Personal Loans Request
The Personal Loans Request process covers the various tasks involved in the application/request for credit products, made by individuals through a bank or banking entity. Each request can include one or more products, among which are: Consumer Credit, Car Loans, Mortgages, Credit Cards, Credit Card limit increases and Credit Card balance transfers. In addition, each product can have one or more collaterals and one or more applicants in the role of coborrower or guarantor, depending on the requirements of each product.
The process includes a study of the applicant´s profile, payment capacity and credit history in relation to the requested product(s). The approval stages are defined according to each case and include automatic approvals, partial approvals and total negotiations. If one or more products are approved the Delivery phase starts. In this phase collaterals are evaluated and constituted. Finally products are delivered or disbursed.
Download a PDF with the full description and details of the process.
- Watch a short video of the basic flow of the Personal Loans Request process
- Follow the Guide for Parameterization (PDF)
- Download a Case Study about the Automation of a Consumer Credit Process in a bank
For more information contact us.