Why Do Banks Spends Million$?

While They Don’t Have To…

Credit Management System

Forword• Commercial lending is often associated with complex risk

calculations, intensified regulatory oversight and multi-level stakeholder collaboration. The segment is highly fragmented and comprises different product types, each with its own set of unique characteristics

• Yet, while loan & investment departments in all major banks and financial institutions receive many loan applications, the credit sanctioning process is almost the same in every institution

• Thus, in view of the continually increased volume of loan applications there is a need to automate the decision making process, while giving the sanctioning authorities complete transparency of the details of the facilities requested for

Why?• With ever growing competition, it's imperative for lenders to

optimize the complete lending lifecycle, from origination to disbursement through to the duration of the portfolio

• Investment in back-end operations, front-end customer services and product excellence can result in greater efficiencies, effective cost control & smarter decision making

What is CMS?• A Credit Management System (CMS) is also often referred to

as a Loan Origination System (LOS); it automates and streamlines the end-to-end lending cycle for the full range of loan types–from prospecting and origination to underwriting, disbursement and servicing

• It is a leveraging technology to enhance credit decisions and review processes, create good quality controls, and align policies and procedures with a company’s business strategy

• It is built on a business process management frameworks to enable credit origination, approval and monitoring in a paperless and electronically driven workflow environment

What are the General Benefits?• Streamline and speed-up loan origination processes

• Ensures new opportunities are well managed and properly structured driven by smarter decision making processes

• Minimize human errors due to repetitive data entries

• From the Risk perspective:• Ensures reviews are annually initiated on time

• Ensures Credit Documents and Covenants are complied with

• Captures who and when actions and entries are made

• Enforces standard reporting design, layout and structures

• Allows for ease of reporting and data changes as needed

• Well managed centralized documentation archiving and easy retrieval

WHY US?

• Faster time to implement with ready made solutions and tools

• Flexible pricing package from as low as US$ 12,500 for a lifetime licenses.

• Built on a modular architecture, cofigurable to your Business Process Management (BPM) and Standard Operating Procedures (SOP)

• We value your existing investment through flexible integration with existing system already installed

• Data security is our main concern, hence we do not use open source code nor expose our client data to public domain

• Our solution supports event-based & rules-based ticklers for exceptions captured on financial and non-financial covenants eliminating the need for manual tracking and follow ups

What is ideal? With today's rapidly changing business landscape, demanding market against regulatory oversight, what might seem ideal today may not remain so in the next 3-6 months.

Our Objective

• Promote efficient common processes & procedures, which minimise costs and processing time, while maintaining strong portfolio quality

• Leverage technology to increase productivity allowing reinvestment of department’s time on higher return activities

• Consistent processes yet flexibile to a rapidly changing environment

• Prompts credit professionals to consider various aspects of a customer so as to create more business value

• Delivers transparency in both quantitative and qualitative aspects througout the organisation for all stakeholders

• Centralized data management using common file formats (store relevant documents in MS Word, Excel, PDF),

Main Features• Comprehensive and flexible to adapt to

your market (from Micro Banking to Corporate-scale Structured Finance) as well as your organization’s scale

• Enforce compulsory information integrity, standard reporting design, layout & structure

• Flexible architecture allows specific reports (data intensive and in tabular format) to be exported to commonly available file formats e.g. MS Excel, Word

• User friendly Graphical User Interface plus step-by-step guidance will significantly reduce learning time for new recruits and expanding organisations

Common Business Process Management

OpportunityBusiness Activity

Monitoring

Business Relationship Management

Scoring/Rating

Credit Application & Approval

Process

Document Management

Covenant & Collateral

Monitoring

Preliminery Assessment

Repayment Source Analysis

Loan Packaging

Loan Management

Financial Spreadsheet

Group Relation &

Value Chain Management

Risk Profile Analysis

Module Lineup and AddonBusiness Relationship

ManagementDocument Management

Individual Business Partner

Customer License Document

Credit Approval Memorandum

Credit Forms

Corporate Business Partner

Customer Legal Document

Group Relationship Management

Customer Financial Document

Value Chain Management Customer Misc Document Credit Memo Credit Status Report

Credit Agreement Document

Memo Document

Correspondent Document

Credit Application

Business AnalysisFacility StructureCollateral EvaluationBank Relationship

Preliminary ApprovalTemporary ExtensionWaiver MemoAppeal Memo

KYC & AMLFacility ActivationFacility Disbursement

Document ChecklistTrade CheckingVisit Report

Module Lineup and AddonBusiness Activity

ManagementCredit Monitoring Credit Risk Tools Financial Analysis &

Modeling

Pipeline Tracking Annual Review Reminder Industry Risk Rating Proforma Cash Budget

Credit Approval Tracking Document Deficiency Obligor Risk Rating SME Financial Spreadsheet

Covenant Monitoring Customized Scoring/Rating

Financial Model

Limit Report Customized Financial Spreadsheet

Vendor Panel

Industry LimitGroup LimitObligor Limit

Our CMS in Action…Bilingual…We value data security, our CMS will run within your internal network. Flexible enough to allow users to work offline for several features…

Download Video at:

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Our CMS in Action

Download Video at:

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…Comprehensive, wrapped withUser friendly Graphical User Interface, spanning from Business Partner Management prior to origination to Loan Management…

Our CMS in Action …Store all your customer information from Birthday, images of Business Card, IDs to Legal Documents with ease…

Download Video at:

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From SME to Structured Corporate Financing

Download Video at: CMS-Video-4

Our CMS in Action…Enforce compulsory information integrity, standard reporting design, layout & structure ……Yet flexible to allow specific reports (data intensive and in tabular format) to be exported in MS Excel or MS Word…

Download Video at:

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For further information and full demo please contact:

Jakarta:Banu Himawan+62 812 8568 808banu.himawan@gmail.com