Loan Origination
ApPello Loan Origination System supports the whole loan process from customer loan application to disbursement. Solution offers a seamless digital journey for customers and allows quick time-to-yes.
Loan Origination process is highly flexible and hence able to comply with various needs of Large corporate, SME, Retail, Specialized lending and Consumer finance segments.
The Solution is built on ApPello Digital Platform, which provides the flexibility for creating new or maintain existing loan origination workflows. As part of the implementation: business flows, screens and print-outs are tailored according to the needs.
Key Features
  • workflow support for client segments/product types
  • Integrated self-service portal
  • Short time to market with new products
  • Wide set of key performance indicators

1 RETAIL - UNSECURED LOANS

Retail loans, which demand quick time-to decisions and time-to disbursements, can be easily handled in the ApPello Loan Origination System which has a strong monitoring part to report the process efficiency and the resource usage. Users are guided through the process steps and thanks to the built-in rule engine, credit policies and business rules can be freely adjusted to the actual business requirements.

 

The main benefits are:

  • Comes along with an integrated Workflow engine to ensure quick time-to-decision and time to disbursement
  • Monitors and reports on process efficiency and on resource usage
  • Users are guided through the process steps in an intuitive way
  • Built-in rule engine enables the Bank to adjust credit policies and business rules

2 MORTGAGE

ApPello Mortgage Loan Origination helps to build seamless processes with outstanding borrower experience. The Front-end portal handles the client and the Bank communication real time it makes the whole origination process smoother and faster. The sales process is supported by “ApPello Lending Helper” which makes a bridge between the Bank’s portal and the Client.

 

ApPello Mortgage Loan Origination allows you to:

  • acquire more customers with the help of various customer engagement tools (Lending Helper, Self-service portal,)
  • tailor-made loan application process: you can customize, in what steps what data is needed, who can execute which step, and differentiate among the access rights for different user groups
  • calculate with less churn, as users are guided through the process steps in an intuitive way by our workflow engine
  • execute faster valuation, as it can be requested at the loan application
  • Be safe: Agent/Valuators can access the system with different access rights
  • Integrations with CreditBuero, Cadaster, etc, GeoLocation feature and GeoStatistics help to reduce fraud risk

3 CORPORATE LOANS

The system can support the whole process of corporate loans. There are user-friendly features to help manage economically interlinked clients, complex product and collateral structures or credit limits. With the help of the process manager tools recurring and parallel processes can be managed for multiple users working on the same credit application at the same time.

 

ApPello Corporate Loan Origination:

  • enables iterative processes of multiple departments involved
  • features to manage economically interlinked clients
  • supports complex product and collateral structures, or credit limits
  • simplifies covenant management and monitoring

4 CONSUMER FINANCE

Take it as you need it – and pay it later. For some parts of the Credit business Clients don’t even meet you but their favourite vendors/webshops.
Consumer finance is a standout performer in the European financial services sector, Average annual shareholder returns are higher than those of traditional retail banking.
Creating a fast, simple and convenient loan process for consumer finance has become a must for financial institutions.

 

ApPello Consumer Finance Loan Origination is a unique solution which helps you to:

  • win market share in new channels
  • adapt to a rapid-changing environment and high diversity with configurable frontend and configurable workflow tools
  • reduce fraud risk with the help of various integration
  • manage merchants and point of sales effectively and easily calculate commission
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