Loxon Rating/Scoring

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 Rating/Scoring

Loxon Rating/Scoring system is a software engine for calculating client/transaction based rating/scoring for loan approval, creditability calculation or any other area where this calculation should be used. Based on predefined data mapping with any IT system the software provides the possibility of building scorecards, setting parameter values for the already built score cards and assign scorecards to processes based on different parameters real time. This way risk management, without need of development can modify existing scorecard parameters as well as building new ones. Quantitative and qualitative input parameters can both be used for this module as it flexibly gives the possibility to set scores for continuous or discrete variables. Ones the scorecard is set, system receives input data through any standard interface communication channel, evaluates them according to the predefined method and sends back the outcome immediately. Cut off values, ranges for score-based evaluation can also be used. Also pre-scoring for indicative offer and early phase of negotiation with the client is available.

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We Can

Calculate various types of financial indicators
Offer You our proficiency in Rating and Scoring modeling
Calculate ratings based on different approaches at the same time
Integrate into the current IT infrastructure of the bank
Support both quantitative and qualitative measurements
Simplify the workflow of the client monitoring process
Centralize the scattered storage of financial data about the clients
Support multiple IT platforms

You Can

Have appropriate data quality about the clients’ financial standing
Improve the risk management efficiency
Control Your client monitoring processes
Make your client- and collateral rating processes more efficient
Change yearly report templates easily, without any development
Import data from various sources
Generate rating related reports
Reduce the manual work of the rating process
Flexibly change rating algorithms