Banks operating in the commercial lending market are being impacted significantly by recent events as well as key trends: the need to serve an increasingly global business; stricter regulatory requirements; fierce competition; and a more volatile, risky business environment.

In this business environment, banks are focused on finding ways to improve operational controls and decision-making, improve transparency and spread risk. Misys offers a range of technology solutions to help banks address these needs in a cost effective way.

Our solutions

For retail banks, the lending module of Misys Equation provides support for the whole lending process, from loan application through opening and monitoring, to delinquency management and reporting. Equation’s lending functionality is flexible enough to accommodate local lending practices and regulatory requirements and offers a range of advanced features including grace periods, irregular repayments, user-definable delinquency periods, the automatic production of customer correspondence.

For international banks, Misys Loan IQ is used by leading financial institutions worldwide to optimise, automate and develop their commercial lending business. Backed by more than 15 years of industry-leading experience, the solution today processes more than 1/3 of the world’s syndicated loans and more than 50% of the world’s loan trades.

Midas Plus delivers comprehensive commercial lending functionality as part of a single, core banking platform. The system offers seamless integration with other Midas Plus components and a high level of loan processing automation.

A single customer view and flexible credit lines can be applied across all products and business areas, providing faster decision-making and improved risk management. In addition, the solution offers extensive coverage of commercial lending products, including collateral management and syndicated loans.