Loxon Products

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 Lending

Loxon Lending is a frontend system to support all activities of the participants from the moment the client enters into any branch or contacts the bank on other channels till the last installment of the loan is paid back or the transaction/client is forwarded to the WO department for collection process. The software supports sales, risk and mid/back office activities of this flow while giving the possibility of integration with any other IT system for automatic data transfer and assured data quality. Built in features guarantees reduced duration of the process and also improved data quality, thus offering a significant competitive advantage for the Bank. Reusing all inputted data, four-eyes-principle based data input, automatized calculation of derived variables and automatic task allocation features provides the possibility of faster time-to-yes and time-to-cash while also ensuring proper process monitor and analysis. Applications, contracts and other documents can be genetared by the system in multiple formats (e.g. word, excel, pdf).

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We Can

Cover all the (financing) products offered to the different customer segments and ensure the fulfillment of the frequently changing business requirements
Support the whole workflow in connection with the products from the date the customer applies for loan until the deal gets closed
Ensure the compliance with the credit policy and banking rules regarding the different products – due to the product parameterization and the related checks
Support the decision making process, the decision competences and all decision feedbacks (conditions, request for new information)
Improve data quality due to the three-phase error checking
Implement your limit based approach (using the separated Limit Management Module)
Execute calculations emerging in connection with the credit application (such as credit worthiness, installment generation, exposure etc.)
Enable the automatic data transfer into the core banking system alike data retrieval from the different banking systems
Generate documents automatically by using templates filled out with the required data.
Create user’s task list based on user’s authority and your business strategy
Provide all the data necessary for loan approval and deal handling

You Can

Significantly reduce lead-time (TTY, TTC) and unit cost of the transactions
Make your approval process and deal handling more efficient
Implement new products / product modifications – that do not require new parameters or process - from the user’s interface, without developer’s support
Identify the process’s bottle-necks by creating process-efficiency reports, which enable the measuring of the efficiency of processes, single steps and the time consumed by them, the efficiency of single administrators or administrator groups
Mitigate the risks arising during the lending process - leading to the decrease of the provisions
Significantly reduce the operational cost and improve the operational efficiency
Measure the efficiency of your different campaigns, pricing policies etc.
Improve your conscious sales management and raise the efficiency of the control and coordinating work regarding the sales activities