Tier-1 and mid-sized lenders servicing a domestic or regional clientele require adaptable lending solutions implemented on competitive platforms and assuming high levels of productivity. For loans administration, we offer advanced business solutions to help companies deploy next generation applications and architecture quickly and efficiently. In today's volatile markets, financial institutions are under pressure to improve margins on their loans and to improve credit risk management.  These challenges require agile responses and therefore flexible and responsive products.

ComponentBanker covers all aspects of sophisticated loan management for the entire loan life cycle for all products (mortgage, consumer, SME and revolving). From application and origination, through servicing, to arrears management, ComponentBanker supports front, middle and back office operations.

The Solution offers:

• Significant cost savings
• Process optimisation
• Improved time-to-market
• Improved customer services
• Back office consolidation (centralisation)
• Improved lending decisions
• Complete customer view

The lending solution is delivered as two complimentary product sets:

Originator
The front and middle office solution manages the loan application process based on complete automation respecting authorisation and loan approval rules. This supports the decision-making process and management of the application. The Originator utilises advanced workflow management allowing variation to the process depending on distribution channel and application type. This enables the integration of third party processes and thus provides full support for chain integration, STP and the opportunity for the fast processing of loan applications.

Service Centre
The back office solution increases productivity dramatically as the handling process is managed entirely though workflow. It provides an easy and efficient way to service new products, manage securitised loans, handle multiple labels from single system and automate arrears management. It provides compliance with regulatory obligations.
The Service Centre can be implementated in a short-time frame to meet fast changing market demands.