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Loan Origination

Loan Origination Software

An API-first, SaaS solution that enables financial institutions to make fast and informed lending decisions, increase operational efficiencies and improve client experience in a safe and compliant manner.

  • Digitalize & automate the loan origination process
  • Enable the quick onboarding & management of complex products
  • Ensure safe product onboarding & mitigate operational and regulatory risk
Fenergo

Streamline the Loan Origination Process

Fenergo streamlines the Loan Origination process through automation and digitalization, expediting lending and enhancing client experience.

1

収益の可能性を引き出す

Automating the loan origination processes leads to faster onboarding times, accelerated service provisioning and increased client retention. This enables financial institutions to attract new business with a greater competitive advantage.

2

業務効率の向上

Leveraging automation to eliminate wasted effort and reduce costs, Fenergo’s digitalized loan origination solution provides financial institutions with an orchestrated, streamlined and centralized view of the process and data captured for the loan.

3

クライアント・エクスペリエンスの変革

Digitalize the loan origination process with an omni-channel approach to consolidating data and orchestration rules, leading to reduced client touchpoints and expediting access to funds.

4

Reduce Risk and Manage Compliance

Reduce risk and manage compliance by improving data accuracy, automating compliance checks, managing documents effectively and gaining a comprehensive 360-degree view of your clients, their products and credit status.

Fenergo
 
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Optimize Loan Origination with Fenergo

Highly flexible and fully configurable, Fenergo’s Loan Origination solution digitalizes and automates the loan origination process for financial institutions, increasing operational efficiencies. It enables quick onboarding and management of complex products. With a focus on compliance, the solution ensures safe product onboarding and mitigates operational and regulatory risk through robust data and document management with full audit capabilities.

Key Features of Fenergo’s Loan Origination System

Financial Analysis

Fenergo’s automated Financial Analysis and Spreading feature helps financial institutions to analyze and categorize client’s finances into a centralized, consumable statement of position, while eliminating the need for manual data entry and reducing errors. Leveraging this capability, which is supplemented by integration to data vendors, ensures data integrity and accelerates the loan approval process.

Credit Screening

Fenergo’s Credit Screening provides an automated, comprehensive and accurate evaluation of potential borrowers. Make informed lending decisions with access to extensive consolidated credit data, which is fully orchestrated in a user-friendly interface and supported by integration to market leading providers.

Credit Assessment

Our automated and centralized serviceability and decisioning process helps financial institutions assess the creditworthiness of potential borrowers. The solution provides a real-time comprehensive view of clients, including a deeper level of insight to make fast and informed lending decisions.
Fenergo supports multiple risk models and users can trust that the correct financial crime risk model is called at the correct point-in-time thanks to dynamic risk scoping rules, as defined by the business.

Collateral Management

Financial institutions can document, trace and manage collateral as part of a secured credit facility, enabling quick determination of the value and condition of the collateral. Fenergo Loan Origination simplifies the process of tracking and managing collateral during the lifecycle of the loan, ensuring that information is kept up-to-date, thereby providing enhanced visibility of the secured loan book.

Deal Management

Fenergo’s deal management feature empowers financial institutions to streamline the loan origination process through digitalization, providing a centralized repository for all loan information. State-of-the-art data management capabilities allow you to capture complex deal structures and orchestrate supporting processes efficiently and intuitively, offering real-time visibility into the status of deals and their regulatory standing.

Fenergo のSaaSソリューション

Fenergoの一連のSaaS ソリューションをご確認ください

FenergoのESG コンプライアンス

Client Onboarding

Know Your Customer | Fenergo

Account Opening

FAQs

What is Loan Origination?

Loan origination is the process by which a financial institution evaluates a borrower's creditworthiness, assesses the risk associated with the loan and decides whether to approve the loan application.

What technology is available to help with Loan Origination?

There are various technology solutions available to help with loan origination and credit scoring and assessment tools. Fenergo offers an integrated Loan Origination solution that streamlines the Loan Origination process through to fulfilment. Fenergo’s solution can be stood up as a standalone solution or purchased with their wider Client Lifecycle Management capabilities.

How long does Loan Origination take?

The loan origination process can vary in length depending on the financial institution and the type of loan. Some financial institutions may be able to process loan applications quickly, while others may take several weeks to complete the process. Typically, the more manual or siloed the Loan Origination process is, the longer it will take. Adding automation to the Loan Origination process has been proven to speed up processing times.

What factors do financial institutions consider when evaluating loan applications?

Financial institutions consider a variety of factors when evaluating loan applications, including the borrower's credit score, debt-to-income ratio, employment history, income/revenue and the purpose of the loan. They also consider the collateral offered to secure the loan, if any, and the borrower's overall financial situation.

How can financial institutions reduce risk during Loan Origination?

Financial institutions can reduce risk during loan origination by conducting thorough credit assessments, verifying the borrower's financial status, obtaining collateral to secure the loan and using technology tools and solutions to automate the Loan Origination process, assessing and mitigate risk.

Want to Learn More?

Contact us for a personalized demonstration of how Fenergo Loan Origination can digitalize and automate your firm’s loan origination process.