The path from credit application to credit approval, as well as the attached follow-up processing is marked by a number of process steps. It is often the case that information for credit approval is redundantly captured in numerous systems. Split processing is in many case not supported by applications . 

isfinancial | Credit Management permits completely independent processing of individual steps. The bank-related functions in isfinancial are individually combined according to respective processing needs, thereby guaranteeing the highest flexibility and a sweeping reduction in the credit analyst’s work load. This occurs via a breakdown of all the preparation necessary into individual tasks in advance of the credit decision.

The consistent content-oriented arrangement of processes between front- and back office, without system discontinuity and the information loss associated thereto, leads to massive increases in efficiency and time, which in term means cost savings.

• Highly specific representation of complex financing plans in corporate banking
• Initiation of required follow-up on the basis of application data
• Systematic analytic processes for a holistic evaluation of all potential risks
• Complete represention of all asset types and the respective possible collateral types
• Unbroken contractual and processing history (development of pledged collateral)
• Final analysis and valuation of the financing plans that allows for the results of creditworthiness analysis and collateral evaluation
• Integration of individual approval processes
• Automated decision making in non-risk relevant businesses
• Automated notice registration for risk reporting
• Automated production of loan and collateral agreements

• Individualized application building blocks guarantee the highest flexibility
• Completely automated and financial institution-specific documentation requests
• Heightened processing quality / minimization of queries and work delays
• Intelligent reuse of information from sub-processes
• Individualized design of content and individualized level of credit approval detail
• One Credit Management System for all customer categories