QUALCO LOAN ORIGINATOR

Streamline the Loan Origination process with a highly configurable and scalable platform.

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QUALCO LOAN ORIGINATOR

LOAN ORIGINATION SOFTWARE

AUTOMATE THE LOAN ORIGINATION PROCESS EFFORTLESSLY

QUALCO Loan Originator is an automated loan approval system designed to help creditors and lending institutions stay competitive in the ever-changing market and meet regulatory requirements. Our system streamlines securely and efficiently the origination processes of various financing products, including credit cards, mortgage loans, consumer loans, corporate loans, and instant credit. Loan applications can be accessed online through multiple channels such as bank branches, call centers, merchants, internet banking, and web portals for a simplified and streamlined loan experience.

solution

WHAT IS THE RPA ACCELERATOR?

QUALCO RPA Accelerator is a technology-agnostic solution that accelerates the development and deployment of RPA implementations across industries.

It features a library of modules and a set of comprehensive processes, principles, and best practices, all supported by program management processes, allowing you to tailor our solution to your specific business needs.

 

Our technology ensures:

  • Successful deployment
  • Optimal process identification 
  • Impeccable service support

KEY BENEFITS

faster_loan_approval

FASTER LOAN APPROVALS

Simplify and automate loan origination process from loan application to loan disbursement, making applying for a loan quicker and easier and benefit from faster processing and reduced time required for approvals.

increased_transparency

INCREASED TRANSPARENCY

Give customers up-to-date information on the progress of their loan applications to enhance transparency and reduce uncertainty.

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IMPROVED ACCURACY AND EFFICIENCY

Make loan evaluations accurate, reduce errors, and prevent fraud. Streamline loan origination processes for efficient execution by stakeholders, from Branch Managers to Credit Officers.

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GREATER BUSINESS AGILITY

Respond rapidly to changing demands with tools such as Product Factory, Product Profiler and workflow design tools. Design and propose new loan products and easily define business workflows per product category.

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INTEGRATION AND DATA COLLECTION

Collect data for all customer information through integration with internal and external sources to simplify the loan origination process and allow the implementation of rule-based decisions.

 

enhanced_risk_management

ENHANCED RISK MANAGEMENT

Use the right tools for credit analysis and underwriting to reduce the risk of loan defaults and improve overall portfolio performance.

regulatory_compliance

REGULATORY COMPLIANCE

Automate compliance checks and create reporting and audit trails to ensure regulatory requirements and industry standards are met to mitigate risk and avoid costly penalties.

 

better_customer_xp

BETTER CUSTOMER EXPERIENCE

Minimise the time and steps required to complete a loan application process and benefit from higher customer satisfaction and loyalty.

 

capabilities

REALISING MAXIMUM POTENTIAL FOR SUCCESSFUL LENDING

  • Create customised loan products tailored to meet your customers’ unique needs. Our solution allows seamless configuration of pricing based on creditworthiness, loan terms, interest rate, and loan amount while also minimising risks and ensuring regulatory compliance.

    CUSTOMISED LOAN PRODUCTS

    CUSTOMISED LOAN PRODUCTS

  • Design and configure the loan origination workflow easily. Define clear stages, tasks, actions, rules, and the logic governing the procedure and ensure that loans are handled efficiently and precisely.

    GRAPHICAL WORKFLOW DESIGN TOOL

    GRAPHICAL WORKFLOW DESIGN TOOL

  • Manage and generate the documents required for loan origination in a simple and efficient manner. Generate documents automatically, from application forms and credit reports to loan agreements and closing documents, to reduce manual effort and ensure accuracy.

    AUTOMATED DOCUMENT MANAGEMENT

    AUTOMATED DOCUMENT MANAGEMENT

  • Calculate quickly and efficiently standard loan indices, such as interest rates, loan-to-value ratios, debt-to-income ratios, and payment schedules. Use in-depth business rules, to price correctly and efficiently loan products and assess their credit risk.

    LOAN INDEX CALCULATOR

    LOAN INDEX CALCULATOR

  • Gain a 360° view of your customer's financial data with real-time information on account balances, transaction history, credit scores, and more via internal and external integrations. Make informed lending decisions that improve customer experience and optimise your loan products.

    SEAMLESS INTEGRATION AND DATA COLLECTION

    SEAMLESS INTEGRATION AND DATA COLLECTION

  • Track and log all loan application activities and associated data within the system. With our platform, you can maintain data integrity, follow regulatory requirements and provide transparency and accountability in loan origination.

    LOAN ACTIVITIES TRACKING

    LOAN ACTIVITIES TRACKING

  • Monitor and analyse loan origination data to turn valuable insights into key performance indicators (KPIs) and identify areas of improvement and product innovation areas. Trust our solution to optimise your loan origination process and improve customer satisfaction.

    DATA-DRIVEN DECISION MAKING

    DATA-DRIVEN DECISION MAKING

  • Provide a seamless user experience across channels, including desktop, mobile and other digital touchpoints through APIs, to improve loan origination performance. Keep all stakeholders connected and informed with event-driven notifications, ensuring they are up to date.

    MULTI-CHANNEL EXPERIENCE & COLLABORATION

    MULTI-CHANNEL EXPERIENCE & COLLABORATION

  • Leverage access control features that restrict access to loan origination data and functionality to authorised users only. The software meets industry standards such as GDPR to ensure secure and compliant processing of loan origination data following regulatory requirements.

    enterprise_level_security

    ENTERPRISE-LEVEL SECURITY

  • CUSTOMISED LOAN PRODUCTS

    CUSTOMISED LOAN PRODUCTS

    Create customised loan products tailored to meet your customers’ unique needs. Our solution allows seamless configuration of pricing based on creditworthiness, loan terms, interest rate, and loan amount while also minimising risks and ensuring regulatory compliance.

  • GRAPHICAL WORKFLOW DESIGN TOOL

    GRAPHICAL WORKFLOW DESIGN TOOL

    Design and configure the loan origination workflow easily. Define clear stages, tasks, actions, rules, and the logic governing the procedure and ensure that loans are handled efficiently and precisely.

  • AUTOMATED DOCUMENT MANAGEMENT

    AUTOMATED DOCUMENT MANAGEMENT

    Manage and generate the documents required for loan origination in a simple and efficient manner. Generate documents automatically, from application forms and credit reports to loan agreements and closing documents, to reduce manual effort and ensure accuracy.

  • LOAN INDEX CALCULATOR

    LOAN INDEX CALCULATOR

    Calculate quickly and efficiently standard loan indices, such as interest rates, loan-to-value ratios, debt-to-income ratios, and payment schedules. Use in-depth business rules, to price correctly and efficiently loan products and assess their credit risk.

  • SEAMLESS INTEGRATION AND DATA COLLECTION

    SEAMLESS INTEGRATION AND DATA COLLECTION

    Gain a 360° view of your customer's financial data with real-time information on account balances, transaction history, credit scores, and more via internal and external integrations. Make informed lending decisions that improve customer experience and optimise your loan products.

  • LOAN ACTIVITIES TRACKING

    LOAN ACTIVITIES TRACKING

    Track and log all loan application activities and associated data within the system. With our platform, you can maintain data integrity, follow regulatory requirements and provide transparency and accountability in loan origination.

  • DATA-DRIVEN DECISION MAKING

    DATA-DRIVEN DECISION MAKING

    Monitor and analyse loan origination data to turn valuable insights into key performance indicators (KPIs) and identify areas of improvement and product innovation areas. Trust our solution to optimise your loan origination process and improve customer satisfaction.

  • MULTI-CHANNEL EXPERIENCE & COLLABORATION

    MULTI-CHANNEL EXPERIENCE & COLLABORATION

    Provide a seamless user experience across channels, including desktop, mobile and other digital touchpoints through APIs, to improve loan origination performance. Keep all stakeholders connected and informed with event-driven notifications, ensuring they are up to date.

  • enterprise_level_security

    ENTERPRISE-LEVEL SECURITY

    Leverage access control features that restrict access to loan origination data and functionality to authorised users only. The software meets industry standards such as GDPR to ensure secure and compliant processing of loan origination data following regulatory requirements.

loan-originator-schema

 

industries

USE CASES

BANK CREDIT

QUALCO Loan Originator automates approvals for consumer-secured and unsecured loans, credit cards, and corporate loans. It streamlines data collection, credit risk assessment, and document management. Banks can quickly and accurately evaluate borrower information using advanced loan application workflow management to determine creditworthiness and ensure regulatory compliance.

MORTGAGES

Banks or servicers who manage loans and want to restructure an existing mortgage loan can benefit from QUALCO Loan Originator to effectively manage and process mortgage restructuring applications, evaluate borrower creditworthiness, and monitor loan application performance over time. The platform can generate loan terms and conditions, facilitate underwriting and funding, and provide reporting and analytics on mortgage loan portfolio performance.

INSTANT LENDING

Our software solution automates the entire loan origination process, including data collection and analysis, credit assessment, and loan approval enabling digital channels such as a web banking portal or a mobile app to offer instant lending products. The digital journey eliminates the need for customers to visit a branch or meet with a loan officer. This results in a faster, more convenient, and cost-effective loan application and approval process for a credit institution.

INSTANT LENDING

Our software solution automates the entire loan origination process, including data collection and analysis, credit assessment, and loan approval enabling digital channels such as a web banking portal or a mobile app to offer instant lending products. The digital journey eliminates the need for customers to visit a branch or meet with a loan officer. This results in a faster, more convenient, and cost-effective loan application and approval process for a credit institution.

MERCHANT CREDIT

Our software solution allows merchants to manage applications, assess credit risk, and make informed decisions. The software tracks application processes generate reports and facilitate communication with customers. Retailer organisations benefit from reduced processing time, improved efficiency, and better customer experience, leading to increased returns and enhanced customer relationships.

technology

UNDERLYING TECHNOLOGY

QUALCO Loan Originator is a scalable and reliable web-based platform powered by J2EE technologies and built on a multi-tier architecture using open-source technologies using Tomcat and Apache servers. It can be deployed on-premises or in the cloud and is compatible with Windows and Linux-based infrastructures. The platform is vendor-agnostic and supports all major database systems (e.g. MySQL, Oracle, Postgres, MariaDB).

Derived from our industry expertise and knowledge, we unlock the power of RPA and deliver successful implementation bespoke to your needs with a fast ROI. Our comprehensive framework provides an effective RPA deployment approach for organizations in the following three phases:

 LΙΝΚ TO SOLUTIONS PAGE
RPA-Methodology-step 1-488x400
Proof of Concept (PoC) 

We identify suitable automation use cases through discovery workshops and define the selection criteria. Then we create the first Proof of Concept (PoC) to demonstrate automation's benefits and business impact. The next step is the development of the selected automation use cases using appropriate RPA tools.

 LEARN MORE
RPA-Methodology-step 2-488x400
Center of Excellence (CoE) Setup

By setting up a Center of Excellence (CoE), we establish a Minimum Viable Product (MVP) framework to kick off RPA developments, determine and construct a governance model and define the business benefits tracking methods. Together we set up selection criteria for the right tools and partners for your automation journey while CoE manages the infrastructure and licenses.

 LEARN MORE
RPA-Methodology-step 3-488x400
Scale Up

Through CoE operation and RPA support, we deliver a fully-fledged centralized RPA service to the entire organisation. At the same time, we provide support in the DevOps model as part of the CoE team until we reach a critical volume of production implementations.

 LEARN MORE

rpa adoption

START YOUR RPA JOURNEY

Derived from our industry expertise and knowledge, we unlock the power of RPA and deliver successful implementation bespoke to your needs with a fast ROI. Our comprehensive framework provides an effective RPA deployment approach for organizations in the following three phases:

Proof of Concept (PoC) 

We identify suitable automation use cases through discovery workshops and define the selection criteria. Then we create the first Proof of Concept (PoC) to demonstrate automation's benefits and business impact. The next step is the development of the selected automation use cases using appropriate RPA tools.

RPA-Methodology-step 1-488x400
Center of Excellence (CoE) Setup

By setting up a Center of Excellence (CoE), we establish a Minimum Viable Product (MVP) framework to kick off RPA developments, determine and construct a governance model and define the business benefits tracking methods. Together we set up selection criteria for the right tools and partners for your automation journey while CoE manages the infrastructure and licenses.

RPA-Methodology-step 2-488x400
Scale Up

Through CoE operation and RPA support, we deliver a fully-fledged centralized RPA service to the entire organisation. At the same time, we provide support in the DevOps model as part of the CoE team until we reach a critical volume of production implementations.

RPA-Methodology-step 3-488x400
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