CBX-O

COMMERCIAL LOAN
ORIGINATION PLATFORM
A cloud-native loan origination platform
empowering customers with faster and
smarter credit decisions
AN OVERVIEW:
Lending has often seen the pressure arising
out of regulatory challenges that forces banks
and financial institutions to re-assess the
cost, efficiency, sustainability and
transparency of their risk management
processes.
One would agree that success of any lending
business is highly dependent on few
yardsticks namely acquiring the right
customer at the right price and at the right
time. Origination, therefore, becomes the
most crucial phase in a loan lifecycle. Thus,
providing accessible, easy-to-use and
automated origination platform is critical for
lenders to make the process efficient and help
them reach decisions faster.
Loan origination as a process touches
varied stakeholders such as a
prospective customer, RM, underwriter,
risk manager, operations and external
agencies such as DSAs and verification
agencies. Origination systems, driven
heavily by manual interventions, can
cause inefficient processes leading to
business losses, reputational risk, sales
force attrition and portfolio risks
among others.
By 2025, 92%
of loans will
be originated
online - Market Insights
 CBX-O: INTELLECT COMMERCIAL
LOAN ORIGINATION PLATFORM
A robust API-first, cloud-native platform empowering Industry data states that:
financial institutions to make real-time informed credit Automated systems cost
decisions, first time right banks 50-90% less than
the work of hired
employees. AI increases
the quality and speed of
Reimagine Credit Decisions service, in particular
CBX-Origination (CBX-O) Introduction when analysing the
creditworthiness of the
Multi-Tenant & Consultative Tenant-Specific client.
Multi-Lingual decision- Business Rules Document
Ready making module Engine Management

Cloud-Native Real-time & Collateral Consolidated Optional

Origination Contextual Coverage tracking Action Screens Add-ons
Platform Click here to know
how CBX-O can fix
Cloud-Native Origination Platform your problems.
 ROLE-BASED BUSINESS BENEFITS
Relationship Manager
Source confidently
and quickly
• Real-time dashboards to view
action items & performance
progress
• Faster Customer on-boarding
using digital conduits
• User Engagement-based Data
Capture & Document uploads
Operations Manager
Document Execution &
Compliance
• Enable post-sanction
documentation
• Channelise Fulfillment &
Disbursal proceeds
Credit Operations Officer
Quality Proposal
Building
• Multiple Channels to
Augment Customer data
• Contextual Data Capture
Product Head
Strategise New
Products
• Accelerate new product
launch & enable faster
go-to-market
• Align market volatility with
policy change management
Risk Reviewer
Insightful Risk
Assessment
• Dashboard of Customer Risk
profile information
• Ascertain Operational, Financial
& Market Risk Exposure
• Approval Assignment with
Business & Credit Committee
Agency
Workforce
on-the-move
• Anywhere, anytime access
• Contextual Customer
information & actions at
single touch
Underwriter
Informed Credit
Decision
• Widget-based Proposal
Summary
• Graphical interpretation of key
financial metrics
• Consultative conversations
with multiple stakeholders
To deep-div e into many
more such exciting
features, click here
 DISBURSE LOANS
FASTER, SMARTER
Contextual Workspace: Superior experience &
productivity enhancement
Powering Efficiency: Accurate decisions with
structured and meaningful data to harness
real-time data for faster onboarding
Designed for Digital: Straight-Through-Processing
with AI/ML for systemic evaluation &
enforcement of credit policy
Empowered Ecosystem: Integrate the value chain
and have a seamless credit ecosystem
True Mobility: Driving speed, agility &
comprehensive customer engagement with
empowered front office channel
Want to know more?
Click here

Color Coding & Language

• Tenant-specific color coding, font
styles and logos configuration
• Multi-Lingual support
Rules & Policy Alerts & Messages
• Policy of an entity is its IP • Alerts and Message formats
• Tenant-specific Rule Engine can be configured
• Allows Rule configuration by • Alert trigger specifications
the FI itself can be configured

Interfaces Tenant Specific Fields

• Tenant-specific interfaces • CBX-O has standard forms with
• Interface authorisation key to default fields
be procured by the tenant • Tenant-specific field section
• Interface trigger What’s in each form
specifications can be • Field validation unique to
configured
Configurable each tenant
 WE WOULD BE HAPPY
TO SCHEDULE AN
EXCLUSIVE WEBINAR
FOR YOUR TEAM AND YOU.

To know more, contact:

Team Intellect
support@cbxsuite.com