Overview
TCS BaNCS for Corporate Loan Origination simplifies the lending process and increases operational efficiency while taking care of the information security and confidentiality needs of financial services institutions.
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Industry
Banking
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Solution
TCS BaNCS™
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TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
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Highlights
- TCS BaNCS for Corporate Loan Origination enables the end-to-end digitization of loan process and enhances turnaround time, predictability, transparency, and smarter decision-making.
- Our comprehensive solution provides portfolio management and effective risk assessment while complying with internal and regulatory norms.
- Institutions can now enforce complete standardization of the loan underwriting process, bringing operational efficiency, transparency, accountability, and confidentiality to the credit loan origination process while adhering to regulatory standards.
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Challenge
Today, the commercial lending business is witnessing an upward swing. More financial institutions are offering new lending approaches, resulting in increased competition.
This has put pressure on businesses to quickly respond and complete credit risk assessments. As market conditions and regulations tighten, financial institutions need to optimize risk management processes, become operationally resilient, and enable a transparent view of risks. Lenders also face internal challenges such as non-existent or broken processes, complex business rules, and disparate technology or legacy systems. The inability to respond quickly to loan and credit requests impacts customer acquisition and loyalty. And risk officers, often lacking consolidated data needed for accurate and timely analyses, might be unable to identify risks and trends that can result in huge losses.
Solution
TCS BaNCS for Corporate Loan Origination enables end-to-end digitization in wholesale, commercial credit, and loan origination through lean lending/credit approval processes and optimized workflows, thereby enhancing turnaround time, predictability, transparency, and smarter decision-making. The comprehensive solution provides portfolio management and effective risk assessment while complying with internal and regulatory norms. It also simplifies the lending process and increases operational efficiency while taking care of the information security and confidentiality needs of a financial services institution.
Benefits
- Faster responses to customer credit requests
- Improved efficiency of lending operations and reduced costs
- Superior customer experience
- Increased policy compliance and reduced NPAs
- Can be deployed on secure cloud or on-premise
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