Decisions for or against real estate financing depend on many factors and therefore involve several stages. Thanks to automation, the Real Estate Banking Center supports this complex process and thus makes a significant contribution to simplifying credit decisions.
Cockpit and dashboards for ideal control of all activities
Freely configurable dashboards ensure ideal distribution and control of tasks within the back office. Users are only shown the processes that are relevant to them based on certain criteria (e.g. competencies) or have a high priority.
Consideration of all internal and external sources of information with graphical processing of the results
Sources such as credit history, payment behavior, ratings and retrievable creditworthiness information from third-party systems are taken into account and their results are processed in a structured manner.
Standard integration of credit reference agencies for commercial and natural persons
There are extensive integrations with national credit reference agencies, agencies and credit rating service providers. In order to save costs, these third-party systems can be obtained in several stages. Orchestration is controlled via the integrated business process engine.
Property valuation
Properties can be valued in two stages: the detailed valuation can be preceded by a quick valuation, which already provides initial indications for a decision. If the preliminary assessment is positive, the process continues with a detailed assessment, including a check of land register entries.
Automated credit decision with audit-proof audit trail
Based on internal and external data sources, the solution aggregates all the data required for the decision and makes it available via an API that can also be used externally. Based on the freely configured rule set using audit trail-capable, graphically modelable DMN and BPMN processes, the service makes a decision based on the stored credit policy in a matter of seconds. If you are only interested in this part of our middle office solution, you can also purchase Intelligent Decision Automation in isolation.
Sophisticated disbursement management taking into account all payment flows
All information about the partners involved, property data and payment instructions are transferred to the back-office solution or an external inventory management system via a business transaction - for smooth customer/account creation and management of the financing contract.
Automatic KYC check of business partners including monitoring, logging and historization
All steps of a proper KYC check, from the identification of the beneficial owners, the extraction of any interlinking information to the initial check and regular monitoring against PEP and sanctions lists, are fully automated. Manual interactions are only necessary in the event of anomalies.
Digital checking, processing and subsequent requests for documents and evidence
The document portal enables the checking and, if necessary, correction and adjustment of submitted documents in digital form. Any subsequent requests can be automatically communicated directly to the customer within definable deadlines and handled via the system. Intelligent document processing and AI-supported data models (machine learning) can also be used to extract content from documents and subject documents to an automated review. The Intelligent Document Processing module can also be integrated into your existing ERP system as a stand-alone service.
Integrated case management tool
In order to be able to carry out case-related and dynamic checks on the part of the bank, an integrated tool is available that automatically generates the corresponding checklists depending on the application and applicant. These must then be fully processed before the contract can be activated.
The entire life cycle of real estate financing, from offer preparation to contract termination, is mapped in an end-to-end digital system.
The solution supports all desired sales channels and end devices in the store, in the field and at the point of sale, as well as direct business with consumers.
Private and commercial real estate financing can be offered with flexible financial and additional products for specific types of business.
Credit decisions are made exclusively in accordance with the criteria and rules defined by the financial services provider. This ensures compliance with standardized and centralized lending guidelines and regulatory requirements.
Upon activation and during the term of the contract, the system checks whether all collateral required in accordance with the established rules and regulations, such as vehicle title deeds, land charge entries, mortgages, life insurance assignments, etc., has been created and linked to the loan agreement.
