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
Fraud Scoring
Home / Solutions / Decision Management / SME Loans Management – Scorto™ Loan Manager SME

SME Loans Management – Scorto™ Loan Manager SME

Empowering SME lenders to employ precise evaluation and risk management while at the same time automating application and re-evaluation processes and decision flows.
Your benefits:
  • Correctly evaluate the financial state of would-be borrowers.
    Increase precision of your risk assessment with precise analysis of collateral quality, account and cash turnover, percentage of client funds involved, expenses on servicing the loan, business profitability, current loans, data on the principals or the management team of business, business demographics (industry, years in business, number of employees etc.) and other business parameters.
  • Monitor the borrower's business situation during the entire life-cycle of the SME loan
    Correct re-evaluation of the borrower’s financial state and relevant collaterals will allow make it possible to analyze payment discipline, forecast the probability of default and make efficient operational decisions regarding further relationship with the borrower.

Maximum automation of SME loans origination and SME portfolio re-evaluation with reduced operational costs and improved decision quality.
  • Decrease operational costs. Automate SME loan application processing.
    With automated decisions for different market segments with automated risk assessment and automated information flow, put your skilled resources to work with special cases automatically accepting or rejecting majority of applicants, automatically selecting the next customer management step with individualized pricing and terms to heighten retention rates and customer loyality.
  • Reduce bad debt and losses. Perform precise SME scoring, rating and segmentation.
    Easily encapsulate in your decision flow in-house rating models, credit bureau ratings, segmentation rules. Achieve compliance with Basel II. Automatically evaluate payment dynamics, credit risk assessment and estimation of PD, EAD and LGD and other parameters required for calculating the RWA.
  • Easily adapt to new industries and new market conditions.
    With graphical user interface draw (without programming) your origination rules, re-evaluation rules, cross-sell and up-sell rules. Employ champion/challenger approach to constantly increase your acceptance rates and decrease bad debts continually improving SME business performance.

  Why you need it

  • Because bad debts are costlier for SME debts than for other retail loans
  • Skilled resources should be used efficiently, and no one can provide aid for this like Scorto.
  • • Operational costs for SME loans should be decreased, and Scorto SME Loan Management provides efficiency for your organization of up to 40%!
  • Tough competition on SME market requires constant credit strategies improvement and correct performance measurement. Scorto SME Loan Management provides you with this strategic competitive advantage!

  Sensible
 
  Tailored
 
  Vigorous
Reduce operation costs of SME loan down to personal.
Re-evaluate easily as often as new information available.
  Easy configuration of workplaces for loan inspectors, industry expert inputs and credit committees.
   Automatically changes rules set depending on industry, company size or manual input by industry or start-up expert.
Request Information
Enter your info below and we'll respond to you directly