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
Offer/Request
>> Basic client identification with
the application
>> Entry of required client data
>> Signing consents with queries
on Registry of Debtors
>> Product selection based
on clients’ needs
>> Behaviour modelling for selected
product variants
>> Displaying campaign offerings eligible
for each client
>> Printing non-binding product offerings
>> Evaluation of internal registries
and subsequent KO checks
>> Entry of relevant non-financial data for
the request, e.g. real estate information
>> Printing the request for the selected
loan product
Financial Assessment
>> Fraud detection using an external system
>> Checks of the client’s behaviour
in external registries
>> Sending client information to
the scoring system
>> Modelling the final product offer
and its parameters
>> Setting up deadlines for submission
of real estate appraisal
>> Verification of the business case
in terms of price budget
>> Support for phone validation,
if necessary
Security Assessment
>> Identification of the real estate providing
security for the case
>> Checks for existing estimates of the real
estate in banking systems
>> Support for the process of ordering
the valuation of the real estate
>> Verification of the estimated value of
the real estate
>> Making a list of conditions necessary
for provision of the loan
>> Making a list of conditions necessary
for drawdown of the loan
>> Case scoring in terms of security extent
Approval and Contractual Documentation
>> Final evaluation of the provided loan
>> Recalculation or adjustment of the offer
based on provided information
>> Final calculation of parameters of
the provided loan
>> Check of the total amount of provided
discounts against the sales point budget
>> Preparation of final contractual
documentation
>> Signing of contractual documentation
and confirmation of the deal
Drawdown and Provision
>> Support for one-time drawdown
of provided loans
>> Support for gradual drawdown
of provided loans on agreed dates
>> Continuous assessment of security
for provided loans
Management and Administration
>> Change and supplement process,
including approval process
>> Loan consolidation, re-financing,
or changes to instalment schedule
>> Additional configuration
of supplementary services
>> Process of administration and assembly
of contractual documentation
>> Connected to debt collection
and notification process
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, info@unicornsystems.eu
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