Manage the process and implement changes — from application through agreement and funding — without fragmentation across systems. Accelerate financing origination across channels and systems through one workflow with clear governance.
Consistent orchestration
of all process stages
Built-in control
of decisions and exceptions
Integration with
the bank’s existing architecture
When the credit process runs across multiple systems, every change, new product, policy update, or regulatory requirement starts to resemble a small IT project.
Altkom Loan Origination (ALO) introduces a consistent process management layer for the entire credit lifecycle. You manage changes and decisions within a single operating model, without replacing existing systems and with measurable control over performance.
CAPABILITIES
Comprehensive support for the end-to-end credit process, including alignment with local regulations and integration with national registries through APIs.
Centralized management of credit applications across multiple channels, with data validation and document completeness control.
Creditworthiness assessment based on the bank’s credit policy, decision rules, scoring models, and exception management.
Management of approval workflows, document generation, electronic signature, and registration of executed agreements.
Central document repository with completeness control and linkage to the credit decision.
Monitoring of SLAs, volumes, automation levels, and a complete audit trail.
Integration with core systems, CRM, KYC and KYB, scoring engines, and external registries via APIs. Process orchestration without replacing existing systems.
INTEGRATION
Integration with core banking, CRM, KYC and AML, scoring engines, DMS, and electronic signature solutions
Reduced direct dependencies between systems
Implementation of regulatory changes without impacting stable areas of the architecture
Integration through standard APIs
ALO orchestrates the process, while specialized components can remain within the bank’s environment
Changes to processes and products without large integration projects
Evolution of the credit process while leveraging existing technology investments
PROCESS
How does ALO change the way lending is managed?
From the moment an application is submitted, the case is managed within a single workflow, regardless of the sales channel. Eliminating handoffs between systems accelerates the transition from intake to analysis.
SEGMENTATION
Altkom Loan Origination supports multiple credit decision and approval paths without the need to build separate solutions. With built-in orchestration, the bank maintains consistent rules and centralized exception control, regardless of the segment.
Automatic data validation, scoring, and credit decisions with integration of digital channels. Clearly defined approval thresholds and controlled exception handling.
Impact:
An initial decision is generated automatically, with the option for expert review in non-standard cases. Decision rules and approval paths are consistent across the organization.
Impact:
Multi-level approval workflows, support for credit committees, management of conditions precedent, and a complete decision trail within a single process.
Impact:
Exceptions to standard rules are managed centrally, with an escalation mechanism and reporting at the enterprise level.
Impact:
PARTNERSHIP
Target process
Design a consistent credit journey with clearly defined stages, roles, decision rules, and control points across the organization.
Bottlenecks
Identify process bottlenecks and manual workarounds, and assess their impact on SLA performance and cost to serve.
Prototype and plan
Launch a simplified version of the process on the platform and define an implementation plan covering scope, priorities, and integration architecture.
Filip Wachowiak
Business Development Manager
