Loan systems - |

The GNI@ LOAN MANAGEMENT SYSTEM solution is a complex integrated modular business solution that processes strategic and day-to-day loan processes of a wide range of financial institutions. It is perfect for both small financial and credit institutions for which the granting of consumer loans is relevant, and for international banks and foundations working with syndicated loans that need functionality to finance complex projects consisting of several tranches linked to a specific financing resource.

GNI loan management systems allow to create all possible types of loan products, including credit lines, loans, overdrafts taking into account all possible requirements of the financial market. In addition, the solution offers a number of other modules and subsystems, including a module for automated decision-making on the loan granting (scoring models), loan monitoring, security, collateral assessment, guarantee, structuring and restructuring, decision-making setup procedures, creation of committees, setup of business-chains and procedures of electronic document management, other modules and subsystems.

Our solution provides your organization with unprecedented flexibility, scalability and reliability. We have adjusted the functionality of our subsystem and modules to successfully serve all clients of the organization, including individuals, legal entities, financial and credit institutions. Technologically, the solution is designed on the basis of constructors and setup forms that helps the organization to configure and integrate its workflows within the system easily and without technical staff (programmers).
All GNI software modules operate in real-time and online mode, and due to the unique infrastructure of the accounting system, the accounting transactions are performed automatically from operational accounting based on a configurable accounting model.

Main advantages of our solution
  • Complex approach
    We provide the entire solution line based on а single IT platform to fully automate all loan processes for individuals, legal entities, financial and loan institutions in order to meet the needs of any financial organization.
  • Integration
    All products run on the same platform, and a license configurator is provided depending on the organization's requirements.
  • Customizability
    The solution operates on built-in constructors, allowing clients to manage their workflows independently without programmers involvement.
  • Multilanguage capability
    The system supports an unlimited number of languages certainly resulting in a positive effect on the product overall perception by the end user.
  • User-friendly interface
    The system works through a web-based user interface and does not require installation of any desktop software. In addition, the system allows individual users to customize their individual workstations, including featured interfaces and a search engine.
  • Data integrity
    Any possibility to violate the data integrity is technologically excluded. A transaction is conducted completely or not conducted at all (rollback mechanisms). A transaction is conducted completely or not conducted at all — "rollback mechanisms". The system excludes conducting of any backdate transactions and/or transactions prohibited within the general business chain of an organization. Data integrity is ensured by using the redo log engine that permeates the system and its tables. Data integrity is ensured by using a redo log engine that permeates the system and its tables.
  • Transparency
    The solution provides transparency as all system modules run-in real-time mode, and all transaction and accounting operations are logged.
  • Continuity
    To ensure continuity, stress test and control procedures were embedded in the system for load check by the number of transactions conducted per minute, per hour, per day.

Applied technologies
The front-end client side is based on Oracle Apex technology.
The platform for loan systems supports two integration technologies with external systems and subsystems: SOAP and REST (basic and recommended technology).

All printing forms are created on the basis of Jasper Reports (iReport).
Oracle Weblogic or Apache Tomcat application server and Oracle 18 database server are also applied.
To increase the system security, the following was created: a user password management mechanism, a mechanism of integration and synchronization of system users with LDAP, a data warehouse mechanism, a data integrity mechanism, logs and audit mechanisms.

The GNI@ LOAN MANAGEMENT SYSTEM solution consists of the following modules and subsystems:

Implementation and customization of our GNI@ LOAN MANAGEMENT SYSTEM solution with all integrations with external services take on average from 6 to 12 months, provided that the organization shares all the necessary migration data within the specified timeframe.