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Silverlake Symmetri Loan Origination System

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Overview

Silverlake Symmetri Loan Origination System (LOS) is front-end, web based, channel application that enables centralized credit evaluation and approval for retail and corporate customers. LOS provides high levels of automation throughout the loan origination cycle from initial application capture through to scoring, approval, customer acceptance, documentation and final loan booking. In addition, the solution provides a high level of accountability with an accurate audit trail of ‘who did what and when’.

Key Features

The Silverlake Symmetri Loan Origination System provides the following banking capabilities:

·Loan Application Process

oApplication details

oRequirement details

oCo-applicant details

oFinancial highlights

oCollateral Association

oAsset Maintenance & Valuation

oChecklist execution

oCredit Scoring

oScorecard execution

oDocuments collection

oCredit decision

oLoan booking

·Comprehensive Customer Information – prospects / existing customers, 360-degree view of customer

·Tools

oLoan calculator

oScorecards

oChecklists

oLoan notes

oAudit trail

oDocument utility

oPricing Information, Definition & adjustment

·Administration

oBusiness process flow configuration

oApproval matrix

oLending Product catalogue

oCover letters / Document templates

oWorklists

·Enquiries – Loan portfolio / application enquiry

·Post loan approval documentation and reviews

Key Benefits

·Silverlake Symmetri Loans Origination System (LOS) provides high levels of automation throughout the loan origination cycle and thus helps to improve efficiency, productivity and reduce costs. Manual decision-making effort is reduced and customers receive the loan outcome earlier. Automated decisions improve compliance, enforce bank credit policy and reduce manual intervention required.

·Solution is highly configurable and the bank can achieve manual or automatic loan application processes and improve effectivity of internal processes. New products can be rolled out more quickly, with the flexibility required to offer the range of loan products desired for the target market, enabling the bank to offer competitive products.

·Dynamic loan origination workflows based on user definable “Business Process Profiles” help to automatically distribute work across the organization, reduce errors and manual intervention, which can delay the processing of loan applications. These business rules can be quickly adapted to meet new requirements and bring new products to market with minimized IT costs.

·LOS facilitates seamless routing and automated task allocation between bank staff leading to timely credit decisions and greater STP within the loan booking process.

·LOS helps the bank to maintain consistency and ensures completeness of critical loan documentation. LOS supports the generation of outgoing documents as well as collecting incoming documents to an application as attachments during the originations process.Document templates defined using the built-in document template editor is the basis for generating outgoing documents.

·The automated loan booking in Silverlake Symmetri Core Banking System improves efficiency and alleviates the requirement for manual re-keying of information. LOS can be easily integrated with other core banking systems.

·LOS is built on the same platform as Silverlake Symmetri Branch Delivery System (front-end solution for branches), which reduces the need for additional technical infrastructure.

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SOLUTION OR SERVICE TYPE