Software (NPL, UTP) - Solution for NPL management

 

intermediari finanziari

Solution for NPL management

BCM allows a detailed analysis of portfolios thanks to the management of debt positions, of underlying lines of credit and of guarantees.

Also proposes a summary vision for individual debtors, thanks to reporting function in Excel that generates a report on the entire economic value of the credit.
Thanks to the initial diagnostics function, the software allows the correct recovery of anagrafic information about the assets sold.
The system reports formal errors via alerts and in every single file the error caused by incoherent data such as incorrect VAT numbers, invalid Ateco codes etc.
Bad Credit Management loads the nominal and purchase value at the initial point and in real time recalculates the value on the basis of the accounting movement received or pertinence to the dossier.
The ststem will automatically calculate the possible gain/ loss against any accounting registration (collection, expenses, interest, capital revaluation ecc.).

contabilit generale

Integration with exisiting administrative and accounting systems in the company.
 

segnalazioni banca di italia

Production of Supervisory Reports, Risks management, Anti-Money Laundering
 

segnalazioni agenzia entrate

Report Production for the Revenue Agency
 

workflowNPL

Customizing workflows

 

  

recupero crediti

 Bad Credit Management through workflows manages debt recovery of distressed loans integrating the personal, accounting and management components into a single platform.

The system manages the progress of the individual credit recovery activities and the recovery assignee.
Each area of the software allows the operator to supervise and manage all aspects of a dossier in terms of workflow, including the legal information of the assigned debtor such as legal and extrajudicial events.

 

 

 

FUNCTIONALITY

Bad Credit Management is a part of Suite NPL that satisfy the needs of Special and Master Servicer involved in operations of securitization of credits.
BCM can be adapted faster to the emerging needs whether they are regulatory, process changes or any specific business needs.

  • Massive Loading of acquired Portfolios
    Diagnostics of input data
    Centralized personal data management
    NPL operations
    Originator management (assignor)
    Management of assigned debtors
    Integration with General Accounting
  • State changes (purchased, in recovery,
    closed, passage to loss etc ..)
    Management of repayment plans
    Guarantees management
    E/C collections
    State changes (purchased, in recovery,
    closed, passage to loss etc ..)
    Monthly closures
  • Assignment of recovery activities
    Management of the dossier documentation
    Deadlines
    Supervisory Reports,
    Risks Management,
    Anti-Money Laundering, 
    Revenue Agency

From BCM 2.0. to BCM 3.0.

BCM is a platform in continuous development for answer the market needs in the best way. Here below are some of new functions introduced to the system:

  • New dashboard for the analysis of debt positions. In order to speed up the management and analysis of debt positions, we have created a summary dashboard that shows at a glance the unitary vision of the dossier.
  • New role search functionality. We have added a new search feature: ROLES
    This new search feature, against an NDG / Nominative (by exact or partial string) returns all the roles it covers in the system. All roles are linked by simple mouse click directly to the cards (Personal data, Practice, Credit Line, Guarantee).
  • Mortgage guarantees and third Mortgage employer. OIn addition to the types of guarantees according to the Bank of Italy's own classification, we have introduced the Mortgage Guarantee and the Third Mortgage Dictator (Person Identification + mortgage guarantee amount) In addition, the " MORTGAGE " type has been divided into 2 distinct types: Voluntary mortgage linked to the credit line, derived from Mortgage or Mortgage Loan,Judicial Mortgage linked to a Third Mortgage / Third-Party employer (Resale Right)
  • Profiling and Assigning Collector. Profiling by type of user from 3 to 5 levels with different operating privileges: Administrator, General, Collector Manager, Collector, Back Office.
  • Management of resolutions. Census review by Collectors on individual cases related to: Disbursements, Return Plan, Transactions, Guarantor Release, Property Release.

INTEGRATION WITH SOFTWARE FOR MANAGEMENT OF STANDARDIZED ARCHIVES

(ARCWEB anti-money laundering software by SEFIN allows an easy and complete management of Standardized Archives (Single Computer Archive) in observance of archiving obligations foreseen by the new Legislative Decree 231/2007)

 

Moses Module

Non-performing exposures estimate Model

Moses Module joins BCM in Non-performing loans packages.
Moses analyses all the elements involved in the reporting flow on non-performing exposures. Especially, the reporting subject are Gross non-performing loans (gross of partial excerpts too) that are related to Italian resident Counterparty and have an amount of at least €100.000, considering the reporting Date. This amount’s limit has to be considered at a consolidated level.

The reporting refers only to Cash exposures.

Moses analyses the more relevant information at the individual credit facility level, such as:

  • Relationship’s Seniority
  • Duration
  • Number and type of guarantees assisting the credit facility


It also analyses the more relevant information in every individual collateral securing each credit facility, such as:

  • Classification
  • Geographical location
  • Last valuation
  • Methodology (i.e. reference to comparable market transactions or appraisal models)
  • Date of last appraisal
  • Grade of privilege (i.e. first lien or higher)
  • Status of credit recovery procedures

Also not-real personal garantees are analysed:

  • Guarantors’ type (i.e. Bank, Credit consortia, natural person)
  • Its rating classification (performing or not-performing subject)
  • The guaranteed amount

Moses Module contains also management information:

  • NDG (SUBJECT CODE)
  • COMPANY NAME
  • AREA OF ECONOMIC ACTIVITY
  • BRANCH OF ECONOMIC ACTIVITY
  • BANK DESK
  • FINANCIALS SECTOR SPECIALIST
  • ECONOMIC GROUP
  • CUSTOMER SEGMENT
  • TURNOVER CLASSIFICATION
  • RATING

ASK FOR THE DATA SHEET

Sefin can also provide regulatory and organizational consultancy and a constant support service.

Contact us for more information.

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