Unlock Smarter Lending with SmartLoan Origination System
In the dynamic world of financial services, speed, accuracy, and compliance are key to staying competitive. Enter SmartLoan Origination System, an innovative platform built on the powerful Microsoft Dynamics 365 Base CRM Power Apps, designed to redefine how loans are processed and approved.
With its seamless capabilities, SmartLoan offers a comprehensive solution for loan origination, underwriting, credit note generation, and approval workflows—making lending smarter, faster, and more reliable.
Key Capabilities & Features
1. Product Configuration
Tailor SmartLoan to fit your organization’s unique lending requirements:
Threshold Eligibility: Set precise criteria such as CIBIL scores or CMR for applicant screening.
Document Requirements: Define required documentation to streamline compliance.
Financial Ratio Rules: Build custom scoring models for accurate credit risk assessment.
2. API-Ready Functionality
Enhance your loan processing with automated data integration:
PAN Validation: Cross-check applicant details with official records.
Aadhar Compliance: Verify identity seamlessly.
GSTN Integration: Fetch multiple GST numbers and ensure compliance.
Financial Data Retrieval: Access party invoices, financials, and director details directly from regulatory sources.
3. Rules-Based Credit Assessment
With over 29+ financial parameters, SmartLoan delivers advanced credit assessment capabilities:
Automated scoring and rating for each application.
Financial ratio calculations aligned with pre-defined business rules.
4. Credit Approval Note (CAN)
Streamline approvals with a guided and robust approval process:
Document Generation: Generate Credit Approval Notes (CAN) in Word or PDF formats, complete with all necessary details.
Three-Stage Workflow:
Stage 1: Initial Review
Stage 2: Committee Approval
Stage 3: Final Review & Distribution
5. Guided Business Process
Ensure efficiency with an intuitive and gated process design:
Role-Based Access: Assign permissions based on roles (e.g., admin, manager, employee).
Process Stages: Break down complex workflows into manageable stages, ensuring quality and compliance at every step.
6. Identify Bottlenecks with TAT Analysis
Leverage workflow-based processing to detect bottlenecks and analyze turnaround times (TAT). This allows for process optimization and improved customer satisfaction.
Why Choose SmartLoan?
SmartLoan empowers financial institutions to simplify complex lending processes, improve compliance, and reduce operational inefficiencies. With its intuitive user interface, powerful automation, and robust approval workflows, your team can focus on delivering superior customer experiences while ensuring regulatory adherence.
Take the first step towards smarter lending—transform your loan origination process with SmartLoan.
