CORPORATE CREDIT ORIGINATION SYSTEM
A complex multi-layered, distributed workflow management system that covers the entire loan application process, data entry, verification, scoring, risk management, contracting, disbursement for all available products. Implementation within months, after which, according to our experience, Time to yes/time to cash can be reduced by 40-60%, while the number of documents can be reduced by 50%.
Business advantages
• Full loan lifecycle coverage• Cost-effective implementation with optimized processes, modifiable rules, workflow
• No license fees for own modules (the entire application source code is owned by the bank)
• System optimized for the bank's own business processes
• Fast response to market needs
• Easy-to-use interface: fields can also be parameterized by the business side
• Fast integration with core banking systems (e.g. account manager)
• Very fast implementation of business-critical products up to disbursement
Supported segments
The system was designed for micro, SME and corporate sector.Supported products
BUSINESS LOANS
INVESTMENT LOANS
SZÉCHENYI LOANS
CURRENT ACCOUNT LOANS
REVOLVING CREDITS
SHORT AND LONG TERM LOANS
OPERATION LOANS
MORTGAGE LOANS
REFINANCING LOANS
BANK GUARANTEES
Main modules
Customer management
Transaction decision
Valuation
Contracting
Disbursement
Monitoring
Reports
Customer management
• Customer basic database
• Opten integration,change management
• Complex authorization management (CRM / assistant, branch, region)
• Customer inquiry module (to modify a customer's current contact person)
• Negotiation report management
• Queries (automated KAR, BAR, KHR, OPTEN, GIRINFO, internal systems)
• Financial data, debtor ratings management
• Limit tables, limit management
• Verification questions management module
• Customer basic database
• Opten integration,change management
• Complex authorization management (CRM / assistant, branch, region)
• Customer inquiry module (to modify a customer's current contact person)
• Negotiation report management
• Queries (automated KAR, BAR, KHR, OPTEN, GIRINFO, internal systems)
• Financial data, debtor ratings management
• Limit tables, limit management
• Verification questions management module
Transaction decision
• Data recording
• Transaction data, collateral, customer data
• Automatic recording
(copying, loading from external system )
• Verification
• Customer, financial, collateral, transaction
• Decision
• Automatic
• Manual – risk management proposals, senior management decisions
• Lobby branches
• Data recording
• Transaction data, collateral, customer data
• Automatic recording
(copying, loading from external system )
• Verification
• Customer, financial, collateral, transaction
• Decision
• Automatic
• Manual – risk management proposals, senior management decisions
• Lobby branches
Valuation
• Valuation order (external / internal appraiser management)
• Valuation
• Valuation verification
• On-site inspection
• Valuation order (external / internal appraiser management)
• Valuation
• Valuation verification
• On-site inspection
Contracting
• Contract package generation (automatic generation, personalization)
• Custom modifications, Legal opinion
• Contract terms verifications
• Contract finalization, signature
• Contract package generation (automatic generation, personalization)
• Custom modifications, Legal opinion
• Contract terms verifications
• Contract finalization, signature
Disbursement
• Preparation / order sheets
• Automatic generation with personalization
• Modifications, Legal verification
• Conditions
• Liquidation
• Connection with the account management systems
• Preparation / order sheets
• Automatic generation with personalization
• Modifications, Legal verification
• Conditions
• Liquidation
• Connection with the account management systems
Monitoring/ToDo
• Tasks that can be assigned to a customer, transaction, or dedicated contact
• Manual creation / custom task
• Automatic creation (e.g., delinquency, account turnover, collateral related / e.g., Savings account integration, expiration monitoring)
• Task creation
• Task execution / involvement of another department (e.g., collections)
• Tasks that can be assigned to a customer, transaction, or dedicated contact
• Manual creation / custom task
• Automatic creation (e.g., delinquency, account turnover, collateral related / e.g., Savings account integration, expiration monitoring)
• Task creation
• Task execution / involvement of another department (e.g., collections)
Reports
• Cycle time measurement (per module, per process step, TTY, TTC)
• Analysis of suspensions
• Reports related to customers, deals
• Trends, comparison (monthly, annual, YTD, etc.)
• Cycle time measurement (per module, per process step, TTY, TTC)
• Analysis of suspensions
• Reports related to customers, deals
• Trends, comparison (monthly, annual, YTD, etc.)
Future proof, modern technologies:
• OnPremise / Cloud (AWS, Azure) running• Java cluster support, multi-server capability, failover support
• Decision engine integration (e.g.: Power Curve)
• WF process control engine (e.g.: Camunda)
• Modern frontend interface, reusable components: Angular/React
• Modern backend technology: NodeJS
• Modular usability
• PostgreSQL EDB (up to 80-90% savings compared to Oracle licenses)
Related products:
Many of our solutions can be linked to our corporate lending system, e.g.• Document generator
• Central retrieval module
• KAVOSZ