End-to-End
Loan Origination

Supported Lines
of Business

Retail Loans

Working in the mass market of retail loans often means having to deal with a large amount of typical requests for relatively small loans. To effectively process the significant application flow and stay competitive, lenders need to create a reliable technological platform that can help them to automate loan origination procedures, manage risk across the credit portfolio, quickly take loan decisions, create new products and smartly customize the origination underwriting.

Business Loans

It rarely happens that the corporate lending department offers standard credit products – business customers borrow larger amounts and require an individual approach, and the bank needs to customize and propose the best solution for each specific business task. A higher level of risk due to larger loan amounts is another important peculiarity of the corporate lending. Rely on the modern Digital Q LOS solution to handle the risk properly and deliver to your customers personalized high-quality services.

SME Loans

SME loans are relatively small, but they cause higher administrative expenses and require more human resources than other types of lending. Many owners of SMEs are hard to reach since they are located in remote rural areas. In addition, the lender has to handle a lot of financial information to take a right decision and mitigate risks. Streamline these procedures, reach remote customers and facilitate the whole SMEs lending process with modern technological tools and features offered by Digital Q LOS.

Microfinance Business and Community Banking

Microfinance services to poor and low-income households and their businesses, often known as micro-enterprises, plays a critical role in reducing the poverty. Embrace this wide customer group, reach your remote customers and smartly orchestrate your loan origination and management processes with the broadest range of advanced tools provided by the Digital Q LOS solution.

Credit Products

  • Credit Cards
  • Personal Overdraft Facilities
  • Mortgage Loans
  • House Construction & Renovation Loans
  • Consumer Loans
  • Cash Loans
  • Auto & Motorbike Loans
  • POS Loans
  • Student Loans
  • Personal Loans for Self-Employed

Credit Products

  • Lines of Credit
  • Syndicated Loans
  • Long-Term and Short-Term Loans for Investment in Fixed Assets
  • Project Financing
  • Overdraft Facilities
  • Guarantees
  • Loans Secured by Valuable Papers

Credit Products

  • Lines of Credit
  • Working Capital Loans
  • Medium-Term and Long-Term Loans
  • Loans Secured by Real Estate
  • Loans for SMEs Operating in the Export or Import Industry
  • Micro SME Loans

Credit Products

  • Business Development Loans
  • Loans for Households
  • Construction and Home Improvement Loans
  • Rural Enterprise Development Loans
  • Loans for Women-Owned Enterprises

Business Tasks

  • Support different loan origination channels
  • Support standard products and procedures for quick standardized processing of
    applications
  • Support quick processing of large amounts of loan applications for relatively small
    loans
  • Ensure fast and accurate application origination and decision making, with low
    human involvement and wide use of automatic customer checks
  • Support flexible configuration, customization and combining of automated and manual processes depending on the loan product
  • Create loan applications within minutes

Business Tasks

  • Support non-standard individual products
  • Ensure flexible configuration of credit products with the sophisticated product
    factory
  • Support of loan applications with complex financial reports
  • Track relations between legal entities and individuals
  • Support non-standardized application processing
  • Ensure easy communications via remote channels
  • Support online credit committees
  • Support complicated due diligence and decision making procedures and
    requirements
  •  Implement a case management approach to process automation
  • Support what-if analysis
  • Ensure post-disbursement monitoring of non-financial covenants and collateral
    conditions
  • Reduce workload on credit officers associated with input and analysis of financial information

Business Tasks

  • Streamline complex and resource-intensive application procedures
  • Standardize document collection and generation of electronic credit profiles
  • Configure special products based on seasonal needs of SMEs
  • Support individual and group SME loan applications, group guarantees
  • Reduce high risk and operational cost
  • Streamline borrower evaluation and decision making
  • Expand collateral choices with mobile collaterals
  • Provide services in remote areas without bank branches
  • Streamline complex and resource-intensive application procedures
  • Standardize document collection and generation of electronic credit profiles
  • Configure special products based on seasonal needs of SMEs
  • Support individual and group SME loan applications, group guarantees
  • Reduce high risk and operational cost
  • Streamline borrower evaluation and decision making
  • Expand collateral choices with mobile collaterals
  • Provide services in remote areas without bank branches

Business Tasks

  • Support customers in remote areas without bank branches
  • Support seasonal increases in demand
  • Streamline and reduce the cost of the loan origination process
  • Reduce risk of lending to low-income businesses
  • Support special approaches to calculation of the customer’s credit score and creditworthiness

Supported
Business Processes

Borrower Consulting
Application Origination
Application Processing
Decision Making
Loan Disbursement

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Business
Tools and Features

Digital Onboarding
Remote onboarding of new customers with automatic e-KYC and Due Diligence processes, verification of customer identity and management of risk profiles
Smart Loan Calculator
Loan simulation, calculation effective interest rate, payment amount, minimum income, insurance premiums for convenience and well-thought decisioning
Covenant Management
Setup and monitoring of financial and non-financial covenants and approval conditions before and after disbursement
Personalized Banking
Automatic offerings and packaged deals based on customer preferences, interests, and needs
Credit Committees
Online and offline meetings of credit experts to streamline and speed up consolidated decisioning for business loans and large credit facilities
Pre-Integrated Document Capture & Recognition Tools
Quick registration of applications and entering of complex financial reports through integration with web cameras, scanners, ID scanners, specialized banking equipment, document capture and recognition software

Loan Management
Ecosystem

Enhance your lending business processes with valuable tools provided by the broader Digital Q Loan Management Ecosystem. The ecosystem supports post-sale borrower servicing and management of credit contracts and helps streamlining your overall sales process
  • Borrower servicing
  • Loan repayment (early repayment, overdue payments, balloon payment, etc.)
  • Collection (pre-collection, soft/hard/legal collection, sale of debts, etc.)
  • Covenant management
  • Post-disbursement monitoring of collaterals
  • Refinancing and other types of loan restructuring
  • Collateral management
  • Partner management
  • Sales management
  • Mobile office for agent banking
  • Customer screening and anti money laundering.

Omnichannel
Support

  • Loan origination and processing through various service channels: bank branches, bank agents, ATMs, contact center agents, the website, Internet/mobile banking applications or other channels.
  • Consistent information on the customer and his/her service history, products and services in all channels.
  • Channel blending, easy switch from channel to channel (an application can be created in one channel, continued in another, and completed in a third one).
  • Intuitive modern interfaces that feel identical in all channels.
  • Easy deployment of services and pre-set scenarios in all channels.

Streamlined
Product Configuration

  • Easy configuration and customization of business processes with pre-integrated visual modelling tools designed for no-code process configuration. All steps and checks can be configured as a sequence or as parallel activities and completed either automatically or manually.
  • Quick setup of product parameters with flexible front-office tools and settings.
  • Flexible setup of automatic and manual scoring procedures and check scripts.
  • Setup of loan application stages by the bank with the use of inbuilt Digital Q editors and wizards.
  • Ready-to-use business schemes that allow custom configurations.
  • Support of standard and individual loan terms and conditions.
  • Flexible product customization for different customer groups and packaged deals.

Advanced
Technology

  • Operation Over Low Bandwidth Connections

    Minimization of Java scripts, CSS and HTML files, traffic optimization technologies for high availability even in case of poor internet connection.

  • Visual No-Code Modelling

    Pre-integrated visual modelling tools for no-code process configuration. All steps and checks can be configured by business users without coding. They can be presented as a sequence or as parallel activities and completed either automatically or manually.

  • Enhanced User Experience

    No need to train users with the intuitive user interface, easy navigation, support of hints, reference lists, filters and step-by-step wizards. Easy input of data and pre-population of fields with data from other information systems. The system guides the user through each step of a business process, highlights mandatory fields and verifies all forms to avoid human errors.

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