Introducing SmartLoan CRM: A Comprehensive Loan Origination and Credit Management Solution
At SmartStatz, we understand financial institutions’ challenges in streamlining loan origination, underwriting, and approval processes. We created SmartLoan CRM, a cutting-edge solution built on the robust Microsoft Dynamics 365 Base CRM Power Apps. SmartLoan CRM is designed to simplify and optimize loan workflows while ensuring compliance and improving customer satisfaction.
Key Features of SmartLoan CRM
1. Loan Origination System
SmartLoan CRM provides a seamless loan origination experience. From underwriting to credit note generation and approval workflows, our system is built to enhance efficiency and accuracy.
2. Threshold Eligibility Configuration
Define and customize eligibility criteria based on key metrics such as:
CIBIL scores
CMR (Credit Market Risk)
Financial ratios
This ensures that only qualified applications move forward, saving time and resources.
3. Document Requirement Management
Easily specify and manage the documentation for each loan type, reducing bottlenecks and ensuring compliance at every stage.
4. Financial Ratio Rules for Score Calculation
Automate the calculation of scores based on financial parameters and rules tailored to your organization’s lending policies.
API-Ready Integration
SmartLoan CRM is designed with modern businesses in mind, offering seamless integration capabilities:
- Automated Data Fetch: Retrieve critical information from regulatory sites using PAN and Aadhar cards.
- GSTN Compliance: Fetch multiple GSTN details and ensure compliance for each.
- Party Invoices: Automatically retrieve invoices, eliminating manual data entry.
- Financial Data Retrieval: Access director information and financial data directly from regulatory sources.
Advanced Credit Assessment
Enhance decision-making with SmartLoan’s automated credit assessment features:
Score Calculation: Automate scoring based on financial parameters and ratio rules.
Application/Case Rating: Provide a comprehensive rating for every loan application, ensuring transparency and accuracy.
Credit Approval Note (CAN) Generation
SmartLoan CRM simplifies the generation and approval of Credit Approval Notes (CAN):
- Document Generation:
- Generate CAN documents in PDF or Word format.
- Include essential details such as change descriptions, impacts, and affected systems.
- Ensure consistent formatting for professional results.
- Approval Workflow:
- Implement a three-stage approval process:
- Initial Review
- Committee Approval
- Final Review and Distribution
- Implement a three-stage approval process:
Guided Business Processes
SmartLoan CRM provides an intuitive, guided workflow to streamline operations:
Role-Based Access:
Intuitive user interface (UI) tailored to user roles (e.g., admin, manager, employee).
Role-based access controls to ensure appropriate permissions.
Gated Process Stages:
Break complex processes into manageable stages with checkpoints.
Maintain quality and compliance throughout the loan lifecycle.
Why Choose SmartLoan CRM by SmartStatz?
SmartLoan CRM offers a comprehensive suite of tools for financial institutions, enabling them to:
Reduce operational inefficiencies
Ensure compliance with regulatory standards
Deliver a seamless experience for customers and internal teams alike
With its robust capabilities and user-friendly design, SmartLoan CRM is the ultimate solution for modern loan management. Let SmartStatz help you take your loan origination and credit assessment processes to the next level.
Ready to learn more? Contact us today to schedule a free demo and see how SmartLoan CRM can transform your lending operations!
