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HCL Lending Business Solutions 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. Lead Generation Loan Set Up Rate Lock Management Pay Off Processing Application Processing Restructuring / Modification Services Ser Compliance Check Loan Lien Release Ordering (Title, Flood Cert. etc.) Sourcing vicing & Def Verification Services Loan Loan Processing Servicing vices Application Review Early Stage Collections Third Party Verification Overview of HCL Late Stage Collections ault Management Credit Analysis Skip Tracing Public Record Search Underwriting Retail Lending Collection Payment Processing Compliance Check Business Services Recoveries Fraud Check Offerings Loan Decision Origination Ser Closing Bankruptcy & Document Management Services Foreclosure Document Preparation Public Record Review Escrow Management Ancillary Liaise with Attorneys & VOE Services Settlement Agencies Settlement Services Title Management Appraisal Management Deed Creation Ordering Flood Certification KYC / Anti-Money Laundering Business Analytics Knowledge Management & Consulting Customer Relationship Management Overview of HCL Commercial Lending Business Services Offerings Default Administration Delinquency Management Collateral Liquidation Servicing Recovery Management Utilization / Drawdown Support Billing / Invoice Payments Management Contract Management Loan Trading Support Collateral Management & Insurance Contract Closure Management Origination Data Gathering & Scrutinization Eligibility Check Process Due Diligence Credit Analysis Offer Term Preparation Documentation Support Operations support Booking / 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 Better quality lending decisions & outcomes Paperless Affordable business solution Solution Reduced cost of operations Reduced time to market for new products Automated & Highly 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 Increase process efficiency by over 100% Double or triple transaction throughput with no headcount increase Integration Workflow Reduce decision times from days to weeks and hours to minutes Achieve return on investment in excess of 100% with payback in less than one year Value Proposition from HCL Services Business Process Outsourcing Domain Consulting Technology Consulting Process Reengineering Support & Maintenance Business Focus Areas Solution Accelerators Retail Lending (Products / Frameworks / Partnerships) Mortgage Lending HCL Capital Stream™ Consumer Lending HCL Loan Syndication Portal Commercial Lending Lending HCL Toscana Specialty / Niche Misys Lending Practice @ HCL People 500+ consultants deployed globally Industry Latest Technologies MBA & MISMO Member Domain Focus Fortune 500 Clients MBA & ABA Certified Global Customers professionals Key Benefits State of the art technology Business Transformation Improved Financial Performance Reduced Lending Operations Enhanced Regulatory Volume 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 Residential Mortgage Underwriting Flood-Zone Mapping Transaction Processing Flood Certificate Issuance Surveying & Property Valuation Database Management Property Finance Conveyancing MBA & ABA certified professionals Use of GIS ( Geographic Information 80% reduction in prices offered to Customized platform for loan Systems) technology lenders originations Database management for maps & 100% reduction in AHT through Three level quality reviews properties automation 70% reduction in cost per determination MIS tool development for better control Deployment 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.
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