Loan administration and servicing
Book an LMS Demonstration
Control every stage of loan administration
Creditec’s Loan Management System provides a configurable environment for creating, servicing, monitoring and closing loan accounts. It helps lenders manage financial transactions accurately while maintaining operational controls, account history and portfolio visibility.
Book an LMS Demonstration
LMS key capabilities
Creditec LMS key features
A visual summary of platform, process, channel, reporting and AI-enabled capabilities.
Capability map
One platform across product, process and reporting needs
The LMS brings together product administration, account servicing, controls, workflow, customer-facing channels, portfolio reporting and AI-enabled services in a connected operational environment.
Modern scalable architecture with centralised deployment options
KYC, verification and configurable product capability
Automated processes, document management and integrated workflow
Omni-channel CRM across email, SMS, USSD, WhatsApp, customer and agent portals
User management, reporting, segregation of duties and AD-linked profiles
AI-enabled processes including document authentication and self-help assistance
Lending lifecycle
Core capabilities across the lending lifecycle
Creditec supports lenders from customer acquisition and screening through servicing, collections and portfolio reporting, with decisioning and external data integrations embedded where they add value.
1
Client acquisition & CRM
Capture opportunities and applications across branch, agent, portal and assisted digital channels.
2
Client screening
Validate application information, apply policy checks and route exceptions for controlled review.
3
Decision engine & scoring
Incorporate policy rules, scorecards and bureau or external-data inputs into the approval process.
4
Loan servicing
Create and maintain accounts, disburse facilities, manage schedules and process ongoing transactions.
5
Collections
Manage arrears, promises to pay, recovery actions and follow-up activities within controlled workflows.
6
Portfolio reporting
Monitor balances, arrears, performance and operational activity through management dashboards and MI.
Integrated enablersExternal data sources, workflow, document management, communications and finance interfaces support the lifecycle end to end.
Deployment & operating context
Connect the LMS to the wider lending environment
Creditec can be deployed within a connected lending architecture that brings together hosting, head-office users, customer and agent channels, branches and external services.
Hosting-provider, cloud or on-premise deployment models
Head-office, branch, field-agent and self-service access
Interfaces to credit bureaus, data resources, payment services and third-party portals
Online and offline-capable field operating models where required
Product configuration
Configure products around your lending model
Define the financial and operational behaviour of lending products within a common administration environment.
Rates, terms, repayment frequencies and schedules
Fees, charges and product-specific conditions
Repayment holidays, grace periods, balloon payments and tiered structures
Disbursement conditions and account lifecycle events
Arrears, penalty and collection treatment
Product-specific workflow, document and accounting settings
Account servicing
Manage the financial life of the account
Create accounts from approved applications or authorised internal processes, generate schedules, process account activity and connect servicing transactions to finance operations while maintaining a complete transaction and reconciliation history.
Loan creation and schedule generation
Single or multiple disbursements
Repayments, allocations and settlement quotations
Interest, fee and charge processing
Rate changes and schedule recalculation
Rescheduling, restructuring, waivers, reversals and write-offs
Settlement, closure and final recovery
Payment import and allocation
Unmatched and exception-item handling
Batch processing and balancing
General-ledger transaction reporting
Transaction and reconciliation history
Interfaces with banking and accounting platforms
Portfolio management
Monitor individual accounts and the wider portfolio
Give operational and management teams timely visibility into balances, arrears, collections, exposure, product behaviour and exceptions.
Portfolio summaries and account drill-down
Ageing and arrears analysis
Disbursement and repayment reporting
Product, branch, region and channel views
Exception and operational-control reporting
Role-based access, approval controls and transaction history
Start a conversation
See how Creditec can support your lending products and servicing model
A demonstration can be tailored to your loan types, transaction flows, accounting requirements and operational controls.