Corporate & SME
Loan Origination System
Fast and thorough processing, assessment of loan applications and applicants are necessary, which might be difficult to accomplish without tools designed for this purpose and for the measurement of the efficiency of the process.
ApPello Corporate & SME Loan Origination is an end-to-end solution enhanced by user-friendly features designed for seamless corporate lending: it can easily handle any complex product or company structures.
As corporate loan origination is generally an extended process that needs involvement of multiple departments, it is crucial for efficiency that recurring and parallel processes can be handled with the help of process management tools.
Cost reduction with optimised processes, flexible toolset, changeable rules, screens, dataset, workflow
Shorten origination processes through the use of automation, document management and integration
Improved sales effectiveness with omnichannel capabilities and enhanced customer experience
Risk reduction with an implemented Decision Engine
Monitoring and reporting tools ensure process efficiency for lower operational and credit risk
Prompt reaction to market needs with easy configuration and easy to adjust credit policies & business rules
End-to-End support of
Corporate and SME Loan Origination
The ApPello Loan Origination System covers the lending process from the first interaction with prospects to disbursement over the whole credit lifecycle (including monitoring, change and maintenance processes) and is supported by standard Camunda BPMN within ApPello’s platform.
This solution unifies loan origination, credit workflow processes and any related loan and collateral administration. The modular solution has been successfully implemented in complex banking environments.
The application includes the full lending and pricing workflow with different front-ends for different application purposes.
- Credential and contact information management
- Online loan application and self-service portal
- Loan purpose identification
- Product selection
- Documents upload
- Indicative offer to client
- Cross-sell (multiple loan agreement)
- Covenant management
- Initial repayment plan
- PD, Rating, LGD, Limit, Pricing calculation
- Risk-based pricing
- AML, Fraud, Credit bureau, TAX database
- AI, Machine learning
- Credit limit calculation
- Risk assessment (policies, limits, triggers)
- Final scoring / rating
- Decision administration
- Decision monitoring
- Overrule, escalation processes
- Contra-offer (incl. upsale)
- Check conditions
- Document checklist
- Contract generation
- Signature process
- Check disbursement conditions
- Record disbursement in core system
Early warning and Monitoring
- Disbursement monitoring
- Early Warning Signals
- Covenant monitoring
ApPello Digital Loan Origination System can handle:
- Business loans
- Investment loans
- Revolving loans
- Short-term loans
- Credit cards
- Operating loans
- Loans for purchase (interest or share)
- Refinancing loans
Improved sales effectiveness
and customer satisfaction
The ApPello Loan Origination System contains integrated front- and back-office functionalities. It can accelerate the credit application process with a seamless customer experience. The focus of development was to reduce the time-to-decision for in-house users and the time-to-money for bank clients.
The Decision Engine is seamlessly integrated through its APIs to the Loan Origination System.
The engine can work for pre-screening, classical scoring, rating, limit calculation and any additional decision points.
It is capable of handling an unlimited number of different decision logics, which can differ by customer segment (including sub-segments), product, product variant, etc.
The models can be differentiated by product or client sub-segments.
Business rules and decision logic with graphical visualisation can be built and customised by the Bank’s employees with relevant roles, without requiring deep IT knowledge.
Financial Statement Analyser supports the key process of credit risk management by offering a broad feature set for the centralised collection and analysis of financial statement data for various accounting standards, such as IFRS, local GAAPs, etc.
The Financial Statement Analyser is a separate module which is seamlessly integrated to the Loan Origination System, it can handle:
- Financial ratio and cash flow calculation
- Convert different accounting standards into a comparable one
- Projection of future periods
Transparent and smooth
ApPello LOS is delivered with a self-service portal, which provides superior customer experience with its modern and easy-to-use functions. The portal not only cuts the Bank’s costs but also helps the Bank to attract new customers as well as retain existing clients by providing an excellent customer experience. Customers can communicate to the Bank, upload required documents, and check on the loan status. The available loan purposes are maintained in the loan origination backend.
For the loan origination process it is necessary to know all existing loans and collaterals of the client. The System allows the entry of the obligations and collateral data from the screen, as well as the importing of data via standard APIs. Any supplementary data may also be entered for the selected collateral.
Different (financial/non-financial) conditions are handled by the system. Covenants can be connected to loans, partners and workflows while every covenant belongs to a covenant type.
Based on the covenant definitions the system automatically generates the proper covenants for the loan origination process. However the relevant users can also add unique covenants during the process.
The solution is integrated to a document management module for both generating and storing documents.
It handles any type of contracts. The contract are generated automatically, and all relevant information is collected to fill in every detail. Technically it is generated with the help of MS Word templates with macros.
Document management tools help to generate various documents based on templates and then auto-fill them with all relevant and available data in the system. This is a highly useful and time-saving tool in the loan origination process, used for preparing all of the paperwork needed in the process (loan proposals, contracts, notifications, statements, etc.). Digital signature supports the verification of contracts and agreements.
Corporate risk management
with groups of connected clients
Usually in the corporate sector it is not uncommon that the processing of an application requires scoring the risk group of the client and then evaluating the existing and proposed exposure levels for this group. Groups of connected clients (GCC) can be handled at group level enabling financial institutions to handle such complexities related to SME & Corporate lending.
ApPello Loan Origination System allows power users to flexibly manage and customize all lending related workflows for their full lifecycle. Any number of workflow types can be defined using the inbuilt editor interfaces. Different workflows can be created using different workflow steps by bank users without the assistance of ApPello or an IT team.
The precondition and completion criteria for all these workflows can also be easily parameterised. Depending on the actual parameters parallel tasks can be defined with the same or different assignees that can be performed in any given order.
Apart from business calculations the system’s business parameters can also be managed using Excel.
System provides Excel import functions (10+) to maintain standard parameter rulesets in Excel that can be audited and verified.
Most frequently used catalogues are as below:
- Product catalogue
- Collateral catalogue
- Covenant catalogue
- Document type catalogue
- Workflow step catalogue
Customizable dashboards, 360 Degree client- & history-overview supports decision making by displaying the most relevant information at a glance. As emails play an important role in the SME and corporate lending process, ApPello offers an MS Outlook plugin. Any received emails can be saved with their attachments and allocated directly to clients, loans, or workflows with one click.
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