Smarter, Better, Faster LOAN PROCESSING.

PCES – Loan Origination, a web-based application that manages and automates the entire loan origination process. The application has a modular basis, while highly configurable and scalable to various business requirements.

It automates the lending process at all stages; from loan application by the applicant, submission of appropriate documentation, through the lender’s assessment of the application, and finalizing with loan granting.

The application facilitates the generation of all supporting documents and contracts regarding the loan origination process.

Advantages

• With digitized and automated actions within the credit process, the PCES software solution accelerates the time needed to process loan applications.
• Increase your company’s operational effectiveness with easy-to-use dashboards, a 360-degree view of your customers, and reporting from one single source of data.

All types of loans

Servicing from SME’s, thru MFI’s, up to large Bank’s…
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Loan Application

Onboarding of new customers, Creating dossier and Loan application.

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Collateral Management

Capture all the collateral details of the loan based on the following collateral types: Pledge, Guarantor, Mortgage, and Cash collateral. If the collateral is agreed on, Collateral Agreement Document is created.

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Client Category

Categorize clients based on the predefined categorization set by the financial institution and based on categorizing the client with the Applicable Regulations.

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Committee decision

Crucial to determine whether the lender will grant the request for funds or credit.

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Tranche Application

Defining different ways of loan payments.

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Approval

Loan agreement generation
Sign Agreement

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Disbursement

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Outstanding loans

Benefits to financial institutions

► Cost-effective

Automated loan processes induce time savings, better efficiency, reduction in operation costs, and better results.

► Increased revenue

Streamlined credit process, credit management, operational risk, and business decision optimization, will propel revenue growth and expansion of your loan portfolio.

► Faster decisions, lower risk

A client categorization and 360-degree view of your customers results in enhanced decision-making.

► Increased productivity & efficiency of Loan officers

Automated manual tasks and workflow of your UPGRADED lending process and implemented staff collaboration, enable your loan officers to streamline their work thus increasing productivity and efficiency.

► More clients

This innovative, functional, and flexible software product will enable your institution to service more clients faster.

► Paperless

Automated routine tasks and streamlined workflow reduce paperwork.

► Improved communication and customer experience

Convenient 24/7 access to client information and reduced loan decision turn-time will result in more satisfying returning and newly acquired customers.

►Dedicated support

Exceptional product interaction experience is crucial to our clients. Therefore PCES’s efficient and fast technical support will guide you during the installation and test period of the software.

DEMO

FAQs

What is a loan origination application?

LOA is a digital tool or software solutions for the automation of loan origination workflows at banks or other financial institutions. A loan origination system is used to streamline and manage the lending process end-to-end—from the loan application, through to the underwriting check, approval, processing documentation, pricing, fund disbursement, and administration.

How does the PCES loan origination platform work?

The modular basis of the PCES Loan Origination makes it highly scalable and configurable to any business requirement. The deployed system streamlines and automates all stages of the lending process.

What are the different types of loan origination systems?

There are no specific types of Loan Origination Systems. A robust loan origination system has all the necessary components and modules to automate the process of lending independent of loan, customer, or financial institution type. The modules can be either used separately or altogether, ensuring a smooth customer experience and seamless, timely loan origination and servicing.

Which technology does a PCES loan Origination use?

The PCES Loan Origination software solution is a web based application built using JavaScript running on C# .Net Framework backend services hosting data on a SQL Server.

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