Commercial Banking Solution

Commercial banking is a significant revenue-generating segment for banks. Your commercial clients are looking for tailored financial products, prompt services, the right balance of automation and human touch, and transparency in the relationship. Newgen offers a wide range of commercial banking solutions that are tailored to the needs of your commercial clients—big, medium, or small. Built on a low code digital transformation platform, our commercial banking offerings are designed to help you cater to all business banking needs of your commercial customers. Deliver intuitive digital/online services, make quicker lending decisions with AI-driven insights, manage risks efficiently, quickly adapt to changing regulations, identify new lending opportunities, and build long-term profitable business banking relationships.

Features of Commercial Banking Solution

Commercial Loan Origination

Accommodate all loan types with provisions for seamless loan origination, renewal, and integrated loan closing. Ensure sound lending decisions via intelligent underwriting and risk rating. Facilitate portfolio monitoring and analysis through effective management of leads and customer relationships, providing 360-degree visibility into the lending landscape.

SBA Lending

Simplify SBA Loan Application Management with a digitized work environment, reducing manual effort. Ensure all necessary documentation is in place with a loan document checklist and alerts feature. Get convenient access to the Online Customers Loan Portal. Enhance operational efficiency and compliance with configurable rules-based processing and unified loan processes.

SME Lending

Allow data-driven, informed lending decisions with Intelligent Credit Decisioning. Customize and apply lending criteria to suit specific needs with Small and Medium Enterprise (SME) Lending Rules and Templates. Users gain a holistic view of SME loan accounts. Prioritize a seamless Customer Experience for user-friendly interactions. Streamline, automate and optimize lending process with Intelligent Loan Underwriting. Adhere to regulatory requirements and manage risk effectively with SME Lending Compliance and Risk Management.

CRE Lending

Get a comprehensive approach to Lead, Contact, and Deal Management, streamlining the entire customer journey. Enhance the accuracy and efficiency of lending processes with Intelligent Spreading and Underwriting. Simplify loan management through auto-definitions feature. Ensure precision in decision-making with Intelligent Credit Adjudication and Charges Calculation, supported by robust document handling.

C&I Lending

Ensure a seamless start with an Omnichannel Onboarding experience for all customers. Accurate Information Capture guarantees the precision of data, benefiting various Commercial and Industrial (C&I) loan types. With Intelligent Underwriting and Forecasting, risk management and compliance become proactive and effective. Simplify the handling of crucial paperwork via extensive Document Management. Ensure loan management with Disbursement/Funding and Loan Portfolio Monitoring

Government-sponsored loans/MSME Lending

Allow a flexible approach to various loan types in both schematic and non-schematic loans processing. With Priority/Non-priority Classification, lenders prioritize critical loans. Ensure all the necessary elements are considered in loan proposals through Detailed Scheme Inclusion. Enhance the reliability of decision-making with accurate checks and verifications. Streamline processes via automated Underwriting and Risk Assessment. Funding and disbursement mechanisms complement a comprehensive loan management system.

Agri Lending

Ensure smooth customer onboarding with streamlined workflows for efficient loan processing. Handle communications effectively, fostering transparency and trust with customers. Enable integration with other systems for a comprehensive approach. Optimize lending decisions with automated credit assessment. Keep all processes in check through robust activity monitoring. Ensure quick access to funds with instant disbursement, enhancing the overall lending experience.