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Overview of Loan Origination Solution

The process of issuing a loan involves a series of steps right from acquiring a borrower, to processing their information, to vetting their credit standing, documentation and then finally either approval and disbursal of funds or disapproving the loan.

Nelito's loan origination solutions (LOS) can streamline all these processes offering a comprehensive solution to loan origination requirements while improving efficiency, mitigating risks and improving borrower relationships.

Process of Loan Origination Solution

As one of the chosen solution for automation of the Loan Origination process, Nelito's Loan origination solution helps whether you are a Bank, NBFC, credit union, Microfinance company or a financial institution. The LOS helps in automating loan origination cycle starting from Lead generation to Customer On Boarding.

Lead Management

The lead management activities are as below

Lead Management Features

Important Features of Lead Management are as below

  • Omni Channel / Multi Agency Integration
  • Integrated TAT engine
  • Deduplication check
  • Real time status reporting
  • Built-in Configurable Workflows
  • Built-in Configurable Business Rule Engine (BRE)
  • Configurable deviation management
  • Risk based pricing configuration
  • Assessment of Borrower Financial Capacity
  • Role specific dashboards

Loan Origination:

The activities performed in Loan Origination are as follows

Loan Origination Features

Important Features of Loan Origination are as below;

  • Built-in Configurable Workflows
  • Analysis by Credit Application Review Technique (CART) and Credit Risk Assessment Module (CRAM) Technique
  • Built-in Credit Scoring
  • Built-in Configurable Business Rule Engine (BRE)
  • 360-degree view of borrower / Loan application
  • Soft approval through STP Process engine
  • Role specific dashboards

Benefits of Loan Origination Solution

The Nelito loan origination solution offers you the following benefits

  • Faster processing of the loan origination cycle right from lead management to closing
  • Better customer service due to faster response time, multichannel communication systems
  • Real time monitoring of loan process
  • Greater transparency within the organization
  • Improved flexibility to introduce new loan products compliant with regulator guidelines
  • Greatly reduced defaults ensuring optimum returns

Thus Nelito equips you with all the tools required to ensure customer satisfaction – new competitive loan products, reduced processing time and faster disbursal while at the same time optimizing the bank's profit margins with improved efficiency, better credit analysis and reduced defects on loans.


  • CBS

    “The Bank is associated with M/S Nelito since 2002. M/S Nelito Systems Ltd has been our CBS vendor since 2009. The Products, quality of service offered by them are excellent. They have a very good support team and are trained enough for handling any type of situation.”

    D K Kandpal | Vice President (IT)

    Nainital Bank

    “Good & Co-operative.”

    Ronniee Gupta | DGM

    UCO Bank
  • CBS

    “We appreciate your local team who continuously supported & assisted our team to meet the goal.”

    Nagendra Nath Sinha | Principal Secretary IT

    Government of Jharkhand, Ranchi
  • CBS

    Knowledge and service provided to the bank is beyond expectation. And we would definitely engage and recommend solution to others .

    Rachelle F. Rivas | IT Project Manager (Senior Manager)

    Bank of the Philippine Islands (BPI)
  • CBS

    • As Vendor strict adherence to process & procedures
    • Risk Mitigants in Place
    • Flexible to customer requirements

    Dinesh Negi | VP (Clg)

    DCB Bank Ltd
  • Custom Application Development testimonial

    Bank has implemented CBS of Nelito Ltd in the year 2008-09 in phase manner. Also integrated RTGS/NEFT, CTS, MMS etc which help us in smooth automation of banking operation.

    K.T. Wadia | CEO

    The Sutex Co-op bank Ltd
  • CBS

    Experience during development of Rating Engine Module has been good in the context of commitment to meet timelines & lot of hard work has been put by Nelito's team.

    Ashuthsoh Satsangi | VP-Operations

  • CBS

    Everything was successfully implemented and tested. The implementation was professionally done in a very efficient and cooperative manner. Migration was very smooth.

    Frithjof Ramb | Vice President

    SBI- Frankfurt, Germany
  • CBS

    Nelito and its team has always been supportive and efficient in achieving the tasks set up by the Dept. Apps developed by the software engineers for the Public Health Dept have proved to be excellent among the top competitors and have been acclaimed for its effective service delivery to the end user at the grass root level which is the foremost object of any Govt organization. Many thanks for the sincere efforts.

    Sanjay Kamlakar | Under Secretary to GoM

    Govt of Maharashtra
  • DGM

    "We appreciate Nelito team who were always on time and responsive to our needs and changing ideas. They worked efficiently from the project inception to its completion in a timely and professional manner. Their understanding of this space has been invaluable to the success and launch of 'PMAY CLSS' app."

    Susanta K. Padhi | DGM

    National Housing Bank