No matter if you are just starting your lending business or are already an established loan provider, ApPello’s Digital Loan Management system gives you an effective toolset to serve your bank’s clients of every size, from retail to large corporate.
Enhancing your product portfolio has never been so easy – you can easily configure a new product, run the necessary tests and enjoy the benefits of launching new products in days over months. This innovative, flexible and unified set of tools will help your organisation face the current and future challenges of the banking world.
Advanced users can define and maintain workflows, configure business rules, screens, and modify page layouts themselves. The Digital Loan Management platform implements a comprehensive credit product administration, offers fee handling, easy document generation and native integration to ApPello’s Digital Collateral Management System to make your lending business as smooth and seamless as never before.
ApPello offers its Digital Loan Management primarily as SaaS and as on premises solutions upon request. The solution is cloud agnostic and can leverage AWS, Azure or Google Cloud Platform’s native technologies.
Flexible loan management across Retail, SME and Corporate
From Cash loans through revolving lines to mortgages for retail
Covers all necessary core lending processes
Extendible with ApPello Systems or other any 3rd parties
360 degree overview and monitoring
Delivered on-premise or as SAAS
Digital front-end with excellent user experience
Scalable solution to grow fromsmall to large client base
Modular solution via microservices
Loan management, origination decision engine... within one suite
Short time-to-market due to flexible product configuration
Omnichannel Approach
About to start your lending business and looking for a comprehensive solution for covering all steps of the lending process or seeking to overhaul your current business? ApPello’s LMS can be bundled together with any digital lending modules. Our Digital Customer Portal includes onboarding functionality that helps you to acquire new customers and serve them in the digital space, while the Loan Origination Solution drives the process behind this. All processes on the portal are linked to the back-end without any frictions. All data traffic is automatic and seamless, as your front-end and back-end are on the same platform. Our Decision Engine and sophisticated system for Collateral Management help with reducing your credit risk, while ApPello’s Collection module supports your collection-related processes in both early and late stages.
The ApPello Digital Loan Management System automates the loan account maintenance processes of the bank from disbursement through to termination of the loan. The application provides a comprehensive solution for the bank’s administrative tasks, managing all the transactions related to the maintained loans. The application supports retail and corporate credit processes during a loan’s whole life-cycle (with or without the workflow engine implementation) and constitutes a comprehensive credit product administration.
ApPello Collateral Management System can support:
ApPello Collateral Management System can support:
The system can handle all types of events and transactions that are related to the loan lifecycle. It helps with creating and validating loan transactions with four-eye principle, automates loan disbursement, can effectively handle early repayment or rescheduling, expiry, termination. These events are supported by day-based calculation of interest, fees, fee handling, notification generation, automatic collection at due date for your effective operation and highest convenience.
Repayment schedule generation is always a very complex job. The system has built in very flexible repayment structure generation, that incorporates annuity and other type of repayment calculations. It solves various problems, like:
Besides the flexible fee generation the system helps you to add fees to any event that happens during the lifecycle of the loan. The fees are:
Within the system, there is an advanced, template-based Advice and Report generation tool that can be easily customised. The templates, in terms of advice, report and document generation, are defined in the most widespread formats: The advice templates are in MS Word.
The reports can be generated by the same template-based tool or back office users can export what they see on their own user interface in XLS or PDF. The system can store and retrieve all generated documents. Full integration with the client’s main document management tool is also possible.
If you serve corporate segment mainly, you can utilise the Facilities / Limits which are optionally linked to the lo the grouped loans. It helps you to aggregate outstanding or contracted amounts.
If you are eager to sell popular subsidised loans either in retail or SME segment, Appello Digital Loan Management is ready to help you. It can calculate, book and settle subsidised interest separately, it can calculate margin by loans.
If 7/24 working is crucial for your business, we can serve you online lending functionality without „Close of Business”. It is available from 2021 Q1.
Banking customer experience as well as internal operator user experience requires an omnichannel mindset and toolset. We designed our solutions with mobile devices and other corporate channels in mind. This means our solutions are easy to set up with any digital interface. In parallel, improving your staff’s daily routine and workflows, the solution can be set up on the bank’s restricted, verified in-house mobile devices.
You might also be interested in our other lending solutions
is an open and unified core banking solution for optimizing the back-office processes to be more efficient.
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The Digital Lending Platform Specialist
A-1190 Vienna,
Mooslackengasse 17.
Business Center NINETEEN
Phone: +36 1 474 0915
Email: sales@appello.eu
15-17 Povernei street, Sector 1, Bucharest
Email: sales@appello.eu
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