GAF
Part of: Transactional Systems
What is it?
System for managing the portfolio of different asset-side products, such as: Mortgage, Pledge-backed, Consumer and Commercial Loans, Leasing, Factoring, Contingent products, portfolio purchase and sale, among others. It also manages liability-side credit operations, that is, the financial obligations of an institution. In addition, it makes it easy to manage payment agreements through restructuring, refinancing, among others. It adapts flexibly and dynamically both to the business rules of the financial institution and to the client's needs, payment capacity and payment schedule, as well as to the requirements and regulations of the supervisory bodies. It includes its WebGAF application, which lets you query and view on the Web all the credit operations held in the GAF module.
Features
Definition of products according to the needs of financial institutions and the market, with different rate types, allocation of line items (insurance, fees, taxes), disbursement control, negotiation margins, terms, portfolio maturity profiles, setting of installment frequency (weekly, monthly, bimonthly, annual, at maturity, etc.), products in different currencies, among others.
Availability of French, German and planned-flow amortization schedules.
The system supports collections such as: regular payments (at installment due date), early payment of installments, early loan payoff, principal payments (reducing term and installment), partial installment payments, novations, refinancing and restructuring.
Facilitates the management of different line items such as: legal fees, restructured insurance, among others incurred by clients when they restructure operations.
Offers a wide variety of queries (on the native screen and in the WebGAF application) that filter products and sort information, allowing navigation through the relationships, dependencies and events that have occurred on each operation recorded in the system (e.g., disbursements, installment collections, rate adjustments, delinquency calculations, collection management, loan accounting movements and balances, insurance, among others).
Generates credit reports and documents, such as: contract, promissory note, insurance authorizations, debit authorizations, among others, through its ReportesGAF module.
Multi-user and multi-environment system (a single company can have several GAF environments).
Benefits
Easy and dynamic product definition.
Quickly react to changing business needs and market conditions.
Ease of using multiple channels for collections.
Highly parameterizable.
Increased productivity.
Provide the information required by regulatory bodies.
Flexibility to generate different types of amortization schedules.
Efficient administration and control of portfolio management.
Resource optimization.
Application areas
- Parameter and product administration.
- Administration of mortgage, pledge-backed and consumer loans.
- Loan portfolio purchase and sale.
- Collateral administration.
- Leasing and factoring administration.
- Expense and insurance administration.
- Customer administration.
- Securitized portfolio administration.
- Payment agreements.
- Batch process administration.
- Administration of interfaces with external systems.
Complementary modules
Reports
Generates credit reports and documents, such as: contract, promissory note, insurance authorizations, debit authorizations, among others.
Web application
Web application for querying and viewing all the credit operations held in the GAF module.