Advanced credit analysis for business banking. Pursue new opportunities in commercial lending.
Scorto™ Loan Manager is an automated platform for all your commercial and SME lending operations. The solution allows maximum automation of loans origination, commercial credit scoring and business portfolio re-evaluation with reduced operational costs and improved decision quality.
This decision management system enables lending organizations to minimize financial risk exposure and increase operational efficiency. Proven scoring techniques allow evaluating and projecting the credit-worthiness of potential customers. System provides flexible management of the lender’s credit rules, credit policies and scoring models. Wizard-based business process modeling engine eliminates vendor dependency and internal IT staff involvement.
- Correctly evaluate the financial state of would-be borrowers. Analyze collateral quality, account and cash turnover, percentage of client funds involved, expenses on servicing the loan, business profitability, current loans, data on the principals or the management team of business, business demographics and other business parameters.
- Achieve compliance with Basel II/III. Automatically evaluate payment dynamics, credit risk assessment and estimation of PD, EAD and LGD and other parameters required for calculating the RWA.
- Monitor the borrower’s business situation during the entire life-cycle of the loan.
- Easily encapsulate in your decision flow in-house rating models, credit bureau ratings, segmentation rules.
- Decrease operational costs. Put your skilled resources to work with special cases.
Employ precise evaluation and risk management while at the same time automating application and re-evaluation processes and decision flows.
Every financial organization approaches commercial financing according to their own risk appetites and best practices.
Scorto™ Loan Manager allows automating origination, underwriting and servicing of the commercial loans in accordance with your origination and evaluation rules and decision flows.
Perform precise commercial credit scoring, rating and segmentation, and reduce bad debt and losses.
Automatically evaluate payment dynamics, credit risk assessment and estimation of PD, EAD and LGD and other parameters required for calculating the RWA.