SOLUTIONS / RETAIL BANKING
The whole client, before the decision.
A loan officer sees every account, the full history and the risk in one view — and when an applicant doesn’t qualify for what they asked for, the system surfaces what they do.
The loan officer pulls the applicant from four systems — core banking, the bureau, documents, the CRM — and reconciles it by hand before they can begin to assess.
Twenty minutes of assembly per application, an inconsistent risk view, and a flat “declined” when someone doesn’t fit the product they applied for — with no next step offered.
One client view, assembled the moment the application opens: accounts, history, affordability, risk flags, and the products they do qualify for — every figure traceable to its source.
The officer spends the time on judgment, not collation. Decisions are consistent and auditable, and “no” becomes “here’s what fits” — a rejection turns into the right offer.
THE SCREEN YOUR LOAN OFFICER WORKS FROM
| Account | Type | Balance |
|---|---|---|
| •••• 8821 | Current | £2,140.18 |
| •••• 4490 | Savings | £8,300.00 |
| •••• 7012 | Credit card | −£1,210.55 |
~22 min to assemble · re-keyed by hand · risk view varies by officer
One view · “no” becomes “here’s what fits” · the officer decides
- Pulling records — Core banking, Credit bureau, Documents, CRM
- Reconciling and cross-checking the data
- Assembling context — History · assembled · Affordability · computed · Risk · flagged
- Checking against your policy and rules