In the part of banking focused on selling products to corporate clients, flexibility, wide availability across multiple sales channels, quality, and speed of service are becoming increasingly important—especially in the lending area. Clients expect a personalized approach, clearly presented conditions, and a true partnership mindset. To meet these expectations, banks need tools that enable them to operate efficiently, in compliance with regulations (e.g. product terms, sales campaigns), and with maximum security.
In one of our projects for a major banking institution, we were tasked with designing a solution to support the entire credit process in all its complexity—from the initial offer to the disbursement of funds—for various types of corporate clients and decision-making paths.
The Challenge: One System, Many Paths and Processes
The bank needed a system to manage the entire lending process, including product-specific workflows, subprocesses, parallel processes, and automatically resumed flows based on predefined keys and requirements. Key segments included:
- Local Government Units (LGUs)
- Standard corporate client financing (large enterprises)
The sale of financial products had to follow clearly defined stages: offer → application → analysis → recommendation → decision → agreement → disbursement. At the same time, the system had to allow process initiation both by the client (via digital channels) and by bank staff, support multiple internal and external data sources, integrate with existing systems, and handle multi-step decision-making based on competence levels and transaction type.
A key requirement was to ensure full control over data quality and its stages, as well as the ability to respond to process events—such as meeting rejection criteria or rolling back to a data state from several days earlier. Equally important was monitoring how scoring algorithms reacted to input data and how supporting tools (e.g. AI-based) could enhance these processes.
Our Approach: Proven Process, Rating Models, and Low-Code Technology
We proposed a solution based on two of our core products:
🔹 VSoft Rating – the foundation of the system
This product was tailored to the bank’s specific lending processes. VSoft Rating supports credit risk assessment, financial data analysis, decision-making, and building process paths for different client types. Its key value lies in the ability to configure models and rules without the need for coding.
🔹 VSoft archITekt – the development engine
A low-code platform that enables rapid development of new functionalities at the pace of business needs. archITekt allows building process and integration logic visually—without heavy programming resources.
Business Outcomes
According to our analysis, the proposed approach would give the bank a comprehensive, integrated environment to support the lending process—regardless of its complexity. The result translates into several tangible benefits:
- Increased Sales and Cross-Selling
- A 360° client view enabling faster and more accurate offer matching.
- Ability to prepare offers for non-clients and automatically initiate loan applications.
- Shorter processing times, higher product profitability, and improved competitiveness.
- Higher Process Quality
- One tool to handle multiple client types and transactions—reducing onboarding time for new employees and simplifying change management.
- Decision support through links to knowledge bases, validations, SLA reports, and bottleneck analyses.
- Staff spend less time on operations and more on building real client relationships.
- Faster and More Transparent Loan Processing
- Flexible process models tailored to client type.
- Automated analysis and calculations.
- A unified system for sales, risk, and compliance—with full control over stages, documentation, and decisions.
- Better Risk Assessment and Monitoring
- Integration with external databases and systems.
- Support for multiple risk assessment models, collateral, and covenants.
- Ability to reuse data in subsequent applications and monitor existing exposures.
Conclusion
Implementing a corporate loan management system is not only a matter of technology. It requires in-depth analysis and solutions tailored to the bank’s complex processes—while ensuring flexibility and speed of development.
By combining the expertise of our teams developing dedicated corporate banking tools with the low-code VSoft archITekt platform, we can create a system that:
- supports multiple process paths,
- enables rapid response to regulatory and business changes,
- provides a competitive advantage through better offer and risk management.
If your bank is facing a similar challenge today—let’s talk. We’ll be happy to share how we work and what we can achieve together.
