Streamline the Loan Origination process with a highly configurable and scalable platform.
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.
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.
Give customers up-to-date information on the progress of their loan applications to enhance transparency and reduce uncertainty.
Make loan evaluations accurate, reduce errors, and prevent fraud. Streamline loan origination processes for efficient execution by stakeholders, from Branch Managers to Credit Officers.
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.
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.
Use the right tools for credit analysis and underwriting to reduce the risk of loan defaults and improve overall portfolio performance.
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.
Minimise the time and steps required to complete a loan application process and benefit from higher customer satisfaction and loyalty.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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