Guarantee Credit

Security and guarantee products are attractive markets in the modern financing sector. As a state-of-the-art management solution for financing processes, the afb Credit Management Solution (afb-CMS) also covers the guarantee business with its specific requirements at the highest automation level. The Guarantee Credit module group aptly handles all processes of the management of guarantee credits, from the application to the automated application decision and processing through to contract management and accounting, in an end-to-end web-based solution.

Features Guarantee Credit

  • Acquisition of the necessary application data with plausibility check (stakeholders, financing amount and underlying business)
  • Selection or individual capturing of guarantee credit products
  • Automated requests from credit enquiries
  • Generation of automatic or manual credit decisions based on calculated scoring or rating results
  • Workflow-supporting credit processing
  • Contract and fees billing as part of contract management
  • Possible attachment of collateral in collateral management

      Advantages at a glance

      • End-to-end system: the entire life cycle of the guarantee credit – from the proposal to termination of contract – is designed as an end-to-end system.
      • All distribution channels: the solution supports all desired distribution channels and terminals in the branch, in the field and at the point of sale (POS).
      • Flexible financial products: the entire private and commercial guarantee credit business with flexible financial products for specific transaction types is completely mapped.

       

      • Individual risk strategy: the credit decision is based on the criteria and rules defined by the financial services provider in each case. This ensures compliance with standardised and centralised financing policies and regulatory requirements.
      • Complete collateral management: when activating the contract, and during its term, afb-CMS checks whether all the collateral required under the established rules has been provided and linked to the credit contract.

       

      For more information, please contact us

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