An end-to-end credit process across the entire credit life cycle
Managing loans, mortgages and other credit products places high demands on processes, data quality and transparency. With Lendaro Standard, you manage your credit portfolio in a structured way and steer it efficiently across the entire life cycle.
Many financial institutions rely on legacy system landscapes and disconnected processes. This results in manual effort, redundant data and makes it harder to maintain a consistent view of the portfolio.
The software brings the central processes of credit management together in one modular solution – from loan origination through credit administration to account management in the subledger. This provides a reliable foundation for integrated, traceable and future-proof credit management.
Steering credit processes in day-to-day business
With Lendaro Standard, you steer the central processes of your operational credit business. The functions interact seamlessly and ensure that loans, data and payment flows are managed consistently.
The following features show how the software supports these processes in day-to-day operations.
Financing
Financing projects can be recorded, reviewed and processed end-to-end through to the credit decision in a structured way. From the creation of financing proposals through creditworthiness and affordability analyses to documentation, every step is mapped in a clearly guided process.
Integrated valuation methods for properties, standardised credit rating models and automated checks of policies and authorisations ensure efficient, transparent and compliant lending.
Credit administration
Loans, mortgages and other credit products are managed centrally. Master data on clients, financings and collateral is consistently available, providing a clear view of individual exposures and of the entire portfolio.
Financings are assessed from a risk perspective and linked to the corresponding collateral. Credit groups, economic units and limits can be managed clearly and presented in a comprehensible way. Collateral can be revalued periodically.
Account management
Account management fully maps every financial movement of a credit in the subledger. Interest and amortisations are calculated, settled and documented, while payment flows are processed automatically.
From the disbursement of loans through the collection of receivables to the processing of incoming payments, all booking-relevant processes run with system support. Documents such as interest statements, account statements and reminders are generated automatically.
Interfaces to payment transactions and the general ledger, together with functions for accruals and closing tasks, ensure seamless integration with financial accounting.
Digital file
All credit-relevant documents are stored centrally in the electronic file. Contracts, plans and other documents are therefore available at any time and can be quickly located via search functions. Documents are categorised, assigned confidentiality levels and made accessible to specific employees. Integration into the entire credit process enables consistent handling of all documents – from initial receipt during the credit review through to repayment.
Reporting
The reporting module provides clear analyses of the credit portfolio and enables targeted analysis of credit positions and payment flows. It supports internal management processes in controlling and delivers the data required for regulatory purposes. At the same time, it creates a sound basis for portfolio analyses and strategic decisions.
