The ICS BANKS® Credit Facilities & Risk Groups module is a specialized banking software solution designed for deployment in banks and financial institutions. Its primary function is to control and manage the allocation of credit facilities across various organizational levels, from individual branches to the head office. The system provides robust credit risk management capabilities, maintaining risk on five distinct levels: Group, Group Detail, Customer Facility, Facility Details, and Account. This multi-level approach enables real-time utilization and monitoring of facilities, line limits, and group limits. A key feature is its support for different currencies at each of these risk levels, enhancing flexibility for international operations. The module also meticulously maintains and monitors guarantor and collateral defaults, tracking used amounts, revision dates, and revaluation periods to ensure comprehensive risk oversight. Furthermore, it allows for the grouping of credit facility lines, representing entities like countries or other banks, with each group benefiting from unique transaction process controls. The system boasts a smart, user-friendly interface and navigation, covering a wide array of functionalities including Risk Group, Risk Sub Group, Customer Facility, Guarantor Maintenance, Collateral Maintenance, Facility Detail, Dynamic Facility, Temporary Facility, Revolving Facility, and Credit Scoring. Seamlessly integrated with the ICS BANKS® Business Process Management (BPM) module, it provides a full workflow cycle for credit facility requests, encompassing application, study, approval, and processing, thereby streamlining operations and enhancing efficiency. As part of the broader ICS BANKS® suite, this product is built to be modular, secure, and agile, ensuring business continuity and scalability for financial institutions.

Features & Benefits

• Comprehensive Credit Risk Management
  • Manages credit risk across five distinct levels (Group, Group Detail, Customer Facility, Facility Details, and Account) for real-time monitoring of facilities, line limits, and group limits. Supports multi-currency at each level.
• Guarantor and Collateral Monitoring
  • Maintains and monitors guarantor and collateral defaults, including used amounts, revision dates, and revaluation periods.
• Group-based Facility Reporting
  • Allows credit facility lines to be reported in logical groups (e.g., countries, banks), each with unique transaction process control.
• Integrated Credit Facility Workflow
  • Seamlessly integrates with ICS BANKS® BPM to provide a full workflow cycle for credit facility requests, from application to processing.
• Diverse Facility Types & Controls
  • Risk Group
  • Risk Sub Group
  • Customer Facility
  • Guarantor Maintenance
  • Collateral Maintenance
  • Facility Detail
  • Dynamic Facility
  • Temporary Facility
  • Revolving Facility
  • Credit Scoring