HCL Lending Business Solutions Streamlining Lending Operations HCL's extensive experience across Lending Originations and Servicing functions ranges from processing and verification services to complex underwriting work and from collections to bankruptcy and foreclosure management. ŸLead Generation ŸLoan Set Up ŸRate Lock Management ŸPay Off Processing ŸApplication Processing ŸRestructuring / Modification

Services Ser ŸCompliance Check Loan ŸLien Release ŸOrdering (Title, Flood Cert. etc.) Sourcing vicing & Def ŸVerification Services Loan Loan Processing Servicing vices ŸApplication Review ŸEarly Stage Collections ŸThird Party Verification Overview of HCL ŸLate Stage Collections ault Management ŸCredit Analysis ŸSkip Tracing ŸPublic Record Search Underwriting Retail Lending Collection ŸPayment Processing ŸCompliance Check Business Services ŸRecoveries ŸFraud Check Offerings ŸLoan Decision Origination Ser

Closing Bankruptcy & ŸDocument Management Services Foreclosure ŸDocument Preparation ŸPublic Record Review ŸEscrow Management Ancillary ŸLiaise with Attorneys & ŸVOE Services Settlement Agencies ŸSettlement Services ŸTitle Management ŸAppraisal Management ŸDeed Creation ŸOrdering Flood Certification

KYC / Anti-Money Laundering Business Analytics Knowledge Management & Consulting Customer Relationship Management

Overview of HCL Commercial Lending Business Services Offerings

Default Administration ŸDelinquency Management ŸCollateral Liquidation Servicing Ÿ Recovery Management ŸUtilization / Drawdown Support ŸBilling / Invoice ŸPayments Management ŸContract Management ŸLoan Trading Support ŸCollateral Management & Insurance ŸContract Closure Management

Origination ŸData Gathering & Scrutinization ŸEligibility Check Process ŸDue Diligence ŸCredit Analysis ŸOffer Term Preparation ŸDocumentation Support Operations support ŸBooking / Receivable Management Overview of HCL Platform Solution for Lending Business Operations

Full Lending Retail Lending Lifecycle Solution HCL Retail Lending Platform Solution offers core and Integrated vertical specific solutions for leading banks, building Module Flexible & societies, credit unions and finance companies. Based Configurable

HCL Retail Lending Platform Benefits Solution ŸBetter quality lending decisions & outcomes Paperless ŸAffordable business solution Solution ŸReduced cost of operations ŸReduced time to market for new products Automated & ŸHighly Adaptable Workflow Based

Retail Lending

Commercial Lending

Commercial Lending HCL's Commercial Lending Solution Capital Stream™ allows effective collaboration, creates closer relationship with customers, and closes deals quickly while managing Origination risk effectively. It transforms commercial lending operations into streamlined automated enterprises that Credit / Analysis Underwriting respond quickly, efficiently and consistently. HCL Capital Benefits Monitoring Stream™ Documentation ŸIncrease process efficiency by over 100% ŸDouble or triple transaction throughput with no headcount increase Integration Workflow ŸReduce decision times from days to weeks and hours to minutes ŸAchieve return on investment in excess of 100% with payback in less than one year Value Proposition from HCL

Services ŸBusiness Process Outsourcing ŸDomain Consulting ŸTechnology Consulting ŸProcess Reengineering ŸSupport & Maintenance

Business Focus Areas Solution Accelerators ŸRetail Lending (Products / Frameworks / Partnerships) ŸMortgage Lending ŸHCL Capital Stream™ ŸConsumer Lending ŸHCL Loan Syndication Portal ŸCommercial Lending Lending ŸHCL Toscana ŸSpecialty / Niche ŸMisys Lending Practice @ HCL

People Ÿ500+ consultants deployed globally Industry ŸLatest Technologies ŸMBA & MISMO Member ŸDomain Focus ŸFortune 500 Clients ŸMBA & ABA Certified ŸGlobal Customers professionals

Key Benefits ŸState of the art technology ŸBusiness Transformation ŸImproved Financial Performance

ŸReduced Lending Operations ŸEnhanced Regulatory ŸVolume Volatility & Product Costs Oversight & Compliance Flexibility

Success Stories

A prominent mortgage player in US based Leading Flood Subsidiary of UK’s biggest player the US residential market Determination Service Provider in the Residential Property Market

ŸResidential Mortgage Underwriting ŸFlood-Zone Mapping ŸTransaction Processing ŸFlood Certificate Issuance ŸSurveying & Property Valuation ŸDatabase Management ŸProperty Finance ŸConveyancing

ŸMBA & ABA certified professionals ŸUse of GIS ( Geographic Information Ÿ80% reduction in prices offered to ŸCustomized platform for loan Systems) technology lenders originations ŸDatabase management for maps & Ÿ100% reduction in AHT through ŸThree level quality reviews properties automation Ÿ70% reduction in cost per determination ŸMIS tool development for better control ŸDeployment of domain experts

Client Profile Process Solution Highlights

Hello, I’m from HCL! We work behind the scenes, helping our customers to shift paradigms and start revolutions. We use digital engineering to build superhuman capabilities. We make sure that the rate of progress far exceeds the price. And right now, 90,000 of us bright sparks are busy developing solutions for 500 customers in 31 countries across the world. How can I help you?

www.hcltech.com www.hclbpo.com