Makres

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
	*Current version: V4.0*