Loxon Collateral Management

Loxon
Lending

Would you gain process efficiency and integrate risk assessment? Control the whole lending lifecycle from sales and decision steps all along to contracting and monitoring phases.

Loxon
Collateral Management

Missing Basel II compliant collateral analytics? Keep record of your collaterals and optimize your regulatory and economic capital requirement.

Loxon
Collection

Facing rapidly growing ratio of bad debts? Improve your collection strategies, reach more customers with your collection team and automate more to increase collected recoveries.

Loxon
Rating/Scoring

Plan to improve your decision and client monitoring practices? Centralize financial data capture, use various indicators, quantitative and qualitative measurements.

Loxon
Limit Management

Using limit based approach in corporate lending? Build your limit structure and evaluate limit usage of customers and groups according your credit policy.

Loxon
Early Warning

Need to recognize problematic exposures in an early stage? Wish to up-sell to good clients? Predict the probability of default using behavioral approach on expert or statistical base.

Loxon
Basel2

Implementing Basel II regulations? Utilize state-of-the-art risk calculation methods, maximize risk adjusted performance and become fully Basel II compliant.

Loxon
IFRS Provisioning

The Loxon IFRS Provisioning system provides a comprehensive solution for automated calculation of individual…

Loxon Collateral Management

Loxon Collateral Management system is a Basel II compliant uniform collateral registration software solution that provides complex and full lifecycle support of the collateral management process. The system enables you to register collaterals and to connect them to the related deals and customers by establishing M*N connection between deals and collaterals through tranches. Having the connection established, the system allocates the collaterals to the exposures real-time. The application calculates the optimal allocation with linear programming method using deal weights, collateral weights and client weights in compliance with the domestic and the international legislation. The system improves the efficiency of the capital allocation by offering several prudent collateral revaluation methodologies, validations, automatic processes and correction algorithms. The application can easily be extended by any optional routines. Based on the periodic revaluations and the optimal allocation of the collaterals to the covered deals the system helps to optimize the provisioning, capital adequacy calculations, and creates a solid framework of portfolio credit monitoring.

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We Can

Provide you with a unified integrated risk transaction and collateral registration system
Support the complete collateral workflow from prospect to collection stage
Cover cross-segment collaterals
Evaluate your collateral portfolio on regular basis using sophisticated evaluation models
Allocate collaterals to deals in order to minimize RWA, provisions or large exposures using mathematical allocation models
Calculate coverage on deal, partner and sole debtor level
Support your appraisal processes
Collect, calculate, maintain and provide all collateral management related data and information necessary for Basel II compliance
Share with you a wide range of sophisticated optimization algorithms and the opportunity to define new algorithms or change existing ones through graphical user interface
Support the credit decisions by means of the availability of an up-to-date, fairly evaluated collateral portfolio
Support the real estate appraisal registration and management with the integrated real estate module

You Can

Improve the efficiency of your Bank’s provisioning and capital allocation
Optimize your regulatory and economic capital requirement by optizing your collateral allocation
Manage risk concentrations
Control your appraisal processes
Support your credit decisions by means of the availability of an up-to-date, properly
evaluated risk transaction and collateral portfolio.
Ensure the appropriate data quality
Be fully Basel II compliant on collateral side
Segment and analyze Your collateral portfolio
Execute various collateral related reports
Have Your collateral portfolio monitored & revaluated
Generate collateral related documents
Keep record of Your Real estate, Assets and Property insurances