Loan Manager SME

Purpose: SME loan data input, processing,
rating, SME lending decision support, SME
loan account management

Banks need Scorto™ Loan Manager because:

• Because bad debts are costlier for SME debts than for other retail loans
• Skilled resources should be used efficiently, and no one can provide aid for this like Scorto
• Operational costs for SME loans should be decreased, and operational efficiency increased
• Tough competition on SME market requires constant credit strategies improvement and correct performance measurement

Concept and Key Tasks

• Financial analysis of a would-be borrower’s business Automation of SME loan application processing
• Risk-based pricing
• Credit risk assessment throughout the entire loan lifecycle
• Companies scoring, rating and segmentation
• Evaluation of payment dynamics, credit risk assessment and estimation of PD, EAD and LGD and other parameters required for calculating the RWA (Basel 2)
• Cross-Sell / Up-Sell decision support
• Business Rules/Process Management for SME lending
• Automated re-evaluation of default risk and financial ratios for SME analysis

Value Proposition

• Complete SME Lending Business Rules, Business Process, and Risk Management System
• Incredibly intuitive and easy to use with simple drag-drop, and point & click user interfaces
• Capable of scoring project based, trade based, simple commercial loans, and other types of programs
• Designed specifically for SME lending (not a customized version of a tool designed for consumer lending)
• Applicable to multiple lending vehicles and program types
• Provides some CRM functionality
• Low level of involvement from expensive resources (IT Staff, etc.) for regular operational needs or changes

Examples of Industries and Applications:

• Banking & Finance:
  • Automation for all aspects of the SME Loan Lifecycle
  • Credit risk scoring, management and automated re-evaluation for various aspects of the small and mid-sized business
• Factory companies:
  • Evaluation of small and medium business before purchasing from them accounts receivable
  • Large manufacturers and wholesalers
  • Making decisions about providing trade credit lines to distributors and retail shops
• Government funds for small business support
  
  • Selecting right targets for financial assistance (loans or investments)