Finance & Credit Risk Solutions | ICAP group of companies
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Finance & Credit Risk Solutions

Loans Origination & Credit Risk Solutions

With considerable expertise and experience in credit policy, ICAP offers tailor-made solutions for banks driven by the Risk.Profiler solution. It is a system for assessing the creditworthiness of the bank’s customers, whether private or corporate.

Risk.Profiler also provides additional functionality and extensions for related bank functions such as:

  • NPL portfolio management
  • Continuous monitoring of borrowers with restructured loans
  • Assessment of a borrower’s ability to repay loans, up to an annual amount
  • Generation of IFRS 9 reports and alignment with the bank’s credit policy

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To fully automate a bank’s credit policy, ICAP offers workflow automation and archiving solutions, closely linked to Risk.Profiler, as an integrated and automated solution.

 

The solution can also be combined with our Digital Onboarding solution for an integrated and Digital prospecting experience.

 

Banks are also supported in areas such as the development, documentation or updating of their credit policy based on supervisory requirements, as well as the restructuring of procedures and the development of a credit policy manual.

 

Our solutions can make the most of customer information thanks to Open Banking – PSD2, which we can use (with the customer’s consent) to enable better and fairer customer assessment, also based on other criteria such as the Liquidity Risk.

Credit Risk Intelligence Solutions

A company needs to have a credit policy and implement it in practice, as this protects the company from risking its financial soundness and liquidity.

ICAP offers an integrated credit policy formulation, and credit risk analysis and forecasting solution. ICAP Credit.Eye covers companies of all sizes and incorporates predictive credit risk models for individuals and businesses.

It is an important and indispensable tool for the modern CFO.

 

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Credit.Eye also offers additional functionalities that are important for a business such as:

  • Building a single-screen full picture of customers’ payment behaviour and credit risk, as well as content-rich reports
  • Customer or portfolio-level late payment policy formulation and management of customers in arrears
  • Provisions based on IFRS 9 and automatic report generation

 

Using Credit.Eye, a business can shape its credit policy and track the evolution of any given transaction from pricing to collection. Appropriate consulting services, including legal services, are provided for problematic and complex cases, to achieve the best outcome for the business.

Budgeting, Planning and Forecasting

The most important element for a business and its operation is planning its budget, monitoring it at regular or exceptional intervals and revising it, if necessary. In many companies, this is a very time-intensive process for managers and often leads to disagreements as regards financial figures between company departments.

ICAP offers fully automated, integrated financial Planning, Monitoring and Forecasting solutions for businesses, using technological solutions and offering significant benefits such as:

 

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  • Operating costs reduction
  • Monitoring both the process and its development
  • Revision at the touch of a button
  • Convergence of the commercial and financial departments in a framework of collaboration and joint operation.

 

These are Business Intelligence solutions, addressed to the CFO, offering rich functionality in generating dynamic reporting (BI) and organizing a business’s financial data.

 

Depending on the case, the solution also includes ICAP Credit.Eye, so that the budget also takes into account credit policy and forecasting issues.

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