For more information about Luxoft, visitwww.luxoft.com

www.luxoft.com/financial-services/

case study

corporate Loan origination ManageMent systeM

Summary

13.09.2012

Develop a system to automate and formalize corporate borrower inspection.

u Client: a russian corporate and retail bank u Business AreA: Corporate loan origination u Asset ClAss: Corporate loans u teChnology set: Delphi 5, Oracle 9i u user Profile: Customer relations, Business research and Presale, and

analysis and Credit Transaction Processing departments (Over 500 users) u geogrAPhy: russia u relAtionshiPs stAtus: T&m u serviCes Provided: Business analysis, Development, Qa/Testing,

Production Support u teAm size: 9 team members u durAtion: 1 years

BuSineSS ChaLLenge

LuxOFT DeLivereD SOLuTiOn

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.

The Luxoft team designed a system with three main business capabilities:

u Loan origination processing

u Business process quality monitoring

u 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:

u Structuring

u Document collection and management

u enforced document reviews and approvals

u execution or suspension of the credit agreement

u amendment processing

Business process quality monitoring functions include:

u Document review and approval times

u Loan application status notification

u Loan fulfillment time analysis

Analytical and exception reporting functions include:

u Loan application analysis and exception reporting for reviewers

02Luxoft - Case Study

03Luxoft - Case Study

BeneFiTS

CuSTOmer FeeDBaCk

The bank realized the following benefits from Luxoft’s corporate credit application solution:

u Significantly reduced the time required to complete the loan origination process

u Substantially minimized credit risk by formalizing and automating the processes of review and approval

u improved strategic and tactical decision‐making with targeted reporting

u increased the reliability and precision of loan documentation

Detailed feedback will be provided on request.

about luxoftLuxoft, 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 www.luxoft.comwww.luxoft.com/financial-services/

© 2012 Luxoft