ACTICO Credit Origination & Workflow Module

Automate and Manage the Entire Life Cycle of Credit Applications

Requirements related to credit origination systems are increasing – today, lenders require software solutions that support end-to-end credit origination processes that are efficient, and always comply with regulatory guidelines. In addition, origination systems need to be flexible and able to adapt to changing credit policies and business requirements. The Credit Workflow & Origination module is a robust and scalable software solution for automating credit origination processes.

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Key Features

ACTICO Covers the Entire Credit Lifecycle

Credit Applications from Multiple Input Channels

Capture credit applications directly via provided web-based front-ends or import and process applications from multiple channels. Complex relationship structures, such as groups of connected clients are supported.

Integrate Third-Party Data

External data sources are an essential source of information, especially for new clients. The Credit Bureau Gateway provides seamless integration with external data providers, such as credit bureaus.

Risk Assessment

Seamless integration with ACTICO Financial Spreading and Risk Rating modules, allowing banks to perform quantitative and qualitative risk assessment. This information is integrated into credit origination and decisioning rules.

Credit Policies and Credit Decisioning Strategies

Credit applications are evaluated against a lender’s specific credit policies and strategies. Additionally, banks and financial institutions can execute compliance checks, such as matching against blacklists and fraud detection.

Collaborative Workflows for Credit Decisions

The software supports both, automated and complex manual underwriting and approval workflows. Each application can be taken through complex group and role-based approval workflows. A detailed audit trail for all user input and actions is provided.

Benefits

Out-Of-The-Box Functionalities

Out-of-the-box modules can be integrated with the Credit Origination & Workflow module. This allows the management of complex client relationships, groups of facilities, and powerful financial spreading and credit risk rating capabilities. All aspects of the system are configurable to suit each organization’s needs and processes.

Integrate with Internal and External Data Sources

Credit application data can be captured manually or interfaced from existing internal systems. The Credit Bureau Gateway provides standard connectors to various credit bureaus worldwide to integrate external data sources for data enrichment.

Simulate New Credit Strategies

Credit decisioning strategies can be tested before implementation by simulating revised rule models against a historic set of credit applications. During operations the software tracks extensive meta-data, such as processing and idle times, providing valuable insights and helping optimize credit origination processes.


Knowledge Center

Brochure: Credit Risk Management

Automate risk assessment and lending processes with flexible and scalable software.

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Video: Live Modeling Series

Graphically model, test, simulate and implement rule models for the automation of credit decisions.

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Blog-Post: Credit Origination

How automation can improve consumer lending.

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