Loan Origination and Management System
The ultimate lending experience
fast, secure, intuitive
Deliver frictionless loan services to your customers
Inquiry and lead management
LOS simplifies the lead inquiry approach and enables easy tracking and communication. It also streamlines the selection of eligible leads for further processing.
Digital application processing
The system allows users to apply for loans digitally, be it personal loans, mortgages, or business financing. For lenders, it reduces administrative burden and manual paperwork, minimizes error, and accelerates loan decisions
Integration capabilities
The loan origination system integrates with external systems and data sources, such as credit bureaus and core banking systems. It also works with third-party tools to enhance data accessibility and process efficiency.
Decision-based engine
It deploys advanced technologies to evaluate loan eligibility, risk profiles, category, amount, interest rate, and task management. LOS can also leverage borrower profiles and set up loan terms to enable informed decisions.
Document management
LOS organizes and stores loan applications, verifications, identity documents, and supporting documents digitally as per regulatory requirements. The system auto-generates contracts and agreements and facilitates frictionless document retrieval and review.
Loan disbursement
LMS ensures efficient and transparent loan disbursement to borrowers, with loan status tracked in real time.
Loan servicing and management
It tracks the portfolio, loan performance, and repayments and identifies potential issues with late payments.
Collection management
The system automates collection management, including setting reminders for overdue payments and managing delinquent accounts.
Risk management
The system provides a customized dashboard for each applicant, including collateral mapping. It tracks possible defaulters and irregular loan repayment frequencies.
Regulatory and reporting tools
Salient features include real-time general ledger and accounting. The tools also help handle loan restructuring, write-offs, waive-off charges/penalties, regulatory reports, NPA management, lawsuit filing, and tracking.
More Features
Adaptable and efficient aspects of loan operations
Advanced screening capabilities
The system can identify, assess, and mitigate potential risks by streamlining operations like creditworthiness. It ensures that the system's complexity is independent of decision-making related to financial exposure.
Customer communication
The support services include, but are not limited to, message channels, dashboards, reports, and tasks. The dashboard notifies relevant entities about their assigned functions, ensuring smooth communication and task execution.
Reporting and analytics
Generates actionable insights into lending operations to drive a great user experience. Users can generate real-time reports, track key performance indicators, and leverage data-driven recommendations to optimize strategies and operations.
Limits and collaterals
Offers comprehensive tools to manage credit limits and collateral effectively. The system ensures compliance with lending policies, assesses collateral values, and monitors credit exposure to maintain a healthy loan portfolio and mitigate risks.
Automating underwriting
The system automates the underwriting process, including evaluating applicant creditworthiness and determining loan terms. It reduces manual intervention, speeds up approvals, and ensures consistency in decision-making.
Comprehensive custom dashboard
The system offers a comprehensive custom dashboard that consolidates all relevant data and metrics. The dashboard tab presents customized views to track performance, monitor KPIs, and gain real-time insights into business operations.
