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Personal loan module consists of application forms, payment plan structures and evaluation processes which are specialized for personal loans. Customer information is processed in this module and every customer is aimed to be matched up with the product which fits best. Personal Loans are offered as New Loan, Top-up Loan, and Buyout Loan.

Features:

  • New Loan Data Entry
    • Loan Details
    • Applicant Details
    • Finance Details
    • Policy Results
    • Additional Information
  • Top-up Loan Data entry
    • Loan Details
    • Applicant Details
    • Finance Details
    • Policy Results
    • Additional Information
  • Buyout Loan Data Entry
    • Loan Details
    • Applicant Details
    • Finance Details
    • Policy Results
    • Additional Information
    • Data Entry Approval
  • Finance Application
    • Customized Application forms
    • Generate unique application number
    • Maintain various interest rates and processing fee
    • Integrate with Rule engine to check the customer's eligibility
    • Support dynamic checklists of documents
    • Define application approval process in workflow
    • Define process flows for different type of loans such as New/Topup/Buyout
    • Automatic routing of applications based on violations
    • Ability to approve, cancel or reject any application

TML Search

  • Approved Employers

Systems Checks

  • Internal Black List
    • Returns customer's internal black list records with input parameters such as Customer CIF, Name, Surname, Birth Date, Nationality, Passport Number
  • Central Bank Rating
    • Returns customer rating as per Central Bank records with input parameters such as Customer CIF, Name, Surname, Birth Date, Nationality, Passport Number
  • Central Bank Bad Cheque
  • World Check
    • Returns customer AML Blacklisting situation
  • Credit Bureau Integration
    • Returns a comrehensive , accurate and up to date repository ofcredit bureau andcheque-honouringinfromation on a case to case basis

Dual authorization performed during credit analysis phase:

  • Maker form
  • Checker form

Deviation Approval

  • Deviation Initiation
  • Deviation Recommendation
  • Deviation Approval

Loan Approval

  • Credit Analyst Level 1
  • Deviation Approval
  • Financial Approval
  • Credit Analyst Level 2

Buyout Loan

  • MC Issuance
  • Additional MC Request
  • Clearance Letter Submission

MIS & Security Reports

  • Processed Personal Loan Applications
  • Personal Loan Application TAT Report
  • Personal Loan Pipeline Report
  • Personal Loan Exceptions Approvals
  • Personal Loan Approvals
  • Personal Loan Cancellations
  • Personal Loan Rejections
  • Personal Loan Buyout Report

De-duplication Logic
Loan Booking Disbursement

  • Integrate with the back-end systems to disburse the loan after final approval on the application
  • CRM sends request to Middleware for posting the Fund Transfer request to the core banking system to transfer funds and disburse loan into customer's account

VeriLoan Customers

  • Qatar Development Bank
  • Şeker Finans

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