Empowering Customer On-boarding And
Assessment With Utmost Precision
Assess Customers, Engage, Decide & Prioritize Loan Lending
SmartLender Pre-Qualification platform enables Banks and Financial Institutions to originate and manage their loans in an operationally efficient, easy, state-of-the-art, and intuitive manner through pre qualification assessment and helps them easily measure and manage customer relationships.
Enabling Mission Critical Decisioning For Loan Lending
Catalysts Of Smart Pre-Qualification
- Ability to supply all essential customer details, either by establishing a new record or sourcing data from the Core Banking system, in order to keep the system up to date and allow users to change information as needed
- Customer demographic information is synchronised with host systems to ensure that all information is up to date
KYC Assessment – Customer Screening / Customer Due Diligence
- Automated assessment of the Customer’s related risk level and cost-effective fulfilment of KYC objectives
- Determine the customer’s reasonableness by integrating with a credit bureau system to get consumer information on which to make lending choices.
Customer Eligibility and Limits Checking
- Provide a series of checklists to assist banks in analysing and understanding the customer’s eligibility for the loan request based on specified criteria
- Check the availability of Limits in the Limit Management System to see if the Limit has been reached or if there is still opportunity to use it.
C2C Relationship & Group Management – One Obligor View (OOE)
- Single screen view of exposure for entire customer group
- Real-time aggregation of Facilities and rates offered, Collateral allocation and charges, Guarantee/guarantor relationships, Outstanding amounts
- Ability to connect customers to one another based on any kind of relationship be it shareholders, subsidiaries or holdings.
- Diagrammatically view the Customer groups, entities and their relationships through an intuitive obligor chart to view an aggregation of the Exposures for the entire customer group.
Conduct of Account & Early Warning
- Analysis of the Customer’s statements helping to determine the approach of the company around loan history, paybacks, Limit utilization, relationships, etc. for the past few years helping in decision making
- Series of checks based on Financial Ratios and performance criteria helping Banks understand any untoward situation for customers helping them decide the course of action for existing or new deals
- Ability to configure alerts for users in case of any Early warning signals
Pre-Scoring & Credit Risk Rating
- Evaluate the potential risk posed by lending money to Customers and to mitigate losses due to bad debt
- Provides the capability to define different credit rating models based on financial ratios, conduct of account, and management and industry-related criteria
Rich UX & Intuitive UI
Smart Lender Commercial Pre-Qualification Benefits
Better customer insights
Protection for business from encountering unnecessary risks
A Centralized repository for managing and maintaining customer demographics and relationships
Customized template to understand customer interests
Easy integration with host systems
Digital, intuitive and portable