Gradatim MFResolve® Features

Gradatim MFResolve® Features

As s New age Digital Banking system, Gradatim MFResolve® provides the end-to-end functionality to manage all the core processes of a Banking Institution. A unified experience for all your front-office, back-office and mid-office functions.

 

Retail loan origination system

A configurable, digital retail loan origination system that provides the means to originate and service retail, small business and supply-chain loans while streamlining the entire mid-office and back-office operating process.

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Credit Decision

A configurable feature that  is setup based on organization and product credit policies. This  feature can be embedded into the contract process-flow or can be used as a service. 

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Risk rating

Risk Rating measures credit risk and can be deployed for individual loans and group loans. A feature that allows banking institutions to set risk grades based on a calculated risk of potential loss exposure before a loan is approved. 

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Collateral management

A comprehensive collateral creation and management feature. Collateral management covers the complete loan cycle. It is a robust substitute to manage your collateral documents, during and post loan process.

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Document Management

A robust substitute to having a separate DMS.  Configurable and yes, if you do have a DMS, this feature allows the integration as well. This feature eliminates the need for paper files and allows Banking Institutions to achieve a 100% electronic loan file process.

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Reports

A Customizable Report builder allow Banking Institutions to run customizable reports that provide a 360° view of the entire customer relationship in real time. A feature to build long-term, profitable customer relationships.

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customer on-boarding

This feature is a customizable process – a step-by-step, process for adding new customers – Retail, SME or Group customers. 

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Account opening

Yes. This feature supports the complete Account opening – a checking, savings or deposit accounts. Pre-built workflow for account opening. 

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form designer

A form designer is an optional feature for Banking Institutions to create customized forms. With field validations. 

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Questions

A configurable bank of questions. Questions are tagged to forms. Action triggers can be based on the responses. 

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Communication designer

A feature that allows a Banking Institution to engage and communicate with customers – through many different communication channels. 

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accounting ledger

A fully functional accounting ledger – customizable to map your financial accounting standards – that links all transactions seamlessly. 

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Gradatim MFResolve® loan-origination-system for retail lending is a configurable, digital retail loan origination system that provides the means to originate and service retail, small business and supply-chain loans while streamlining the entire mid-office and back-office operating process. Including standardized, intuitive process-flow, customer management and automated decisioning. Using advanced configurations, all processes associated with origination, decisioning, disbursement of a loan is transacted in real-time. All steps in the loan process is configurable and customizable by administrative users and business users.

Gradatim MFResolve® Credit feature is a configurable feature and can be setup based on organization and product credit policies. This  feature can be embedded into the contract process-flow or can be used as a service.  This replaces manual credit reviews, with real time credit decisions. This feature reduces deviations and approvals as both customers or loan officers can take decisions on criteria and eligibility using the service as a dynamic tool.

The credit process as a service connects to external credit systems or can be extended for third-party credit evaluations.

Risk Rating measures credit risk and can be deployed for individual loans and group loans. Gradatim MFResolve® allows banking institutions to set risk grades based on a calculated risk of potential loss exposure before a loan is approved. Loan collaterals can be assessed for market value periodically throughout its lifespan of a loan. Banking Institutions can manage risk effectively, reduce examination headaches and optimize returns on their loan portfolio.

A dynamic and simple tool to tag the collaterals and even manage the way you deal with them. Collateral Management gives Banking Institutions the ability to track loan collateral, perform lean-marking, set active tasks and run market-value triggers.  Collateral management covers the complete loan cycle.

Gradatim MFResolve® integrated document management is a configurable, integrated feature. One can build a library of all product, processes and compliance documents. The documents can be tagged to a process. Integrated document management eliminates the need for paper files and allows Banking Institutions to achieve a 100% electronic loan file process.

A Customizable Report builder allows Banking Institutions to run customizable reports and have a "360° view" of the complete customer relationship, in real time. This feature can be used to create cross-sell and up-sell opportunities, generate leads and help provide proactive support to the customer. A feature to build long-term, profitable customer relationship.

This feature supports the workflow for adding new retail, SME or group customers. Within the onboarding workflow, Banking Institutions can gather the regulatory-mandated requirements to verify identities based on individual, corporate or group. Know Your Customer (KYC) requirements can be embedded into the onboarding workflow so that Banking Institutions can easily configure the requirements to match their business processes.

This feature is a pre-built Account Opening process and expands the Banking Institution into the branch and further into the field. An easy to setup online channel comes with facilities for a customer to form-fill, select branch and link to identified relationship officers. The process workflow, business intelligence and document management to simplify processes, reduce overhead costs, increase revenue and engage customers across all business channels. This feature can be launched as a service or embedded into the loan process.

This feature allows users to create customized forms. It is a single system for creating forms on the fly. The forms can be launched as a Page or as a service. A form library is available and forms can be used or modified as required. Customized templates can be formatted to almost any use case using any object or field that is part of the MFResolve® data base.

This feature is like a question bank. Banking Institutions can create their own question and answer formats to be displayed wherever needed throughout a process. This is a very useful tool to be used for surveys. surveys. Surveys form a part of loan decision process for many institutions.

As important as the omni-channel capability, today's transaction environment requires a Banking Institution to connect with customers across many different channels. A text message for sending a "one-time-password", a notification of payment due, an email for information or even a social media message. These are supported by an intuitive feature where business users can tag a message to a process and even design the content and form of the message.

As a Banking Institution, all your transactions should form part of book-keeping. But in many instances, it is likely that you would have invested in a financial system or would want to place your data with a legacy core. That is why we designed a complete financial accounting system that can be customized and setup without having to code. This ultimate flexibility makes it easy to integrate transactions with financial accounting, both within and external.