Whether you are a bank, alternative lender, credit union or finance company, HES BPM-driven consumer loan software manages complex workflows in a seamless and automated way.
From a fast end-to-end application process to managing document flows and collecting payments, the platform stands for the critical demands of both consumers and lenders.
Reduce loan processing time to increase efficiency and enhance the customer experience. Automate each step of your credit process for faster and better loan decisions. Speed up time to fund and eliminate manual processing throughout the lending lifecycle.
Streamline loan servicing with dozens of possible customization options. Set up calculation for various loan types, payment protection plans, and keep your business compliant with loan operation regulations.
Automate underwriting process, thoroughly assess the financial standing of potential borrowers and better identify creditworthy customers.
Have your in-house decision-making process or leverage proprietary scoring models and credit bureau ratings. Adjust and train the system to make correct decisions once sufficient data is collected.
Automate and optimize collection operations. Sophisticated and flexible soft or legal collection features, pre-collection module. Implement automatic notifications (email, SMS, etc.), adjust a loan repayment module according to your business needs.
HES utilizes a Java technology stack, including Java 11, Spring 5, PostgreSQL 11. The architecture is based on FOSS-technologies with no licensing fees, except for the source code of the platform.
HES addresses security measures through the SDLC. On top of this, the system guarantees full compliance with domestic and international legal regulations, as well as data privacy protection.
HES loan software is made of a collection of 20+ prebuilt modules that span customer onboarding, KYC and credit scoring, LOS, product engines and calculations, workflow, document management, and more.