Credit Decision Platform for Windows

The requirements of a loan origination solution are demanding: on the one hand software solutions are needed that can make automated decisions about credit applications and enhance efficiency. On the other hand, the solutions should be capable of flexibly adapting to changes in credit policies and business requirements.

The Credit Decision Platform is a robust and central software solution for validating, processing and decisioning of credit applications. The credit decisioning system is used in both consumer and corporate customer credit operations.

The solution supports the complete credit origination process at banks and financial service providers.

All the data in the credit origination process are filed in a fully auditable central database. All user actions and changes to data are recorded and saved as revisions of a credit application.

In addition to the operational credit decisioning process, the Credit Decision Platform supports the analytical requirements for credit decisioning systems:

• Early warning capabilities by monitoring internal and external data on borrowers (e.g. payment history, information provided subsequently by a credit agency)
• Simulation of changed decisioning or process models based on a historic data base
• Reporting based on process data (e.g. idle times and processing times) and distribution