Corporate Loan Origination System by ApPello

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Flexible product definition

The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:

Flexible product definition

The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:

Flexible product definition

The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:

Flexible product definition

The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

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Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.

Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.

Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.

Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.

Financial Statement Analyzer

The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.

Financial Statement Analyzer

The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.

Financial Statement Analyzer

The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.

Financial Statement Analyzer

The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.

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Transparent and smooth customer journey

Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.

Transparent and smooth customer journey

Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.

Transparent and smooth customer journey

Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.

Transparent and smooth customer journey

Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.

Managing Collaterals

Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.

Managing Collaterals

Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.

Managing Collaterals

Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.

Managing Collaterals

Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.

Limit management

The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.

Limit management

The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.

Limit management

The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.

Limit management

The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.

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Covenant Management

Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.

Covenant Management

Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.

Covenant Management

Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.

Covenant Management

Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.

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Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

AI-Powered Document Intelligence

Loan applications often involve a variety of supporting documents, income statements, financial reports, tax certificates, business plans, or even scanned ID cards. These documents typically come in as PDFs, scans, or image files, and going through them manually takes time, increases the risk of errors, and drains resources. Our AI-based Document Intelligence module addresses this by automatically extracting data from these unstructured sources, including image-based formats, and converting them into clean, structured information that can be used right away within the lending process.

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Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

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Embracing ESG Principles

The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.

Embracing ESG Principles

The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.

Embracing ESG Principles

The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.

Embracing ESG Principles

The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.

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Configuration over customization

Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.

Configuration over customization

Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.

Configuration over customization

Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.

Configuration over customization

Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.

Business Configuration

The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:

Business Configuration

The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:

Business Configuration

The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:

Business Configuration

The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:

Corporate and SMELoan Origination System

Corporate and SMELoan Origination System

Discover Product Details

Discover Product Details

Discover Product Details

Discover Product Details

Main Benefits

Main Benefits

Comprehensive functionality for Corporate, SME and Micro segments

Preconfigured data model, workflows, validations - 60-80% implementation ready

Easy configuration with the low-code platform

Easy configuration with the AI-driven low-code platform

Reduced TTM and TTY with automations, integrations and performance management

Cost cutting and enhanced efficiency with optimised workflows

Risk decision automation with the Decision Engine

ESG data collection and evaluation

Built in AI support for Propensity-to-buy, Credit Scoring, Early Warning and more

Workflow

Workflow

Product Features

Product Features

Flexible product definition

Flexible product definition

Flexible product definition

Flexible product definition

Process-focused UI / UX

Process-focused UI / UX

Process-focused UI / UX

Process-focused UI / UX

Decision Engine

Decision Engine

Decision Engine

Decision Engine

Financial Statement Analyzer

Financial Statement Analyzer

Financial Statement Analyzer

Financial Statement Analyzer

Transparent and smooth customer journey

Transparent and smooth customer journey

Transparent and smooth customer journey

Transparent and smooth customer journey

Managing Collaterals

Managing Collaterals

Managing Collaterals

Managing Collaterals

Limit management

Limit management

Limit management

Limit management

Covenant Management

Covenant Management

Covenant Management

Covenant Management

Documents & Contracts

Documents & Contracts

Documents & Contracts

AI-Powered Document Intelligence

Groups of connected customers

Groups of connected customers

Groups of connected customers

Groups of connected customers

Embracing ESG Principles

Embracing ESG Principles

Embracing ESG Principles

Embracing ESG Principles

Configuration over customization

Configuration over customization

Configuration over customization

Configuration over customization

Business Configuration

Business Configuration

Business Configuration

Business Configuration

ApPello Case Studies

ApPello Case Studies

Related Products

Related Products

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