Method to review and approve Credit Applications online and passive, the sequence of computer and device to carry out Said method

摘要

A computerized method is easy to use and works in real time, which improves the processing of requests for products and services offered by a financial institution.The Method automates several steps in the review process yapr obacion Credit and liabilities, evaluates the borrowing Ability based on the value of the claim of the applicant,Financial Information and new and existing relationships with the Financial Institution,Recommends that consideration be elofrecimient or certain preestablished Credit offers in relation to certain Products aquellossolicitantes Credits that exceed the initial criteriaAnd ensures that correctly observe certain Operational Policies (credit / Passive).The mu00e9todoanaliza immediately the applicant's background provided by the companies, Commercial Reports, yproporciona automatically qualifies the application results to the LBR.The Method also considers the Order of Decision on the Credit Information, The New relationship, orexisting, between the client and the Financial Institution, if any.In this way, we can anticipate the applicant a Conditional Approval (based on laevaluacio N by the system in the background of financial reports provided by Enterprises,In the qualification of the request, the debt burden, and deposits of the applicant) New or existing mandatory estaru00e1sujeta Variations.Reduces the time that the institution must devote to identify applicants who can offer an extension of credit or services or productosadicionales.The possibility of identificarsolicitantes with borrowing Capacity for other products or services other than requested.