Make conscious decisions
  • LIMITED COMPANIES
  • BUSINESS ADVISORS
  • CREDIT COMMITTEE

Customer Value-add. Innovative. Efficient.
FINY Customer Support leverages a bank in the value chain.

Fill In

FINY is integrated with credit reporting agencies and through which it pulls the data from public records. When you start an analysis, your official data will be retrieved and shown in FINY on Company. The next step is to fill the application. For each input, like adding a product or service, its standard conditions affect the client's operating results, balance sheet, cash flow, working capital and ratios. The result is an in-depth presentation and analysis, which shows the company's current and future situation.

ANALYZE

The most interesting part of FINY is probably the analysis section which focuses on both the history and future. Customer can easily comment deviations per area. The customer-specific analysis that is created, is unique to each customer and considerably have higher quality than normal credit data. In FINY, analyzes are user friendly, easy to understand and tailored for presentations to the customer's board and management. FINY provides a complete transparent picture of the Present and Future financial situation.

DEFINE

FINY contains most of the existing services and products as a bank and it is easy to define the customer's needs. The customer can choose the best suited solutions guided by the situation and in return the bank offers to that need. Needs such as working capital is calculated automatically. Other services included are financing, cash management, property acquisition, and much more. The customer's repayment ability and sensitivity analysis warn about a loan exposure implies difficulty in repaying the customer.

ACCEPT

The customer may receive offers after Corporate Advisor has created a quotation. The offer is analyzed by the customer via FINY regard Conditions, Effect, Collateral and a personal presentation of the bank. When the Business Advisor and the customer agrees, then there will be just one touch to agree. In the next step, the application passes to the Credit Committee, where it is complemented by the advisor. Depending on geography (branch/office/zip code) Business unit and amount - the Credit application is qualified to be sent to the correct credit approver.     

Simple, secure & smart!

front smart imageNegotiate and renegotiate according to your financial conditions

Using FINY is the smartest and most profitable bank can do!

FINY model is based on the type of interviews and risk assessments, banks normally do when the limited company looking for financial services in the traditional way. The big difference is the automation of data collection, estimates, analyzes and that everything goes in a streamlined process, from customer support to credit approval.

The result is better and higher quality of decision making, the rules are followed and a considerable time saving.

EFFECTIVE. PRODUCTIVE. INNOVATIVE.
FINY for Client Executives.

ANALYZE

Analyses of the customer is completely transparent. The customer can leave a comment to explain specific outcomes, alerts and anomalies can be easily supplemented by its observations by Company Advisor - visible only to those authorized at the bank.

TENDER

An offer created easily in the module for the Business Advisor based on the products and services Bank has activated. The Bank also controls via its own rules, Profitability and safety. The customer's repayment ability and sensitivity analysis warn about a loan exposure implies difficulty to repay for the customer. The impact of the created offer is clearly visible to the customer while the Bank's profitability is clearly visible to the bank itself. Collateral is added to the Bank's requirements while creating offer.On clicking Send Offer button, the bank offer is sent to the customer. The offer includes Bank Presentation template and conditions which are attached automatically.

Credit application

When the customer and Company Advisor agree, Company advisor creates a Credit application and to be sent to Credit Committee. A Credit Committee can see every customer request once received. It provides a better opportunity in time to assist with expertise and experience. Credit Application is not sent for a decision until requested by the Company Advisor.

DECISION

Credit applications are sent to the appropriate governing body based on a regulatory framework. For example, business, geography, amount and the applicable rules when a Credit Committee constitutes a quorum. The members of a Credit Committee can choose to accept, reject, request action and delegate to another instance. When the Credit Committee takes a decision, all the necessary documents have to be produced.

Simple, secure & smart!

front company promoNegotiate and renegotiate according to your financial conditions

Banks can use FINY in smartest way and can be most profitable.

FINY model is based on the type of interviews and risk assessments, banks normally do when the limited company looking for financial services in the traditional way. The big difference is the automation of data collection, estimates, analyzes and that everything goes in a streamlined process, from customer support to credit approval.

The result is better and higher quality of decision making, the rules are followed and a considerable time saving.

Quality, Compliance. Less risk. Increased profitability.
FINY supports Banks to take the right decision.

INFORMATION

The Credit Committee is the transparency of the requests sent to the bank under the Bank's current rules based on geography, business and amount. It creates a good business overview and provides time to gather additional information.

Credit Application

Business counselor creates a credit application with their own assessment of all analyzes and sends the decision to the credit committee. Credit application sent to the appropriate decision-making body based on bank regulations. On clicking a button, the details of each analysis, the comments from the customer and Company Advisor will be available to the credit committee. Profitability per product and even total profitability and RAROC is calculated based on the requested credit.

DECISION

The members of a Credit Committee can accept, reject, request action or delegate to another instance of each credit application. When the Credit Committee take a decision, all the documents have to be produced under the law is a good basis for discussion to follow the client's future development.

PRODUCTION

The decision was taken and communicated to a business counselor for implementation during Act saved for traceability.

Simple, secure & smart!

front housing promoNegotiate and renegotiate according to your financial conditions

Using FINY is the smartest and most profitable bank can do!

FINY model is based on the type of interviews and risk assessments, banks normally do when the limited company looking for financial services in the traditional way. The big difference is the automation of data collection, estimates, analyzes and that everything goes in a streamlined process, from customer support to credit approval.

The result is better and higher quality of decision making, the rules are followed and a considerable time saving.

FINY

 

CONTACT

Ola Hansson

+46 - 763-100100

Ola.Hansson@FINY.se

 

FINY

Ålegårdsgatan 1

431 50 MÖLNDAL

SWEDEN

www.finy.se