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This engine is an easy to customize loan/instrument origination system for your front office staff or
bankers -whether they be Retail, SMEs or Corporates. The C-IOE caters
for hundreds of financial instruments and categorizes them for simple
navigation. Counterparty management is also entered and maintained
within the C-IOE so that one can have a 360° view of one's total
exposure. These features provide robust treasury management
capabilities and easily cater for "new" exotic instruments such as
customised barrier options contracts. The system also allows Lending
Managers to make executive decisions within defined authority levels,
through a hierarchical Access Control List (ACL).
Why have
numerous loan application systems and then transfer data between them
(or worse manually duplicate data, leading to errors)? The C-IOE links
into all other Credience engines. This means that your loan Approve /
Decline / Refer decisions can be automated by Credit Application and
Behavioral predictive models (not 'expert' scorecards or rules-based decisions), hence
decreasing your Cost-to-Capital ratios and can lead to reductions in
default rates.
The C-IOE comes with a flexible
interface so that you can "plug-n-play" your models, without having to
engage your IT department to "hard code". The C-IOE also supports
Champion Challenger Analysis and What-if Analysis. Finally, this system
caters for Pillar II and Pillar III for Basel II, by offering Supervisory
Oversight and Market Discipline functionality.
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