Finastra Loan IQ

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Offered on a modern, industry-standard technology stack, Loan IQ empowers financial institutions to service multiple lending business lines with modern and portfolio specific functionality. This enables lenders to efficiently consolidate all commercial loan types on one platform, from the most complex syndicated lending to simple, high volume bilateral loans, reducing costs while ensuring banks can offer a superior client experience in comparison to competitors.

Loan IQ alleviates the high costs of system and process redundancy within commercial lending operations, leveraging an unrivaled depth and breadth of capabilities that enables banks to efficiently support all aspects of the loan lifecycle, from deal management and servicing to trading and settlement.

Banks using Loan IQ enjoy improved business agility to enter new markets quickly and easily with complete visibility across risks, performance and exposure. Loan IQ is an open platform that serves as a full end-to-end loan servicing solution that reduces processing times, manual processes and integration costs, allowing for greater automation and improved controls throughout the loan servicing lifecycle.

Key Features

Optimized workflows for all loan types Industry standard Loan IQ workflows enable clients to streamline commercial or bilateral loan booking and processing activities. Loan IQ supports small business, business banking, and middle market portfolios as well as, but not limited to, specialty lending businesses including commercial real estate, agriculture, shipping, aircraft, infrastructure or asset-based lending.

Simplified servicing offers high-volume bilateral and SME lenders thin-client user interface with designed for optimal user experience with an intuitive design and exception based workflow that provides the scale and efficiency needed to support high touch

Effective management of large, complex multi-lender deals allows financial institutions to manage the relationships, processes and all the documentation required to service complex syndicated deals. Loan IQ has been designed to handle the broadest range of deals from the simplest to the most complex.

Comprehensive agency servicing - Lifecycle management for all the relationships, processes, and documentation required to service loans on a single platform. Loan IQ is designed to streamline processes, minimize risks and reduce errors throughout an institution or group.

Rich trading functionality - Benefit from a single, real-time view of all back-office transactions that affect a trader’s portfolio during the entire loan lifecycle. Full multi-currency and multibranch capabilities provide an up-to-date picture of company-wide performance.

Superior accounting and audit control - Loan IQ’s accounting functionality combines online accounting with real-time debits and credits to provide unmatched functional depth. You can manage lender shares and portfolio positions across multiple entities, reducing the need for double entry and reconciliation. Extensive audit trail and user security capabilities are inherent in the solution, with built-in two-touch controls to ensure accuracy with transaction processing.

Portfolio management and business insights - Loan IQ facilitates the management of multiple portfolios across different entities and businesss lines, enabling your organization to accurately account for company-wide risk. The solution allows you to merge data from multiple asset classes within many different systems, and consolidate this information onto a single comprehensive portfolio management tool.

Advanced collateral management - Create and manage an increased volume of financial and non-financial assets associated with collateralized loans, such as commercial real estate. You can capture, maintain and report on a rich detail of collateral across the portfolio including asset registration, unit details, rent rolls and invoices. Support the tracking of assets against facilities and drawings, while managing collateral events, crosscollateralization and insurance.

Key Benefits

Reduce technology costs - Simplified system architecture with a global platform-based solution on a single data model allows for reduced hardware costs and a more streamlined and costeffective infrastructure

Enable business growth with a large breadth of lending products to meet customer needs and attract new business while taking advantage of automation to drive the scalability needed to support growth in lending volumes

Increase efficiency with the ability to optimize operating models with a centralised, standardised best-practice approach across all business lines, a single application with common standards, workflow and business processes

Improve customer experience with the ability to service all business lines from a single solution provides for a better customer experience using a standardized approach and self-service capabilities for borrowers

Reduce risk with enhanced controls and automatic ‘quality validation’ across the whole loan lifecycle to reduce errors in booking, pricing / fees, payments, settlement, bills / notices, AML compliance, collateral, etc. while consolidation of loan portfolio one system and process automation reduces manual touch points to avoid operational risk events