Collateral Management

ApPello Collateral Management System is our flagship product, having achieved numerous installations at top 10 banks in the C&EE region. Our clients achieved significant reduction in collateral processing cost, in IT maintenance cost and savings in capital requirement. The system has 12 years of development history in 4 major versions, incorporating key learnings and experience of our customers.

workflow based collateral management

Our collateral solution guides the user through the business process. Solution opens customized screens based on user profile, controls data quality and consistency, sends e-mail notifications or pop-up warnings.

Visualized Collateral Structures for Additional Sales Potential

The system visualizes collateral structures and allocation results on customer level. This graphic appearance also helps execute new releases, replacement of a collateral or adding new loan. All client interaction can be monitored from the front office, which helps recognize extra needs above the existing collaterals.

Screen design

WebDP has customizable, modifiable screens combined with variable display features. Fields are intelligent and customizable, addition of new fields possible with simple drag&drop technic, the display location of new fields also can be set in a couple clicks. Validation and flexible error handling is available by the screen design.

Rule editor

WebDP operates with an integrated graphical editor (decision tables) for simple rules, in case of more complex rules can be set with a user friendly code editor (MVEL). Calculations, validations, decision points and user rights are also rule based in the system.

Process engine

WebDP contains a fully parameterized business data lifecycle manager where the simple processes can be defined. To support complex processes, WebDP can be connected to an external workflow engine. The KPI reports provided by the workflow engine can serve as basis of further process optimization intentions. The flexible connection between state machine and work flow engine ensures that processes are inserted into the system can be deployed with only one click.

Intelligent Allocation

The allocation (with a built-in methodology) sets priority of exposures based on risk indicators (primarily PD and LGD), while priority of collateral asset depends on its liquidity. Optimization is possible for provision and/or capital as well. The allocation runs with refreshed exposure risk values and revaluated collateral asset values at the end of every day for the whole portfolio. The algorithm can be started on-the-fly.

Mobile application supported valuation module

Collateral Management System has an integrated Real Estate Evaluator module. The module contains a calculation engine which automatically calculates the real estate value using multiple methodologies. The Solution is also available on desktop and on mobile devices, and therefore provides access to digital content for internal and external users, agents and or appraisal companies.

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