The key to lending lies in providing credit to the right customer at a competitive rate, while complying with local regulations. Your systems and applications should not only propel the business but also enable you to develop enduring customer relationships and to meet the evolving needs of your customers and an increasingly global marketplace.
Our mortgage & loans solutions
With our holistic approach, we can accommodate evolving lending markets and ensure that the right solution reaches the right customer. Our proven solutions address the unique challenges of your business, from accelerating processes and reducing paper costs through to streamlining and enriching the customer experience.
Our services range from strategy, analysis and design, to application development and maintenance. We can help you with:
- Straight-through processing for business lending origination
- Customer relationship management
- Business process reengineering
- Business intelligence
- Quality and testing
- Risk management and compliance in various jurisdictions
In addition, we offer solutions designed to meet the unique needs of prime and sub-prime markets and lenders.
Our solutions for prime and sub-prime markets
Using our deep industry knowledge and expertise, we have developed a number of solutions specifically for prime and sub-prime markets, in:
- Branch, web and other loan origination channels
- Loan application management, credit investigation and loan structuring
- Loan creation and funding
- Leading mortgage services platforms
- Payment systems, including automated cheque handling for the U.S. market
- Dealer networks
- Collections and recovery
Our solutions for lenders
Lenders are being pressed to improve productivity and reduce costs while adapting to continually changing markets. Combining technological experience with a deep understanding of lending, we offer a selection of solutions to address these challenges:
- Cost management: controls costs related to production support, testing, product enhancement and maintenance, release management and outsourcing
- Portfolio management: supports cross-sell initiatives, customer segmentation and retention, account management and regulatory solutions such as escrow tax administration
- Business process reengineering & business process management: re-designs your business processes to improve productivity with loan workflow automation, digital asset and content management, and lending business process automation
- Business intelligence: uses database modelling and design, data warehouse migration and data cleansing and analytics to support cross-sell initiatives, customer segmentation and retention, and account management by providing the right data when you need it
- Risk management & compliance: "controls delinquency" with risk management solutions related to default management, bankruptcy and foreclosure, as well as systems to ensure compliance with specific legislation (e.g. Sarbanes Oxley, the PATRIOT Act)
- Systems consolidation: uses scalable, cost-effective solutions to accelerate the benefits of consolidation
- Securitisation: seamlessly bundles loans for secondary market sale and creates asset pools
Our lending expertise
Capgemini has more than 15 years of experience building and supporting lending systems for the world’s largest banks, lenders and retail giants. Whether you are involved in automotive, business, consumer or mortgage lending activity, we offer solutions across the value chain.
Capgemini Provides Solutions Across the Lending Value Chain
In addition, our team has extensive expertise in solutions specific to the U.S. market, including ARM, HELOC and interest-only loans.