Loan Origination software by COMARCH

Which client segments would you like to cater to?

Comarch Loan Origination software provides solutions for all segments: retail, SME, and corporate.

loan origination engine

Which credit products would you like to deliver?

The platform incorporates a full portfolio of credit products – starting from quick loans for retail customers, through mortgage origination processes, to complex business loans for SMEs or corporations. Comarch Loan Origination software also supports multi-product and multi-entity agreements plus different cross- and up-sell strategies.

Retail loans
  • Cash loans
  • Installment loans
  • Credit cards
  • Revolving loans
  • Overdraft facility
  • Consolidation loans
  • Car loans
  • Student loans
Commercial loans
  • Investment loans
  • Working capital loans
  • Overdraft facility
  • Credit accounts
  • Credit/charge cards
  • Preferential loans
  • Refinance loans
  • Guaranties and warranties
  • Letters of credit
Mortgages
  • Mortgage loans
  • Equity loans
  • Refinance mortgages
  • Bridge loans
  • Bullet loans
  • Fixed and variable rate loans
  • Mortgage credit insurance
Comarch Loan Origination

What can our loan origination software do?

Comarch Loan Origination system is a comprehensive tool that will run all stages of the lending process starting from data collection all the way to fund disbursement – automating all the steps in between. It is designed to fit the market need for digital and automated lending experience.

loan origination main process

CLO main processes

Key benefits

Automated processes
Increased productivity
Easy integration
Quick implementation

What’s in it for your lending business

  • Process automation supporting the digital transformation of your lending processes
  • Considerably decreased time needed to process credit applications
  • Single lending platform – comprehensive info about the loan origination business
  • Dashboards to monitor sales structure and volumes
  • Increased productivity – less repetitive tasks
  • Task management – to coordinate team efficiency
  • Low code solution – quick adjustments to changing legal or market conditions, no IT expertise needed
  • Cost savings – you pay only for modules that you want to use
  • 6 months to go-live

lending business

Ready to go, mature product – choose modules you want to implement. Then expand them as you please – with new features, business segments, loan products, and processes.

What’s in it for your employees

  • Reduced risk of error – the system guides the user and ensures data consistency
  • Single data entry – no need to type the same data multiple times
  • Automated flows – no time-consuming processes
  • Paperless approach, documents kept and distributed in a digitalized form
  • One tool for all process actors, internal communication tooling included
  • My Inbox – to easily manage all incoming cases accordingly to SLA priorities

what's in for your employees

What’s in it for your customers

  • Apply from anywhere – multichannel approach: mobile application, online portal, meeting in a branch
  • Fast pre-qualification and credit decision
  • Digital document flow
  • Notifications about application statuses
  • Decision and fund disbursement within minutes for simple loans

what's in for your customers

Shorten your processes by 30 to 70% for simple products. Reduce your costs and mitigate credit risk with Comarch Loan Origination software.

What’s in it for risk and compliance dept

  • PSD II and Mortgage Credit Directive (MCD) compliance
  • Quick adaptation to changing legal requirements
  • Process auditability – full record of process history including data of participating users, modifications dates and loan statuses
whats in for risk and compliance dept

What’s in it for your IT dept

  • Platform based on well-tested, reliable solutions
  • Scalability, high performance, and availability
  • Possibility to run in a variety of client and server environments
  • Modern architecture and open API approach for easy integration with external and legacy systems
  • Low code visual webservices editor

what's in for your IT department

How we implement loan origination software

  • We deliver a mature product to start with and then it can be optimized to your business needs
  • We implement quickly in stages using Agile methodologies
  • We provide the know-how of experienced business analysts, IT and UX experts
  • We help you employ new ideas and processes, both during the implementation and after the roll-out

Comarch Loan Origination system modules

loan origination for small and medium enterprizes
CLO modules

BUSINESS MODULES

DOCUMENT GENERATION MODULE

Configure new document templates or easily adjust the existing ones. Quickly add new legal clauses or other paragraphs; you can make their visibility dependent on specific loan conditions. Completed printouts are generated in MS Word or PDF format. Document checklists for the customer are generated automatically.

DOCUMENT MANAGEMENT MODULE

Attach digitalized documents to dedicated placeholders on the checklist and link those documents to a specific customer or loan applications. All attached documents are archived in the repository and can be searched and viewed by authorized users.

SCORING MODULE

Design and implement strategies for the assessment of loan applications and credit risk related to a credit decision, and, in a wider scope, to the total debtor base. The use of the scoring module results in lower credit risk and improves the quality of the entire debt portfolio. Calculations can be based on quantitative and qualitative data coming from loan origination system and / or other systems.

FINANCIAL SPREADING MODULE

Collect and analyze financial data using a predefined set of financial statement templates. The data can be captured from other systems and xls files or filled manually. Calculated financial ratios ensure better knowledge on your customer’s financial standing and result in more efficient credit risk management.

COLLATERAL MODULE

Define and register collaterals in credit processes and synchronize them with master collaterals database. This includes debt securing assets, it’s legal form, and valuation. Collateral once registered in the system can be used many times within other processes for the same customer.

COMPANY RELATIONS MODULE

Define customer’s organizational structure, economic, personal and ownership connections. Keep the information in one place, nicely presented in graphical form. Make it easier to identify and keep track of the ultimate beneficiary owner.

COVENANT MODULE

Simplify covenant management with proper covenants added automatically to loan agreements based on loan type, credit amount, or risk rate. Covenants are stored in the system and centrally managed. If needed, you can adjust covenants within a predefined range – the system will guide you on which adjustments you can make.

ADMINISTRATION MODULES

PROCESS MANAGEMENT MODULE

Intuitive graphic editor that allows you to configure lending processes with no need for expert IT knowledge. A short training will be enough to start using the tool. You can assign process tasks to users/roles, define timeouts for specific tasks, or validate the correctness of the process.

SCREEN MANAGEMENT MODULE

Manage user input forms: define questions and answers, assign default answers or add descriptions to question (tips). You can also configure checklist of documents required from customers.

INTEGRATION MANAGEMENT MODULE

Easily integrate the Comarch Loan Origination system with other existing internal or external systems and databases. You can configure webservices using graphical, intuitive editor which makes it possible for non-technical users to carry out tasks that otherwise would need to be performed by programmers.

BUSINESS CONFIGURATION MODULE

Define parameters that are frequently changed, such as origination fee, and allow authorized business users to make modifications. Validations and warning texts can also be easily customized, with multilanguage configuration available.

USER MANAGEMENT MODULE

Manage user access rights including:

  • user account setup
  • user authentication and authorization
  • security policy management and security breach notifications
  • user absence management
  • easy integration with LDAP, AD
  • SSO support

You might also like

Comarch Banking Software clients
  • ING
  • BNP Paribas
  • IdeaBank
  • Raiffeisen
  • Alior
  • TMB bank
  • DNB
  • Livelo
  • Banque populaire des alpes
  • Credit Suisse
  • Jack Henry
  • Nedbank
  • Old mutual
Want to learn more?

Tell us about your business needs. We will find the perfect solution.