Onboarding & Origination

Trade Ledger, part of United Fintech, offers an end-to-end credit management platform that includes Onboarding & Origination, Deal Creation, and Portfolio & Risk Management. These three components ensure efficient management of the entire credit lifecycle, with each stage covering specific processes such as risk assessment, document management, and loan renewal. The Onboarding & Origination phase includes onboarding and registration, financial assessment, risk assessment, and loan and facility application. Deal Creation covers loan and facility structuring, fulfilment and document management, and booking, while Portfolio & Risk Management encompasses customer and relationship management, facility management, collateral and security management, risk management, and loan closure and renewal. Explore the full Trade Ledger platform.

Trade Ledger accelerates lending decisions using AI-driven workflows and real-time analytics. The capabilities of Trade Ledger as a United Fintech product allow credit risk assessments to be made instantly, providing rapid and transparent outcomes for customers. The Trade Ledger platform significantly reduces the time required for lending decisions from weeks to hours. By leveraging AI, Trade Ledger automates complex analysis processes, enabling teams to swiftly evaluate and respond to credit applications. Real-time data processing supports the quick identification of credit risks, reducing uncertainties and enhancing decision-making speed. Discover how Trade Ledger transforms lending processes.

Trade Ledger ensures efficient digital onboarding by automating data collection and integrating systems to eliminate manual entry and reduce errors. The Trade Ledger platform accelerates the approval process while maintaining compliance from the first interaction. The automated approach not only speeds up client onboarding but also ensures accuracy in data management. By integrating with existing systems, Trade Ledger minimises delays and potential bottlenecks, providing a smooth experience for both clients and financial institutions. Learn more about Trade Ledger.

Trade Ledger aggregates and analyses financial data from accounting software and ERP systems to create a complete business profile. The process involves collecting detailed financial information, which Trade Ledger systematically evaluates to produce a comprehensive picture of the business financial health. By integrating data from multiple sources, Trade Ledger ensures accuracy and completeness in its assessments. The data aggregation and analysis provide insights into key financial metrics and trends, enhancing understanding of the business financial position. The integration of accounting software and ERP data supports a robust evaluation, contributing to a reliable business profile. See how the Financial Assessment feature works.

Trade Ledger, a United Fintech product, enhances portfolio risk management by unifying data from core banking, collateral, and risk systems to provide a real-time picture of portfolio health. The integration enables financial institutions to gain transparency, control, and agility in managing performance and mitigating risk. Trade Ledger empowers users with the ability to identify issues early and act proactively. The Trade Ledger platform uses embedded analytics to identify early warnings, automate covenant monitoring, and support proactive renewals. By doing so, Trade Ledger helps financial institutions maintain a strong understanding of financial risk exposure and overall portfolio health, allowing for timely and informed decision-making. Find out more about Trade Ledger portfolio risk management.

By integrating real-time market and risk data, Trade Ledger ensures accurate pricing and collateralisation. This capability allows the Trade Ledger platform to calculate precise loan terms, ensuring facilities are priced accurately and competitively. As a result, Trade Ledger enhances profitability and risk control for financial institutions. By using real-time data, Trade Ledger offers intelligent pricing that adapts to market conditions, optimising both loan terms and risk exposure. This integration helps in maintaining competitive pricing strategies and minimising potential losses due to mispricing. Learn more.