Sustainable Credit

Adjustable Questionnaires to score customers and operations based on ESG requirement KPIs to achieve loan sustainability.

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Main Advantages

This solution gives banks the autonomy to create questionnaires according to the type of business that are integrated on the loan origination process and can therefore have impact on the pricing of the proposal according to the result.

Promote sustainability
Promote sustainability

Encourage companies to improve certain sustainability metrics, namely to be able to respond to the ESG growing market requirements, and to be gradually aligned with the EU Taxonomy

Score customers on sustainability KPI's
Score customers on sustainability KPI's

Questionnaire models regarding environmental issues, deriving in an environmental sustainability analysis model which allows banks to score their customers on sustainability KPI's

Adapted to clients' needs
Adapted to clients' needs

Configure surveys for Corporate Risk (Rating) using ESG but also for Sustainability Scoring, Social Media Scoring, Satisfaction Surveys, and Personal Risk (Scoring) such as Cash loans, Car loans and Mortgage

Promote sustainability
Promote sustainability

Encourage companies to improve certain sustainability metrics, namely to be able to respond to the ESG growing market requirements, and to be gradually aligned with the EU Taxonomy

Score customers on sustainability KPI's
Score customers on sustainability KPI's

Questionnaire models regarding environmental issues, deriving in an environmental sustainability analysis model which allows banks to score their customers on sustainability KPI's

Adapted to clients' needs
Adapted to clients' needs

Configure surveys for Corporate Risk (Rating) using ESG but also for Sustainability Scoring, Social Media Scoring, Satisfaction Surveys, and Personal Risk (Scoring) such as Cash loans, Car loans and Mortgage

How it Works

The loan origination workflow incorporates the sustainability score assignment model so that the outcome can affect the final decision.

1
Define sustainability questionnaires and KPIs

Define environmental sustainability analysis model containing questions adapted to your needs regarding environmental issues

2
Request sustainability data

Obtain and register sustainability data and predefined proof of evidence about customer and/or project

3
Sustainability KPIs automatic calculation

Score your clients according to how they are able to respond to the ESG (environmental, social and governance) and sustainability KPIs

4
Credit Simulation/Application

Use the pre-calculated sustainability scoring to increase or decrease credit interest rates according to the environmental profile of the customer and/or project.

System Functionalities

This module provides the creation of models with rules associated to each business model or segment. You can also see the statistics and reports related to sustainability.

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  • Designing the questionnaires

    Definition of the questions and their weight in the questionnaire.

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  • Documents Upload

    Upload sustainability data and predefined proof of evidence about customer and/or project such as the energy efficiency certificate

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  • Download of the report

    Obtain the final Environmental Rating and Download the Sustainability KPIs Report

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  • Checklist Warnings

    Helpful checklist warnings indicate missing data to finish the process

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Definition of the questions and their weight in the questionnaire.

LA

Upload sustainability data and predefined proof of evidence about customer and/or project such as the energy efficiency certificate

LA

Obtain the final Environmental Rating and Download the Sustainability KPIs Report

LA

Helpful checklist warnings indicate missing data to finish the process

LA
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"Implementing the questionnaires that assign an environmental and social endowment to all our corporate customers was a huge challenge for Crédito Agrícola, but it managed to bring us closer to our customers by helping them on the path towards sustainability and carbon neutrality. ITSCREDIT has thus managed to implement, very efficiently, a complex process."

Isabel Matos
Crédito Agrícola’s Office of Communication and Institutional Relations Director

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Our Solutions

Highly configurable software credit solutions that increase a bank's profitability and productivity while addressing today's banking challenges and opportunities.

Early Warning Signs (EWS)
Early Warning Signs (EWS)

Preventive identification and management of clients showing difficulties prior to failed installments
Credit Portfolio Monitoring
Credit Portfolio Monitoring

Automatic production of more agile and reliable reports
Scoring & Decision
Scoring & Decision
Assignment of a credit grade in which the credit decision will be based on.
Loan Origination
Loan Origination
Contemplates every phase of the credit process.
Credit Rehabilitation & Recovery
Credit Rehabilitation & Recovery
Best strategies in the credit recovery process.
Buy Now Pay Later
Buy Now Pay Later
Online instant credit as an alternative payment method.
Partners Module
Partners Module
Portal that allows your partners to integrate the bank credit workflow.
Calculators
Calculators
Single calculator for all products and channels.