Post on 26-Jun-2015
description
Unifying business and risk perspectives in the credit lending process.
Sofia - April 19, 2012
2
Highlights
Exprivia SpA is an Italian IT company focused on design and development of innovative software technologies and IT services for the following markets:
banking and finance;
manufacturing & distribution;
defense & aerospace;
energy, telco and utilities;
health and public administration.
Founded in 1983
Listed at Milan Stock Exchange since
August 2000
Founded in 1983
Listed at Milan Stock Exchange since
August 2000
3
Highlights
ITALY : 9 Branches
Molfetta (BA) - Headquarter
Bari, Milano, Roma, Piacenza, Trento,
Vicenza, Genoa, Padoa
SPAIN: 4 branches (Prosap e Exprivia Sl)
2 branches in Madrid, Barcellona, Las Palmas
(Canarie)
SOUTH AMERICA:2 branches
(Prosap –Exprivia Do Brasil)
Lima (Perù) – San Paolo (Brasil)
CENTRAL AMERICA: 2 branches (Prosap)
Mexico CityGuatemala City
2011 Data
€121 M VoP 1600 Employees 8.7 M EBT
The Scenario
Business
• Budget
• Customer Satisfaction
• Time to Yes/Time to Cash
LendingLendingProcessProcess
Risk
• Data quality
• Accurate evaluation
• Policies adherence
The Exprivia Solution
Exprivia provides a suite of software tools supporting the automation of the entire credit lending process, covering both the risk assessment aspects and the pure operational tasks.
CreditOnWeb supports the credit approval process, from the collection of client data, up to creditworthiness assessment, from the credit application definition up to the approval stage.
CONTMAN automates the contract generation process starting from validated templates and data taken from the underwriting tool (CreditOnWeb), managing different approval workflows, as in the case of negotiation with the client.
Credit lending process
Activities handled by CreditOnWeb
Credit Lending
Credit Lending MonitoringMonitoring WorkoutWorkout
Informationacquisition
Informationacquisition EvaluationEvaluation DecisionDecision Contract
Signing
ContractSigning Disbursement Disbursement
Credit Application definition: requested loans and provided collaterals
Information on client: property structure, management, financial statement, market positioning, relationship with the bank …….
Activities handled by CONTMAN
Credit lending process
Activities handled by CreditOnWeb
Credit Lending
Credit Lending MonitoringMonitoring WorkoutWorkout
Informationacquisition
Informationacquisition EvaluationEvaluation DecisionDecision Contract
Signing
ContractSigning Disbursement Disbursement
Rating calculation based on qualitative and quantitative data
Decision entity and workflow calculation
Automatic rejection or approval
Activities handled by CONTMAN
Credit lending process
Activities handled by CreditOnWeb
Credit Lending
Credit Lending MonitoringMonitoring WorkoutWorkout
Informationacquisition
Informationacquisition EvaluationEvaluation DecisionDecision Contract
Signing
ContractSigning Disbursement Disbursement
Workflow execution through different bank units ending with the decision entity
Approval/rejection of the credit application.
Possibility to combine the approval of a notched rating together with the credit application approval.
Activities handled by CONTMAN
Credit lending process
Activities handled by CreditOnWeb
Credit Lending
Credit Lending MonitoringMonitoring WorkoutWorkout
Informationacquisition
Informationacquisition EvaluationEvaluation DecisionDecision Contract
Signing
ContractSigning Disbursement Disbursement
Automatic contract Generation
Negotiation with the customer
Approval workflow
Contract signing
Activities handled by CONTMAN
Credit lending process
Activities handled by CreditOnWeb
Credit Lending
Credit Lending MonitoringMonitoring WorkoutWorkout
Informationacquisition
Informationacquisition EvaluationEvaluation DecisionDecision Contract
Signing
ContractSigning Disbursement Disbursement
Loans and Collaterals creation/update in the legacy system*
•Checking obligations for disbursement
*Interaction with Legacy System
Activities handled by CONTMAN
Relevant features :
Web-based application
Multilingual – at user level
Parametric definition of
menus and pages
portfolio of credit lines and collaterals typologies
financial statement input and reclassification schemas
roles and limits involved in the approval process
user profiles for access control
Handling of credit application for members of the same economic group
Real-time Agenda for each user
Independent Rating and Financial Statement Module
CreditOnWeb functional Overview
Enhance credit risk assessment ensuring uniform methodology
Increase efficiency and speed of underwriting process, reducing the cost of credit granting
Build up credit information for internal datawarehouse essential for credit control
CreditOnWeb added-value
CreditOnWeb References
17 banks, 14 countries over 3500 branches
Albania – Veneto Banka S.ha.Bulgaria – UNICREDIT BULBANK A.D.Croatia – ZAGREBACKA BANKACroatia – VENETOBANKA, ZagrebCzech Republic – UNICREDIT BANK CZ A.S.Hungary – UNICREDIT BANK HUNGARYItaly – BANCA POPOLARE DI SONDRIOItaly – BANKS in service of ISIDE SERVICE CENTERPoland – BANK PEKAO SARepublic of Moldova – EXIMBANKRepublic of Serbia – UNICREDIT SERBIARomania – UNICREDIT TIRIAC BANK S.A.Romania – ITALO ROMENA BANKRussia – UNICREDIT BANK RUSSIASlovak Republic – UNICREDIT BANK SLOVAKIA A.S.Slovenia – UNICREDIT BANK SLOVENIA A.S.Turkey – YAPIKREDI BANK
Processes covered by CONTMAN
End of the Underwriting process
End of the Underwriting process
DisbursementDisbursement
Obligations ManagementObligations Management
Negotiation with the customer
Negotiation with the customer
ContractSigning
ContractSigning
ContractApproval
ContractApproval
ObligationsDefinition
ObligationsDefinition
Annexes ManagementAnnexes Management
Contract TerminationContract Termination
ContractGeneration
ContractGeneration
Relevant features
Web Application
Multilingual – at user level
Possibility to define and validate with appropriate workflows
the set of basic components, named Contract Building Blocks
(CBB), from which create contract templates;
Parametric definition of different workflows for contract
signing with/without negotiations and contract termination;
Possibility to automatically create an annex to an existing
contract and the contract fair copy, by composing all approved
annexes;
Generation of tasks and/or reminders about customers
obligations;
CONTMAN Functional Overview
CONTMAN Added Value
Reduction of the processing time for contracts preparation
Reduction of the manual activities and lower operational risks
Ensuring the support for the business volume growth
External Rating Engine
Integration
CreditOnWeb
CONTMAN
CRM
DMS
Reporting
User Authentication
Exprivia tools Third parties tools
LegacySystem
DWSCredit Bureau
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More Information?
Please contact our partner in Bulgaria
SIRMA BUSINESS CONSULTING
to organize a live demo of our products in your premises.
Send an email to irena.stoyanova@sirma.bgor phone to this number +359 878 198 980
THANK YOU
Exprivia s.p.a.Via Valtorta 4320127 Milano
www.exprivia.it