SmartLoan
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SmartLoan Origination System
Built on Microsoft Dynamics 365 Base CRM Power Apps
SmartLoan
SmartLoan – Loan Origination, Underwriting, Credit Note Generation and Approval workflow
CAPABILITIES & FEATURES
- Product Configuration.
- API Ready – PAN Validation, GSTIN Compliance, Promoter / Director, Financials, Aadhar Validation.
- Rules-based credit assessment for 29+ financial parameters.
- Credit approval note, Generation, Distribution & Approval.
- Identify Process bottlenecks – Workflow-based application processing with comprehensive TAT Analysis.
Product Configurator
- Define Threshold eligibility such as CIBIL,CMR etc
- Define Documentation Requirement
- Define Financial Ratio rules for score calculation
API Ready
- Automated data fetch from Regulatory sites based on PAN card
- Cross validation with Aadhar card
- Multiple GSTN fetch along with Compliance for each GSTN
- Automatic retrieval of Party invoices
- Financial Data and Director information retrieval from Regulatory sites
Credit Assessment
- Automated score calculation based on Financial parameters and Financial Ratio Rules defined for the Product
- Application/Case rating
Credit Approval Note (CAN)
Generation of CAN Documents:
- Create Change Authorization Notices in PDF or Word format.
- Include relevant details such as change description, impact, and affected systems.
- Ensure proper formatting and consistency.
Approval Workflow:
- Implement a three-stage approval process:
- Stage 1: Initial Review
- Stage 2: Committee Approval
- Stage 3: Final Review and Distribution
Guided Business Process
Intuitive User Interface (UI) with Role-Based Access:
- Design an intuitive UI that caters to users’ needs and simplifies their interactions.
- Implement role-based access controls to ensure that users have appropriate permissions based on their roles (e.g., admin, manager, employee).
Gated Process Stages:
- Break down complex processes into manageable stages.
- Implement gates or checkpoints at each stage to ensure quality, compliance, and alignment with business goals.