The Nano platform integrates all aspects of loan origination and uses a modular suite of components to simplify the mortgage process and reduce the operational overhead involved in both the decisioning process as well as maintaining products, pricing and credit policy.
There are seven discrete modules that form the platform
The modular approach allows a rapid and incremental pathway to innovating your customer experience and improving loan origination economics. Modularity allows you to choose the greatest pain point in your process and deploy a solution today that builds towards a long term solution.
Credit Workbench – One System to Rule Them All
The Credit Workbench is the central hub of our platform, providing a single system for all origination flows. Whether you’re applying for a home loan, submitting financial and personal information, or getting pre-approval, the Credit Workbench makes it easy to get the information you need and get your loan approved.
Decision Director – Automated Workflow
The Decision Director is an automated workflow system that intelligently manages the decisioning process. The workflow ensures that applications are handled quickly and efficiently, reducing the time and paperwork required.
Distribution Toolkit – Channel Interfaces
The Distribution Toolkit provides channel interfaces to support direct-to-consumer, first-party, and broking channels. Regardless of channel, our platform provides a consistent and predictable experience, simplifying applications and consequent decisioning regardless of the chosen distribution channel(s).
Third Party Data Integrations
The Third Party Data Integrations module is designed to improve application accuracy, standardise underwriting data and reduce administration for customers and brokers. The platform integrates data flow from financials, credit bureaus, and property valuations, bringing together all the critical decisioning information in one place.
Our financials engine is designed to assess a customers income, expenses, assets, and liabilities to determine their loan serviceability. It provides a comprehensive view of the customers financial situation and integrates multiple data sources from banking, bureau and comprehensive credit reporting.
Product and Pricing Engine
Our pricing and product engine allows for the configuration of a wide range of home loan options, features and pricing structures.
Our powerful decisioning engine that allows for full expression of your credit policy within the platform. The engine allows simple through to complex rules to be configured to intersect all aspects of credit decisioning – asset quality, credit quality and serviceability. The engine caters for complex lending scenarios including multiple applicants, multiple securities, cross collaterisation and much more. All configurable by risk and product staff to reduce IT costs in maintaining and updating policy.
With our suite of modules and tools, you can write loans faster, at a lower cost and with a better customer experience.