Commercial and Industrial (C&I) Lending

Fast-track commercial and industrial lending process by seamlessly initiating, processing, and disbursing loans while ensuring robust monitoring and compliance. By leveraging the C&I loan origination software, built on a low code digital transformation platform, banks can deliver a superior customer experience. The solution guarantees enhanced customer identification and lead management, omnichannel onboarding, intelligent underwriting, comprehensive portfolio monitoring, and robust risk management capabilities.

Features of Commercial and Industrial Lending

Omnichannel Onboarding

On-the-go request initiation and processing through self-service portals or mobile applications for customers, agents, and other users. Pre-built digital journeys for existing and new customers with real-time tracking of applications. Option to easily upload documents such as bank statements and integration with account aggregator/open banking for processing of applications.

Accurate Information Capture

Integration with third-party sources for e-KYC, information validation, and pulling data for non-individual entities, including limited, public limited, LLPs/LLCs, tax return data, AML, dedupe, and credit bureaus. Accurate and in-depth information capture with ease of access and reduced manual intervention. Offer 360-degree view of all application-related entities and exposure at the group level.

Intelligent Underwriting and Risk Management

Get extensive underwriting module to assess financial statements, tax returns, and ratio analysis. Ensure OCR and AI/ML-based data extraction from financial statements. Working capital computation, assessment of account receivables and inventory, and use of Borrowing Base Certificate (BBC). Achieve rule-based risk management module for enhanced risk assessment, and risk-based pricing and rating through third-party integrations powered by APIs.

Loan Portfolio Monitoring

Comprehensive loan portfolio monitoring for enhanced governance, risk management, and control. Review and renewal of loans according to the pre-defined frequency. Support for multiple tranche disbursement. Track and monitor conditions before disbursement and post-funding. Get effective campaign and lead management for engaging with customers and generating upsell/cross-sell opportunities.

Document Management and Automated Decisioning

Pre-existing templates for credit memorandums, offer letters, promissory notes, security and loan agreements, and term sheets. Support document checklist and easy upload. Enable rule-based application processing. Get approvals with real-time credit decisions based on an approval matrix.

Support for All Types of C&I Loans

Wide coverage of products, including Working capital, Term loan, Letters of Credit, Bridge/Bullet Loan, Capex LC, Bank guarantee, etc. Handle multiple loans, limit- sublimit structure in single application. Effectively manage pricing, concessions, customized repayments, fees, and charges. Support a range of collaterals like stocks, book debts/account receivables, plant & machinery, etc.