From application to approval, with every check on the record
Applications from your website, WhatsApp, email, branches and relationship managers land in one queue. The AI prepares the file, checks run on it, and your credit officers approve before a loan is booked.
Every application starts in the same place
Customers apply online through your own form, and staff key in branch, phone and WhatsApp enquiries. All of them become one application on one queue, matched to the client record when the person is already a client.
Loan origination by the numbers
- Policy
- pricing limits checked before a loan is booked, including statutory caps where they apply
- 2
- people on every approval: a maker and a checker
- 1
- queue for applications from every channel
- EN + 繁中
- application forms and staff screens
One queue for every channel
Online applications and staff-entered enquiries wait in the same approval queue, with the channel, amount and tenor on each one. Staff claim an application so two people never work the same file.
- Online form, walk-in, phone, WhatsApp and email
- Claim an application before working it
- Returning borrowers matched to their record
- Nothing sits in one person's private inbox
Checks on the file, not in a spreadsheet
Identity details, documents, the debt-service ratio and the borrower's other loans sit on the same file the approver opens. The scorecard adds reasons, the AI prepares the file, and your credit officers approve.
- Identity details and documents for staff review
- Debt-service ratio and your pricing limits tested
- UN sanctions screening on every applicant
- Built-in scorecard with reason codes
Maker and checker on every decision
One person proposes an approval or a decline; a second person confirms it. Approval matrices by staff level send larger facilities to someone with the authority to approve them.
- Proposal and confirmation by different people
- Approval limits by staff level
- Withdraw a proposal before it is confirmed
- Every step written to the audit trail
Approved means ready to service
When a loan is booked, its terms, schedule and agreement come from the same record the approver signed off, so servicing starts without retyping.
- Repayment schedule built at booking
- Printable loan agreement from the loan record
- Disbursement with maker and checker
- The application stays on the borrower's history
See it on your own loan book
We set up a personalised demo around your own products and workflows, then your team tries it before you decide.
Book a personalised demo