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

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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)


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