KASTLE Universal Lending Solution

Kastle Universal Lending is an enterprise-wide lending solution that automates the entire lending life cycle—from customer acquisition to recovery. It caters to several domains like automotive, commercial lending, consumer lending, home equity, project financing, Islamic lending, SME finance, and micro finance.

Key features

CRM ModuleIncreased lead management capabilities, Lead sourcing, Call reports Business banking Loan syndication, Structured finance, Infrastructure finance, Credit lines, SME financing, Micro-credit, Micro-leasing, Documentary credit, Bank guarantees Islamic banking Arabic screens and Sharia’h compliant products and process for Islamic lending Smart Summary A tool to track all applications in the system at a single click Dynamic search screen Product Simulator Simulation tool for comparing different products, interest rates, documentation, and added incentives

Duplicate Module Duplicate processing tool with flexible logic definition that screens all applications at lead and registration stages to avoid fraudulent or duplicate applications Dynamic workflow management Provision for conditional workflows, parallel workflows, and child workflows. Business rules engine Scalable business rule engine with parameter definitionto cope with the vagaries of business transactions Customer alerts and notifications Dual control system for enhanced security KIV module A keep in view facility to route applications back and forth between different users for informationexchange

Key differentiators:

• Centralized browser-based multilingual, multi- currency, multi entity solution
• Integrated mortgage portal
• Available as a multi-tenant solution on advanced J2EE platform
• Performance Management Tools to incorporate SLA and performance metrics into operational processes
• Comprehensive collateral management capabilities
• Integrated credit risk rating module
• Integrated Enterprise-wide Document Management & Archiving for anywhere, anytime access
• Statutory and compliance reporting module
• Comprehensive Islamic product support

Key business benefits:

• Better productivity, process efficiency, and time-to-market with scalable, proven capability for handling large transaction volumes, performance management tools, and automation
• Minimized overheads, better information visibility, and cost-effective information management through an integrated and customizable business intelligence and document management platform with comprehensive MIS capabilities
• Comprehensive and improved management visibility through a wide range of reporting and analytical tools
• Reduced costs via multi-tenant option
• Increased flexibility with workflow-based tools; dynamic business process management; and multilingual, multicurrency, and multi-entity capabilities
• Multi-level comprehensive security with role-based access privilege, dual control system, and two-factor authentication
• Built-in compliance to financial guidelines

Kastle Universal Lending Suite can also be deployed with Oracle Database 11g Release 2 and Oracle Weblogic Server 11g R1.