QUALCO LOAN MANAGER

QUALCO LOAN MANAGER

A comprehensive, web-based, loan administration platform that empowers lending operations within a robust, flexible, and secure system.

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OVERVIEW

RELIABLE  LOAN ADMINISTRATION 

QUALCO Loan Manager offers powerful functionality that covers all stages of the loan lifecycle, including origination, frontload migration, modification, restructuring and rescheduling, while allowing you to manage performing and non-performing portfolios. 

It supports:

  • Secured and unsecured consumer loans
  • Small business loans
  • Commercial real estate loans
  • Corporate loans 
  • A wide range of interest rates and repayment structures
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Key benefits

Key Benefit Time Icon

Decreases time to market of new products and delivery of functionality.

Key Benefit Simplify Icon

Simplifies system integration with flexible architecture for core banking, payment, ERP, and collections systems through APIs.

Key Benefit Functionality Icon

Enriches loan functionality for performing and Non-performing loans with restructuring, rescheduling, interest billing and collection options.

Key Benefit Interface Icon

User-friendly web-based interface with a contemporary look and feel and easy navigation, that increases user engagement.

Key Benefit Cost Icon

Reduces cost of in-house development and everyday operations efforts.

POWERFUL FUNCTIONALITY

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The restructuring process has never been easier

  • QUALCO Loan Manager enables parallel restructuring stream building, binding distinct repayment and interest plans within the same loan account.
  • It supports the normalisation 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.

ARCHITECTURE

Modular Architecture

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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.

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CUSTOMER & ACCOUNT SETUP

Provides management of loan accounts from setup to modification, as well as simple, ro- bust maintenance of customer data.

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FINANCIAL TRANSACTIONS

Enables interactive loan servicing for a wide range of financial events and transactions.

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SECURITY & AUTHORIZATION

Applies and follows all modern security and authorization principles to ensure transparency and user control.

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OPEN PLATFORM INTEGRATION

Ensures integration and migration capabilities through flexibility and openness.

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REPORTING

Displays information in a relevant manner precisely when is needed.

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