QUALCO LOAN MANAGER

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.