The ApPello Loan Management application can cover the full lending process, from the first client contact until the payment of the last installment or the collection, focusing on risk management and the appropriate client contact.

The solution automates the client scoring, decision preparation, contracting, disbursement and repayment processes related to any retail or corporate lending operation. The aim of the system is to provide a fully comprehensive transaction and information registration application, and thus make the work of the bank officers more efficient while handling the credit process, both on the front- and on the back-office side.

The support of the flexible data retrieval is also part of the application. Summary screens and a wide range of listing and search options are available for the users, and the possibility to create flash reports from list screens and the template based generation of any other document type (client contract, formal letters, etc.) is also provided.

The main functions and characteristics of the Solution:

• Free parameterization of product types
• Follow-up of the full lifecycle of the outstandings
• Annuity calculation engine
• Handling of individual repayment structures
• Calculation and booking of interests and fees
• Past due handling
• Tracking of the repayments, automatic revaluation
• Multi currency support
• Handling of various client segments (retail, corporate,…)

The modules covering the different parts of the lending process described below are also available separately, and they can be integrated with the existing applications of the bank easily. This way there is no need to change the full lending system, but the specific tasks (Scoring, Collateral Management, Early Warning, etc.) can be covered with a state-of-the-art solution.