Corporate Loan Origination System
Automate your end-to-end lending process, enhancing organisational efficiency, driving profitability and delivering a truly valuable loan experience to your customers.
Simplify your end-to-end lending process and drive profitability with security
To satisfy the increasing need for convenience, simplicity and customised service, modern lenders need to transition from a transaction-focused approach to one centred around the customer. At the same time, they must pursue strategic growth objectives to maintain a competitive edge. Meeting these challenges necessitates an intelligent loan origination platform that can streamline operations while fostering engagement and innovation.
Developed by lending and technology experts with over 30 years of experience, BenchMatrix’s Corporate Loan Origination System (LOS) goes beyond being merely a system of record; it serves as a catalyst for engagement and expansion. With our Corporate LOS, navigating the complexities of the traditional lending model becomes achievable with a few clicks. While providing comprehensive core lending functionality, BenchMatrix’s Corporate LOS’s adaptable architecture enables you to stay ahead of emerging trends, expand into new markets, and power your future endeavours.
- Complete end-to-end solution.
- Streamline and automate the loan origination process.
- Faster approvals and disbursements.
- Ensure adherence to regulatory requirements and internal policies.
- Better evaluate borrower creditworthiness and identification of potential risks.
- More informed decision making process.
- Seamless application process for borrowers and enhanced satisfaction & customer loyalty.
- Valuable insights through detailed data analytics enabling better decision-making and strategic planning.
- Reduced operational costs






Access next-generation lending tools and differentiate yourself with customers
Streamlining credit management from individual borrowers to group entities
The LOS offers modules for obligor and group management, facilitating the capture of detailed information and tracking of relevant data, while also enabling the creation and management of obligor profiles, which represent borrowers or entities seeking credit.
Key features
- Obligor Creation and Management
- Group Creation and Tagging



Navigate with Ease, Decide with Clarity
The overview/CA face module is designed to provide an aggregated and concise view of the data captured in multiple modules within a package/credit proposal during the review process. It enables reviewers to access crucial information for decision-making and facilitates ease of review by eliminating the need to navigate across multiple modules.
Key features
- Review-only Access
- Change Log Impact
- Financials and Variances
- Conditions and Documents
- Policies and Non-Compliance
- Obligor and Facility Information
- Approvers Comments



Effortless Credit Facility Management
The Facilities within the LOS facilitates the management of credit facilities being proposed for approval or making amendments to the already approved existing facilities. It allows for the creation, modification, and tracking of different types of loan facilities, such as term loans, lines of credit, or overdrafts.
Key features
- Facility Classification
- Data Capture
- Sub Limits / Interchangeable Limits
- Representation of Data
- Validation Check



Seamlessly Manage Collaterals with Ease
The Collaterals module within the LOS facilitates the management of the collaterals / securities that shall be shared by the obligor. It allows for the creation, modification, and tracking of different types of collaterals.
Key features
- Collateral Classification
- Data Capture
- Representation of Data
- Validation Checks



Streamlining Facility Management with LOS Coverage Module
The facility coverage module within the LOS facilitates the management of facilities and their associated collaterals / securities providing coverage to these facilities.
Key features
- Representation of Data
- Linkage of Facilities and Collaterals
- Group Collaterals
- Primary/Secondary Collaterals



Streamline Loan Documentation Management with Ease
The Documentation module allows users to manage the documentation process associated with loan origination. It provides functionality for generating, storing, and organizing loan-related documents, such as application forms, credit agreements, legal contracts, and other supporting documents. The module supports document versioning and secure storage, ensuring compliance and efficient record-keeping.
Key features
- Preconfigured Document Types
- Document Attachment
- Custom Document Creation
- Downloading Attached Documents
- Receiving Documents
- Deferral / Waiver of Documents



Seamlessly Monitor and Manage Covenants & Conditions
The Covenants/Conditions module enables the management and monitoring of loan covenants and conditions. Covenants are predefined requirements that obligors must fulfill during the loan term, such as maintaining certain financial ratios or providing periodic reporting.
Key features
- Covenant compliance management.
- Pre- and post-approval conditions for obligors.
- Easy accessibility from package menu, home screen, and All Obligors Menu.
- Transaction and obligor-specific review.
- System-wide visibility of conditions for all obligors.



Review, Approve, and Exceptionalize with Ease.
The Policies and Exceptions module within the LOS enables the users to review the list of pre-configured policies populated for an obligor. The module also facilitates the management of exceptions to policy rules, allowing authorized personnel to review and approve deviations from standard policies when necessary.
Key features
- Preconfigured Policies
- New Policy/Exception Creation
- Policy Compliance
- Deferral/Waiver/Open Exceptions
- Linkage with Covenants/Conditions



Assess, Evaluate, Secure.
The Risk Rating module provides comprehensive risk assessment capabilities for evaluating obligors and loan applications. It includes various risk rating methodologies, such as the Obligor Risk Rating (ORR), Facility Risk Rating (FRR), Environmental and Social Risk Rating (ESRR), etc.
Key features
- Risk Rating Configuration
- Risk Rating Models
- Scorecard Definition
- Obligor Risk Rating
- Facility Risk Rating
- Environmental and Social Risk Rating



Unlock Financial Clarity
The Financials module allows for the capture, analysis, and reporting of financial data related to loan origination. It provides functionality to capture financial statements, perform variance analysis against historical data, and conduct peer group analysis to benchmark obligor financials. This module aids in credit underwriting and decision-making by providing insights into the financial health and performance of obligors.
Key features
- Financial Capture (Chart of Accounts)
- Formula Fields and Inputtable Fields
- Variance Analysis
- Peer Group Analysis



Tracking Progress, Preserving Decisions
The History module is designed to maintain a record of the activities and changes that occur during the review and decision-making process. It consists of several sub-modules that capture different aspects of the case history.
Key features
- Workflow Log
- Request History
- CA TAT



Streamlined Workflow, Tailored Efficiency
The workflow-based system utilizes a bucket format to manage loan origination processes efficiently. The system is designed to ensure that users with the appropriate hierarchy/segment and region rights are available in the workflow to handle loan applications based on configured user profiles, steps, and approval hierarchy criteria.
Key features
- Bucket-Based Workflow
- Workflow Routing (Case Reversion and Forwarding)
- Approval Hierarchy
- Approval Tracking
- Escalation Mechanism
- Audit Trail
- Queries & Conditions Module
- Approved Cases and Amendments



Effortlessly manage post-approval credit tasks
The LOS includes functionalities to support post-approval credit administration activities. This includes the management of loan disbursements, tracking repayment schedules, processing fee calculations, and managing loan amendments or extensions. The system automates these administrative tasks, reducing manual effort and ensuring accuracy in loan servicing.
Key features
- Collateral Management
- Facility Offer Letter Issuance
- Disbursement Authorization Certificate



Seamless Compliance, Enhanced Monitoring
In addition to the functionalities mentioned earlier, a Loan Origination System (LOS) can include features related to internal limit / regulatory limits monitoring of benchmarks and notifications. The LOS provides monitoring and notification capabilities to ensure timely actions and compliance.
Key features
- Turnaround Time Monitoring
- Expiry Notifications
- Condition/Covenant Notifications
- Regulatory Limits Monitoring
- Benchmark Configuration
- Real-time Monitoring
- Notifications and Alerts



Empowering Decision-Making with Insightful Reporting and Compliance Capabilities.
The LOS provides reporting and analytics capabilities to generate meaningful insights and support data-driven decision-making. Reporting functionalities related to benchmark monitoring and compliance can be included in the LOS. These reporting features enable the generation of comprehensive reports for regulatory purposes.
Key features
- Preconfigured Reports
- Ad Hoc Reporting
- Trend Analysis
- Compliance Reports
- Historical Data Analysis
- Audit Trail
- Regulatory Reporting Templates
- Custom Reporting
- Data Export
- Core Banking Integration
- Credit Bureau Integration
- Document Management Integration
- Reporting and Analytics Integration



Streamlining credit management from individual borrowers to group entities
The LOS offers modules for obligor and group management, facilitating the capture of detailed information and tracking of relevant data, while also enabling the creation and management of obligor profiles, which represent borrowers or entities seeking credit.
Key features
- Obligor Creation and Management
- Group Creation and Tagging



Navigate with Ease, Decide with Clarity
The overview/CA face module is designed to provide an aggregated and concise view of the data captured in multiple modules within a package/credit proposal during the review process. It enables reviewers to access crucial information for decision-making and facilitates ease of review by eliminating the need to navigate across multiple modules.
Key features
- Review-only Access
- Change Log Impact
- Financials and Variances
- Conditions and Documents
- Policies and Non-Compliance
- Obligor and Facility Information
- Approvers Comments



Effortless Credit Facility Management
The Facilities within the LOS facilitates the management of credit facilities being proposed for approval or making amendments to the already approved existing facilities. It allows for the creation, modification, and tracking of different types of loan facilities, such as term loans, lines of credit, or overdrafts.
Key features
- Facility Classification
- Data Capture
- Sub Limits / Interchangeable Limits
- Representation of Data
- Validation Check



Seamlessly Manage Collaterals with Ease
The Collaterals module within the LOS facilitates the management of the collaterals / securities that shall be shared by the obligor. It allows for the creation, modification, and tracking of different types of collaterals.
Key features
- Collateral Classification
- Data Capture
- Representation of Data
- Validation Checks



Streamlining Facility Management with LOS Coverage Module
The facility coverage module within the LOS facilitates the management of facilities and their associated collaterals / securities providing coverage to these facilities.
Key features
- Representation of Data
- Linkage of Facilities and Collaterals
- Group Collaterals
- Primary/Secondary Collaterals



Streamline Loan Documentation Management with Ease
The Documentation module allows users to manage the documentation process associated with loan origination. It provides functionality for generating, storing, and organizing loan-related documents, such as application forms, credit agreements, legal contracts, and other supporting documents. The module supports document versioning and secure storage, ensuring compliance and efficient record-keeping.
Key features
- Preconfigured Document Types
- Document Attachment
- Custom Document Creation
- Downloading Attached Documents
- Receiving Documents
- Deferral / Waiver of Documents



Seamlessly Monitor and Manage Covenants & Conditions
The Covenants/Conditions module enables the management and monitoring of loan covenants and conditions. Covenants are predefined requirements that obligors must fulfill during the loan term, such as maintaining certain financial ratios or providing periodic reporting.
Key features
- Covenant compliance management.
- Pre- and post-approval conditions for obligors.
- Easy accessibility from package menu, home screen, and All Obligors Menu.
- Transaction and obligor-specific review.
- System-wide visibility of conditions for all obligors.



Review, Approve, and Exceptionalize with Ease.
The Policies and Exceptions module within the LOS enables the users to review the list of pre-configured policies populated for an obligor. The module also facilitates the management of exceptions to policy rules, allowing authorized personnel to review and approve deviations from standard policies when necessary.
Key features
- Preconfigured Policies
- New Policy/Exception Creation
- Policy Compliance
- Deferral/Waiver/Open Exceptions
- Linkage with Covenants/Conditions



Assess, Evaluate, Secure.
The Risk Rating module provides comprehensive risk assessment capabilities for evaluating obligors and loan applications. It includes various risk rating methodologies, such as the Obligor Risk Rating (ORR), Facility Risk Rating (FRR), Environmental and Social Risk Rating (ESRR), etc.
Key features
- Risk Rating Configuration
- Risk Rating Models
- Scorecard Definition
- Obligor Risk Rating
- Facility Risk Rating
- Environmental and Social Risk Rating



Unlock Financial Clarity
The Financials module allows for the capture, analysis, and reporting of financial data related to loan origination. It provides functionality to capture financial statements, perform variance analysis against historical data, and conduct peer group analysis to benchmark obligor financials. This module aids in credit underwriting and decision-making by providing insights into the financial health and performance of obligors.
Key features
- Financial Capture (Chart of Accounts)
- Formula Fields and Inputtable Fields
- Variance Analysis
- Peer Group Analysis



Tracking Progress, Preserving Decisions
The History module is designed to maintain a record of the activities and changes that occur during the review and decision-making process. It consists of several sub-modules that capture different aspects of the case history.
Key features
- Workflow Log
- Request History
- CA TAT



Streamlined Workflow, Tailored Efficiency
The workflow-based system utilizes a bucket format to manage loan origination processes efficiently. The system is designed to ensure that users with the appropriate hierarchy/segment and region rights are available in the workflow to handle loan applications based on configured user profiles, steps, and approval hierarchy criteria.
Key features
- Bucket-Based Workflow
- Workflow Routing (Case Reversion and Forwarding)
- Approval Hierarchy
- Approval Tracking
- Escalation Mechanism
- Audit Trail
- Queries & Conditions Module
- Approved Cases and Amendments



Effortlessly manage post-approval credit tasks
The LOS includes functionalities to support post-approval credit administration activities. This includes the management of loan disbursements, tracking repayment schedules, processing fee calculations, and managing loan amendments or extensions. The system automates these administrative tasks, reducing manual effort and ensuring accuracy in loan servicing.
Key features
- Collateral Management
- Facility Offer Letter Issuance
- Disbursement Authorization Certificate



Seamless Compliance, Enhanced Monitoring
In addition to the functionalities mentioned earlier, a Loan Origination System (LOS) can include features related to internal limit / regulatory limits monitoring of benchmarks and notifications. The LOS provides monitoring and notification capabilities to ensure timely actions and compliance.
Key features
- Turnaround Time Monitoring
- Expiry Notifications
- Condition/Covenant Notifications
- Regulatory Limits Monitoring
- Benchmark Configuration
- Real-time Monitoring
- Notifications and Alerts



Empowering Decision-Making with Insightful Reporting and Compliance Capabilities.
The LOS provides reporting and analytics capabilities to generate meaningful insights and support data-driven decision-making. Reporting functionalities related to benchmark monitoring and compliance can be included in the LOS. These reporting features enable the generation of comprehensive reports for regulatory purposes.
Key features
- Preconfigured Reports
- Ad Hoc Reporting
- Trend Analysis
- Compliance Reports
- Historical Data Analysis
- Audit Trail
- Regulatory Reporting Templates
- Custom Reporting
- Data Export
- Core Banking Integration
- Credit Bureau Integration
- Document Management Integration
- Reporting and Analytics Integration






























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Global industry expertise
With 14+ years of experience in providing tech solutions & services to financial institutions around the world, we understand all possible the complexities and challenges.Seamless integration
We understand the importance of ensuring your tools and processes work smoothly together. Our top-notch solutions seamlessly integrate your existing core systems, making work more efficient.Cutting-edge technology
We leverage advanced technologies to help you stay ahead in the world of finance by empowering you to take control of operations, risks & compliance at all levels.Scalable solutions
Ranging from small & medium sized enterprises to expansive global enterprises, our solution's adaptability and scalability enable us to mould them your way.Dedicated support
From implementation to ongoing assistance, we provide exceptional support throughout your journey through a dedicated customer success manager for you.Flexible deployment
We ensure you get the solution that is the right fit for your organisation. From on-premises deployment to cloud deployment, we are your partner in success.Reach out to us
We’re happy to answer any questions you may have and help you determine which of our services best fit your needs.
Committed to delivering excellence
- 14 Years of Experience
- 100+ Clients
- 16 Countries
- 5 Regions
What happens next?
We schedule an introductory call
We do a
discovery meeting
We share a tailored proposal