Altkom
Loan Origination

Manage the process and implement changes — from application through agreement and funding — without fragmentation across systems. Accelerate financing origination across channels and systems through one workflow with clear governance.

Consistent orchestration
of all process stages
Built-in control
of decisions and exceptions
Integration with
the bank’s existing architecture

Book an ALO demo

ALTKOM LOAN ORIGINATION

When the credit process becomes a bottleneck

When the credit process runs across multiple systems, every change, new product, policy update, or regulatory requirement starts to resemble a small IT project.

Altkom Loan Origination (ALO) introduces a consistent process management layer for the entire credit lifecycle. You manage changes and decisions within a single operating model, without replacing existing systems and with measurable control over performance.

CAPABILITIES

Key capabilities of Altkom Loan Origination

Comprehensive support for the end-to-end credit process, including alignment with local regulations and integration with national registries through APIs.

Application intake and processing
Centralized management of credit applications across multiple channels, with data validation and document completeness control.
Underwriting and credit decisions
Creditworthiness assessment based on the bank’s credit policy, decision rules, scoring models, and exception management.
Approval and contract execution
Management of approval workflows, document generation, electronic signature, and registration of executed agreements.

Document management
Central document repository with completeness control and linkage to the credit decision.
Reporting and regulatory compliance
Monitoring of SLAs, volumes, automation levels, and a complete audit trail.
Data integration and modular architecture 
Integration with core systems, CRM, KYC and KYB, scoring engines, and external registries via APIs. Process orchestration without replacing existing systems.

INTEGRATION

Growth without destabilization

Integration with core banking, CRM, KYC and AML, scoring engines, DMS, and electronic signature solutions
Reduced direct dependencies between systems
Implementation of regulatory changes without impacting stable areas of the architecture

Integration through standard APIs
ALO orchestrates the process, while specialized components can remain within the bank’s environment
Changes to processes and products without large integration projects
Evolution of the credit process while leveraging existing technology investments

CASE STUDIES

See how ALO turns challenges into measurable results

See all case studies

We replaced slow, manual leasing process with a faster, more scalable model. ALO automated the…
The leasing company needed efficient financing process, better suited to digital and partner-led sales. Implementing…

See all case studies

PROCESS

How does ALO change the way lending is managed?

From the moment an application is submitted, the case is managed within a single workflow, regardless of the sales channel. Eliminating handoffs between systems accelerates the transition from intake to analysis.

SEGMENTATION

One solution, different decision paths

Altkom Loan Origination supports multiple credit decision and approval paths without the need to build separate solutions. With built-in orchestration, the bank maintains consistent rules and centralized exception control, regardless of the segment.

Automatic data validation, scoring, and credit decisions with integration of digital channels. Clearly defined approval thresholds and controlled exception handling.
Impact:
- Fast decisions at high volumes
- Stable SLA performance
- Controlled unit costs
- High share of automated decisions
An initial decision is generated automatically, with the option for expert review in non-standard cases. Decision rules and approval paths are consistent across the organization.
Impact:
- Shorter decision times
- Maintained risk control
- Reduced unjustified exceptions
Multi-level approval workflows, support for credit committees, management of conditions precedent, and a complete decision trail within a single process.
Impact:
- Clear decision accountability
- Alignment with credit policy
- Readiness for audit and regulatory review
Exceptions to standard rules are managed centrally, with an escalation mechanism and reporting at the enterprise level.
Impact:
- Stronger risk control
- Greater predictability of portfolio quality
- Fewer unjustified non-standard decisions

STAKEHOLDERS

Who benefits?

Business

You shorten the time from application to decision, increase the share of automated decisions, and improve conversion rates without launching large IT projects.
Operations
You manage the process in a structured way, with clearly assigned accountability and fewer reworks, case returns, and manual reconciliations.
Risk and compliance
You maintain control over alignment with credit policy, and every exception is visible, measurable, and analyzable across the entire portfolio.
IT
You limit changes to core systems and separate process management from the technical layer, reducing risk and architectural complexity.