01 Application Collection and structuring of information
An online form is used to obtain the necessary information and documents about the property and the credit applicant. Capturing is used to convert the unstructured data into structured data which is then made available for further use.
02 Verification Credit analysis and pricing
Intelligent software solutions are used to assess creditworthiness and financial standing; pricing is then determined.
03 Allocation Deciding on a particular credit
Once the credit documents have been checked, the credit decision is made either manually or automatically, as desired. The relevant contractual documents are generated automatically and sent to the credit applicant.
04 Management Collection and risk assessment
We take care of interest and amortisation due dates and the dunning process.
Risky loans (recovery) are managed professionally and the valuation of the properties, loan maturities and any interest rate changes are monitored periodically.
05 Documentation Digital reports and storage
The entire process is logged and made available in reports. All documents, applications and contracts are stored digitally in a Swiss data centre.