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Products->FinExpert&tm

 

     
 

Finexpert™ is an affordable, multi-user, GWT-based, credit portfolio management software. It’s based on our EconExplorer™ technology, making it highly configurable and runs in most common, modern web browsers consistently. By distributing processing between the client and the server, it significantly reduces network traffic and the load on a server.

With Finexpert™ you will never miss a payment, significantly reduce delinquencies, increase profitability and accountability in your organization. With a few simple clicks, you can get complete overview of your organization's performance for any period, instrument, and employee!

It offers an easy workflow-based processing model, allowing system users to delegate credit and loan application processing, delinquency follow-up and collection to various users with different roles. Highly scalable from a few users to hundreds in horizontal scaling or cloud deployment.

Features include:

Client Registration

  • Client registration with complete personal and financial information
  • Processing status assignment and processor to further process applications
  • Partially save documents and resume processing at a later time
  • Configurable and searchable client list with role-based document removal and addition
  • Pending registration and loan application notification upon login
  • Configurable currency setting
  • Automatic debt-to-income-ratio calculation
  • First-come locking of accounts, preventing other users from modification with time release
  • Database failover mechanism

 FinExpert 5.1.7

Loan Processing

  • Workflow-based loan processing
  • Unlimited number of loans per client’s account
  • Amortization schedule based on loan definition parameters
  • Loan re-amortization
  • Loan restructuring with automatic data transfer
  • Automatic calculation of loan status upon loading into loan calculator, either for the entire amortization schedule or partially
  • Adjustable penalty rate per loan
  • Automatic penalty calculation per amortization payment
  • Processing fee either as a percentage of loan principal or flat rate
  • Processing fee included in amortization schedule
  • Check payment processing per amortization payment
  • Co-applicant processing per loan
  • Up to 3 collateral per loan
  • Up to 5 processor per loan throughout its term
  • Printable HTML-based account statement per loan
  • Configurable and searchable loan list with role-based document removal and addition
  • Configurable legal status assignment and processor per delinquent/defaulted loan
  • Configurable grouping of loans for reporting and portfolio performance
  • List of pending applications and loans

 

Check rediscounting

  • Unlimited number of rediscounted checks per client account
  • Configurable and searchable re-discounted list of checks with role-based removal
  • Automatic statistical summary of client’s rediscounted checks
  • Unlimited number of extension payments per check
  • Split cash and check fund release
  • User adjustable grace period in calculation
  • Entire portfolio performance summary
  • Fund availability calculation based on either target date or number of days with listing of checks and accounts
  • Printable HTML report

 

Dashboards and Key Performance Indicators (KPI):

Portfolio KPI based on:

  • instrument type
  • Date range
  • Account handler
  • Solicitor
  • Printable HTML report

 

Maturity Report:

  • Quick interactive report on loans becoming mature
  • Parametrized by:
    • Instrument type
    • Date range
  • Load client’s account directly from the report
  • Printable HTML report

 

Delinquency Report:

  • Interactive delinquency report with quick summary
  • Parametrized by:
    • Date range
    • Instrument type
    • Group
    • Legal status
    • Account handler
    • Solicitor/canvasser
  • Load client’s account directly from the report
  • Searchable by client and group
  • KPI summary based on the report settings
  • KPI summary per delinquent account as you interact with the report
  • Interactive detailed list of client’s delinquent payments with latest posted note
  • Printable HTML report with option to include/exclude payments
  • Printable account handler report for follow-up with a client

 

Paid-off Loan Report:

  • Interactive report with quick summary
  • Parametrized by:
    • Date range
    • Instrument type
    • Group
    • Legal status
    • Account handler
    • Solicitor/canvasser
  • Load client’s account directly from the report
  • Searchable by client and group
  • KPI summary based on the report settings
  • KPI summary per account as you interact with the report
  • Interactive detailed list of client’s payments with latest posted note
  • Printable HTML report with option to include/exclude payments
  • Printable account handler report

 

Lead Generation Report:

  • Create interactive lead generation report to evaluate employee performance
  • Parametrized by:
    • Date range
    • Lead type
    • Instrument type
    • Solicitor/canvasser
  • Load account from the report for further review

 

Account Receivable/Collection Report:

  • Create interactive account receivable/collection report
  • Parametrized by:
    • Date range
    • Instrument type
    • Account handler/processor
    • Solicitor/canvasser
  • KPI summary based on the report settings
  • KPI summary per receivable date as you interact with the report with detailed list of received payments and accounts
  • Cumulative net received amount per date with target principal amount and interest versus actual received amount
  • Expected post-dated check(s) amount
  • Load client’s account directly from this report
  • Printable HTML report with option to include/exclude payments

 

Annual Portfolio Performance Report:

  • Create annual portfolio performance report broken down monthly
  • Parametrized by:
    • Date range
  • Printable HTML report


To request a demo or for inquires, please email us.

 

 
   
 

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