END-TO-END LENDING WORKFLOW

One Workflow From Customer to Monitoring

Connect customer onboarding, loan applications, credit assessment, approvals, disbursement and monitoring through a configurable lending journey, with intelligent assistance where it matters.

01
Customer
Borrower profile and relationship information
02
Application
Facility request, forms and supporting documents
03
Assessment
Credit review, analysis and supporting intelligence
04
Approval
Routing, authority and controlled decision workflow
05
Conditions
Precedent and subsequent conditions management
06
Documentation
Required documents and completion tracking
07
Disbursement
Controlled fulfilment and disbursement readiness
08
Monitoring
Post-approval obligations, exceptions and follow-up
One connected workflow. Configure stages, responsibilities, routing and controls around your institution’s lending process.

LOS CAPABILITIES

Everything the Lending Workflow Needs

Bring customer information, applications, credit assessment, approvals, fulfilment and monitoring into one configurable lending environment.

Customer & Borrower Management

Centralise customer and borrower information, supporting documents and application history within a connected lending workspace.

Application Management

Manage loan applications from submission to completion, with structured data capture, validation and AI-assisted processing capabilities.

Configurable Dynamic Forms

Configure application forms and required information according to lending products, customer segments and institutional requirements.

Credit Assessment

Bring together applicant data, financial analysis, supporting evidence and credit decision results for structured analyst review.

Facility Structuring

Structure facilities, limits, terms and relevant lending parameters within the application process.

Approval Workflow

Route applications through institution-defined review and approval stages with controlled responsibilities.

Delegated Authority & Routing

Support routing according to relevant approval authorities, responsibilities and configured workflow conditions.

Conditions Management

Track conditions precedent, conditions subsequent and other approval requirements through fulfilment.

Document Management

Organise supporting documents and enable intelligent extraction, classification and verification workflows where configured.

Disbursement Management

Manage disbursement readiness and relevant fulfilment controls following approval and completion of required conditions.

Exception Management

Identify incomplete applications, missing information and process exceptions for review, resolution and follow-up.

Post-Approval Monitoring

Track relevant post-approval obligations, conditions and follow-up activities after credit approval.

Audit Trail

Maintain traceability across relevant workflow actions, changes and approval activity.

Role-Based Access

Control access to functions and information according to institutional roles and responsibilities.

API & Integration

Connect LOS with relevant banking systems, external data sources and other Bank-I products through project-specific integrations.

CONFIGURABLE LENDING

Configured Around How You Lend.

Configure lending products, application forms, workflow stages, approval authorities and routing rules around your institution’s credit policies, with intelligent assistance supporting day-to-day processing.

Workflow Configuration

Configure relevant stages, routing and responsibilities around institutional lending processes.

Dynamic Forms

Configure data capture requirements for different lending products and customer segments.

Approval Authorities

Align routing and approval responsibilities with the institution's delegated authority framework.

Conditions & Controls

Configure relevant fulfilment requirements, conditions and workflow controls.

Product Configuration

Support different facility structures, lending products and process requirements.

Exception Routing

Route relevant exceptions to designated users or approval stages for controlled review.

Access & Responsibilities

Control system access and operational responsibilities according to institutional roles.

Integration Model

Determine how LOS exchanges information with core banking, bureaus, document systems and other platforms.

CONNECTED CREDIT

LOS Works Alone. It Works Better Connected.

Connect loan origination with AI-enhanced financial analysis and configurable credit decisioning, bringing relevant insights and decision outcomes into one lending workflow.

LOS

Manage customer applications, supporting documents, credit assessment activities, approvals and lending workflows in one configurable platform.

CDE

Evaluate applications against configurable credit policies, scorecards and decision rules, returning outcomes and reason codes to LOS for subsequent processing.

BSA

Analyse bank transactions, cash-flow behaviour and account activity to provide financial insights that support credit assessment.

FSA

Extract and analyse financial statements, evaluate financial ratios and trends, and provide structured insights for credit review.

CONNECTED BANK-I WORKFLOW

Origination + Financial Intelligence + Governed Decisioning

LOS manages the lending journey, BSA and FSA provide financial intelligence, and CDE evaluates credit policies and decision rules. Decision outcomes return to LOS to support the next workflow action, with human review and institutional controls maintained throughout.

Application Data→BSA + FSA Intelligence→CDE Policy Decisioning→LOS Approval & Fulfilment

INTEGRATION-READY

Designed to Fit Your Banking Environment

Integrate with your existing banking infrastructure, customer systems and external data providers through supported APIs and integration interfaces, subject to implementation requirements.

Core Banking

Exchange relevant customer, facility, disbursement or account information where required.

Credit Bureau & External Data

Connect relevant bureau and external information sources into the credit workflow.

CRM & Customer Systems

Exchange relevant customer and relationship information with existing institutional systems.

eKYC & Identity

Integrate identity and onboarding services where required by the lending process.

Document Systems

Connect document repositories, document sources or related services according to project requirements.

APIs & Events

Support controlled interfaces for relevant system-to-system data exchange and workflow integration.

CONTROLLED LENDING OPERATIONS

Governance Throughout the Lending Journey

Maintain control over the lending process with defined responsibilities, governed approvals, exception handling and traceable application activities—while keeping credit decisions accountable and reviewable.

Defined Responsibilities

Assign relevant workflow responsibilities according to institutional operating roles.

Controlled Approvals

Route applications through the institution's configured review and approval process.

Exception Handling

Support controlled review of exceptions and referrals where configured.

Traceability

Maintain relevant workflow and approval history for operational traceability.

BANK-I LOS

Modernise Lending with Intelligent Origination.

Discover how Bank-I LOS combines configurable lending workflows, AI-assisted processing and connected credit intelligence to support faster, more structured loan origination.

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