Loans and Financing
Effective Loan Management with Modern Digital Tools
Looking for a complete digital ecosystem for managing loans from initial desicion-making to integration?
Complete Loan Management
We support all types of products – from retail loans to corporate and syndicated financing, including project financing. Features include consolidation, refixation, and tailored scenarios for corporate clients.
Fast Decision-Making and Risk Management
Modern technology, native AI integration, and our experts’ know-how provide banks with tools for precise, rapid decision-making, flexible risk handling, and efficient loan processing.
Digital Processes for Clients
Onboarding, e-signature, and full loan approval are handled digitally, enabling banks to accelerate approvals and providing clients with a significantly improved experience.
Integration and Long-Term Development
The solution grows with the bank – easily connects to CRM, DMS, or reporting systems. It leverages proven components from the Unicorn Systems portfolio.
Solutions We Can Help You With
Retail Loans
- Loans for retail – support for consumer loans and mortgages with fast approval and flexible contract management.
- Sales / refixation process – fully digitalized workflow for new loans and refixations, reducing administrative burden and errors
- Prescoring – instant client credit assessment using data analysis and AI for quick, reliable decisions.
- Digital client identity – secure verification via BankID and other e-identification methods, ensuring smooth onboarding.
- Client portal – unified web and mobile interface for clients and advisors, enabling product management, contract and repayment overview, and digital signing.
Corporate Financing
- Coordination of bank departments – connecting legal, risk, and business teams in a unified digital workflow.
- Offer logic and product calculation – flexible loan and fee parameters with support for simulations and approval processes.
- Complete document management – fully digitalized document lifecycle, from contract drafting to e-signature and archiving.
- Document sharing with clients – secure online environment for real-time exchange of documents, contracts, and materials.
Loan Administration and Management
- Client management – centralized view of borrowers and co-borrowers, including history, obligations, and risk profile.
- Account management – complete record of loan accounts, transactions, and fees, with integration support for core banking systems.
- Early / late repayments – flexible tools for adjusting repayment schedules, collections, and reporting with automated notifications.
Collateral Management
- Collateral Management – tracking and administration of all types of collateral (real estate, movable assets, guarantees, securities) with linkage to loan agreements.
- Cross-collateral functionality – ability to use a single collateral across multiple products or agreements for more efficient risk management.
- Automated valuation – regular updates of collateral value through integration with external databases and internal models.
Credit Risk Management
- Credit Monitoring – ongoing tracking of the loan portfolio with alerts for potential issues on time.
- Covenant Management – recording and automatic real-time monitoring of compliance with contractual terms.
- Early Warning Signals – identification of risk indicators and their orchestration within bank processes for rapid response.
Let's talk
We are happy to provide you with a qualified consultation.
