Retail Lending

Retail Lending Solutions

With over 18 years of experience in delivering research and analytics services, Acuity Knowledge Partners (Acuity) has strong credentials within the consumer and commercial banking space. Our retail lending solutions help banks optimize their retail banking value chain (origination, processing, underwriting, closing and post-closing), by centralizing, standardizing and digitalizing processes.

We partner with our clients to drive revenue, implement global best practices and transform their operating models. Our retail lending solutions can help banks improve speed to market, increase customer-facing time, manage higher volumes and utilize flexible staffing for one-time projects or spikes in work volumes.

Who we serve

Consumer mortgage function
Personal loans business unit
Credit cards business unit
Auto loans business unit

Retail Lending Solutions - Support we Offer

< 1 Origination and processing >
< 2 Underwriting >
< 3 Closing, post-closing and servicing >

Generating and reviewing loan estimates
Loan set-up
Contract review (transfer tax, address, purchase price)
Updating broker, title, third-party and lender fees according to guidelines
Validating bank statements
Validating credit reports

Verifying borrower information
Reviewing payslips, financial statements and tax returns
Credit report analysis
Income/cash flow analysis
Credit approval routing
Collateral assessment
Calculating DTI and LTV

Disbursement analysis
Escrow checks
Title recording and closure
Regulatory compliance
Loan servicing
Settlement analysis
Closure and lien release

Retail Lending Solutions - Support we Offer

< 1 Origination and processing >
< 2 Underwriting >
< 3 Closing, post-closing and servicing >

Generating and reviewing loan estimates
Loan set-up
Contract review (transfer tax, address, purchase price)
Updating broker, title, third-party and lender fees according to guidelines
Validating bank statements
Validating credit reports

Verifying borrower information
Reviewing payslips, financial statements and tax returns
Credit report analysis
Income/cash flow analysis
Credit approval routing
Collateral assessment
Calculating DTI and LTV

Disbursement analysis
Escrow checks
Title recording and closure
Regulatory compliance
Loan servicing
Settlement analysis
Closure and lien release

What we have delivered annually

50,000+

loan applications processed

300,000+

documents managed

125,000+

loan conditions validated

30,000+

loans fulfilled and onboarded

Automation and workflow management platforms

AI-based credit report writing tool

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

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How we are different

ONE-STOP SHOP FOR Retail Lending Outsourcing

Comprehensive support across the retail lending value chain across origination, processing, underwriting, closing and post-closing

Financial services domain experience

18 years of research and analysis experience from working with 350+ financial clients globally as a best-in-class KPO firm

Credit pedigree

Market leader in credit analysis support, with best practices developed through 80+ client engagements. Experience across loan books and complex lending products

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

Tech-driven innovative solutions

Our domain-driven suite of Business Excellence and Automation Tools (BEAT) ensures efficiency across the credit analysis 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.

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