Corporate/SME
Loan Origination
Corporate/SME
Loan Origination

Corporate & SME
Loan Origination System

ApPello presents its industry leading Loan Origination System for Corporate and SME loans.


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.

Discover
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.

Capabilities &
Benefits

Supports the whole credit lifecycle: origination, waivers, prolongation, restructuring, termination monitoring

Connecting rating / decision engine and pricing engine & raroc calculation capabilities

Omnichannel approach – digital communication with the customers

Document managemenet with template management

Performance management – monitoring and reporting tools

Integrated financial statement analyser

Short time-to market with easy configuration

Easy to adjust credit policies & business rules

Risk decrease with implemented Decision Engine

Low TCO by easy configuration

Reduces administrative paperwork by automated document generation

Quick overview - professional reports for all management levels

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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 embedded 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.

End-to-End support of
the whole Retail Loan process

ClientRegistration

Client
Registration

Subscription

  • Register client in CRM
  • Sign up/ Sign out
  • Login & Password management
ProductSelection

Product
Selection

Loan Application

  • Loan purpose identification
  • Product selection
  • Informing clients
  • Documents
Rating

Rating,
Pricing,
Investigation

Risk Mid-Office

  • Rating, LGD, Limit, Pricing calculation
  • Profitability
  • Investigation: negative Credit Bureau
Proposal_1

Proposal

Indicative Offer

  • Indicative offer to client
  • Conditions
  • Covenants
  • Initial repayment plan
Approval

Approval

Signing

  • Final scoring
  • Calculate decision level
  • Decision administration
Contracting

Contract

Contracting

  • Check conditions
  • Contract generation
  • Signature process
Disbursement

Disbursement

Disbusrement

  • Check disbursement conditions
  • Record disbursement in core system
Monitoring

Monitoring

Early Warning & Monitoring

  • Disbursement monitoring
  • Early Warning (optional)
AfterCare

After care

After care

  • Waivers
  • Prolongation
  • Restructuring
  • Termination

Unsecured LOS
Functionality

ApPello Digital Loan Origination System is supported by the following critical components to support the end to end loan processing:

  • Loan application management
  • Pre-screening of applications
  • Collateral management
  • Covenant management
  • Document management
  • Financial Statement analysis
  • Non-financial analysis
  • Dynamic questionnaires, scorecards
  • Basel II indicators and risk based pricing

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.

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.

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:

  • Automatic financial ratio and cash flow calculation
  • Convert different accounting standards into a comparable one
  • Project future periods and generate different financial analysis reports

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. New customers can use the public customer portal to calculate the rates and repayment conditions available to them. Customer can choose a loan purpose, already filtered on the segment of the client. The available loan purposes 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
Covenenats

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.

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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Products

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Speed up and automate your decisions! It is a segment and product-independent solution that can handle various business-related decisions in a centralised platform, even the complex ones.

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