SOLUTION SHEET
Newgen Commercial
Lending Solution
Overview
The Commercial Lending market is booming and the time is right for Banks and Financial Institutions to leverage this
opportunity. The dynamics of the market are governed by stringent regulations and high value, risk prone transactions.
Modernizing processes, backed by a scalable IT environment, driving operational efficiency and balancing costs have
become a pre-requisite for survival and success. IT applications which drive unification across departments and
hierarchical operational structures are much in demand. Financial Institutions while investing in such applications
also have to ensure that business values across functions are maximized. These applications should be able to
break down silos and create a single window platform for Commercial Lending across the enterprise.
Newgen Commercial Lending Solution
Newgen offers a highly flexible and scalable solution that provides life-cycle management of all aspects of commercial
lending.
Newgen Solution Differentiators
Ready-made solution accelerators for executing and managing end-to-end services such as origination / initiation
to disbursement and servicing.
 Integration with a Banks third party and legacy applications such as Core Banking Solutions, Rating applications,
External Credit Bureau systems etc.
 Innovations such as mobile based initiation and servicing lead to faster customer on-boarding, augmenting
business volumes and also enhance customer satisfaction.

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Newgen Solutions
Solution
 Ready-made solution
accelerators
 Easy integration with
third party applications
Solution Accelerators
Newgen Commercial Lending solution comes with ready-made rules driven accelerators, handling critical functions
within the Commercial Lending cycle.
 Lead Management - End-to-end management of leads from prospecting to maturity with cross-sell and up-sell
opportunities

Initiation - Faster on-boarding, integration with third party credit agency applications for improved customer
information

Underwriting and Credit Analysis - Smart analytics to slice & dice applicant's data for risk assessment

Due Diligence - Rules driven risk rating module with over 200 parameters

Decisioning and Approvals - Rules defined parameters for validations and approvals such as amount based, credit
score based, collateral or risk assessment based

Funding - Easy and informed funding aided by document re-checks and dynamic information linking

Servicing & Restructuring - Facilitates asset management, expedites partial settlements, credit extensions and
fore closures

Monitoring & Reporting - Configurable functional, operational and investigative reports & dashboards

Collateral Management - Facilitates releasing and updating collaterals, collateral movement, valuations and other
linked processes

Collections - Smarter management of delinquent accounts and customized information for lesser defects
SOLUTIONS FOR BUSINESS PROCESS & CONTENT MANAGEMENT
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Newgen Commercial Lending Solution
Solution Accelerators
Funding
Lead Management
Initiation
Servicing & Restructuring
Underwriting and Credit Analysis
Monitoring & Reporting
Due Diligence
Collateral Management
Decisioning and Approvals
Collections
BPM I ECM I CCM Platform
Core Banking
Credit Ratings
Credit Bureau
Others
Salient Features

Unified Operations - The Newgen solution helps Financial Institutions break down silos which impede smooth
operations and process visibility. The solution creates a single window system wherein everyone in the system right
from the Relationship Manager to the administration staff and credit risk analysts are in sync.

Flexibility - With the Solution, Financial Institutions have the advantage of adding enterprise specific workflows,
business rules, forms and reports suiting their needs. The Solution is not just a coded black box but allows the
development of bank specific configurations and customization.

Scalability - The Commercial Lending Solution is built on top of Newgen's Intelligent Business Process
Management Suite (iBPMS), Enterprise Content Management Suite (ECM) and Customer Communications
Management Suite (CCM) helping financial institutions utilize the same platform for other Lines of Business .These
suites also allow Banks to expand into other solutions such as SME Loans, Retail Lending, Trade Financing, and
Account Opening etc.
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Business Benefits
The Newgen Commercial Lending Solution through its capabilities enables lenders to realize significant business value.
The solution capabilities assist stakeholders and departments across the enterprise to invariably realize multiple
benefits. These benefits help in improving the overall performance of lending, funded and non funded loans, adhering to
market regulations and risk assessment.
A combination of these factors assists in increasing sales opportunities, reducing loan origination cycle time and
improving overall asset quality and portfolio. Further, the accelerators address varying market needs along with driving
better decision making and increasing the overall agility of processes and transactions.
Business value and benets through Newgen's Corporate LOS Solution Accelerator
Increase
Profitability
Newgen Commercial Loan Solution
Lead Management
Loan Initiation Disbursement
Our Sales
Customers
&
Marketing
Operations
Credit & Risk
Loan Servicing
Technology
Senior
Management
 Increased
 Reduced
 Improve Due
 Robust
 Ease of
customer
acquisition
 Increased
cross selling
opportunities
 Reduced
income
leakages
Operating
Costs
 Improve
Efciency
 Transparency
& traceability
in lending cycle
 Reduced
operational
risks
Diligence
 Eliminate Non
Compliance
 Reduce Loan
Risk
Framework
and modular
Platforms
 Reduce
Technological
Risk
 Increase
Digitization
Portfolio
Management
 Improve
Decisions
 Reduce
Business Risk
Reduce
Business
Risk
Business
Value
Increase
Customer
Satisfaction
Increase
Business
Agility
About Newgen
Newgen Software is a leading global provider of Business Process Management (BPM), Enterprise Content Management (ECM) Adaptive Case
Management (ACM) and Customer Communication Management (CCM), with a global footprint of 1200+ installations in over 58+ countries with
large, mission-critical solutions deployed at the world's leading Banks, Insurance firms, BPO's, Healthcare Organizations, Government, Telecom
Companies & Shared Service Centers.
Newgen's Quality Systems are certified against ISO 9001:2008 and Information Security Standard, ISO 27001:2013. Newgen has been assessed at
CMMi Level 3.
WRITE US AT
CALL US AT
USA & CANADA: [email protected]
USA & CANADA: +1 (202) 800 7783
INDIA: [email protected]
INDIA: +91 11 40773769
APAC: [email protected]
APAC: +65 3157 6189
EMEA: [email protected]
EMEA: +44 (0) 2036 514805, +973-1-619-8002
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