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    • Collateral management

    Manage the collateral for your financing agreements centrally and transparently

    Collateral management is one of the central administrative processes for a large number of financing transactions. Business contracts between the financial services provider and the borrower are secured by collateral agreements, consisting of the collateral agreement and the collateral object. Collateral management also has a sales function in the granting of credit lines.

    Within the Credit Management System (CMS), the Collateral Management module offers extensive options for the automated management of collateral via customized processes and optimum support for standard volume transactions.

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    Key features of collateral management

    Collateral management - simple and efficient

    • Collateral management
      Management of collateral via the collateral agreement, consisting of the collateral agreement and collateral object;
    • Contract linking
      Linking of the collateral agreement with the financing transaction to be collateralized through a link/integration to/in the contract management system;
    • Object specification 
      Specification of the collateral object (tangible assets such as movables, real estate and intangible assets) and connection of third-party systems for the automatic valuation of the collateral;
    • Collateral agreement
      Specification of the collateral agreement, e.g. transfer of ownership by way of security, surety and guarantee;
    • Configuration of fees
      Maintenance of the fees incurred, e.g. administration, storage and retrieval fees for temporary or final collateral withdrawals;
    • Information on partners involved
      Definition of the partners involved, e.g. guarantor, collateral taker, collateral recipient and custodian;
    • Dynamic connection to collateral archives
      Functionalities for the storage, safekeeping and removal of collateral including status tracking and connection to external archive systems as well as for the temporary and final removal of collateral including decision, logging and tracking;

    Further key features of collateral management

    Automation of adjacent processes

    • Automatic valuation of the collateral portfolio
      In standard volume business, it is no longer possible to update the collateral value manually on a regular basis (monthly, quarterly). The direct connection of valuation systems enables the automatic and regular valuation of all collateral.
    • Individual risk strategy
      Withdrawal decisions are made exclusively according to the criteria and rules defined by the financial services provider. This ensures compliance with standardized and centralized guidelines and regulatory requirements.
    • Broad range of collateral
      Collateral management covers a wide range of contractual forms such as pledges, transfers of ownership by way of security, sureties, guarantees, declarations and assignments.
    • Wide range of assets
      Collateral management covers tangible assets such as movables (e.g. motor vehicles, machinery or inventories) and real estate (land, buildings or apartments) as well as intangible assets (e.g. securities positions, building society savings contracts, insurance policies).

    Benefits

    Customization of look & feel

    The reference surfaces can be individually adapted to existing corporate design specifications. This also enables use in the environment of white labeling solutions.

    Online configuration

    All parameters that are relevant for the management or processing of collateral can be entered completely online.

    Professional archiving

    Storage and retrieval can be automated via an integrated archive system.

    Improved competitiveness

    In addition to the direct financing business, Collateral Management also has a sales function for financial service providers in the granting of credit lines.

    High degree of automation

    Collateral management in the CMS is automated and is designed for large quantities, standardized processes and quick decisions.

    Consistent system

    All processes of the entire collateral management life cycle are mapped in an end-to-end system.

    Supplementary solutions in the area of collateral management

    Philipp Oberleitner
    CEO

    Dr. Lars Rüsberg
    Sales Manager

    Enrico Moritz
    Head of Strategy & Innovation Management CMS

    Philipp Oberleitner
    Philipp Oberleitner
    CEO

    Dr. Lars Rüsberg
    Dr. Lars Rüsberg
    Sales Manager

    Enrico Moritz
    Enrico Moritz
    Head of Strategy & Innovation Management CMS

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