Gestion des crédits
Vous pouvez utiliser FlexFinance afin de réduire votre ratio coût-revenu
Les contrats de crédit existants sont traités rapidement, efficacement et, dans une large mesure, automatiquement à des fins de gestion.
Toutes les étapes du processus de suivi et d'ajustement des contrats de crédit sont prévues, y compris l'examen des événements et des problèmes extraordinaires. Les futurs processus de paiement et de remboursement peuvent être traités de manière flexible et adaptés aux situations actuelles.
Événements extraordinaires :
- annulation
- garanties
- remboursements exceptionnels, remboursements partiels, remboursements complets propres ou de tiers
- traitement de demandes
- successions, tutelle
- renouvellement de crédits
- provision spécifique
Cas problématiques :
- résiliation
- comparaison/renoncement de créances
- liquidation des garanties
- revente
- amortissement
Lending management - revolutionary: customer self-service with AI support
The self-service portal offers an additional service to customers and huge cost benefits to banks: payment holidays, early repayments, special repayments and much more. Introduce the self-service portal to your customers and cleverly link this to your management strategy.
White Paper “NPL servicing"
EBA has set out guidelines for integrating measures for processing problem loans into banking procedures. These focus on concessions to borrowers with regard to repayment methods when borrowers start to show signs of financial difficulties. These specifications result in operational requirements for organisational processes, risk classification as well as risk provisioning – we support you in the integration of appropriate forbearance measures.
White Paper “EBA Loan origination and monitoring”
The EBA’s guidelines on loan origination and monitoring represent the new standard for loans and advances in Europe. The Guidelines aim to improve lending processes and practices, limit NPL inflows and ensure fair consumer treatment. This results in enormous implications for data management, lending strategies and client relationships, and banks should respond quickly – are you well prepared for the challenges of the EBA guidelines?