Loan Origination & Pricing

Commercial banks face the challenge of preparing loan offers in a timely manner, complying with regulatory requirements, and optimizing their earnings position at the same time.

Media discontinuity, outdated tools, a lack of IT support, and inadequate system integration lead to inefficiency and error-prone processes. At the same time, regulatory requirements and customer expectations for customization and speed are increasing. Many institutions struggle with inconsistent calculation logic and inflexible processes, which slows growth and weighs on profitability.

Our modern solution for loan origination, including a pricing component, modernizes your credit processes through intelligent pricing, sound decision support, and seamless integration into existing systems.

Our solution addresses the very area where many commercial banks are currently reaching their limits: offer generation in wholesale lending. Together with our partner d-fine, we have developed a modular, fully web-based system that supports your market employees in customer interaction and processes – from individual offer generation and intelligent pricing to informed decision-making.

Instead of complicated loan origination, scattered data, and inconsistent processes, you get an integrated platform that makes all relevant information and key figures available in real time. This allows personalized loan offers to be created and adjusted within minutes – always in line with regulatory requirements, earnings targets, and individual customer needs.

Thanks to deep integration into your existing system landscape, especially your loan origination processes, the entire process from initial inquiry to final credit decision is seamlessly supported digitally. Complex calculations of risk and capital costs, cash flows, or regulatory requirements run automatically in the background – transparently, traceably, and audit-proof.

This not only enables you to achieve greater efficiency and security in sales, but also opens up new potential for actively managing margins, risks, and volumes – directly at the moment of customer interaction.

The system offers personalized offers, simulations, benchmarking, and AI-supported next-best-offer suggestions, as well as a wide range of convenient functions such as copy templates from previous offers. The automatic calculation of RAROC, RoRWA, EVA, and other key figures not only ensures audit compliance, but also establishes pricing as a strategic sales tool with sustainable added value.

Quick to get started – fully integrated into your credit processes

The solution is modular, intuitive to use, and can be seamlessly integrated into your system landscape. With a short analysis phase to determine your individual needs, clear implementation planning, and support from our experts, you will be up and running in no time – whether on-premise, in the cloud, or as SaaS, we implement your technology strategy agnostically.

The solution was developed in close collaboration with d-fine. Together, we combine technological excellence and in-depth expertise to deliver a solution that is regulatory compliant, technically robust, and strategically effective.