Сredit Processes management | sX-Space.Сredit is a tool that allows to automate the processes of preparation, review and approval of loans, signing contracts by an organization to other legal entities or individuals. The system consists of the processes of generating a loan request, approving and reviewing by services, as well as approving and signing loan and collateral agreements.
The system is intended for financial institutions and companies that ensure their own development through a loan mechanism.
Implementation of the Сredit Processes Management System | sX-Space.Сredit will ensure transparent interaction of the customer’s departments during the work on requests, strengthen the operational discipline, security and reliability of information storage, allow to differentiate access rights, eliminate the risks of loss and increase the efficiency of the loan process organization as a whole.
Functionality:
Automation of the Time to Yes (decision making) stage of the loan process – generating and filling in the loan request, its review and approval by the services
Subsystem for calculation of loan values, solvency and loan ratios
Flexible determination of the business process route based on the loan request data and requested loan conditions
Automated activities of the Loan Committee (optional) - preparing the agenda, requests for consideration, meeting time and reminders, electronic voting subsystem, preparing a decision protocol using templates, printing documents
Automated "Time to Money" (documentary loan formalization) stage of the credit process — universal approval and signing of the loan agreement, pledge and surety agreements, including by means of digital signatures
Subsystem for maintenance of existing terms of loan agreements, monitoring of indicators, terms of collateral audit
Aggregation and visualization of analytical reports by clients, groups of clients, maintaining the borrower's credit history
Setting up the control function in loan request servicing processes
Generating reports on the status of approval of specific documents and regular reporting to managers
Setting up regular reminders for an employee in case of failure to complete a task within the allotted time, with the option of sending a message to his/her manager
Integration with other banking systems and services for organization of the "single client" concept»
Flexible differentiation of access rights depending on the role and position of the employee, structural division, document type, client segment
Centralized storage of information regarding groups of companies, borrowers, loan requests and indicators, loan limits, covenants, collaterals; all information is stored centrally, available to users according to their official powers
Search for documents in the repository by different parameters, ability to export results to MS Excel format
Advantages:
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