From deal origination date on FERNBACH provides solutions to track the development of credit risks; we support the consideration of credit risk in all phases of the life cycle of a loan.
For the Loan Application Process the application provides a credit spread which should be part of the interest condition. This credit spread takes into account the PD and LGD of the individual deal.
FERNBACH supplies an API that can be integrated into the credit application process. In addition, this API can also be used to calculate the ECL with the FERNBACH Customer Impairment Workbench and then transform it into a credit spread.
In the past, banks had to decide between web sales or over-the-counter sales. Nowadays, we can bring technology to branch offices and show business units how an omni-channel sales strategy can quickly increase income by using our models.
FERNBACH provides a cutting-edge front office system with omni-channel sales functions that can be used either in a branch office, online, as a self-service, app or mobile device. Lending products can be set up in the system and process models can be restructured.
Our experience in corporate financing has shown us that although every loan is different, the processing of lending operations has to comply with standardised processes as well as regulatory requirements. Our solution can meet these contradictory demands very effectively.
With its White Label Lending solution, FERNBACH provides an end-to-end lending system that is particularly suitable for FinTech start-ups. The underlying lending product design is mapped easily and flexibly by using a web and app interface.