Credit Value Maximiser
Integrated tool to manage high-value and complicated commercial and corporate loans
CVX is a platform that provides all features needed by a non-retail lender to originate and manage a relationship. It has been architected so that any vendor or legacy solutions can be integrated into the platform, providing a seamless and efficient experience. The platform comes with a comprehensive range of features to help financial institutions in the origination process.
Product Features
| Profile | Single repository to capture client information including company information |
| Financials | Ability to work with relevant Chart of Accounts to various segment types |
| Facility | Creation of new credit limits across a full range of lending products |
| Collateral | Creation of collateral, assignment of collateral on a many to many basis and recording of guarantee structures |
| Covenant | Creation and monitoring of covenants with pre-defined conditions and trigger points. Automoated creation and monitoring enabled leveraging the comprehensive data set in the platform |
| Analysis | Recording key information and lender analysis to enable decision making and maintain records |
| Rating | Probability of default based rating calculations integrating financial data, qualitative inputs and behaviours |
| Pricing | Risk based pricing at facility, entity and group measure with market driven insight and strategy application |
| Workflow | Drag and drop to create loan approval and review workflows, including activities, decision gates and documentation requirement |
Product Advantages
- Capable of complying with bank-level policies and procedures, as well as stringent regulations
- Integrated tool to manage complex loans to improve productivity and reduce loan approval lead-time by over 30%
- Designed to deliver optimal User Experience
- Highly configurable with standardised APIs for integration
- Reporting and analytical capabilities for credit value maximisation
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