Practice Credit
The value proposition
Granting credit is one of the quintessential banking activities.
Managing it optimally means pursuing the best, for both the Bank and the Clients. The Credit Services Team specializes in this.
We provide financial institutions with qualified expertise and innovative solutions to manage the entire life cycle of loans, in line with market developments and regulations.
Our plus
Our team of over 60 specialized professionals provides consulting and custom solutions extended to:
underwriting, trust, leverage assessment of financing
signature loans, pool financing
credit assignments and/or securitizations related to corporate transactions
The solutions
IASSUITE - IAS ACCOUNTING INTEGRATOR
The suite consists of modules:
Analytical
Amortized Cost
Collective
Fair-Value
SPPI Tool
It classifies relationships, calculates transaction adjustments, and feeds the general accounting in accordance with IFRS9 regulations
B&P - ASSETS & APPRAISALS
The suite enables the integrated management of the entire asset lifecycle within the credit granting process:
Asset inventory through integration with the National Cadastre (AdE) and OpenKat (provinces of TN and BZ)
Insurance policies
Integration with external providers
Compilation of appraisals
Analysis of average market prices for real estate
NFIN - LOAN MANAGEMENT
A fully functional application to manage the entire lifecycle of all types of loans, both assets and liabilities. It ensures process consistency with a single solution, both on the bank's back-office side and the customer side
DBNPV - DOD SIMULATOR
An application that captures cash flows before and after renegotiation, either through uploads or via web servers. It simulates the calculation of the DOD loss percentage, stores it, and communicates it to the subsystems involved in the renegotiation process.