Credit Workflow

Set up, streamline, decide. Next!

Track and speed up every stage of loan origination, from application to disbursal.

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What's in a workflow?

More than you think! Our Credit Workflow system handles every step of credit origination—from first customer touchpoint to your final decision. It automates, pre-checks, analyses, and reviews countless tasks, freeing up your schedule for more clients, products, and revenue.

Credit Simulation

Advanced AI algorithms model and predict outcomes of various credit scenarios to mitigate risk and secure repayment.

Application

Applications can be submitted through various channels: Branch, Homebanking (Web and Mobile), Partners, and more.

Pricing & Decision

Machine learning uses data from diverse sources to inform scoring and pre-approval, and reduce credit default rates.

Contracting

When credit is approved, it's time to finalise the loan terms, conditions, and get any legal documentation required in order.

Disbursement

ITSCREDIT also streamlines the final steps of funds delivery, updating loan records, and communicating with the borrower.

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all product types
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accross the process efficiency
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effective risk migration

Comprehensive steps, integrated functions, effortless procedures

Cover every step of the loan origination process with just one credit workflow solution. All your data stays aligned and secure in one central place, with encrypted access across your organisation. Simply handle your tasks and pass them along—everything from data to documents and comments is ready to go. Say goodbye to endless emails and file searches; everything you need is right here!

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100% online,
from A to 'yes'

Upload documents online, review and confirm with a simple click. All signatures are also collected digitally.

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Seamless data flow between apps

Seamlessly connect to any systems via APIs for open banking/PSD2-data aggregation and traditional credit bureau information.

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Support for any credit product type

Our modular platform adapts to all types of credit business types: car loans, mortgage, consumer loans, leasing, credit cards, business loans, and others. The choice is yours!

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Grows and expands
with you

New product line? Updates to workflows? No problem! With our flexible tool, you can easily adjust parameters—without coding—to reflect your product evolution.

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Automatic pre-approval

Credit Workflow is integrated with Risk Analysis & Scoring tools and decision trees to take the load of pre-approval off your shoulders.

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End-to-end loan origination system

Workflow completely covers all stages of credit application and decision, complying with bank credit regulations and making your work faster and smoother.

Faster loans,
zero software headaches

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Tidy process management

ITSCREDIT neatly organises credit data by workspace and department, with easy export options. Missing data? Checklist alerts have you covered, so you instantly see what’s needed—no backtracking required!

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Time-saving integrations

Our loan origination system syncs with other systems to pull in all the key details—ID, business info, documents, and more—saving you hours on copy-pasting and checking for missing or duplicate data.

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Application details within easy reach

Edit product details like payment plans, prices, and expenses with ease. Add new collateral or use existing ones from other clients. Stay on track with a handy checklist showing uploaded and missing documents to complete the process.

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Insightful analytics with a few clicks

Use reports and dashboards to instantly display turnaround times (TAT) by area, the user, and the number of active proposals and volume—for any period you wish.

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Drag & drop configuration

Set up your full credit workflow in just a few clicks! Easily manage products, pricing, and parameters with a simple back-office catalogue and use templates to speed up work.

End-to-end credit platform

 Looking for smarter ways to streamline lending? Explore our other products

Calculator

Run accurate simulations for all financial products, channels, and partners in a single online tool.

Learn more

Scoring
& Credit Decisions

Validate, configure, and refine your scoring models for faster credit assessment.

Learn more

Collections

Use real-time loan data, process automation, and task management to optimise credit recovery.

Learn more

Credit Monitoring
& Risk Analysis

Anticipate risks, discover portfolio insights, and run pricing and profitability analyses.

Learn more