Decision Management

Loan Origination

Customer Management

Debt Collection & Recovery

Fraud Detection & Prevention

SME Loans Management

Credit Risk Management

Credit Portfolio Analysis & Monitoring

Internal Ratings & Scorecards

Basel II - Modeling, Reporting, Stress Testing

Scoring Solutions

Application Scoring

Behavioral Scoring

Collection Scoring

Home / Solutions / Decision Management / Loan Origination – Scorto™ Loan Decision

Loan Origination – Scorto™ Loan Decision

Empowering credit institutions to manage loan origination decisions and automate the entire loan origination flow.

Scorto™ Loan Decision brochure

Key benefits: Business user oriented No programming or IT involvement required to create, improve, adapt or modify credit strategy. Easy to add or modify business rules, scorecards, loan processing flow, printing templates, and all other tasks. This allows you to save time and money reacting to changing market conditions extremely quickly and without headaches.
Covers the entire process of loan origination From data input via a credit officer's workplace (or any other data source) through data analysis, segmentation, credit bureau data verification, processing with different business rules and scorecards, manual approval or data entry for special cases, all the way to making the final decision. But that’s not all! Loan Decision includes special intuitive tools to create scorecards and analyze business performance with pre-defined reports are at your service.	Increase profitability of credit application decisions while simplifying the management of loan originations.
Easy integration with any external system Special multi-functional "Integration Bus" facilitates easy and fast integration with back-end systems, data warehouses, CRM, credit bureaus, external front office and/or data sources.

Why you need Scorto™ Loan Decision:

Customers demand fast decisions.
Retail credit risks should be under control when the credit portfolio increases.
Market changes require constant adaptation of decision rules and scorecards.
External pressure to reduce costs should be addressed via automation.

Sensible		Tailored		Vigorous
Short time-to-market. Integration within weeks, not months. Available for any environment or scenario.		Only your credit strategies, only your branded credit application forms. Adjusted to suit your business and organization.		Fastest response to the market: it is easy to change any aspect of decision flow or scorecard parameters while being secure in the most thorough and accurate modeling available.