levels of groups.