Purpose: SME loan data input, processing, rating, SME lending decision support, SME loan account management.

Banks need Scorto™ Loan Manager because:

  • Because bad debts are costlier for SME debts than for other retail loans
  • Skilled resources should be used efficiently, and no one can provide aid for this like Scorto
  • Operational costs for SME loans should be decreased, and operational efficiency increased
  • Tough competition on SME market requires constant credit strategies improvement and correct performance measurement

Concept and Key tasks:

  • Financial analysis of a would-be borrower’s business Automation of SME loan application processing
  • Risk-based pricing
  • Credit risk assessment throughout the entire loan lifecycle
  • Companies scoring, rating and segmentation
  • Evaluation of payment dynamics, credit risk assessment and estimation of PD, EAD and LGD and other parameters required for calculating the RWA (Basel 2)
  • Cross-Sell/Up-Sell decision support
  • Business Rules/Process Management for SME lending
  • Automated re-evaluation of default risk and financial ratios for SME analysis

Value Proposition

  • Complete SME Lending Business Rules, Business Process, and Risk Management System
  • Incredibly intuitive and easy to use with simple drag-drop, and point & click user interfaces
  • Capable of scoring project-based, trade based, simple commercial loans, and other types of programs
  • Designed specifically for SME lending (not a customized version of a tool designed for consumer lending)
  • Applicable to multiple lending vehicles and program types
  • Provides some CRM functionality
  • Low level of involvement from expensive resources (IT Staff, etc.) for regular operational needs or changes

Examples of Industries and Applications:

  • Banking and Finance:
    • Automation for all aspects of the SME Loan Lifecycle
    • Credit risk scoring, management and automated re-evaluation of various aspects of the small and mid-sized business
  • Factoring companies:
    • Evaluation of small and medium business before purchasing from them accounts receivable
    • Large manufacturers and wholesalers
    • Making decisions about providing trade credit lines to distributors and retail shops
  • Government funds for small business support
    • Selecting right targets for financial assistance (loans or investments)

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