Lending

Loans Origination

  • Flexible Loan Products & Payment Terms
  • BSP compliant, EIR, Truth in Lending
  • Aging & Reclassification
  • Loan Inquiry / Net-to Close/ Payments, Adjustments
  • Collection Module
  • Restructuring
  • Interest Income recognition (accrual/ cash)

Loans Management

  • Flexible Loan Products & Payment Terms
  • BSP compliant, EIR, Truth in Lending
  • Aging & Reclassification
  • Loan Inquiry / Net-to Close/ Payments, Adjustments
  • Collection Module
  • Restructuring
  • Interest Income recognition (accrual/ cash)

Loans Collections

  • Loan Collections Bucketing
  • Record Promise to Pay with categorization
  • Pro-active Collections based on Risk Behavior
  • Browser based and can accomodate outsourced agencies
  • Integration to Call Dialers

Customer 360

  • Specific data/information for individual and corporate customers
  • Total Customer relationship banking
  • Approved credit facility- credit line, single borrower’s limit for borrowing customers
  • Business References such as depository bank, creditors, suppliers, customers for borrowing customers
  • Centralized Information

Credit Score & Policy Deviation

  • Auto compute risk scores from external provided models
  • Pessimistic, Optimistic, Policy driven thresholds
  • Apply Policy Deviations
  • Parameterized build up of Scoring and Policy Deviation Rules