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.

  • Minimize credit exposures with comprehensive credit dashboard.

  • Empower relationship manager with easy-to-use dashboards.

  • Gain a 360-degree view of the customer.

 

Proactive Credit Risk Management

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

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

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

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

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

Simplified Codeployment

  • Easy interfacing with existing banking applications
  • Prebuilt interface to Oracle’s solution to maximize corporate credit capabilities

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