Built on microservices architecture, Oracle Banking Credit Facilities Process Management enables banks to accelerate credit origination and servicing, prequalify credit lines, and mitigate business risks.
Take a faster, smarter path to more effective, agile, and cost-efficient credit processes.
Oracle’s solution provides simplified processes for credit proposals, credit amendments, facility closures, credit proposal evaluations, restructuring, credit proposal handoffs, and credit exception handling.
Evaluate each customer’s credit worthiness with accurate credit appraisals.
Minimize credit losses with exposure tracking.
Gain a holistic view of customer information via comprehensive dashboards.
Minimize customer defaults with periodic credit rating tracking.
Adhere to regulatory requirements and standards.
Validate credit proposals with respect to the bank’s defined policies at each stage of the credit process.
Get a holistic view of met and breached policies.
Use a range of options to customize services for specific customer needs.
Effectively assess each customer’s business to ensure the customer gets the right solution.
Restructure credit lines to suit customer needs.
Speed up credit line origination, reducing the timeline to a few days.
Eliminate credit fraud with efficient Know Your Customer and anti–money laundering checks.
Assess each customer’s repaying capacity with an enhanced credit appraisal process.
Use strong covenants to safeguard the bank.
Offer prequalified credit lines, and enhance the customer experience.
Effectively, efficiently, and flexibly manage the entire collateral lifecycle, including collateral evaluation, collateral perfection, collateral review, collateral release, collateral liquidation, collateral insurance management, and covenant tracking.
Optimize processes using a comprehensive process framework.
Monitor credit exposures across customers with a credit dashboard.
Improve customer service with access to customer 360 dashboards.
Enhance stakeholder collaboration via superior workflows.
Offer self-service capabilities when the solution is paired with Oracle Banking Digital Experience.
Provide relationship managers with a holistic view of credit exposure.
Facilitate smarter and faster decision-making with a graphical synopsis of a corporate’s available and utilized credit facilities and collaterals.
Perform quantitative and qualitative analysis of corporate clients.
Open standard microservices architecture
Extensible and prebuilt platform
Scalable and resilient
Persona-driven user experience
Workflow-based transaction management
Single window processing: limits and interest
Persona-centric dashboards for bank users
Smoother approvals through management by exception
Tushar Chitra, Vice President, Product Strategy and Marketing, Oracle
Sunay Mruthyunjay, Senior Director Product Management, Oracle
Swapnil Joshi, Product Manager Strategy, Oracle
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Enables banks to manage their credit exposure by centralizing the limits definition process and collateral management.
Helps banks build rich experiences by providing automated workflows and intelligent processes that support digital-led, data-driven operations.
Supports multicurrency, multiborrower, and multiregion participation with high-volume processing, reducing the risk involved in corporate lending.
Oracle Banking Digital Experience helps banks execute their digital strategies without requiring a one-size-fits-all approach.
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Talk to a team member about Oracle Banking Credit Facilities Process Management.