Oracle Banking Corporate Lending

Digitize Corporate Lending

Enables banks to embrace digital capabilities across credit management, origination, and servicing. Banks can now efficiently manage complex commercial loan processes, easily structure syndicated loans, and trade loan portfolios while mitigating risks.

Meet distinct financing needs of digitally evolving corporate enterprises, while lowering business risk and controlling costs.

 

Proactive Credit Management

Proactive Credit Management

  • Real time tracking of facilities helps mitigate credit risks
  • Digitized credit appraisal management enables faster processing of credit proposals
  • Multientity structures help meet global corporates' credit needs
  • Integrated dashboard provides complete customer credit information

Seamless Origination

Seamless Origination

  • Process framework enables streamlined interaction between stakeholders
  • High level of straight-through processing ensures faster origination
  • Interfacing to credit bureaus enables effective credit evaluation
  • Auto-decision capability accelerates approval process

Comprehensive Loan Servicing

Comprehensive Loan Servicing

  • End-to-end capabilities to meet financing needs of all types of customers
  • Offer complex credit solutions with rich functional features
  • Flexibility to change loan terms allows for customer renegotiations
  • Real time tracking of loan status lowers risk of non-performing assets
  • Multicurrency transactions support enhances global customers' experience

Loan Syndication

Loan Syndication

  • Manage thousands of lenders and offer complex syndicated loans
  • Meet unique borrowing needs with broad capabilities for tranches and drawdowns
  • Enable syndicated contracts that safeguard the agent bank, lenders, and customers
  • Support for FpML ensures accurate portfolio for all stakeholders
  • Interfacing with DTCC enables automatic balance reconciliation between agent and lenders

Secondary Loan Trading

Secondary Loan Trading

  • Undertake par and distressed trade and optimize the loan portfolio
  • Straight-through processing via FpML ensures effective participants' share transfer
  • Prebuilt interfacing with Markit ClearPar automates trade settlement
  • Trade processing, amendments, and settlement facilities ensure smooth trade

Business Insight

Business Insight

  • Loan loss forecasting helps enhance business performance
  • Capture credit opportunities with detailed customer and market insight
  • Insight into compliance and operations helps mitigate business risks

Differentiated Experience

Differentiated Experience

  • Prebuilt web application enhances customer experience
  • Loans dashboard gives customers insight into their borrowings
  • Centralized lending capabilities enable omnichannel experience
  • Service-oriented architecture helps tailor user experiences
  • Easy integration to corporate ERP allows embedding credit in customer's business lifecycle

Superior Pricing

Superior Pricing

  • Offer relationship-based pricing and enhance customer relationship
  • Ability to set transaction, service and adhoc fees ensures profitable outcome

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