Loans Origination & Servicing
Noema has developed a wide-ranging portfolio of solutions targeting the specialised needs of Corporate financing, build on Fioneer’s industries-and-markets-leading solution. Whether you are a large multinational managing complex multi-source loans or a financial institution targeting such clients, we have a solution tailored to your very needs. Offer your clients flexible financing options that meet their varied needs and can support the creation of attractive financing options.
With over 15 business processes ready for use with our Loan Origination solution, we cover the full gamut of tasks common to a loan origination application to loan servicing, from pre-approval evaluation to the Disbursement cycle and requests for amendments.
Streamlined Processes with Advanced Reporting Capabilities
They effectively control every process step, ensuring work consistency and minimising the potential for human errors. All workflows are highly parametric and work across hierarchical levels and departments.
Our solutions come with advanced reporting capabilities that collect data to access process bottlenecks and inefficiencies. This data-driven approach allows for corrective steps, empowering you to make informed decisions. A fully auditable decision trail (who/when/ where from) offers forensic insights into decision-making, giving you complete control over your processes.
All processes incorporate industries-and-markets best practices and can be used as-is. However, almost all customers enhance/adapt the processes to their practices/needs to meet their way of doing business and adapting to their regulatory environment.
Origination Cycle
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Loan Application Initiation (Branch or Agent or Multi-Channel) - Loan Application Evaluation
- Loan Application Decision
- Contract Signing
- Exceptional Disbursements
Loan Servicing & Customer Service Cycle
- Change Guarantor
- Change Loan Product
- Change Loan Terms (Addendum)
- Change Collateral(s)
- Pre-payment Request
- Re-scheduling Request
- Disbursement Request (partial disbursement)
- Re-structuring Request (in case of default)
- Customer Service Requests Initiation
- Late Payment Handling
- Due Generation/Classification
- Loan Closure
