Offer your customers to apply for a financing certificate or mortgage in a digital, automated, efficient, and user-friendly way, preferably on the sofa after house viewings. Provide them with an answer in a few minutes while dinner is in the oven.
Nevertheless, internal requirements for growth, scalable solutions, cost cutting and demanding requirements regarding the never-ending story of compliance must be combined with the customers’ need for digital and user-friendly solutions that involve as little work as possible and swift responses.
Process automation platform
Handling the complete origination process.
Lifecycle management of loans and credits.
Offer digital user journeys to the dream home
Stacc Mortgage offers pre-developed user journeys in responsive design, which will be adapted to your preferred look & feel. The user journeys are developed as multi-brand services, easy to adapt to different market segments.
We have automated the mortgage journeys from application to payout. The bank’s credit policy and scoring rules are modeled into the solution.
The solution includes integrations with industry-leading 3rd parties for scoring, credit check, consent-based loan application, debt register, property value, digital documents, eSigning, electronic registration of collaterals and digital brokerage settlement.
Based on the “traffic-light principle”, each application will be scored green – automatic approval, yellow – sent to manual case handling or red – automatic rejection.
Only deal with the applications you have to
The solution comes with a case management solution that automatically assigns “yellow applications” to the right case handlers based on roles and power of attorney.
The case handler will only be presented with relevant data relating to the task in question including to the reason why the application was scored as yellow.
Integrated services for financial analysis, calculation of loan serviceability and decision support will be available as well as support for credit memo and 4-eye control.
Offer financial analysis and advisory if you wish
Stacc Mortgage includes integrated services for financial analysis and advisory if you want to offer mortgage loans for all variants of housing types and “borderline” cases or want to provide financial analysis and advisory “in the chair” for first-time home buyers.
The solution is compliant with:
The Lending Regulation
The Financial Agreements Act
The solution comes with a MyPage web that provides the status of loan applications, information on existing loans, applications for changes in due date, payment-free period, handling of additional payments, messaging from and to loan provider as well as access to history and documentation.
Here's what makes our solution stand out
Process automation platform that orchestrates the complete application, onboarding, and credit process.
Tailored case handler
Automatically generated case handler solution based on the configured process that suits your business.
Visual display of process flow
Visual display of the process flow that is in production, including version management in case of changes in the flow.
Both automated and manual restart of 3rd party lookups that have failed.
Business and scoring rules
Online changes of business and scoring rules.
Add whatever integrations that suit your needs
Flexible possibilities to change the order of steps in the process flow or exchange a 3rd party integration with another.
Self-service of product setup, credit policy and scoring rules, change of interests and fees and texts used in customer notifications.
Documentation and full traceability of the complete credit process including responses from 3rd parties, manual case handling, any changes made by a case handler and credit memos
Configurable KPI’s, dashboards and statistics for reporting and to discover possible bottlenecks that can provide a basis for further tuning of the process flow.
Stacc offers a complete mortgage solution, that can be configured to fit your requirements.
The solution supports a digital and automated application web, onboarding and credit process including scoring of each application, case handling of “yellow” applications with integrated financial analysis services, MyPages and a core solution handling automated lifecycle management of mortgage loans.
The solution supports a full-scale of mortgage products and registration of more than 30 types of pledges, including all types of movables, real estate, and cooperative housing.