Loan Origination software by COMARCH

DOCUMENT GENERATION MODULE

Configure new document templates or easily adjust the existing ones. Quickly add new legal clauses or other paragraphs; you can make their visibility dependent on specific loan conditions. Completed printouts are generated in MS Word or PDF format. Document checklists for the customer are generated automatically.

DOCUMENT MANAGEMENT MODULE

Attach digitalized documents to dedicated placeholders on the checklist and link those documents to a specific customer or loan applications. All attached documents are archived in the repository and can be searched and viewed by authorized users.

SCORING MODULE

Design and implement strategies for the assessment of loan applications and credit risk related to a credit decision, and, in a wider scope, to the total debtor base. The use of the scoring module results in lower credit risk and improves the quality of the entire debt portfolio. Calculations can be based on quantitative and qualitative data coming from loan origination system and / or other systems.

FINANCIAL SPREADING MODULE

Collect and analyze financial data using a predefined set of financial statement templates. The data can be captured from other systems and xls files or filled manually. Calculated financial ratios ensure better knowledge on your customer’s financial standing and result in more efficient credit risk management.

COLLATERAL MODULE

Define and register collaterals in credit processes and synchronize them with master collaterals database. This includes debt securing assets, it’s legal form, and valuation. Collateral once registered in the system can be used many times within other processes for the same customer.

COMPANY RELATIONS MODULE

Define customer’s organizational structure, economic, personal and ownership connections. Keep the information in one place, nicely presented in graphical form. Make it easier to identify and keep track of the ultimate beneficiary owner.

COVENANT MODULE

Simplify covenant management with proper covenants added automatically to loan agreements based on loan type, credit amount, or risk rate. Covenants are stored in the system and centrally managed. If needed, you can adjust covenants within a predefined range – the system will guide you on which adjustments you can make.

PROCESS MANAGEMENT MODULE

Intuitive graphic editor that allows you to configure lending processes with no need for expert IT knowledge. A short training will be enough to start using the tool. You can assign process tasks to users/roles, define timeouts for specific tasks, or validate the correctness of the process.

SCREEN MANAGEMENT MODULE

Manage user input forms: define questions and answers, assign default answers or add descriptions to question (tips). You can also configure checklist of documents required from customers.

INTEGRATION MANAGEMENT MODULE

Easily integrate the Comarch Loan Origination system with other existing internal or external systems and databases. You can configure webservices using graphical, intuitive editor which makes it possible for non-technical users to carry out tasks that otherwise would need to be performed by programmers.

BUSINESS CONFIGURATION MODULE

Define parameters that are frequently changed, such as origination fee, and allow authorized business users to make modifications. Validations and warning texts can also be easily customized, with multilanguage configuration available.

USER MANAGEMENT MODULE

Manage user access rights including:

• user account setup
• user authentication and authorization
• security policy management and security breach notifications
• user absence management
• easy integration with LDAP, AD
• SSO support