Appello Loan Origination System provides the flexibility for creating new loan origination workflows for different client segments. Products or product variations can be edited on screen, workflow and business rules can be configured with a drag&drop editor.
ApPello Loan Origination System covers the whole process from the first client contact through the process steps of managing proposal, rating & scoring, underwriting and contracting until disbursement. Our Solution is built to be integrated with people, data and with systems. ApPello supports pre-defined business rules, such as pre-screening, automatic scoring, collateral eligibility, or disbursement conditions.
ApPello Loan Origination system not only provides solution handling for simple credit applications but can support the whole process of the non standardized corporate loans. There are user friendly features to manage economically interlinked clients, complex product and collateral structures, or credit limits. With the help of the process manager tools iterative and paralell processes can be managed for multiple users working on the same credit application at the same time.
ApPello Loan origination system provides the feature which can provide the quick time-to decision and time-to disbursement. The application provides a strong monitoring part to report the process efficency and the resource usage. Users are guided through the process steps and thanks to the built-in rule engine, credit policies and business rules can be freely adjusted to the actual business requirements.
The WebDP platform provides an integrated Document Management System that can generate template-based documents needed throughout the process, including client information sheets, proposal documentation, decision documentation, contracts etc.
The system has a Flexibility Toolset that enables to create and change business logic, including new data fields, screens, workflows, business rules and reports by configuration,. This provides significantly reduced time-to-market for any new or modified product or process.
Due to easily parameterizable screens and processes, it is possible to create a user interface for external parties such as agents or dealers. System unites parties within and beyond the organizational boundaries enabling a de-centralized content management, by which information is always up-to-date. Solution is secure and complies with the standard IT security requirements.
The central element of the system is the workflow engine that makes the Loan Origination process faster and transparent. There is a built-in task allocation function that supports the management of holidays, substitutions within a workgroup.
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