HES Lending Platform automates mortgage operations from onboarding and AI assessment, to complex calculations with contracted and actual schedules.
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.
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.
Automate workflows from a loan disbursement to its closure. Get a robust engine for greater process-driven efficiency.
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.
HES Mortgage Software can be configured and implemented in 3-4 months. The solution consists of a number of modules that can be customized according to your business needs and legal requirements. The software supports localization worldwide.
On the basis of the HES Core™, the HES team delivers bespoke lending systems to financial institutions of all sizes. The Core has over 20 components and modules that can be configured and used independently or holistically.
All lending platforms by HES Fintech are built utilizing a Java tech stack, including Java 11, Spring 5, and PostgreSQL 11. The system handles Camunda BPM-engine, open-source technologies, AI/ML algorithms.
HES brings flexibility and automation, thus helping mortgage lenders adapt to market trends and introduce new products at a faster pace. No vendor lock-in or penalty for growth.