Mortgage Lending Software

Origination

Decision-Making

Loan Management

Servicing

Collections

Origination

HES Lending Platform automates mortgage operations from onboarding and AI assessment, to complex calculations with contracted and actual schedules.

— Online onboarding process
— Automated entry of applications into the system for data validation and auto-conditioning
— Loan pipeline management (work queues, tasking, SLA tracking)
— Customer due diligence and document management

Loan Origination

Decision-Making

Minimize credit scoring risks while increasing control. Assess the financial standing of borrowers and make more accurate underwriting decisions. Perform instant credit checks, verify identity, and filter out the unqualified borrowers.

— Integrate with third-party scoring service providers
— Implement your own risk assessment algorithms externally
— Use your own decision rules inside of the HES system and our inbuilt DMN
— Leverage an AI-powered scoring platform by HES Fintech

Loan Management

An end-to-end loan management system that covers the entire loan lifecycle — all the way from loan origination to servicing. Create multiple loan product types (fixed/flex, IO/PI) and limitless border cases.

— Get a complete overview of loan accounts in the CRM
— Add new or vary products quickly through configuration
— Manage offers, contracts, loan agreements, notes, and other system documents
— Role-based access settings

Loan Management

Servicing

Automate workflows from a loan disbursement to its closure. Get a robust engine for greater process-driven efficiency.

— Simulate payment schedule with loan amounts and terms
— Loan payment calculation and payment date change
— Generate various payment schedules
— Process a loan discharge

Loan Servicing

Collections

Automate collection workflows (reminders and notifications, soft collection, legal documents) and integrate with any collection agency. Get a configurable collections workflow for arrears management, promise to pay, realization, hardship, complaints, etc.

— Manage overdue loans (check status, notify, etc.)
— Generate personalized notifications and letters
— Utilize bad debt management (restructuring, litigation, write-offs)

Debt Collection

Origination

Decision-Making

Loan Management

Servicing

Collections

Mortgage Software Solution