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features
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support

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Description

Financier™ is a versatile software solution designed to equip financial and credit institutions with the necessary tools for efficient, agile, and responsible lending, ensuring fair treatment of customers while enhancing competitive edge. This highly adaptable loan management platform provides a comprehensive suite of integrated modules that addresses a wide range of lending types and delivery methods. Our team specializes in creating functionally rich ecommerce platforms alongside integrated self-service portals and websites. Additionally, we offer digital retail solutions that encompass the entire retail business process, including various flexible credit options, ecommerce capabilities, point of sale systems, inventory management, and financial tracking. With the support of our knowledgeable Financier™ Analysts and Consultants, we can help you navigate the complexities of digital lending by aligning your operational needs with business objectives and regulatory requirements, ultimately driving innovation in your lending practices. We are committed to fostering a partnership that empowers your organization to thrive in a rapidly evolving financial landscape.

Description

The challenges posed by bad debts are more pronounced for SME loans compared to other retail financing options. To tackle these issues, it is essential to leverage skilled resources effectively, and no organization does this better than Scorto. There is a pressing need to lower operational costs associated with SME loans while simultaneously enhancing operational efficiency. In light of the intense competition within the SME market, it is crucial to continually refine credit strategies and accurately measure performance. A thorough financial analysis of potential borrowers' businesses is necessary, along with the automation of the SME loan application process. Implementing risk-based pricing is vital, as is conducting comprehensive credit risk assessments throughout the entire loan lifecycle. Companies must also focus on scoring, rating, and segmenting their clients. Additionally, evaluating payment dynamics and assessing credit risk involves estimating crucial parameters such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), which are necessary for calculating Risk-Weighted Assets (RWA) as per Basel II guidelines. Furthermore, tools for supporting Cross-Sell and Up-Sell decisions should be integrated, along with effective Business Rules and Process Management for SME lending. Regularly automated re-evaluation of default risk and key financial ratios is essential for an accurate analysis of SMEs. This comprehensive approach not only mitigates risk but also fosters growth and stability in the SME lending landscape.

API Access

Has API No 

API Access

Has API No 

Screenshots View All

Screenshots View All

Integrations

No details available.

Integrations

No details available.

Pricing Details

No price information available.
Free Trial No 
Free Version No 

Pricing Details

No price information available.
Free Trial No 
Free Version No 

Deployment

Web-Based No 
On-Premises No 
iPhone App No 
iPad App No 
Android App No 
Windows Yes 
Mac No 
Linux No 
Chromebook No 

Deployment

Web-Based Yes 
On-Premises No 
iPhone App No 
iPad App No 
Android App No 
Windows No 
Mac No 
Linux No 
Chromebook No 

Customer Support

Business Hours No 
Live Rep (24/7) No 
Online Support Yes 

Customer Support

Business Hours No 
Live Rep (24/7) No 
Online Support No 

Types of Training

Training Docs No 
Webinars No 
Live Training (Online) Yes 
In Person No 

Types of Training

Training Docs No 
Webinars No 
Live Training (Online) No 
In Person No 

Vendor Details

Company Name

Welcom Digital

Country

United Kingdom

Website

www.welcom.co.uk

Vendor Details

Company Name

Scorto

Founded

2001

Country

United States

Website

scorto.com/loan-manager-sme/

Product Features

Loan Origination

Amortization Schedule No 
Audit Trail No 
Closing Documents No 
Compliance Management No 
Customer Database Yes 
Digital Signature No 
Document Management No 
Fee Management No 
Loan Processing No 
Online Application No 

Product Features

Commercial Loan

Asset Management Yes 
Audit Trail Yes 
Complex Debt Structures Yes 
Dashboard Yes 
Document Management Yes 
Exposure Management Yes 
Lead Management Yes 
Pipeline Management Yes 
Risk Management Yes 
Trend Analysis Yes 

Loan Servicing

Accounting Management Yes 
Amortization Schedule Yes 
Application Management Yes 
Auto Loans Yes 
Automatic Funds Distribution Yes 
Business Loans Yes 
Collateral Tracking Yes 
Collections Management Yes 
Compliance Management Yes 
Construction Loans Yes 
Customer Database Yes 
Fee Management Yes 
Investor Management Yes 
Loan Processing Yes 
Student Loans Yes 

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