Credit Management & Administration System

Bank make bulk of their money from loans, namely net interest income. This is despite the trends in fee-based services that most bank strive towards as a means of enhancing their returns on equity. On the other hand, it is also observed that banks lose most of their money through bad loans. In bad times, provisions for bad loans may be the biggest expense item offsetting against profit before tax. In the extreme cases, some banks fail because of mounting bad loans. Thus, making more good loans and less bad loans is the wish of every banker. this sound simple yet it is like the buy low sell high axiom of stock trading - easier said than done.

OFA SmartLender Enterprise

A Web-based; data warehouse enabled loan origination system for the enterprise market.

It is an end-to-end integrated approach to credit marketing and processing, risk monitoring and control, tactical account management and strategic portfolio management

Focus on delivering

• Faster Turnaround Time
• Best Practices
• Productivity Management
• Workflow Integration
• Proactive Risk Management
• Strategic MIS

Differentiated from most of the contemporary LOS products in many ways

• End-to-end Process
• Integrated Approach
• Emphasize Group Exposure
• Portfolio Based
• Versatile Wrkflow Engine
• Open Architecture

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