Loan origination system (LOS)
Loan Origination System is a digital platform used by financial institutions to manage the entire loan lifecycle, that can help streamline loan processing, automate, track and monitor loan workflow, improve efficiency and reduce processing time.
Faster loan processing
- Automates each step from application to disbursement.
- Reduces turnaround time (TAT) from days/weeks to minutes or hours.
Reduced manual errors
- Minimizes manual work, errors, and rework.
- Reduces staff workload by handling large volumes automatically.
Improved customer experience
- Offers digital, self-service channels (mobile/web).
- Customers can track application status in real-time.
Enhanced Compliance and risk management
- Integrated with credit bureaus and internal scoring models.
- Supports consistent and data-driven loan decisions.
real-time monitoring and reporting
- Track every loan application in real time from submission to final approval.
- Allows team to detect delays, monitor performance, and take quick action.
Scalability
- Supports multiple loan products (personal, auto, mortgage, etc.).
- Adapts to growing customer base and business expansion.
Support Multiple Languages
- Support multiple languages including English, Khmer, Korean and etc.
Manage Team’s Performance via KPI
- Track own KPI
- Track Team’s KPI
Mobility
Enables bank staff to serve customers and manage loan activities outside the office.
Efficiency
Streamlines customer registration, loan requests, and loan collection processes.
Real-time access
Staff can instantly access customer data, approval workflows, and push notifications.
Customer service
Improves speed and quality of customer service with mobile tools and quick transaction handling.
Data collection
Supports on-site property info gathering and market price updates for better loan assessment.
Workflow control
Allows for tracking of team performance, debtor follow-ups, and approval processes.
Seamless integration
Combines mobile and web platforms to cover both in-branch and field operations.
Support Multiple Languages
Support multiple languages including English, Khmer, Korean and etc.
Manage Team’s Performance via KPI
- Track own KPI
- Track Team’s KPI
Loan Origination System (LOS)
Dashboard
- Provides a consolidated view of loan processing and customer activities.
Loan Sales/Consultation
- Conduct consultations with customers without requiring detailed documentation for fast customer understanding leading to quick customer decision.
Collateral information
- Collateral registration
- Owner info management
- Appraisal management
- Collateral link/Pledge
Credit assessment
- CBC scoring
- Alternative scoring methods
- Internal scoring (DSCR, LTV)
- Credit risk rating
Loan Disbursement, Repayment, Restructure, Write-off
- Perform Real-time via CBS API Integration.
Customer registration
- Efficient onboarding of new customers into the system.
Loan application
- Allows submission of loan request either in-branch, online or via mobile apps.
Loan contract
- Produce legally binding loan agreements automatically.
Loan approval workflow
- Multi-step approval workflow with options to accept, reject, or return applications.
Loan Recovery Support
- Contains features necessary to prevent and recover bad loans.
Reporting
- Comprehensive reports for management and regulatory needs.
Business common
Loan sales/consultation
Loan collection
System control
Data gathering
Request/Approve Management
Digital content management
Customer service support
Push notification management
CO Tracking
FAQ
A Loan Origination System is a digital platform that automates and manages the entire lifecycles of a loan application from initial customer registering to disbursement and reporting. It helps streamline workflows, reduce manual errors and track the process of loan approval efficiently.
Yes. LOS includes Role-based access control, encrypted data communication, audit log of user actions, and secure login with 2FA.
Fast processing by approval and automate workflows, improve accuracy minimize manual entry error and missing document, better compliance is standardized procedures, save the cost and time.
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