Commercial Loan Process

Overview

Commercial Loan Process solution enables swift and seamless management of various loan types, including Commercial and Industrial Loans, Commercial Real Estate Loans, Small Business Administration Loans, Agriculture, Leasing, and more. From prospecting to servicing, it electronically handles every stage, facilitating document capture, digitization, origination, approval, closing, funding, and servicing. With a workflow-driven environment and a robust built-in document management system, it ensures paperless processing of credit applications, enhancing efficiency and accuracy throughout the loan lifecycle.

Key Features

• Prospecting and Lead Generation – Efficient lead management and handling of cross and up-sell opportunities
• Credit Application Management – Seamless onboarding with several configurable templates for customer and product specific data capture
• Credit Analysis and Underwriting – Comprehensive credit assessment tools that take into account financial information, ratio analysis, account conduct and pricing
• 360 Risk Management – Complete due diligence through peer group analysis, trade checks, real-time pipeline view, automated rules & standardized processes
• SWOT Analysis – Comprehensive evaluation of a deal through a detailed analysis of various internal/external ratings
• Document Management – Generate loan package with commercial loan documents and security instruments in pre-defined bank/ credit union specific templates
• Collateral Management – Unified workflow around releasing, updating, valuing and moving collaterals and other linked processes
• Collections and Provisioning – Efficient management of delinquent accounts and linked accounts through incessant follow-ups and history logs
• Portfolio Management – Profitable risk portfolio management through covenant monitoring, account conduct, review/renewals and diversification
• Credit Risk Reporting – Configurable functional, operational and investigative reports & dashboards
• Servicing and Restructuring – Facilitates asset management, branch/trade referrals, partial settlements, credit extensions and foreclosures