Transform your lending business with Genpact's comprehensive solution
In the fast-changing financial world, lenders struggle to stay profitable amid rising delinquencies and costs. Genpact's end-to-end commercial lending solution accelerates transformation through consulting, digital solutions, implementation, and operations support. With expertise in commercial loans, real estate, leasing, and asset finance, we tailor solutions to drive real business outcomes.
AI and analytics assist in gathering data to help prescreen customers and identify potential cross-sell opportunities.
Acceleration of onboarding time by up to
30%
achieved
From complexity to clarity: Streamlining lending life cycle with Genpact
In commercial lending, lengthy decision cycles, high error rates, and compliance complexities can impede growth. Genpact offers a modular solution that digitizes the lending life cycle, accelerating transformation. By automating data feeds and using Genpact Cora LiveSpread™, we streamline financial spreading and credit memo creation, ensuring faster decisions and fewer errors.
Loan origination as a service to qualify leads and improve deal conversion
We gather data from both structured and unstructured sources to prescreen prospective customers for their borrowing propensity. Our team aids in lead identification and prioritization based on lenders' internal policies and risk guidelines. We then draft the preliminary deal structure and term sheet, communicating prescreening results to banks' prospective customers. This ensures that banks are engaging in the right conversations with the right clients about the right products.
Underwriting as a service to improve credit quality
Our underwriting experts conduct comprehensive credit analysis, including reviewing third-party reports, checking collaterals, and performing financial statement spreading using Genpact Cora LiveSpreadTM. We support the credit decisioning process by providing risk ratings, credit memos, and approvals. This ensures thorough and accurate assessments for informed credit decisions.
Due diligence and closing as a service for thorough checks and compliance
We meticulously review loan files to ensure clients have accurate information for acquiring and servicing loans. Our team performs regulatory checks, validations, and collateral valuations to meet all conditions precedent. We then prepare final documents, assist lenders in creating contracts, closing loans, and onboarding customers, ensuring a seamless process.
Portfolio monitoring and default management as a service to preempt credit risk
We conduct real-time, end-to-end portfolio monitoring, covering covenants, ratings, contracts, collaterals, and other processes. We provide early warning signals on credit deterioration and help devise appropriate loss mitigation and collection strategies. Additionally, we write credit reviews based on our monitoring.
Loan servicing as a service-to-service loans
We provide comprehensive support and management for your end-to-end loan processes, including loan maintenance, service requests, customer support, collateral management, tracking, reconciliation, and monitoring of taxes and insurance. Our team ensures seamless and efficient handling of all aspects of loan management.
