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Oracle Banking Credit Facilities Process Management
Optimize Credit Management
Accurately evaluate customers’ credit worthiness, accelerate credit origination, minimize exposures to customers, and mitigate credit risks.
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Minimize credit exposures with comprehensive credit dashboard.
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Empower relationship manager with easy-to-use dashboards.
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Gain a 360-degree view of the customer.
- Overview
- Features
Proactive Credit Risk Management
- Real-time utilization tracking to ensure customers do not exceed limits
- Credit appraisal that accurately evaluates customer’s credit worthiness
- Exposure tracking to minimize credit losses
- Comprehensive dashboards for holistic view of customer information
- Proactive covenant tracking to mitigate business risks
- Periodic tracking of credit rating to minimize customer defaults
Comprehensive Credit Origination
- Accelerate credit line origination with a time line of a few days
- Efficient KYC and AML checks to eliminate credit fraud
- Ensure collateral value is accurately assessed with rigorous collateral evaluation
- Enhance credit appraisal process to assess customers’ repaying capacity
- Create strong covenants to safeguard the bank
- Prequalify credit lines and enhance customer experience
Flexible Customizations
- Range of options to customize services and products to specific customer needs
- Effective customer’s business assessment to ensure customer gets the right solution
- Capability to restructure credit lines to suit customer needs
Facilities to Empower Bank Staff
- Comprehensive process framework to optimize processes
- Credit dashboard to monitor credit exposures across customers
- Customer 360-degree dashboards for improved customer service
- Superior workflows to enhance stakeholder collaboration
Differentiated Digital Experience
- Leverage prebuilt open APIs to build differentiated experiences
- Integrate with fintechs and accelerate innovation
- Easy interfacing with ERPs helps to embed credit into the customer's lifecycle
Simplified Codeployment
- Easy interfacing with existing banking applications
- Prebuilt interface to Oracle’s solution to maximize corporate credit capabilities