Loan
Management

Loan
Management

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.

Discover
Product Details

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.

Capabilities &
Benefits

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

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Digital lending for a
seamless E2E process

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.

Loan management
capabilities

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.

Supported
Retail products

ApPello Collateral Management System can support:

  • Personal loans
  • Cash loans
  • PoS loans
  • Payday loans
  • Bullet loans
  • Credit lines
  • Revolving loan
  • Mortgages
  • Lombard loans
  • Subsidised loans

Supported
SME & Corporate products

ApPello Collateral Management System can support:

  • Corporate loans
  • Revolving credits
  • Overdrafts
  • Working capital loans
  • Project financing loans
  • Asset backed credit
  • Auto financing credit

All-round
event handling

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.

  • 40+ event types for different use-cases in the system
  • Regular and ad-hoc instalments supported by prepared and executed repayments
  • Loan lifecycle events controlled with automatic execution or manual approval based on four-eyes principle

Manage
product catalogues

Product and properties can be identified in the product catalogue. The product definition specifies exactly which parameters of a particular transaction type are fixed, which parameters can be varied in which range. You can freely set up its own product structure and going to market with a new product or idea has never been easier before.

  • Quick product definition
  • Fix or default value conditions for all features
  • Various repayment methods
  • Accounting settings according to the policy
  • Field descriptors for all screens

Flexible
repayment structure

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:

  • Handle repayment terms and deadlines
  • Support interest and regular fee amounts in the instalment
  • Use interest change dates in the calculation
  • Grace period handling
  • Respects minimum and maximum amount

Comission &
Fee handling

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:

  • Flexible fee and commission definition by product type, transaction type and client segment
  • Various fee calculation methods: fix or percentage combination

Manage
documents

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.

Business
amenities

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.

Omnichannel
approach

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.

Related
Products

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.

is able to cover the whole loan process from the first customer request until the disbursement and also offers a perfect solution in case of Retail (including mortgage, unsecured and consumer finance) or non-retail (Corporate and SME) segments.
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Download
the Brochure

Please fill in the following form and you will be able to download or read the brochure in your browser.