Corporate & SME
Loan Origination System
Fast and thorough processing and investigating loan applications and applicants is necessary, but it can be difficult to accomplish without tools designed for this purpose and the measurement of the effectiveness of the process.
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Product Details
ApPello Corporate & SME Loan Origination is an end-to-end solution enhanced by user-friendly features designed for seamless corporate lending: it can easily handle any complex product and company structures.
As corporate loan origination is generally an extended process that needs involvement of multiple departments, it is crucial for efficiency that recurring and parallel processes can be handled with the help of process management tools.
Benefits
Improved sales effectiveness with omnichannel capabilities and advanced customer experience
Cost reduction with optimised processes, flexible toolset, changable rules, screens, dataset workflow
Shorten origination processes through the use of automation, document management and integrations
Risk decrease with implemented Decision Engine
Monitoring and reporting tools ensure process efficiency for lower operational and credit risk
Prompt reaction to market needs with easy configuration and easy to adjust credit policies & business rules
End-to-End support of
Corporate and SME Loan Origination
The ApPello Loan Origination System covers the lending process from the first interaction with prospects to disbursement and the whole credit lifecycle (including waivers, prolongation, restructuring, termination and monitoring) is supported by standard Camunda BPM within ApPello’s platform.
This solution unifies loan origination, credit workflow processes and any related loan and collateral administration. The modular solution has successfully been implemented in complex banking environments.
The application includes the full lending and pricing workflow with different front-ends for different application purposes.
Client Acquisition
- Credential and contact information management
Loan Application
- Online loan application and self-service portal
- Pre-screening
- Loan purpose identification
- Product selection
- Documents upload
Origination
- Indicative offer to client
- Cross-sell (multiple loan agreement)
- Covenant management
- Initial repayment plan
Scoring / Rating
- PD, Rating, LGD, Limit, Pricing calculation
- Risk-based pricing
- AML, Fraud, Credit bureau, TAX database
- AI, Machine learning
- Credit limit calculation
Underwriting
- Risk assesment (policies, limits, triggers)
- Final scoring / rating
- Decision administration
- Decision monitoring
- Overrule, escalation processes
- Contra-offer (incl. upsale)
Contracting
- Check conditions
- Document checklist
- Contract generation
- Signature process
Disbursement
- Check disbursement conditions
- Record disbursement in core system
Early warning and Monitoring
- Disbursement monitoring
- Early Warning Signals
- Covenant monitoring
After care
- Waivers
- Prolongation
- Restructuring
- Termination
Supported
Loans
ApPello Digital Loan Origination System can handle:
- Business loans
- Investment loans
- Overdrafts
- Revolving loans
- Short-term loans
- Credit cards
- Operating loans
- Loans for purchase (interest or share)
- Refinancing loans
Improved sales effectiveness
and customer satisfaction
The ApPello Loan Origination System contains integrated front- and back-office functionalities. It can accelerate the credit application process with a seamless customer experience. The focus of development was to reduce the time-to-decision for in-house users and the time-to-money for bank clients.
Decision
Engine
The Decision Engine is seamlessly integrated through its APIs to the Loan Origination System.
The engine can work for pre-screening, classical scoring, rating, limit calculation and any additional decision points. It is capable to handle an unlimited number of different decision logics, which can differ by customer segment (including sub-segments), product, product variant, etc. The models can be different by product or client sub-segments.
Business rules and decision logic with graphical visualisation can be built and customised by the Bank’s employees with relevant roles, even without deep IT knowledge.
Financial statement
Analyser
Financial Statement Analyser supports the key process of credit risk management by offering a broad feature set for centrally collecting and analysing financial statement data for various accounting standards, such as IFRS, local GAAPs, etc.
The Financial Statement Analyser is a separate tool which is seamlessly integrated to the Loan Origination System. The tool can handle:
Financial ratio and cash flow calculation
- Convert different accounting standards into a comparable one
- Project future periods
Transparent and smooth
customer journey
ApPello LOS is delivered with a self-service portal, which provides superior customer experience with its modern and easy-to-use functions. The portal not only cuts the Bank’s cost, but also helps the Bank to attract new customers as well as retain existing clients by providing excellent customer experience and self-service. Customers can communicate to the Bank: upload necessary documents, checking the loan status filtered on the segment of the client. The available loan purpose are maintained in the loan origination backend.
Managing
Collaterals
For the loan origination process it is necessary to know all existing loans and the collaterals of the client. The System allows the entry of the obligations and collateral data from the screen, as well as the importing of these data via standard APIs. Any supplementary data may also be entered for the selected collateral.
Managing
Covenants
Different (financial/non-financial) conditions are handled by the system. Covenants can be connected to loans, partners and workflows while every covenant belongs to a covenant type.
Based on the covenant definitions the system automatically generates the proper covenants for the loan origination process. However the users with proper roles can also add unique covenants during the process.
Documents &
Contracts
The solution is integrated to a document management module for both generating and storing documents.
It handles any type of contracts. The contracts are generated automatically, it collects all relevant information to fill in every detail. Technically it is generated with the help of MS Word templates with macros.
Document management tools help to generate various documents based on templates and then auto-fills them with all relevant and available data in the system. This is a highly useful and time-saving tool in the loan origination process, used for preparing all of the paperwork needed in the process (loan proposals, contracts, notifications, statements, etc.). Digital signature supports the verification of contracts and agreements.
Built-in Excel spreadsheet
for efficient operations
ApPello provides unique feature of built-in excel component to help the work of the User, such as editing Excel forms in offline mode and create templates. If calculation logic is maintained in an Excel sheet, users doesn’t have to perform the calculations in an excel, and then fill the result in the system manually. With the help of integrated excel spreadsheets, calculation can be done in the system directly, therefore making it easier to calculate and maintain business calculations. Apart from business calculations the system’s business parameters can also be managed using excel.
Corporate risk management
with group of connected clients
Usually in corporate segment it is not uncommon that processing of an application requires scoring the risk group of the client and evaluating the existing and proposed exposure levels for this group. This kind of groups of connected clients (GCC) can be handled at group. Enabling financial institutions to handle such complexities related to SME & Corporate lending.
Configuration
over customization
ApPello Loan Origination System allows power users to flexibly manage and customize all lending related workflows for their full lifecycle. Any number of workflow types can be defined using the inbuilt editor interfaces. Different workflows can be created using different workflow steps by bank users without ApPello or IT team. The precondition and doneness criteria for all these workflows are also easily parameterizable. Depending on the actual parameters parallel tasks can be defined with the same or different assignees that can be performed in any given order.
Other Configuration opportunities:
- Screen design
- Dynamic fields
- Additional business rules
100% API covered solution:
- All business feature
- Data manipulation
Business
Configuration
Apart from business calculations the system’s business parameters can also be managed using excel. System provides Excel import functions (10+) to maintain standard parameter rulesets in excel that can be audited and verified.
Most frequently used catalogues are as below:
- Product catalogue
- Collateral catalogue
- Covenant catalogue
- Document type catalogue
- Workflow step catalogue
Additional
Features
Customizable dashboards, 360 Degree client- & history-overview supports decision making by displaying the most relevant information at a glance. As emails play an important role in SME and corporate lending process, ApPello offers an MS Outlook plugin. With this you can save your emails, and their attachment directly to clients, loans, or workflows with one click straight from your email client.
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