Streamline the Loan Origination process with a highly configurable and scalable platform.

Automate the loan origination process effortlessly

QUALCO Loan Originator is an automated loan approval system designed to help creditors and lending institutions stay competitive in the ever-changing market and meet regulatory requirements. Our system streamlines securely and efficiently the origination processes of various financing products, including credit cards, mortgage loans, consumer loans, corporate loans, and instant credit. Loan applications can be accessed online through multiple channels such as bank branches, call centers, merchants, internet banking, and web portals for a simplified and streamlined loan experience.

Key benefits

Faster loan approvals

Simplify and automate loan origination process from loan application to loan disbursement, making applying for a loan quicker and easier and benefit from faster processing and reduced time required for approvals.

Increased transparency

Give customers up-to-date information on the progress of their loan applications to enhance transparency and reduce uncertainty.

Improved accuracy and efficiency

Make loan evaluations accurate, reduce errors, and prevent fraud. Streamline loan origination processes for efficient execution by stakeholders, from Branch Managers to Credit Officers.

Greater business agility

Respond rapidly to changing demands with tools such as Product Factory, Product Profiler and workflow design tools. Design and propose new loan products and easily define business workflows per product category.

Integration and data collection

Collect data for all customer information through integration with internal and external sources to simplify the loan origination process and allow the implementation of rule-based decisions.

Enhanced risk management

Use the right tools for credit analysis and underwriting to reduce the risk of loan defaults and improve overall portfolio performance.

Regulatory compliance

Automate compliance checks and create reporting and audit trails to ensure regulatory requirements and industry standards are met to mitigate risk and avoid costly penalties.

Better customer experience

Minimise the time and steps required to complete a loan application process and benefit from higher customer satisfaction and loyalty.  

Capabilities: Realising maximum potential for successful lending

Customised loan products

Create customised loan products tailored to meet your customers’ unique needs. Our solution allows seamless configuration of pricing based on creditworthiness, loan terms, interest rate, and loan amount while also minimising risks and ensuring regulatory compliance.

Graphical workflow design tool

Design and configure the loan origination workflow easily. Define clear stages, tasks, actions, rules, and the logic governing the procedure and ensure that loans are handled efficiently and precisely.

Automated document management

Manage and generate the documents required for loan origination in a simple and efficient manner. Generate documents automatically, from application forms and credit reports to loan agreements and closing documents, to reduce manual effort and ensure accuracy.

Loan index calculator

Calculate quickly and efficiently standard loan indices, such as interest rates, loan-to-value ratios, debt-to-income ratios, and payment schedules. Use in-depth business rules, to price correctly and efficiently loan products and assess their credit risk.

Seamless integration and data collection

Gain a 360° view of your customer's financial data with real-time information on account balances, transaction history, credit scores, and more via internal and external integrations. Make informed lending decisions that improve customer experience and optimise your loan products.

Loan activities tracking

Track and log all loan application activities and associated data within the system. With our platform, you can maintain data integrity, follow regulatory requirements and provide transparency and accountability in loan origination.

Data-driven decision making

Monitor and analyse loan origination data to turn valuable insights into key performance indicators (KPIs) and identify areas of improvement and product innovation areas. Trust our solution to optimise your loan origination process and improve customer satisfaction.

Multi-channel experience & collaboration

Provide a seamless user experience across channels, including desktop, mobile and other digital touchpoints through APIs, to improve loan origination performance. Keep all stakeholders connected and informed with event-driven notifications, ensuring they are up to date.

Enterprise-level security

Leverage access control features that restrict access to loan origination data and functionality to authorised users only. The software meets industry standards such as GDPR to ensure secure and compliant processing of loan origination data following regulatory requirements.