A Comprehensive Credit Decisioning Software

Transform your loan decisioning and origination processes into a flexible and automated system.

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ACTICO Credit Decision Platform

Automating Loan Decisioning and Origination

The Credit Decision Platform supports banks and financial service providers streamlining their loan origination processes and increases operational efficiency in the credit decision-making process. The credit decision engine helps to precisely analyze credit risk, automate underwriting and origination workflows, and optimize integration with third party data providers.

Key Features

An Integrated Credit Decision System

Multi-Channel Import of Loan Applications

Loan applications can be imported and processed from multiple channels, e.g. online portals, branches. Furthermore, loan applications can be captured using web-based front-ends provided by the solution.

Apply Credit Policies & Decisioning Strategies

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

Audit-Proof Data Storage & Archiving

All credit data is stored in a central data repository, and the results of the credit decision process are made available to dependent systems, e.g. core banking systems. In addition, the platform is able to generate documents, e.g. contract templates, from a credit application.

Request to Credit Bureaus

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 Rating & Scoring

As part of the origination process, lenders need to conduct a credit check to assess the creditworthiness of potential borrowers. The Credit Decision Platform supports the implementation of any internal credit risk scoring and risk rating models.

Loan Approval & Decision

Dependent on each bank’s credit policies and guidelines, loan decisions can be automated to any extent. If required, the solution also supports complex multi-level and role-based approval processes.

Benefits

Efficient & Automated

The Credit Decision Platform reduces processing times and enables the partial or full automation of the credit decision process. Depending on a bank’s lending policies and guidelines, applications can be sent to a loan officer or credit analyst for manual underwriting.

Easy to Adapt & Expand

Complex loan origination strategies are modeled in the Credit Decision Platform using graphical rules. New and amended business processes and rules can be flexibly implemented, tested and integrated.

Traceable & Audit-proof

All internal and external data for a credit application is housed in an audit-proof data warehouse. Comprehensive metadata is saved for every system and user action, including the content, author and time of a data change.

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