The Credit Officer defines and regularly manages all the criteria he deems relevant for a mortgage to be granted in an automated manner. These range from lending criteria to risk model parameters, portfolio composition and pricing tables. If desired, quantitative market positioning insights provided by Credit Exchange allow the Credit Officer to continuously improve and optimize his pricing and risk strategies.
By using the CredEx platform, the Credit Officer’s responsibilities expand, especially in the direction of both strategic and active management of the overall portfolio and the analysis and approval of more complex financing. This allows for the generation of significant added value, as the overall yield of mortgages increases.
The Credit Officer can use the CredEx platform to expand the distribution network and thus benefit from third-party sales throughout Switzerland. A kind of “N+1” branch, so to speak. Its own acceptance criteria are of course respected and its own scorecard is applied consistently. The Credit Officer will automatically win all mortgage applications for which the best offer has been provided.
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