Oracle Financial Services Lending and Leasing

Enterprise Wide Lending and Leasing

Comprehensive, purpose-built solution that provides a modern, enterprise wide platform to support the entire lending and leasing process. It enables lenders to improve operational efficiency and increase revenue.

  • Configurable workflows facilitate seamless processing across originations, servicing and collections.

  • Simplified user interface allows faster processing.

  • From lease to loans to lines of credit, the solution cuts across product lines.

  • Choice of deployment options from cloud to on premise make it easy for your business to thrive.

 

Comprehensive Lending and Leasing System

Comprehensive Lending and Leasing System

  • Built on configurable processes for the complete lending lifecycle, including origination, servicing, collections and asset management
  • Predefined finance processes with global best practices optimizing the customer experience
  • Robust business rules engine for each business process adhering to the financial institution's internal practices and policies

Quick and Consistent Originations

Quick and Consistent Originations

  • Allows lenders to accept, process and decision credit applications in a paperless mode
  • Delivers quick credit scoring and automated decision making
  • Provisions configurable credit guidelines to ensure regulatory compliance
  • Supports flexible workflow management for each stage in the lender's underwriting processes.
  • Provides robust pricing strategies to drive market share and profitability

Seamless Servicing

Seamless Servicing

  • Allows the lender to manage all customer information in a centralized location
  • Simplifies the customer service and management processes with a single source of truth
  • Manages unified customer record with a common customer relationship view across products
  • Supports a comprehensive transaction engine to process automated transactions
  • Enhances better customer service and resolves customer requests

Robust Collections

Robust Collections

  • Provides comprehensive functionality to support specialized collection-related activities
  • Tracks all occurrences and related histories associated with specialty collection activities
  • Allows 360° customer view to with details to credit and repayment history with the lender
  • Allows detailed history of customer contacts, promises-to-pay and follow ups

Enhanced User Experience

Enhanced User Experience

  • Self-service options for consumers
  • Support for third-party interfaces
  • Seamless transition across channels
  • Compatibility with credit bureau agencies, asset valuation guides and credit card payment interfaces
  • Paperless workflow with dynamic work queues that can be tracked, analyzed and audited

State of the Art Technology

State of the Art Technology

  • Service oriented architecture (SOA) with a browser-based user interface
  • A back-end relational database, with a middle tier of business components.
  • Provides a high level of configurability by using open standards-based middleware.
  • Brings together a robust technology platform and extensive experience in the industry
  • Supports your business with predefined processes that represent industry best practices.

Convenience to All Stakeholders

Convenience to All Stakeholders

  • Addresses the needs of all constituents of the lending and leasing lifecycle
  • Improves productivity of the staff by its superior operational control and ease of product modification
  • Keeps the management team informed through personalized views of the business

Flexibility of Deployment

Flexibility of Deployment

  • Flexibility of choosing between on cloud, hosted and on premise deployment
  • Cloud offering built on Oracle's highly elastic, simple and secure cloud platform
  • Designed specifically for lending and leasing business
  • Supports seamless data file integration optimizing performance