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To automate the loan appraisal cycle, real-time monitoring of limit and exposure with required MIS.
Pain Points
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1
Manual handling of loan appraisal.
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2
No proper due diligence process in granting the loan.
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3
Missing RAROC process.
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4
Cannot support multi-facility offered to the customer.
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5
Difficulties in launching new product offerings.
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6
Missing Real-time exposure monitoring.
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7
No warning message on breach of permissible drawn of limit.
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8
No provision to maintain Financial or non-financial collateral.
Solution Given
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1
CARE Risk - Kalypto/Credit - (Internal Ratings, Capital Charge, Limit Monitoring, Other Regulatory & MIS Reports)
Solution Highlights
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1
The bundled solution offered automation to the Lending and underwriting process.
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2
Efficient user audit trail, controls, workflow, traceability, authorization and hierarchy approvals mapped as per bank's policies with exception handling.
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3
Serial and Parallel workflow resulted in improved TAT by 20%.
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4
With multiple new products Bank was able to grow the asset’s book substantially.
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5
Sharing of collateral and charge linkage was possible allowing the bank to offer extra credit to the deserving borrower.
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6
Parametric Limit Monitoring Module which generated alerts and notifications for exception management, thus enabling the bank to effectively monitor the credit portfolio in line with policies formulated by management.
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7
The whole computation process is automated using a trigger-based approach.
Key Benefits
Benefits of the Case Study to help you understand our Product and reach of Services in a more convenient way
Case Studies
Banking
Corporate
Infrastructure
