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Loan Origination 

A tailored solution to create, manage and automate decisioning processes, workflows and disbursement.

The CRIF Loan Origination solution is a fully tailored solution which facilitates the creation of customised workflows in a very flexible way, enabling automatic and reliable credit decision-making based on qualified traditional and innovative data.

The solution supports both digital and traditional channels, minimising manual data input and paper documentation requirements, providing a fast and reliable response. It comprises building blocks that orchestrate the end-to-end journey, from the pre-screening phase to underwriting and decisioning, to automatic disbursement.

Why Loan Origination? 

All bank products, all customer segments, in just one system only.

All bank products, all customer segments, in just one system only.

Cloud ready, fully supporting microservice architecture.

Cloud ready, fully supporting microservice architecture.

Cost of risk under control, faster time-to-yes, faster time-to-cash.

Cost of risk under control, faster time-to-yes, faster time-to-cash.

Increased strategy and rule flexibility.

Increased strategy and rule flexibility.

IT independent / Low code.

IT independent / Low code.

Operating cost reduction.

Operating cost reduction.

Standardised and centralised governance.

Standardised and centralised governance.

Features Overview

Disbursement: interface with backend systems.

Disbursement: interface with backend systems.

Pre-screening Phase: automatic data retrieval, KYC/AML, traditional data source and open banking data.

Pre-screening Phase: automatic data retrieval, KYC/AML, traditional data source and open banking data.

Underwriting and Decision-Making: decision engine, smart company forecasting, AI/machine learning, risk strategy and policy automation, ESG score.

Underwriting and Decision-Making: decision engine, smart company forecasting, AI/machine learning, risk strategy and policy automation, ESG score.

Workflow System: process orchestration with low/no code, easy integration with external data and backend systems, complex and engaging web interfaces, live document creation, process governance and monitoring.

Workflow System: process orchestration with low/no code, easy integration with external data and backend systems, complex and engaging web interfaces, live document creation, process governance and monitoring.

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With CRIF Loan Origination, there is no need to compromise your digital lending technology and operations. 

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