finnone neo corporate lending - nucleus software€¦ · neo corporate is a one stop solution for...

FinnOne Neo Corporate Lending

Digitizing lending to unlock growth

With rising customer demands, stressed margins, stricter regulatory requirements and the need to optimize costs, banks and other financial institutions are looking at new ways to become a customer-centred corporate lender of the future.To do this, corporate lenders need to incorporate end-to-end digital capabilities, reduce time to market, increase transparency and offer a unique customer experience across multiple channels.

WWW.NUCLEUSSOFTWARE.COM | [email protected] 01

02

WWW.NUCLEUSSOFTWARE.COM | [email protected]

FINNONE NEO CORPORATE

Nucleus Software’s FinnOne Neo Corporate is an end-to-end digital lending solution that delivers the business agility required in lending to large corporates and Small-to-Medium Enterprises. The technologically advanced solution enriched with Nucleus Software’s deep domain experience helps financial institutions manage the complete loan lifecycle from origination to servicing and delinquency management.

streamlines the capturing of data such as company structure, details of stakeholders but also derives required financial ratios from multiple types of financial statements. Here, any number of analysis templates can be defined and used to calculate financial eligibility parameters of customers. FinnOne Neo Corporate

FINNONE NEO CORPORATE LENDING - DIGITIZING LENDING TO UNLOCK GROWTH

FINNONE NEO CORPORATE OFFERS THE WIDEST RANGE OF CORPORATE LENDING PRODUCTS IN FUND BASED AND NON FUND BASED LINES OF BUSINESS.

SEAMLESS CUSTOMER ON-BOARDING, COMPREHENSIVE CREDIT ANALYSIS AND EFFECTIVE RISK MANAGEMENT ARE KEY BENEFITS OFFERED BY CUSTOMER ACQUISITION SYSTEM

FinnOne Neo Corporate offers the widest range of corporate lending products in fund based categories such as Term Finance, Working Capital, Supply Chain Finance, Real Estate- Construction Finance, Project Finance, Warehouse Receipt Finance and Loan Against Securities along with non fund based lines of business such as Letter of Credit and Bank Guarantee. FinnOne Neo Corporate offers modular capabilities powered by a web services layer that ensures easy integration with other third party systems. Driven by best in class product roadmap practices, FinnOne Neo Corporate is a one stop solution for all the SME/Corporate lending needs of financial institutions.

CUSTOMER ACQUISITION

Designed to cater to the complex credit assessment needs of SME/corporate finance, FinnOne Neo Corporate Customer Acquisition offers seamless customer on-boarding, comprehensive credit analysis and effective risk management. It not only

FINNONE NEO CORPORATE - TRANSFORMING LENDING

DIGITIZEEND-TO-END LENDING

BUNDLE PRODUCTS EASILY

PROFIT FROM ANALYTICAL INSIGHTS

REDUCE NPLs WITH COLLECTIONS

COMPLY WITH REGULATIONS FASTER

TRACK RISK COMPREHENSIVELY

FINNONE NEO CORPORATE

03


FINNONE NEO CORPORATE LENDING - DIGITIZING LENDING TO UNLOCK GROWTH

also helps in managing limits by compiling the entire exposure under a Limit Tree and has the capability to manage fungibility of facilities of a company. Lenders can strengthen their risk management capabilities using risk rating analysis templates that can be configured on multiple attributes available in the system. Provisions for structuring parameters along with assigned weightages help out in using effective scorecards to arrive at risk score boards which can be used to apply risk based pricing on deals being processed.

FinnOne Neo Corporate offers the facility to process the deals constituting proposal for credits against multiple products or product categories at one go. Once the deals are approved, specific contracts under each category can be processed. The solution also provides the flexibility to process single or multiple contracts within approved product categories with the added flexibility of single or multiple disbursements.

In addition, the solution offers the

capability to define limits at multiple levels such as facility, customer, customer group and anchor. The system ensures that these limits are not breached at any point of time with provision of configuring measures such as stopping further disbursements or raising alerts for the same. Flexible workflows for approvals and multiple facilities and disbursements enable you to align the system to your business processes. Added options for management of entire document checklists, specification of special

EXTERNAL INTERFACE

COMMUNICATIONSSYSTEM

LOAN MANAGEMENT

COLLATERAL MANAGEMENT

DOCUMENTMANAGEMENT

CUSTOMER ACQUISITION SYSTEM

FACILITY / LOAN SETUP

WEB SERVICES

DEDUPLICATION

DOCUMENT COLLECTION

CREDITOR DEBTOR ANALYSIS

LOAN INFORMATION

ENQUIRIES

MULTI PRODUCT RETAIL/CORPORATE

COMMITTEE APPROVAL

TEAMS & CONDITIONS

DISBURSAL INITIATION LIMIT REVIEW/RENEWAL

FINANCIAL STATEMENT UPLOAD/ANALYSIS

PERFORMANCE DETAILS

LIMIT SETUP

RISK REVIEW/RATING

COLLATERALS

FINNONE NEO CORPORATE CUSTOMER ACQUISITION – OVERVIEW

FINNONE NEO CORPORATE - FUNCTIONAL ARCHITECTURE

FLEXIBILITY TO CREATE PRODUCTS

ENGINES DELIVER BUSINESS AGILITY

CHANNELS

BUSINESS APPLICATIONS

ORIGINATION & CREDIT APPRAISAL

CAS

DELINQUENCY & RECOVERY MANAGEMENT

COLLECTIONS


SYSTEM

LOAN SERVICING

LMS

LIN

E O

F BU

SIN

ESS

Mobile Website Social Email Bank Branch Call Centre

MAKE BETTER CREDIT DECISIONS FASTER

POINT SOLUTIONS, FULLY INTEGRATED

LENDING ANALYTICS

FULL END-TO-ENDLOAN LIFECYCLE

SUPPORT

ADVANCED TECHNOLOGY

AND MODULAR DESIGN

Term Finance

Project / Structured Finance

Bill Discounting / Dealer Funding

Warehouse Receipt Finance

FULL LINE OF BUSINESS SUPPORT

SCALABLE, SECURE, AVAILABLE

SME/CORPORATE

Letter of Credit/Bank Guarantee

Working Capital

Loan Against Securities

Real Estate-Construction Finance

LOAN MANAGEMENT SYSTEM OFFERS DIGITIZED, OPTIMIZED AND AUTOMATED LOAN SERVICING CAPABILITES THAT HELP DRIVE EFFICIENCY AND CUSTOMER SATISFACTION.

FinnOne Neo Corporate helps in maintenance of syndicated loans and application of rates agreed upon by funding parties as well as continuous tracking of applicable MCLR/ floating rates. The solution further helps in allocation of single receipts to multiple loans of any client, which


conditions/covenants for each of the contracts, and scheduling periodic limit review capabilities enable systematized monitoring and tracking of lending relationship with your end customers across the term. Additionally, solution has several integrations with agencies like Perfios (Bank Account Analysis), KARZA (Data generation), Instaveritas (ID validations), CRIF etc supporting for both qualitative and quantitative analysis.

LOAN MANAGEMENT

FinnOne Neo Corporate Loan Management has been designed to help banks and other financial institutions drive business growth with existing customers. The solution offers digitized, optimized and automated loan servicing capabilites that help drive efficiency and customer satisfaction. Along with the added flexibility with complex repayment structures including target

IRR based calculations and deferred recovery structures using redemption options, the system provides the flexibility to make alterations to the future repayment structure with changes to the contract parameters anytime during the tenure.

FinnOne Neo Corporate provides easy configurability of services such as changes in contract terms due to additional disbursements, prepayments, interest rates, tenures and repayment structures. The use of various payment methods and the associated parameters bring huge efficiencies in changes to contracts without manual intervention such as automated principal reduction using escrow payments, use of pre-defined allocation rules to reduce term or regular payments including proportionate principal reduction over the future term for a particular contract.

FINNONE NEO CORPORATE LENDING - DIGITIZING LENDING TO UNLOCK GROWTH 04

Customer Service Front End

Part-Prepayment/Re-scheduling

Service Requests

Transaction Simulation

Statement of Account

Document Collection

Facility/Contract Management

Automatic Payment Allocations

Flexible Revision of Repayments

Review and Track Covenants/Conditions

Tax Compliance and Reconciliation

Range of Communications

Due Generation

Asset Classification

Accrual/Amortization

Late Payment Handling

End of Day Processes

Scheduled Processes

EXTERNAL INTERFACES

CUSTOMER SERVICES BUSINESS OPERATIONS SYSTEM PROCESSES

COREBANKING SYSTEM

COREGL

DELINQUENCY MANAGEMENT

DATA WARE-HOUSING & BUSINESS ANALYTICS

FINNONE NEO CORPORATE LOAN MANAGEMENT - OVERVIEW



eases the entire process of adjusting payments for a deal.

FinnOne Neo Corporate helps in easier compliance with regulatory and contract specific requirements with the option to maintain covenants and special terms and conditions that may be applicable on a contract, one-off or periodic in nature. Periodic condition checks can be applied by specifying a frequency with the system processes ensuring compliance to the same. Any breaches can be communicated using mails and additional charges automatically applied as per agreed terms. Tax payments are managed along with related reconciliation and compliance to local tax requirements. Stressed Accounts management, Sell Down and tracking of NOCs for multi-unit real estate projects are some of the additional features that can help bankers with specific needs.

COLLECTIONS

FinnOne Neo Corporate Collections helps banks minimize delinquencies through the efficient, automated

tracking and management of delinquent accounts. The solution optimizes the entire loan collections lifecycle from soft calling of delinquent customers to tackling hard bucket collections, including the follow up of legal cases until final closure. It comes with features such as use of multiple challengers against one champion strategy, case stamping to allow the automatic assignment of cases based on defined parameters and rule based automatic allocation of cases to

COLLATERAL MANAGEMENT SYSTEM ENABLES FLEXIBILITY IN EFFECTIVE LIFECYCLE MANAGEMENT OF ENTERPRISE WIDE COLLATERALS.

collectors.

The solution helps improve collections with analytics based identification of the most effective channel for reaching out to customers and automated communication to customers as per defined workflows. It offers flexibility in follow-up based on case, customer, account level and provides seamless integration with third party collections systems / platforms. FinnOne Neo Corporate Collections also supports integration with mobile platforms to deliver faster and paperless transaction processing with reduced risk and higher transparency for collection agents and customers.


FinnOne Neo Corporate Collateral Management solution enables effective lifecycle management of enterprise wide collaterals and supports various collateral types including immovable property (such as land and buildings), financial products (such as fixed deposits,

FINNONE NEO CORPORATE COLLATERAL MANAGEMENT - OVERVIEW

Transaction History

Margin Tracking

Depository and participant maintenance

Valuation/ Verification process

Corporate Actions/ Portfolio Review

Collateral Document

Simulation for arrival of credit limit

Insurance Tracking

Multi Script maintenance

Systemized Periodic Review

MONITORING MARKET LINKED COLLATERALS

Margin maintenance aligned to collateral type

Release/Liquidation of collaterals

Data Capture aligned to collateral type

Insurance Maintenance

Collateral rating alligned to collateral type

Credit limit Calculation

Collateral Deduplication

Margin call generation

Multiple Collateral Management

Lien maintenance

TRANSACTIONS/PROCESS

FLEXIBILITY IN HANDLING



FINNONE NEO CORPORATE COMMUNICATION OFFERS THE FLEXIBILITY IN DEFINING NOTIFICATIONS FOR INITIATING INTERNAL AND EXTERNAL COMMUNICATIONS.

mutual funds, banks guarantees, securities, etc.), precious metals and commodities, assets includingcommercial/personal vehicles and many other standard/non-standard securities.

The system provides end to end capabilities starting from capture of detailed information about a collateral, lien maintenance, valuations, verifications and periodic systemized reviews through to release and liquidation. To provide unified collateral status to the lender, the customer dashboard provides a single view of all customer collaterals and accounts. The system offers margins at various levels to ensure automated calculation of drawing power and facility limits. The system tracks the actual exposure against the

margins to prevent over pledging. For dynamic market-linked collaterals, FinnOne Neo Corporate provides frequent revaluations, margin call reports and support for trigger-based notifications for related remedial actions The system helps in Linking, De-linking, swapping and marking negative lien by Manual or automatic allocation of collaterals. The solution allows monitoring and release (Partial and complete) of collaterals and supports the maintenance of adequate security cover, which would further strengthen taking timely remedial measures.

FINNONE NEO CORPORATE COMMUNICATION

FinnOne Neo Corporate Communication is an integrated solution for initiating internal and

FINNONE NEO CORPORATE - BENEFITS

Monitoring of covenants and special terms and conditions at contract levelPeriodic reviews with option of automated alerts (emails/SMS)Ability to specify applicable charges/penaltiesPeriodic review of credit limits

RISK TRACKING

Easy handling of tax payments and reconciliationAccurate calculations and balance tracking in Debt Service Reserve Account (DSRA)Allocation and tracking of stressed accountsEnhanced regulatory reporting

COMPLIANCE

Multi-Product, Multi-Tranche, and Multi-Disbursal optionsMultiple collateral capturing Flexible repayment and prepayment structuresSell down on existing contracts

FLEXIBILITY

Multiple FinTech integrationsSystemized eligibility calculations using financial and risk analysis optionsStraight Through Processing through rule engineStrong API layer powering 3rd party integration

DIGITIZATION

Customer centric product bundlingCustomize deal structuring as per requirementsSystemized status notificationsComprehensive customer servicing through dashboards

CUSTOMER EXPERIENCE

external notifications such as text messages, emails and letters across multiple events/trigger points.



FINNONE NEO CORPORATE - KEY FEATURES

Covenant Monitoring

Exposure Tracking

Virtual A/C Handling

Regulatory Compliance

Sell Down

Tax Compliance

Syndication/Consortium

Restructuring/NPL Monitoring

KEY FEATURES BY LINE OF BUSINESS

FEATURES AVAILABLE ACROSS LINE OF BUSINESS

KEY FEATURES OF FINNONE NEO CORPORATE

• Commercial Business Aligned Data Capture

• Analysis of Financial Statements

• Computation of Key Financial Ratios

• Risk Analysis and Related Pricing

• Unified View of Credit Risk

• Committee Approval

• Multi-Product, Multi-Tranche, and Multi-Disbursal options

• Revolving/Non Revolving Facilities

• Limit Review with Option for Ad-hoc Limits

• Flexible Repayment Structures

• Exposure Tracking at Multiple Levels

• End-to-End Management of Collaterals

• Covenant/Special Conditions Monitoring

• 360 Degree View of Customer Engagement

FinnOne Neo Corporate Communication provides flexibility in defining notification templates to financial institutions, providing a customer centric communication experience at each critical moment of truth. The system is scalable and can handle multiple variants of notifications sensitized to various parameters such as customer segment and products being offered.

THE NUCLEUS SOFTWARE ADVANTAGE

At Nucleus Software, we know that our success is dependent on ensuring that our customers are successful, and we are privileged to help some of the world’s most innovative organizations deliver outstanding service to millions of customers every day. We provide lending and transaction banking products to the global financial services industry. As a pioneer in corporate and retail banking software since 1986, we combine deep expertise with an unprecedented track record and a total commitment to building lasting partnerships with our customers.

For 3 decades, we have helped more than 200 Financial Institutions in 50 countries drive innovation, enhance business value and deliver outstanding customer experiences with our solutions which include FinnOne Neo, the 10 time winner - world’s best-selling lending platform.

We have earned this privilege by helping our customers transform their Small-to-Medium Enterprises and Corporate lending digitally – improving their product flexibility with multiple configurable facilities, radically improving customer experience with bundled products, monitoring and tracking risks comprehensively, while ensuring quick and easy compliance. Today, Nucleus Software’s customers are leveraging our experience, commitment, innovation and vision to drive their business forward and keep their competitive edge.

Single/Multiple Bills

Bill Wise Closure

Daily View of Interest

Flexible Closure Options

Multiple Invoice Capture

Stock Update

Unit Level NOC Stock Audit

Retail Adjustment

Multiple Security handling

Handling of Shares in CMS

End-to-End Trading

Unified Credit Limit

STRUCTURED FINANCE

CONSTRUCTIONFINANCE

BILLDISCOUNTING

DEALER FUNDING

LOAN AGAINST SECURITIES

Flexible Repayment Revisions

Flexible/Hybrid Rates

Recovery Plans for Target Rate

Flexible Repayment Plans Escrow Handling

DSRA Handling

Project Detail Cature

finnone neo corporate lending - nucleus software€¦ · neo corporate is a one stop solution for...

Documents