Commercial Lending

Streamline complex credit origination workflows in commercial lending.

Software for commercial lending
Increase of return on capital and a sustainable growth to credit portfolios.

Changing and tightening regulatory restrictions, low interest rates and emerging non-traditional players all changes banks, and hinder the, to increase their credit portfolios. These evolving market conditions have heightened the importance to strategically address digitalization.

Digitalization of lending processes enables sustainable growth to credit portfolios and increase the return on capital. ACTICO offers a solution that can deliver decision support through the entire credit life-cycle. Lenders are able to lower their operating costs by automating risk assessment and credit decision processes and offer more compliant and transparent loans.

Approach
Automation of Commercial Lending Decision

The ACTICO Credit Risk Management Platform, an intuitive system, empowers business and IT users to quickly build efficient, customer-focused commercial lending processes, while assessing and managing risks compliant with regulations.


Credit Application Workflow

Automate and manage the entire life cycle of credit applications. Credit workflows can be fully automated and involve highly complex, role-based, multi-stage approval processes.

Credit Risk Rating and Financial Spreading

Capture, spread and analyze financial statements and implement bank-internal rating models in any number and level of complexity in one single platform.

Simulation and Stresstests

Simulate rating models against historic credit data and analyze the impact of stress scenarios on credit risks.


BENEFITS

Graphical Rules Editor

Business users can easily create and configure rating models and decision rules without doing any coding.

Operational Efficiencies

Improve operational efficiencies by eliminating manual processes and reconciliations.

Full Compliance

Make fully auditable credit decisions and be compliant with regulatory requirements.

costumer
Case study
A Tier 1 U.S. Bank uses the Credit Risk Rating Platform to increase efficiency

A Fortune 500 U.S. bank turned to ACTICO to replace their Excel-based rating system with a Basel II compliant web-based solution. The bank’s credit risk rating calculations, such as probabilities of default (PD), loss-given defaults (LGD) and expected loss (EL), are now more accurate, efficient, consistent and compliant. 

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