QUALCO LOAN MANAGER

QUALCO LOAN MANAGER

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Complete Open Reliable Efficient Loan Administration

QUALCO Loan Manager is a comprehensive loan administration solution that empowers lending operations within a robust, flexible, and secure system.

Holistic Loan Administration Approach

QUALCO Loan Manager is a web-based loan administration platform specifically designed to be an end-to-end solution for loan management and servicing. It is ideal for banks, financial institutions and debt purchasers. Powerful functionality covers all stages of the loan lifecycle, including origination, front-load migration, modification, restructuring and rescheduling, while allowing you to manage performing and nonperforming portfolios.

It supports secured and unsecured consumer loans, small business loans, commercial real estate loans, and corporate loans (among other types), as well as a wide range of interest rates and repayment structures. You can activate new products with just a few clicks, allowing you to run your business and adjust to market changes quickly and efficiently.

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The key benefits of QUALCO Loan Manager

Decreases time to market of new products and delivery of functionality
Decreases time to market of new products and delivery of functionality
Simplifies system integration with open and flexible architecture for core banking, payment, ERP and collections systems through APIs
Simplifies system integration with open and flexible architecture for core banking, payment, ERP and collections systems through APIs
Enriches loan functionality for performing and non-performing loans with restructuring, rescheduling, interest billing and collection options
Enriches loan functionality for performing and non-performing loans with restructuring, rescheduling, interest billing and collection options
User friendly web-based interface
User friendly web-based interface
Reduces cost of in-house development and everyday operations efforts
Reduces cost of in-house development and everyday operations efforts

Resources from QUALCO

Best practice blogs and guides written by our experts to help you manage all aspects of the debt portfolio lifecycle from methodology through to ethical practices.

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A platform specifically designed for your industry

BANKS
Open and flexible architecture allows rapid integration with core banking systems, reducing both the costs and the risks of in-house development.
FINANCIAL INSTITUTIONS 
Launch and service your loan portfolio with fast, secure migration capabilities from legacy or costly systems.

 

Restructuring process has never been so easy and efficient.

QUALCO Loan Manager enables parallel restructuring stream building, binding distinct repayment and interest plans within the same loan account. It supports the normalization of non-performing accounts combining different repayment schedules with a distinct interest rate for each period, and the capability to split the total debt into partitions of a single account with unique maintenance and balance monitoring. It enables the balance transition across different streams in order to apply ad hoc or future debt restructuring.

The main streams are:


Normal Plan: It aggregates the total balance which generates the instalment amortization schedule while forming the main stream for the bucket segmentation.
Warehouse Plan: Is the temporary balance stream for short-term debt review with the capability of distinct interest calculation or freeze option.
Debt Forgiveness Plan: Is the stream acting as the repository of the potential debt to be written off based on conditional debt forgiveness rules engaging customer’s payment consistency.

 

Modular Architecture


 

Product Setup


A complete suite of tools for restructuring and rescheduling, with several pricing setup options to form combined repayment plans and interest periods for any loan lifecycle.
  • Thresholds
  • Repayment Plans
  • Interest Rates
  • Payments Prioritization
  • Fees and Commissions
  • Currencies


 

Customer & Account Setup


Provides management of loan accounts from setup to modification, as well as simple, robust maintenance of customer data.
  • Account Maintenance
  • Customer Management
  • Contract Management
  • Customer Statement



Financial Transactions


Enables interactive loan servicing for a wide range of financial events and transactions.
  • Payments
  • Restructuring/Refinancing
  • Interest Calculation
  • Billing
  • Accounting
  • Arrears
  • Financial Adjustments


 

Security & Authorization


Applies and follows all modern security and authorization principles to ensure transparency and user control.
  • Audit Trail
  • Role Access
  • Four-eyes Principle
 


 

Open Platform Integration


Ensures integration and migration capabilities through flexibility and openness.

 


 

Reporting


Displays information in a relevant manner precisely when is needed.
 

 

Interested in learning more about QUALCO Loan Manager?

 

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Contact QUALCO

With offices around the world, we’ve always got an open door. Contact us so we can provide the right solution for your debt portfolio management needs.

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