IND Loan Origination

As macroeconomic conditions have hardened, banks have been forced to opt for more expensive resources, lower margins and face increasing regulatory burdens. Risk assessment, advisory and efficiency became more important issues. IND Loan Origination ensures that corresponding regulatory and quality processes are in place efficiently, and allows the bank to maintain sales of loan products with lower risk and less effort.

IND Loan Origination is a state-of-the-art solution providing a seamless processing of retail banking lending products from enquiry to disbursement.


Highlights: 

  • customer tailored advisory;
  • early risk assessment;
  • document management;
  • smooth business process management;
  • highly customizable product configurator.

 

 Welcome screen

 Loan product parameteres

 Product selection screen


Overview

  • Loan products configuration to shorten time-to-market period;
  • Wide range of product parameters to respond quickly to market challenges;
  • Overall product information, challenge calculations and advisory process 
          for targeted customer services;
  • Process status management and electronic document processing to
          improve efficiency and productivity;
  • Flexible business rule configuration to implement tailored error
         and condition checks;
  • Multi-level decision making process to minimize operational risks;
  • Easy-to-configure and transparent authorization and access control settings
         to improve internal security.


Functionality

Product configuration

  • Setting up product specific conditions
  • Setting up product specific required documents list
  • Customizable status management
  • Customizable pre-defined calculations
  • Customizable e-mail notifications
  • Product hierarchy maintenance

Process support

  • Activity and status management of loan applications
  • Financial product parameter controlled processes
  • Controlled data recording process
  • Status linked dynamic condition evaluation
  • Financial product and loan application history
  • Financial calculations: credit capacity, credit amount, fees and costs, 
         cash-flow, APR
  • Foreign currency conversion support
  • PDF document generation based on RTF templates

Administrative functions

  • Enhanced authentication settings
  • Group based authorization management
  • User management
  • Multi language support
  • Banking calendar
  • Menu editor
  • Value set management