Lending Operations

Overview

The lending landscape is fast evolving. Demand for quicker decisions in lending, increasing competition and pressure to reduce the cost-to-serve ratio have led global financial institutions not only to transform their business, but also to run lean and highly efficient operations through a scalable and centralised delivery model.

At Acuity, we offer bespoke, best-in-class solutions by fully understanding business needs. We help financial institutions centralise, standardise and optimise loan and treasury operations so they can formulate high-quality business operations frameworks and increase overall speed to market

Who we serve

Commercial and Regional Banks
Corporate and Investment Banks
Retail Banks
Credit Insurance functions

Support We Offer in Lending Operations

< 1 KYC Support >
< 2 Pre & Post Closing (Onboarding and Booking) >
< 3 Collateral Operations >
< 4 Loan Servicing >
< 5 Escrow Management >
< 6 Insurance >
< 7 Deal Trading >
< 8 Loan Closing >
< 9 Reporting /MI >
< 10 Consulting Projects >

KYC initiation, updation, periodic reviews
Documents validation/amendments
Guarantor validation/amendments

Conduct post booking review
Document assembly
Document preparation
Loan onboarding
New deals booking & renewals
Deal & facility review
Escrow a/c opening & disbursements
Non funded based facility – LC and BG
Limit, fees & charges settlement
Quality audit – CCAR, other regulatory requirements

Valuation
Perfect security & UCC maintenance
Collateral exposures monitoring
Issue margin calls
Prepare collateral release document
Lien termination

Deal modification & reconstruction
Rollovers – notices, payment, advances, rate changes
Manage queries raised by clients – transaction history, invoices etc
Research and inquiry
Setup auto debit on loan
Perform reversals and reconstruction of loan
Limit management
General ledger reconciliation
Month end reports reconciliation

Escrow a/c opening & disbursements
Tax & insurance payment
Prepare escrow instructions and amendments
Manage property deeds, and personal finance documents
Calculate fees

Flood due diligence
Flood and other insurance premium calculation
Insurance set up in system
Coordination with vendor for insurance issuance
Premium due date tracking
Claim processing

Trade booking
Ticketing and trade settlement in ClearPar
Block allocation in Loan IQ
Fees processing – COC, DOC, etc
Trade bloaters reconciliation

Payoff and settlements
Perform due diligence and loan termination
Prepare collateral release document
Lien termination and closing

Regulatory reporting (CCAR and BASEL)
Statutory reporting
Operations reporting
Management reporting

Platform migration – nCino, Loan IQ
CECL implementation support
IBOR transitioning
Document indexing and management
Paycheck Protection Program
CBIL loan processing

Support We Offer in Lending Operations

< 1 KYC Support >
< 2 Pre & Post Closing (Onboarding and Booking) >
< 3 Collateral Operations >
< 4 Loan Servicing >
< 5 Escrow Management >
< 6 Insurance >
< 7 Deal Trading >
< 8 Loan Closing >
< 9 Reporting /MI >
< 10 Consulting Projects >

KYC initiation, updation, periodic reviews
Documents validation/amendments
Guarantor validation/amendments

Conduct post booking review
Document assembly
Document preparation
Loan onboarding
New deals booking & renewals
Deal & facility review
Escrow a/c opening & disbursements
Non funded based facility – LC and BG
Limit, fees & charges settlement
Quality audit – CCAR, other regulatory requirements

Valuation
Perfect security & UCC maintenance
Collateral exposures monitoring
Issue margin calls
Prepare collateral release document
Lien termination

Deal modification & reconstruction
Rollovers – notices, payment, advances, rate changes
Manage queries raised by clients – transaction history, invoices etc
Research and inquiry
Setup auto debit on loan
Perform reversals and reconstruction of loan
Limit management
General ledger reconciliation
Month end reports reconciliation

Escrow a/c opening & disbursements
Tax & insurance payment
Prepare escrow instructions and amendments
Manage property deeds, and personal finance documents
Calculate fees

Flood due diligence
Flood and other insurance premium calculation
Insurance set up in system
Coordination with vendor for insurance issuance
Premium due date tracking
Claim processing

Trade booking
Ticketing and trade settlement in ClearPar
Block allocation in Loan IQ
Fees processing – COC, DOC, etc
Trade bloaters reconciliation

Payoff and settlements
Perform due diligence and loan termination
Prepare collateral release document
Lien termination and closing

Regulatory reporting (CCAR and BASEL)
Statutory reporting
Operations reporting
Management reporting

Platform migration – nCino, Loan IQ
CECL implementation support
IBOR transitioning
Document indexing and management
Paycheck Protection Program
CBIL loan processing

What we have delivered annually

100,000+

loan servicing widgets

50,000+

collaterals booked and terminated

25,000+

past due and recon managed

200,000+

call back

Customer Testimonials

“

Thank you so much for your help over the past week with the SBA PPP deals. We could not have made this much progress without your help. At this time, the team can shift its full attention back to the core portfolio activities. Please share this with all who are assisting.

Head of SBA, BB, and MM Portfolio Monitoring

Leading US Regional Bank

“

Nice chatting with you again this morning. I genuinely appreciate and value the great work that our Acuity team in India performs for the bank. I continue to ask them to do more challenging type of work and they continue to rise to the occasion. My division would genuinely be struggling without the high quality of work that they perform for us. Really nice to have them on my team.

Executive Vice President, Credit Services Divisional Director

West Coast Bank

“

I am impressed by how nicely the reporting is designed and organized. I have reviewed the cases completed so far and think they have been completed very well. I could clearly see that each document had been reviewed and notes with result. Great job so far on the PPP project, well done!

Centralized Portfolio Monitoring Manager, Centralized Portfolio Services

Top West Coast Bank

Automation and workflow management platforms

https://www.acuitykp.com/wp-content/uploads/2024/10/Credit-Pulse-200.jpg

Advanced AI-based tool designed to revolutionise the credit report writing process

Explore More

BEATFlow is an easy-to-onboard and adaptable workflow management system. It provides a quick and clear view of the ongoing activities

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How we are different

ONE-STOP SHOP FOR LENDING OPERATIONS

Comprehensive support across the value chain (client onboarding and fulfilment, document preparation, loan servicing, collateral management and closing segments) enabling 40-50% cost savings and 30-40% increase in efficiency

FINANCIAL SERVICES DOMAIN EXPERIENCE

20 years of extensive experience gained from working with 550+ financial clients globally as a best-in-class KPO firm

SCALABLE PARTNER

Strong track record in scaling client engagements for different tasks across the lending value chain. Ability to utilise strategic delivery locations and strong recruitment functions for flexible and niche resourcing

FLEXIBLE ENGAGEMENT MODEL

Flexible staffing model to support project requirements and to scale up and down based on demand dynamics and seasonal factor

TECH-DRIVEN INNOVATIVE SOLUTIONS

Our domain-driven suite of Business Excellence and Automation Tools (BEAT) ensures efficiency across the lending value chain

Tailored data and technology solutions for Banks

Explore the art of possible across processes and functions in the lending value chain. We help you integrate legacy systems and new-age platforms to build a single source of truth.

Learn More