The finance market today requires that credit decisions are
taken in a very short period. The MAKRES system decides credit
inquiries within some seconds, based on automatic queries to credit
reference agencies (e. g. SCHUFA in germany) and scoring incl.
household calculation. Special processes for Risk Based Pricing,
Pre-Score, Highest-Limit-Calculation and others complete the
functionality of the MAKRES credit factory.
The workflow-oriented credit processing and the automatic booking
in the operative system also helps to reduce drastically the
follow-up time of the decided credits and to avoid errors.
Moreover, the software automatically books any commission payments
to point-of-sale partners.
Product characteristics
MAKRESbackend can help manage two work processes quickly
and efficiently:
Credit decision, Credit booking
MAKRES is based on future-oriented technologies such as the
browser based GUI and client/server architecture. Platform
independency and multilanguage support are also features.
Various parameter within MAKRES and the MAKRES database allow
an optimal customizing for the individual needs of the financial
institutes regarding the credit decision (e. g. different credit
processes, scoring, ...).
MAKRES offers a high-level of user-friendliness with
workflow-oriented processes, with efficiently styled screens and a
lot of databased key tables.
Notifications of the credit decisions and credit confirmations
are sent online, by fax or email to the borrower, to the
dealer/broker or to the responsible branch.
Extensive reports and statistical evaluations can be easy
created and printed.
The interactive booking of the credit agreement in the
respective booking system saves an enormous amount of time.
The range of functions also includes different interfaces to
borrower information systems.
MAKRESbackend allows the processing of credit decisions
for all types of products.
Competitive edge through software that supports credit
decisions MAKRESbackend allows fully automatic credit decisions
within minutes and their immediate communication to those who
request them. The user can discreetly examine the possibility of
financing a project even during a meeting with a customer, taking
into account the customer's income and family status on the basis
of generally accepted banking criteria.
The functions
Dialog functions
Processing of credit inquiries
Entry of credit inquiries
Processing of query to credit reference agency
Information request to SCORING
Manual credit decision
Automatic credit notification
Credit management
General information
Control of credit provisions
Credit release ("double-check system")
Entry into the corresponding booking system
Credit confirmation
Administration functions
The MAKRES database tables are managed using an administration
tool (MAKRES-Admin-Tool).
Administration
Staff administration
Competency administration
Administration of control tables
Setting of SCORING card parameters
Branch office administration
Dealer administration
Administration of MAKRES master tables
Administration of MAKRES system tables
Statistics
Display of statistical evaluations
Interactive processing
Transfer of credit inquiry data
Transfer of credit inquiry data from any source
of inquiry into the database
Plausibility checks
Automatic credit reference angency queries
(e. g. SCHUFA and EScore in Germany)
Automatic query and evaluation of the reply
Automatic SCORING
Evaluation of the household calculation
(disposable income, max. loan amount)
Assessment using SCORE cards specific to the
bank
Overall assessment using a points system
Automatic credit decision
Traffic-light control with "green-yellow-red
decision"
SCHUFA assessment
Assessment of control tables (SCORING, dealers, action)
Automatic credit notification
Notification of credit decision by letter (print), fax, or
e-mail
Interactive control/release
Control/release of documents ("double-check system")
Automatic booking
Entry of address and account
Entry of all booking records
DTA
Time-controlled creation of debit and credit files for
electronic payment transactions
