Transform your commercial lending operations
Enable faster, well informed lending decisions in corporate, commercial or development financing
SOFTWARE FOR COMMERCIAL LENDING
Streamline Complex Credit Origination Workflows
Digitalization of lending processes enables sustainable growth of credit portfolios and increases the return on capital for financial institutions. ACTICO’s solution delivers decision support throughout the 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
Automate Credit Risk Assessment and Financial Spreading Analysis
The Core – Credit Risk Management Platform
A flexible and scalable software platform enabling credit risk analysis, automation of lending and decision-making processes as well as continuous risk monitoring. In addition to implementing complex strategies and workflows to automate credit application review and risk monitoring, models for risk assessment and monitoring can be sustainably optimized by simulating and analyzing changes.
- Recording and analysis of annual financial statements
- Mapping and execution of internal rating and scoring procedures
- Auditability through complete information and process transparency
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 Stress Tests
Simulate rating models against historic credit data and analyze the impact of stress scenarios on credit risks.
Benefits
Support continuous innovation
Change your financial spreading templates and rating models using a graphical & intuitive modeling interface.
Reduce operational costs
Improve operational efficiencies by eliminating manual processes and reconciliations.
100% compliance & traceability
Make fully auditable credit decisions and be compliant with regulatory requirements.
Flexible deployment options
Whether it is public cloud, private cloud or on-premise, ACTICO leaves the deployment decision entirely to the financial institution.
Complete ownership of your data
ACTICO gives you complete ownership of your own data as well as business logic (e.g. risk models, spreading templates).
Seamless integration
Consume data from any internal or external system (e.g. CRM, credit bureau) and feed data to downstream systems (e.g. core banking, loan management systems)
"One of the largest multilateral development banks in the world runs on ACTICO."
"Before we had the ACTICO software, it took us several months to update rating models. Now we save a lot of time and complete the roll-out of a new version within days or even hours."
Credit Risk Manager at LeasePlan
"A Fortune 500 bank, headquartered in North America trusts ACTICO Platform for risk rating and financial spreading across 40+ countries."
"As a team we have been very impressed with the speed of delivery and accuracy."
Julius Ortlepp, Business Analyst
"One of the largest commercial banks in ASEAN revamped its corporate & commercial rating system using ACTICO."