Digital Collateral Management (DigiCM)

Evolution of Collateral Related Risk Management

DigiCM is a fully configurable and feature-packed collateral solution designed to capture and maintain data for all collateral throughout its entire lifecycle. It ensures comprehensive coverage by adhering to business logic, regulatory requirements, and legal frameworks, guaranteeing complete collateral risk management while minimizing operational challenges. The system supports a Request for Analysis of Proposed Collateral (RAPC), providing detailed insights into proposed collateral, including basic information, created documents, and executed tasks.

Modules

Approval Module

Conducts a thorough analysis (both legal and value) of collateral proposed to cover requested loans, enabling projections of future collateral structures at both client and GCC levels.

Collateral Registration and Maintenance Module

A comprehensive model for collateral assets, including corresponding security agreements and their complex interconnections, along with separate entities for appraisals, insurances, and encumbrances.

Collateral Allocation Module

Supports simultaneous eligibility calculations and collateral value allocations for various reporting standards through highly parameterizable algorithms, ensuring accurate and efficient management.

Features That Bring Results:

Task-Driven Processes

DigiCM captures and maintains data through dedicated tasks, effectively mitigating operational challenges and enhancing workflow efficiency.

Various Process Roles

Supports a wide variety of configurable internal user roles and roles for external partners, facilitating collaboration and streamlined operations.

Comprehensive Analytics

Equipped with a complex data model that adheres to business logic, regulatory requirements, and legal frameworks, providing deep insights for informed decision-making.

Enhanced Decision-Making

Legal and value analyses of proposed collateral enable projections of future collateral structures for approval purposes, improving strategic planning.

Flexibility

Adding new collateral types and enriching existing attributes is supported, allowing for quick adaptations to changing business needs.

Configurability

Manage material and process policy rules through numerous configurations, ensuring that the system aligns with specific organizational requirements.

ESG Analytics

Fully compliant with EU taxonomy principles, supporting organizations in meeting environmental, social, and governance standards.

Value Delivered by DigiCM

DigiCM implements a management process from the very start of the collateral lifecycle—beginning with the proposal and analysis, through constant monitoring and data maintenance, to the release or potential sale in case of collection for defaulted loans. This comprehensive approach ensures that all collateral is managed effectively, reducing risks and enhancing operational efficiency.

Collateral Management:
A Necessity, Not a Choice

In today’s financial market, regulators are tightening requirements, necessitating a robust yet flexible tool for monitoring and managing risks. DigiCM creates well-channeled workflows and organizes data to align with specific market environments, respect business practices, and comply with legal frameworks. This makes it an essential solution for any organization looking to enhance its collateral management processes.

How to start with with DigiCM?

Discover how DigiCM can transform your collateral management processes. Request a Demo to learn more about our innovative solutions.

Request a Demo

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Lets connect and start exploring how intelligent way of documentation and process monitoring of internal processes help companies be more productive.

Call us (+48 22) 574 86 30