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Mortgage lending
Would you like to transfrom and simplify the Mortgage Lending Experience by using best-in-class technology, creating better experience and maintaining high-security standarts?
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Technology is constantly reshaping Mortgage Market as lenders seek new ways to streamline, simplify and accelerate each step of the mortgage origination process. A digital mortgage nowadays is more than just utilizing technology at the specific stage of the mortgage life cycle. It requires the evolution of the entire lending process through digital transformation of each activity or service, from preparing documents to closing deals. It can speed-up and simplify mortgage loan processing and create advanced customer experience while lowering operating costs, improving compliance and reducing risks.
KEY CHALLENGE FACED BY MORTGAGE LENDERS
Mortgage lenders need to eliminate these inefficiencies by streamlining, digitalizing and integrating processes.

High number of manual operations

  • Review of submissions
  • Identity check
  • Contract management process

Paper-based processing

  • Paper-centric document management process
  • Multiple types of documents and contracts

Inability to meet changing compliance requirements

  • Rapidly changing and strict regulatory requirements
  • Regulatory investigations, surveillance and reviews

Incomplete Automation

  • Lack of information flows and data sharing between every business process participant
  • Long approval time + competitors

No single information space

  • Multiple reduntant processes and systems
  • Inability to provide a personalized experience across channels

Lack of transparency

  • The inability to collect metrics and control the deadlines
  • Poor/ Insufficient perfomance monitoring
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OUR DIGITAL SOLUTION PRESENTS A NEW APPROACH

TO THE MORTGAGE LENDING

Atomazing offers a highly adjustable low-code solution that streamlines mortgage lending and ensures end-to-end automation of home loans resulting in the lowest time-to-yes at the market and enabling superior Customer Experience.


The solution helps to overcome all the above challenges by automating application processing, decision-based routing, rule-driven scoring, compliance checks, decisioning and generation of loan documentation with further registration and authorization of agreements. The solution helps in increasing the productivity of employees by implementation of a single workspace, reducing the number of errors during data entry and integration with front-end systems like Customer’s and Partner’s Personal Accounts.

Business capabilities
  • Creating an application from different channels
  • Mortgage loan workflow
  • Rule-driven credit scoring
  • Automated collateral checks
  • Real-time decisioning
  • Automated mortgage loan documentation
  • Authorization & disbursement
Technical capabilities
  • Both BPMN & DMN standards
  • Requesting data from external sources
  • Integration with front systems, CBS & back office systems
  • Integrated product catalog service
  • Storage of application data including decision history
  • Notifications settings, task distribution
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Reference Banking Architecture

OUR CASE STUDIES

Morgage Lending Automation
A leading European bank reached a 300 million USD portfolio in mortgage lending
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