Credit management system

Client got a tool to precisely evaluate clients’ lending risks and make decision on credit application.

Situation

Situation

Client was meeting BASEL I requirements and had a goal to meet BASEL II requirements also to improve scoring and credit management process.

Solution

Solution

Solution implements whole scoring process for legal and private customers including periodic credit risks reevaluation, collaterals reallocations, customers risks checking with external institutions, credit and agreements data administration, also many other related business areas. Solution is based on decision making approach and is integrated with many internal systems such as core banking, card management, CRM, Internet banking, Leasing management, etc.

Added value

Added value

Client met the BASEL II requirements and released significant funds (from reserve). Client got a tool to precisely evaluate clients’ lending risks and make decision on credit application. Solution is doing periodic re-evaluation of credit risks for each credit in portfolio. Solution enabled client to handle collaterals, re-evaluate and reallocate them to secure all credit portfolio. Customer is able easily manage credit agreements and save operation costs.