Commercial Real Estate (CRE) Lending

Banks can undertake end-to-end automation of the CRE lending process, including campaign and lead management, onboarding, origination, financial spreading, risk assessment and rating, scoring, projections, decisioning, lease management, portfolio monitoring, and more. The solution empowers bank users to easily manage documentation, drawdowns, mortgages, property appraisal, cash flow modeling, and a portal for real estate developers. It’s possible for the bank to seamlessly handle highly structured products like construction finance, lease rental discounting, asset finance, commercial mortgage, real-estate financing, and agency loans, to more customized products, such as bridge loans, warehouse loans, and mezzanine loans.

Features of Commercial Real Estate Lending Solution

Extensive Management Ability

Lead capture, engagement, and case initiation with upsell/cross-sell capability. Structure facility, sub-facility, and tree view of request. Get accurate and auto-data filling through integration with various systems. Ensure due diligence checks through integration with internal and external systems for enhanced compliance. Offer portals and mobile/tablet apps for customers and parties such as agents, valuers, brokers, etc., for request initiation and processing. Support live data capturing, such as geotagging, live location capture, time stamp capture, photo/video capture and upload, and field report submission.

Intelligent Underwriting & Risk Management

Assess individual and non-individual financial statements, cash flows, tax returns, ratio analysis, etc. Extract data using Optical Character Recognition (OCR) and AI/ML-based technologies. Calculate interest reserves, operating and capital budgets, manage liens and waivers, and monthly draw packages. Analyse property, real-estate performance, past/present/future performance, sales transactions, and in-depth market analysis. Define parameters for internal and external risk assessment and scoring. Configure risk parameters such as financial, trends, management, contingency, operational, project, industry risks, etc.

Auto-definitions Feature

Auto-capture standard terms and conditions, applicable fees, pricing, covenants basis facilities and sub-facilities. Customized definition of conditions, terms, pricing, and fee specific to individual facilities. Get facility to request drawdowns as per pre-defined schedule, milestones, or ad-hoc basis. Enable project status appraisal and compliance checks before the release of funds.

Intelligent Credit Adjudication

Optimize workflow creation, automate decision-making, and real-time decision handling based on a defined authority matrix. Classify and process cases for straight-through, non-straight through, or near-straight through for faster disbursements. Get easy calculation, mapping and management of fees, commissions, charges, pricing, and concessions.

Reporting and Dashboards

Create a user-based customized dashboard with live data projection, custom workflow, and form creation. Generate MIS at periodic intervals as per the defined frequency. Upload documents in various formats at any given point or stage of the process. Auto-generate documents based on input data. Define templates such as sanction letters, offer letters, credit memos, agreements, invoices, term sheets, and more.