Acquire most profitable accounts and cut operational costs.
Increase loan application processing efficiency.

Scorto™ Loan Decision allows automating loan origination process, borrower evaluation and loan underwriting through the use of scoring techniques and decision analytics.

This decision management system enables lending organizations to minimize financial risk exposure and increase operational efficiency. Proven scoring techniques allow evaluating and projecting the credit-worthiness of potential customers. System provides flexible management of the lender’s credit rules, credit policies and scoring models. Wizard-based business process modeling engine eliminates vendor dependency and internal IT staff involvement.


  • Automation of decision-making and borrower evaluation cycle;
  • Automatic calculation of optimal loan parameters: loan amount, term of the loan, interest rate etc;
  • Customer risk segmentation;
  • Flexible management of the lender's credit rules, credit policies and scoring models;
  • Remote access for distributed sales points;
  • Setting individual evaluation processes for different products, portfolio segments and business lines;
  • Evaluating the efficiency and adequacy of the loan origination system's performance and staff productivity;
  • Ability to swiftly adjust credit policy (new lending rules, changes in lending rules, appropriate risk margin).

The system covers various types of retail lending: consumer lending, credit cards, internet lending, automobile lending, mortgage lending. With Scorto™ Loan Decision, financial organizations can improve loan portfolio quality, reduce operational costs, improve regulatory compliance and control bad debt losses. Loan application processing systems also allow lenders to acquire high-value customers and increase employee productivity.

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