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case study 13.09.2012

Corporate Loan Origination Management System Summary Develop a system to automate and formalize corporate borrower inspection.

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Client: A Russian corporate and retail bank Business Area: Corporate loan origination Asset Class: Corporate loans Technology Set: Delphi 5, Oracle 9i User Profile: Customer Relations, Business Research and Presale, and Analysis and Credit Transaction Processing departments (Over 500 users) Geography: Russia Relationships Status: T&M Services Provided: Business Analysis, Development, QA/Testing, Production Support Team Size: 9 team members Duration: 1 years

Business Challenge To maintain a competitive advantage in the fast‐moving corporate loan market, the bank began an initiative to automate and formalize its loan origination processes: application, approvals, risk management, review and analysis, and the execution of the credit agreement. The new system must reduce the time to complete the loan origination while increasing the integrity of credit decisions and loan documentation.

Luxoft Delivered Solution The Luxoft team designed a system with three main business capabilities: uu Loan origination processing uu Business process quality monitoring uu Analytical and exception reporting These capabilities work seamlessly together to advance the bank’s goals of faster processing time with sound credit decisions and best‐practice business processes. Loan origination functions include: uu Structuring uu Document collection and management uu Enforced document reviews and approvals uu Execution or suspension of the credit agreement uu Amendment processing Business process quality monitoring functions include: uu Document review and approval times uu Loan application status notification uu Loan fulfillment time analysis Analytical and exception reporting functions include: uu Loan application analysis and exception reporting for reviewers Luxoft - Case Study


Benefits The bank realized the following benefits from Luxoft’s corporate credit application solution: uu Significantly reduced the time required to complete the loan origination process uu Substantially minimized credit risk by formalizing and automating the processes of review and approval uu Improved strategic and tactical decision�making with targeted reporting uu Increased the reliability and precision of loan documentation

Customer Feedback Detailed feedback will be provided on request.

Luxoft - Case Study


About luxoft

Luxoft, a principal subsidiary of IBS Group, is a provider of advanced application and software engineering outsourcing services for global and regional enterprises. Luxoft builds partnerships with its clients, such as Boeing, IBM, Deutsche Bank, UBS, Harman, Avaya, Alstom, and Sabre, based on the culture of engineering excellence, innovation, and deep domain expertise. Luxoft offers international delivery capability through its network of state-of-the-art delivery centers in North America, Eastern Europe, and Asia. Luxoft`s customers benefit from the right mix of technology skills, industry knowledge, proprietary processes and methodologies, and a choice of engagement models. For more information about Luxoft, visit

Š 2012 Luxoft

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