Retail and SME Loans

Finno Loan is a standardised solution designed to sell loan products to individuals or small and medium enterprises.
It covers the end-to-end process providing secured and unsecured loans, bridging loans, and loan consolidation, from
initial business interviews, through approval of negotiated credit deals and preparation of documentation, to provision
and drawdown of the loans.

Client Offer/Request Financial Approval Drawdown Management

Assessment and Contractual and Provision and Administration
Documentation

Security
Assessment

Loan

Solution Description >> Setting up deadlines for submission >> Preparation of final contractual
of real estate appraisal documentation
Offer/Request >> Verification of the business case >> Signing of contractual documentation
>> Basic client identification with in terms of price budget and confirmation of the deal
the application >> Support for phone validation,
>> Entry of required client data if necessary Drawdown and Provision
>> Signing consents with queries >> Support for one-time drawdown
on Registry of Debtors Security Assessment of provided loans
>> Product selection based >> Identification of the real estate providing >> Support for gradual drawdown
on clients’ needs security for the case of provided loans on agreed dates
>> Behaviour modelling for selected >> Checks for existing estimates of the real >> Continuous assessment of security
product variants estate in banking systems for provided loans
>> Displaying campaign offerings eligible >> Support for the process of ordering
for each client the valuation of the real estate Management and Administration
>> Printing non-binding product offerings >> Verification of the estimated value of >> Change and supplement process,
>> Evaluation of internal registries the real estate including approval process
and subsequent KO checks >> Making a list of conditions necessary >> Loan consolidation, re-financing,
>> Entry of relevant non-financial data for for provision of the loan or changes to instalment schedule
the request, e.g. real estate information >> Making a list of conditions necessary >> Additional configuration
>> Printing the request for the selected for drawdown of the loan of supplementary services
loan product >> Case scoring in terms of security extent >> Process of administration and assembly
of contractual documentation
Financial Assessment Approval and Contractual Documentation >> Connected to debt collection
>> Fraud detection using an external system >> Final evaluation of the provided loan and notification process
>> Checks of the client’s behaviour >> Recalculation or adjustment of the offer
in external registries based on provided information
>> Sending client information to >> Final calculation of parameters of
the scoring system the provided loan
>> Modelling the final product offer >> Check of the total amount of provided
and its parameters discounts against the sales point budget
Solution Features >> In-built reporting and support for Reduced Training and Servicing Costs
>> A single system to support all types external reporting systems Finno Loan minimises employee training
of retail loan products >> Reduced case handling costs costs, as well as client communication and
>> High flexibility when introducing >> Integration to external registries servicing costs.
new products
>> High process automation and Supported Products Audit Trails
parameterisation support adaptation >> Unsecured loans: consumer loan, Finno Loan makes all activities auditable
to banks’ business models bank overdraft, credit card, revolving and easily traceable. You will always know
>> Elimination of manual decision-making loan (line of credit) who participated in the process and when,
>> Decision-making rules fully controlled >> Secured loans: mortgage, and who did or decided what in the process
by bank or business American-style mortgage and when.
>> Low error rates for request processing >> Bridging loans
>> User-friendly environment, short initial >> Loan consolidation Process Duration Monitoring
operator training Finno Loan provides accurate monitoring
>> Online decision-making – striving for of process durations and step durations.
the shortest possible time-to-decision / Major Solution Assets
time-to-yes / time-to-cash Reduced Operation Risks
>> Multichannel strategy, support Improved Speed and Efficiency Finno Loan minimises operation risks asso-
for modern methods of work with clients With its standardisation, Finno Loan accele- ciated with copying of data to various docu-
>> Modular, service-oriented, rates and streamlines the loan handling pro- ments and screens. Consequently, it reduces
open architecture cess in all relevant departments of the bank. costs of data check activities.
>> Extensive parameterisation capabilities
•• Externalisation of business rules Improved and Faster Servicing of Clients
•• Unified extensible data sentence Finno Loan helps minimise the number of
•• Configuration of process variables documents passed to clients and ensures
•• Configuration of GUI component and that relevant information is always available.
integration component behaviours

Unicorn Systems a.s.

www.unicornsystems.eu, finno.unicornsystems.eu, [email protected]
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