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BusinessBANKER, from Cognitive Group, is a scalable cloud-based Loan Origination Solution that makes it easy for lenders to manage documents, collaterals, risk scoring, workflows, compliance, and more. It simplifies the commercial loan process, from initiation to closing. BusinessBANKER boosts employee productivity because of its one-screen process that has been designed through a unique scientific cognitive engineering approach and AI-driven automations. BusinessBANKER comes with editable in-branch employee as well as web and mobile customer self-service interfaces. The ergonomic and intuitive interfaces allow users to produce complex credit applications in less than 5 minutes.

Key Features

DIGITAL INTERFACE MANAGER: fully configurable, includes validation rules and checklists to ensure all necessary information is entered.

RISK MODEL: guides variable selection and evaluates the likelihood of default.

DECISION ENGINE: sets minimum acceptance criteria , determines conditions for decision-making committees.

WORKFLOW: determines decision-making processes , track the involvement and authorizations of staff.

CONFIGURATOR: allows to add fields, specify the design, themes, images for the web interface. Additional modules are also available.


-Compliance and regulatory management

-Optimized flexibility that adapts to your bank

-Automated workflow

-Mobile responsive

-Document management

-Analytics and reporting


-Collateral management

-Risk scoring

-Auto decision and AI

-Rapid deployment: Can be up and running in a couple of weeks

Key Benefits

With BusinessBANKER, a self-service loan application can be completed by the client online or over the phone, scored, and pre-approved. Our FastTrack solution can also be used by any bank employee to increase sales. Streamlined risk models are easily adjusted to pre-approve any product or business line.

BusinessBANKER integrates with major Customer Relationship Management (CRM) solutions, such as Salesforce, Microsoft and Oracle as well as loan administration systems and other core systems such as MAMBU, Sopra, Flexcube or Orion. Housing customer and loan information in one database allows organizations to have streamlined access to critical business intelligence (BI), management and regulatory reporting.

We enable organizations to run customizable reports and dashboards in real-time. These tools can identify new business opportunities, lead generation, marketing insight, proactive customer support and the opportunity to build long-term, profitable customer relationships. Reports and dashboards centralize data from a financial institution’s core and other siloed systems into compelling visuals to improve data presentation and usability.

BusinessBANKER helps financial institutions effectively manage internal audit, risk control, and regulatory compliance reporting. The system integrates with core accounting systems and loan administration to centralize data and provide enterprise access to the information through detailed reporting.

BusinessBANKER provides tools for analyzing, measuring and managing credit risk, at every level from client to an enterprise. The Spread, Auto Decision and Risk Rating functions enable enhanced risk management across the organization using consistent methodologies, models and data.

Our covenants monitoring trigger in real-time an alert of breach or Early Warning Signals (EWS). The monitoring and management of covenants during the approval process and throughout the life of the loan become a beneficial activity. For example, a quarterly monitoring covenant allows automating renewal and small increases. It allows you to be proactive and react before it is too late. The digital access allows clients to send, or upload their information directly.

Our risk rating methodology allows custom risk models that are unique to various loan segments and product types: retail, high net worth, commercial or small business. Loan portfolios are aggregated systematically with statistical analysis to allow comparison with the initial risk model. Adjustments can be made based on the drift from the original assumptions.

Our Collateral Management System is integrated into the loan origination process and allows assets to be associated directly with the specific loan, where they can be viewed and managed. Expiration and changes in the status of the collateral will trigger alerts within the system.