UNCIA LOAN
ORIGINATION SYSTEM

Uncia Loan Origination System (LOS) is a breakthrough tech framework of three components, designed to complement deep industry knowledge with agile solution building,
without the need to write a code.

Universal Data Set (UDS)

A comprehensive universal data set of unique data elements covering the whole gamut of most verticals, complete with all validations.

Agile App Builder

A disruptive Low code/No code lab environment that quickly helps you build needful work scenarios through a drag and drop of key elements from the UDS, coupled with configurable workflows.

Credit Configurator

A power-packed tool to revolutionize credit assessment across the whole range of formulaic analysis. Our progressive filtering mechanism helps you quickly arrive at Go/No-Go decisions, quickly enabling escalation or human intervention, as and when needed.

UNCIA LENDING ORIGINATION SYSTSEMA closer look

Start with a vertical-specific App and rapidly achieve your required configuration and workflow with our Agile App Builder. Move on to incorporate your own Credit assessment criteria and interactively embed them in our Credit Configurator.
An intuitive user interface with configurable dashboards that enables users to review loan application status at the click of a button.
Most frequently used views can be easily configured on a dashboard enabling quick and easy access.
Processing activities can be promptly assigned to specific individuals in line with configurable business rules.
UNCIA Lending Origination System (LOS) also alerts concerned people to complete an activity in an assigned time failing which automatically escalation is made to higher levels.
UNCIA’s Lending Origination System (LOS) loan sanction workflow covers the entire range of operations from Lead and Prospect initiation to Loan sanction.

UNCIA CREDIT ORIGNATION SYSTEMfeatures at a glance

File Login feature ensures a smooth capturing of application information, including KYC details and loan purposes. It also integrates with the marketplace system to uphold KYC compliance and generate digital application forms seamlessly.

Underwriting covers all critical checks including verification by internal and external teams including valuation, legal report, property visit report, RCU, FI, and CIBIL report.

Eligibility covers current status of loan and outstanding amount, bank details, financial ratios, viability, sales, and CAM. Assessment methods are enabled in line with the loan product.

A powerful Scorecard takes into account every risk including promoter and business risk, financial risk, transactional risk and security risk.

Approvals cover empowerments and all policy deviations can be highlighted through system empowerment and updated through manual empowerment. Approvals also cover personal discussion with borrower, business details of borrower, approval, and recommendation reports.

Post sanction tabs include cross sell, applicable charges, waivers, document checklist including business loan checklist, LAP and working capital facilities checklist, LAM checklist, and alliance checklist.

Disbursement enables operations checklist, OPS acknowledgment, OTC classification, PDD classification, disbursement memo (disbursement request date, repayment schedule, and disbursement favoring tranche-wise.

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UNCIA LOANORIGINATION SYSTEM