Axe Collateral Management

Both during the credit approval process and throughout the life cycle of a loan, ACP supports the creation and administration of collateral files, their initial and subsequent (re)valuation and realization in the event of default.

All aspects of collateral management are addressed, including a number of advanced features which ensure to effectively manage all aspects of collateral, and the associated workflows, right across the bank’s operations and departments including remote locations and international subsidiaries.

• Capture and maintenance of credit risk mitigants :
• Static data about guarantees and collaterals
• Valuations (frequency, internal/external expertise etc)
• Loan To Value (LTV) calculation and alert management
• Adherence calculation (detection of breaches in covenants)
• Ownership details for real estate collaterals
• Security details for financial collaterals (number, quantities, etc.)
• Insurance schedules, renewal alerts etc
• Assigned facilities/loans
• Document storage
• All types of collaterals are supported – securities, bonds, equities, real estate, equipment etc.
• Fully configurable, user-definable collateral management workflows
• Alert management (real-time, and scheduled) via SMS or email for revaluation, insurance policy renewal…)