The system implements loan sales processes and automation in the corporate divisions of banks with the aid of Workflow technology:

• Domino Workflow;
• PONT Workflow;
• WebSphere Workflow.
   

The system is a workflow management application:

• It organizes and controls authorization tasks and manages the rules for authorization;
• It provides a data and document database for transactions and all steps of the workflow;
• It automatically forwards the process to the procedure’s next participant, in accordance with business rules.
   

The system includes the following workflows:

• Business decision module;
• Contract conclusion module;
• Administrative module;
• Provision module.
   

The more important functions of the credit analysis system:

• Business search on the basis of a wide parameter scale;
• Client search on the basis of a wide parameter scale;
• Recording new clients, maintaining client data, storage;
• Synchronizing client data between systems;
• Checking for double entry clients;
• Recording reports of meetings;
• Recording documentation checklists;
• Financial verification of clients on the basis of generated questions;
• Verification of guarantees linked to businesses;
• Verification of client data;
• Automatic emails to the participants of the process;
• Client log listing events pertaining to the given client;
• Field log displaying the changes in the values of a given field over time;
• Recording new guarantees and attaching them to various transactions;
• Checking for double entry guarantees;
• Other existing client guarantees function;
• Reports on transactions;
• Document archive for the storage of scanned, electronic, and other documents stored in the system;
• Managing various monitoring types:Late monitoring, account traffic monitoring, guarantee monitoring, transaction expiration monitoring, client monitoring;
• Authorization management with refining function, roles, organizational hierarchy management;
• Managing the levels of decision making;
• Decision making calculations according to products from the organization database;
• Process termination;
• Substitution and assistant relations;
• The handover and takeover of active processes between users;
• Possibility of cancelling processes;
• Various views for displaying client data;
• A collection of procedures that check product condition, for example:Central Statistical Office [Központi Statisztikai Hivatal, KSH] number format verification;
• Checking account traffic;
• Taking over lists of late payments and to-do task generating for these;
• Contract amendment; handling loan renewals;
• Parameters of forms on the basis of the conditions of various loan products.
   

For more information, please write to info@pontsystems.hu or call +36 1 206 2545.