Credit Conveyor is an advanced automated loan application processing system that guarantees quick decision-making, risk reduction, and improvement of customer experience. At the core of the system lies a modular approach, allowing flexible adaptation of the lending process to the needs of the bank and its clients.

🔍 Module 1: Client Verification

The first stage of the lending process is client verification. This module:
✔ Automatically checks personal data, credit history, and the financial condition of the borrower.
✔ Uses scoring models and integrations with credit bureaus, reducing the risk of default.
✔ Allows for prompt decision-making on lending, shortening the application review time.

🏡 Module 2: Collateral Assessment

To ensure the safety of lending, the module assesses the value of collateral based on:
✔ The collateral registry, data from the traffic police and market indicators..
✔ Automatic calculation of the liquidity of assets.

📊 Module 3: Loan Calculator

Allows clients to pre-calculate loan conditions, taking into account:
✔ Interest rate, term, down payment, and type of loan..
✔ Various repayment schemes (annuity, differentiated payment).
✔ Automatic determination of the maximum loan based on the borrower's solvency.

📂 Module 4: Dossier Formation

The system automatically collects and organizes loan documentation, including:
✔ Client data and signed agreements.
✔ History of interactions and loan operations.
✔ Compliance check with regulatory requirements and internal bank standards.

📝 Module 5: OCR (Optical Character Recognition)

The module automatically processes uploaded documents using OCR technology:
✔ Recognizes text in passports, contracts, income certificates.
✔ Verifies the authenticity and validity of documents.
✔ Reduces the need for manual data entry, speeding up the application processing.

🤖 Module 6: Artificial Intelligence

One of the key components of the conveyor is the machine learning module, which:
✔ Analyzes borrower behavior and detects fraudulent schemes..
✔ Predicts the likelihood of default based on big data..
✔ Optimizes decision-making, increasing the speed of approval and the accuracy of scoring.

Advantages of the Credit Conveyor

✅ Speed of application processing – automation reduces review time from days to minutes..
✅ Reduction of operational risks – intelligent algorithms minimize the influence of human factors.
✅ Transparency of the process – clear control of each stage of lending.
✅ Flexibility and scalability – ability to adapt to any banking products.

The Credit Conveyor is the future of digital lending, where speed, security, and customer convenience reach a new level! 🚀🏦