Commercial Lending Software | Commercial Loan Origination System (CLOS)

Commercial Loan Origination Software

Originate, process, disburse, and monitor commercial loans with our commercial loan origination software, built on a unified digital platform. Gain better insights into your high-profile accounts to enhance profitability and underwrite loans competitively. Leverage online, self-service portals for various stakeholders, including borrowers, brokers, appraisers, and more, to ensure seamless communication and request fulfillment. Achieve a faster go-to-market and stay on top of regulatory requirements, all while empowering your relationship managers with the tools to deliver an unparalleled customer experience.

Provisions for All Loan Types

Automated segregation of loans based on loan value, loan type, and exposure
Separate application, underwriting, risk rating, and approval workflow based on loan type

Portfolio Monitoring and Analysis

Portfolio monitoring and automated tracking and retrieval of collaterals and covenants
Automated validations, and customer alerts through the borrower portal, related to missing data and documents

Intelligent Underwriting and Risk Rating

Underwriting module to adopt bank-specific spreading requirements, featuring templates for C&I and CRE
Advanced analysis on global cash flows, global DSCR, discounted cash flows, property analysis, and stress testing
Configurable loan presentation with pick-and-choose sections, spreads, and narrative
Rule-based, configurable risk rating module and workflow-based exception management and tracking

Management of Leads and Customer Relationships

Integrated CRM module to manage and review customer relationships
Lead management capabilities, including lead creation, activity scheduling, reminders, and pipeline management
Seamless flow of lead data and documents into loan origination system

Integrated Loan Closing

Tight integration with industry standard document preparation engines for generating loan packages
Automated requests to attorneys for document generation and coordination through attorney portal
Integration with multiple third-party systems, including CRM, credit bureau, property appraisal services, OFAC, title searches, lien searches, document preparation engine, pricing engine, CECL, and HMDA compliance

Rapid Loan Origination and Renewal

Instant loan booking with seamless two-way integration into the core banking system

Fast-tracked loan review and renewal process with auto-data population and exception-based approvals

360-degree Visibility

Dashboards to generate operational, productivity, and investigative reports
Personalized dashboards based on users’ profile
Real-time alerts on critical business events, including non-compliance and delinquent loans

Solutions for Lending

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