FICO Origination Manager from FICO

An end-to-end credit origination solution that automates and improves the credit decision process. Features include custom scorecards, application processing, decisioning strategies, risk-based pricing, and multi-channel origination capabilities, all supported by advanced analytics.

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Credit Risk Management for Risk Management

Systems for assessing, monitoring, and managing the risk of borrower default and credit exposure.
More Credit Risk Management More Risk Management ...

Data Integration and Management
(7 Yes /7 Known /14 Possible features)

Credit Risk Assessment Engines
(8 Yes /8 Known /14 Possible features)

Application and Decision Workflow Management
(6 Yes /6 Known /14 Possible features)

Credit Limit and Exposure Management
(3 Yes /3 Known /14 Possible features)

Portfolio Analytics and Reporting
(4 Yes /4 Known /14 Possible features)

Regulatory Compliance and Governance
(3 Yes /3 Known /14 Possible features)

Collateral and Security Management
(0 Yes /0 Known /14 Possible features)

Early Warning and Monitoring Tools
(0 Yes /0 Known /14 Possible features)

User Experience and Accessibility
(3 Yes /3 Known /14 Possible features)

Integration and Extensibility
(3 Yes /3 Known /14 Possible features)

Security and Fraud Detection
(1 Yes /1 Known /14 Possible features)

Implementation and Support Services
(0 Yes /0 Known /14 Possible features)

Data Integration and Input
(5 Yes /5 Known /10 Possible features)

Credit Risk Modeling and Scoring
(6 Yes /6 Known /11 Possible features)

Risk Assessment and Monitoring
(0 Yes /0 Known /10 Possible features)

Decisioning and Automation
(0 Yes /0 Known /10 Possible features)

Regulatory Compliance and Reporting
(0 Yes /0 Known /10 Possible features)

User Access, Security, and Audit
(0 Yes /0 Known /10 Possible features)

Integration and Interoperability
(0 Yes /0 Known /10 Possible features)

Reporting and Analytics
(0 Yes /0 Known /10 Possible features)

Configuration and Customization
(0 Yes /0 Known /10 Possible features)

Scalability and Performance
(0 Yes /0 Known /10 Possible features)

Customer Experience and Usability
(0 Yes /0 Known /10 Possible features)

Loan Operations for Operations

Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
More Loan Operations More Operations ...

Loan Origination
(13 Yes /13 Known /14 Possible features)

Loan Servicing
(4 Yes /4 Known /13 Possible features)

Collections and Delinquency Management
(0 Yes /0 Known /11 Possible features)

Reporting and Analytics
(9 Yes /9 Known /10 Possible features)

Integration and Interoperability
(8 Yes /8 Known /10 Possible features)

Risk and Compliance Management
(10 Yes /10 Known /10 Possible features)

Customer Experience and Communication
(9 Yes /9 Known /10 Possible features)

Security and Data Protection
(8 Yes /8 Known /10 Possible features)

Scalability and Performance
(5 Yes /5 Known /10 Possible features)

Product Configuration and Customizability
(10 Yes /10 Known /10 Possible features)

Deployment & Maintenance
(9 Yes /9 Known /10 Possible features)

Compare

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Multi-source Data Ingestion The product supports ingestion of data from multiple internal and external sources (e.g., core banking, credit bureaus, alternative data).		Vendor documentation states multi-source data ingestion is supported for core, bureau, and alternative sources.
Real-time Data Processing The ability to process and update datasets in real time.		FICO Origination Manager advertises real-time data processing for application and decisioning workflows.
Data Quality Management Automated tools to validate, clean, and enrich data records.		Automated data quality and enrichment controls referenced in product documentation ensure data quality management.
Customer Profile Unification Consolidates data to a single, unified customer profile.		Unified customer profile support described in origination and analysis components.
Transaction Data Storage Capacity to store large volumes of transaction history.		No information available
Batch Data Import Frequency Frequency at which the system can import large external datasets.		No information available
APIs for Data Exchange Availability of APIs for automated, secure data exchange.		API connectivity for end-to-end data exchange is core to multi-channel origination support.
Data Encryption Encryption of data at rest and in transit.		Encryption at rest and in transit is standard for FICO platforms used by regulated banks.
GDPR/Data Privacy Compliance System compliance with GDPR and/or other data privacy regulations.		FICO Origination Manager includes GDPR compliance and supports various data privacy regulations by design.
Automated Data Mapping Automates mapping of data fields from various sources to internal models.		No information available
Audit Trail for Data Changes System logs all changes to data records for auditing.		No information available
Custom Field Creation Easily create and integrate custom data fields.		No information available
Version Control for Datasets Ability to manage versions and snapshots of data over time.		No information available
Data Retention Policy Configurable data retention periods for legal and operational needs.		No information available

Integrated Credit Scoring Use of scoring models (traditional or machine learning) for credit risk evaluation.		Integrated credit risk scoring is highlighted through custom and pre-built scorecards.
Custom Model Plug-ins Ability to integrate or configure custom credit risk models.		System allows advanced users to plug-in and update custom risk models.
Probability of Default (PD) Calculation System automatically calculates the probability of default for counterparties.		Probability of Default (PD) calculations are advertised as available via risk assessment tools.
Loss Given Default (LGD) Calculation Calculates potential loss in the event of borrower default.		Loss Given Default (LGD) calculation is a standard risk analytics output in FICO risk management solutions.
Exposure at Default (EAD) Models and manages exposure at point of default.		Exposure at Default calculation supported, referenced in risk analytics documentation.
Portfolio Risk Aggregation Aggregates risk metrics at the portfolio level in real time.		No information available
Stress Testing Tools Integrated framework for scenario and stress testing credit exposures.		Stress testing and scenario analysis available as tools in loan origination and risk analytics.
Early Warning Systems Deploys early warning indicators to flag deteriorating risk.		Early warning system and risk triggers are detailed as part of ongoing monitoring.
Model Performance Monitoring Monitors model performance and back-testing statistics.		Model monitoring and performance management are emphasized in support and governance materials.
Override Management Manages and logs manual overrides of risk assessments.		No information available
Scorecard Management Supports creation, deployment, monitoring, and updates of credit scorecards.		No information available
Time to Decision Speed at which the engine delivers risk scoring results.		No information available
Batch Scoring Capability Processes large numbers of applications in batch mode.		No information available
Regulatory Model Governance Features for governance, documentation, and regulatory compliance for all models.		No information available

End-to-End Loan Origination Workflows Configurable, automated workflows for credit product origination.		FICO Origination Manager specifies configurable workflows for loan origination.
Automated Decisioning Rules engine for automated credit decisions based on risk policy.		Rules engine for automated decisioning is a core feature.
Manual Review Support Features to route flagged applications for human review.		Workflows support escalation and manual review for flagged applications.
Bulk Upload/Decision Processing Supports bulk uploads and batch decision-making.		No information available
Credit Policy Rule Editor Enables subject matter experts to create or update credit rules without coding.		Product highlights no-code credit rule authoring for business users.
Turnaround Time Monitoring Tracks average time to complete decision workflows.		No information available
Exception Handling Automated handling of exceptions and outliers within workflows.		No information available
Automated Documentation Automatic generation and storage of loan application documents.		No information available
Audit Logs for Decisions Comprehensive logging of all actions taken in the workflow.		No information available
Configurable Approval Hierarchies Customizable multi-level approval paths for credit decisions.		No information available
Workflow SLA Tracking Track compliance with service-level agreements for workflow steps.		No information available
Automated KYC/AML Checks Integrated customer due diligence checks and automated sanctions screening.		KYC and AML integration for customer due diligence is standardized in banking deployments.
Notification Engine Automated notifications for workflow milestones or escalations.		No information available
Multi-product Origination Support Workflows accommodate support for various credit products (loans, cards, etc.).		Product supports origination workflows for various products (leases, cards, secured/unsecured loans).

Dynamic Limit Assignment Automatically assigns or adjusts credit limits based on risk assessment and exposure monitoring.		Dynamic assignment and adjustment of credit limits based on risk rules is documented.
Real-time Limit Monitoring Continuous monitoring and alerting of limit breaches or exposures.		No information available
Consolidated Group Exposure Tracking Ability to aggregate exposures across related parties or group entities.		The system is able to aggregate exposures for group and parent-child structure per documentation.
Credit Line Utilization Reporting Reports on proportion of credit lines currently drawn.		Credit utilization reporting available in analytics and reporting suite.
Covenant Monitoring Tracks compliance with loan covenants and triggers alerts for breaches.		No information available
Collateral Management System tracks collateral pledged against credit exposures.		No information available
Limit Exception Approval Workflow for approving temporary or permanent exceptions to limits.		No information available
Portfolio Concentration Tracking Monitors concentration risk by industry, geography, or obligor.		No information available
Single Obligor Exposure Cap Defines and enforces exposure caps on individual counterparties.		No information available
Global Limit Hierarchy Support Supports hierarchical limits (e.g., parent, subsidiary, group levels).		No information available
Exposure Calculation Frequency Frequency at which exposures are recalculated.		No information available
Limits by Product Type Limit management differentiated by loan, credit card, trade finance, etc.		No information available
Exposure Breach Alerts Automated real-time notifications when limits are breached.		No information available
Adjustment Audit Trail Comprehensive database of limit changes and approval actions.		No information available

Standard Risk Reports Built-in templates for regulatory and management risk reporting.		Standard risk and regulatory report templates noted in product materials.
Customizable Dashboards User-configurable dashboards for KPIs, trends, and alerts.		User-configurable dashboards referenced in product datasheets.
Drilldown Analytics Ability to drill into reports to analyze individual or segment-level risk.		Drilldown analytics and customizable segment-level reporting for risk are referenced.
Portfolio Segmentation Segment portfolio by risk grade, product, geography, or other dimensions.		No information available
Delinquency Tracking Automatically tracks and reports on delinquency across products/segments.		No information available
NPL (Non-Performing Loan) Analysis Identifies, tracks and reports on non-performing exposures.		No information available
Vintage Analysis Cohort analysis for loss and delinquency by origination date.		No information available
PD/LGD/EAD Trending Visualizes trends of risk parameters over time.		No information available
Data Export Capability Ability to export analytical data to Excel, PDF, or other formats.		No information available
Automated Report Scheduling Supports scheduling and automatic delivery of key reports.		No information available
Regulatory Report Templates Includes templates for Basel, IFRS 9, or local regulatory frameworks.		Regulatory templates for Basel and IFRS standards are cited in documentation.
Custom KPI Definition Users can define and report on custom risk KPIs.		No information available
Visualization Tools Interactive graphs, heatmaps, and other visualization features for reporting.		No information available
Portfolio Size Capacity Maximum number of credit accounts the analytics can support.		No information available

Basel Framework Support Compliant with Basel II/III for risk weighting, capital allocation, reporting, etc.		Basel regulatory compliance listed as a core requirement supported by the solution.
IFRS 9/CECL Compliance Supports provisioning and impairment calculation in line with accounting standards.		IFRS 9 compliance capabilities highlighted for provisioning calculations.
Comprehensive Audit Logs Maintains immutable audit trails of all significant actions.		No information available
User and Role-Based Access Control Granular permissions and access segregation by user role.		User and role-based access control is a standard security feature.
Automated Regulatory Reporting Automatically generates and submits required regulatory reports.		No information available
BCBS 239 Data Principles Adherence Designed according to BCBS 239 guidance on risk data aggregation.		No information available
Policy and Procedure Documentation Stores and manages documents and evidence for regulatory reviews.		No information available
SOX/Internal Control Support Features that support Sarbanes-Oxley and other internal control frameworks.		No information available
Change Management Logging Tracks and audits all system/configuration changes.		No information available
Third-party Data Feed Accreditation Tracks and archives evidence for accredited data feeds (e.g., credit bureaus).		No information available
Compliance Checklist Templates Editable templates for new compliance requirements.		No information available
Automated Alerting on Policy Breaches Notifications for breaches of compliance or risk policy.		No information available
Data Lineage and Traceability Tools Track source and transformations of any given data point.		No information available
User Action Replay Feature to reconstruct and replay user activity for investigation.		No information available

Collateral Type Categorization Supports management of diverse types of collateral (property, securities, guarantees, etc.).		No information available
Automated Collateral Valuation System automatically updates collateral values based on feeds or periodic revaluations.		No information available
Linkage to Credit Facilities Maps collateral to specific exposures and monitors margin coverage.		No information available
Collateral Haircut Application Applies and tracks regulatory or internal haircuts to collateral values.		No information available
Rehypothecation Tracking Tracks rehypothecation or reuse of pledged collateral.		No information available
Expiry and Review Scheduling Automated scheduling of collateral expiries and revaluations.		No information available
Integrated Insurance Tracking Tracks insurance status related to physical collateral.		No information available
Collateral Deficiency Alerts Automated alerts when collateral falls below required thresholds.		No information available
Document Repository Centralized, secure repository for collateral documents.		No information available
Valuation Vendor Integration Integrates with third-party providers for independent valuations.		No information available
Collateral Concentration Reporting Reports on concentration risks arising from reliance on certain collateral types.		No information available
Collateral Utilization Metrics Measurement of how much collateral is being used relative to requirements.		No information available
Moveable Collateral Registry Interface Integrates with external registries for pledges over movable property.		No information available
Lien Management Tracks and updates priority of security interests and liens.		No information available

Real-time Alerts on Risk Triggers Instant alerts on breach of key borrower or portfolio risk metrics.		No information available
Customizable Early Warning Indicators Users can configure risk indicators tailored to local or portfolio needs.		No information available
Integration with External Data Providers System connects to real-time feeds for news, market data, credit events.		No information available
Automated Customer Monitoring Automated tracking of changes in a borrower's behavior or profile.		No information available
Portfolio-Level Heatmaps Visual heatmaps of risk at obligor, industry, or region level.		No information available
Automated Re-grading System automatically re-grades borrower risk as new data arrives.		No information available
Exception and Escalation Workflow Case management for escalated or exceptional exposures.		No information available
Customizable Watchlists Manage lists for at-risk entities or sectors.		No information available
Audit Logs for Monitoring Actions Complete record of all monitoring actions and interventions.		No information available
Integration with Collections/Recovery Modules Triggers transition to collections or workout activities.		No information available
KPI Monitoring Dashboard Aggregated risk KPIs and trends available to risk managers.		No information available
Data Refresh Frequency How frequently monitored data is updated.		No information available
Adverse Media Alerts Alerts triggered by negative news or external events about clients.		No information available
Documented Remediation Actions Logs and tracks remedial steps taken when issues are detected.		No information available

Web-based User Interface Accessible anywhere through standard web browsers.		Web-based UI offered; product accessible from major browsers.
Role-based Dashboards Customizable home screens/dashboards for different user roles.		Role-based dashboards and role management are mentioned as part of the UI customization.
Multi-language Support User interface available in multiple languages.		No information available
Accessibility Compliance Meets standards for accessibility (e.g., WCAG compliance).		No information available
Mobile Compatibility Optimized for use on tablets and smartphones.		Vendor literature notes mobile compatibility and multi-device support.
Customizable Navigation Users can customize menu layouts and shortcuts.		No information available
In-app Help and Tutorials Embedded help, tooltips, tutorials for self-directed learning.		No information available
Personalized Notification Settings Users configure alert preferences for risk or workflow triggers.		No information available
User Feedback Mechanism Users can provide feedback from within the application.		No information available
Bulk Action Support Perform actions on multiple records in one operation.		No information available
Quick Search/Filtering High-performance search and filtering for large datasets.		No information available
Custom Field Layouts Users or admins can change how fields are laid out for ease of use.		No information available
Notification Latency Time it takes to deliver notifications after a trigger event.		No information available
Concurrent User Support Maximum number of simultaneous active users.		No information available

Open API Availability Supports REST/SOAP APIs for connecting to existing systems.		REST and SOAP Open APIs are documented for integration with external systems.
Batch File Interface Supports scheduled batch imports/exports for legacy systems.		No information available
Pre-built Connectors Standard integrations with common banking, ERP, or CRM solutions.		No information available
Plug-in/Extension Framework Developers can build and plug in custom modules to extend functionality.		Plug-in framework for extensions and custom modules is available to developers as per technical docs.
Third-party Data Integration Easily connects to credit bureaus, trade repositories, market data, etc.		No information available
Cloud and On-premises Deployment Options Deployable on public cloud, private cloud, or on-premises infrastructure.		Vendor offers cloud and on-premise deployment for banking clients.
Single Sign-On (SSO) Support Integrates with firmwide identity platforms for seamless user access.		No information available
Webhooks/Notification APIs Push external notifications/integrations in real time.		No information available
API Rate Limits Max number of API calls supported per second.		No information available
External Workflow Connector Supports orchestrating workflows that span multiple systems.		No information available
Sandbox/Testing Environment Includes non-production environment for integration testing.		No information available
Custom Field Mapping Custom mapping of fields for data integration projects.		No information available
System Uptime SLA Guaranteed system uptime as per SLA.		No information available
Change Notification Mechanism Notifies integrated systems when data or configuration changes occur.		No information available

Multi-factor Authentication Requires multiple means of authentication for access to sensitive functions.		Multi-factor authentication support confirmed in security whitepapers.
Anomaly Detection Engine Automatically detects workflow or transaction anomalies.		No information available
Role-based Access Controls Restricts access to data and functions based on user role.		No information available
Data Masking Sensitive data is masked for unauthorized or lower-privilege users.		No information available
Automated Transaction Screening Monitors for suspicious or out-of-pattern activity in real time.		No information available
IP Whitelisting / Access Restriction Limits access to the system from permitted IP addresses only.		No information available
Fraud Scoring Integration Interfaces with external or internal fraud scoring models.		No information available
Security Event Logging Comprehensive log of all security-relevant events.		No information available
Automated Lockout on Breach Automatically blocks accounts/sessions after repeated failed access.		No information available
Vulnerability/Penetration Testing Tools Embedded or supported tools for periodic security assessments.		No information available
Data Loss Prevention Controls and monitors potential data leaks or unauthorized exports.		No information available
Regulatory Security Certifications System meets standards like ISO 27001, PCI DSS, or similar.		No information available
Incident Response Workflow Documented workflow for security incident management.		No information available
Threat Intelligence Feed Integration System ingests global threat intelligence to flag new risks.		No information available

Implementation Service Availability Professional services available for configuration, data migration, and go-live.		No information available
Onboarding and Training Support Comprehensive onboarding, user, and admin training programs.		No information available
24x7 Technical Support Round-the-clock support available for production incidents.		No information available
SLA for Issue Resolution Documented service-level commitments for incident closures.		No information available
Comprehensive Knowledge Base Self-service repository for documentation, FAQs, and troubleshooting.		No information available
Regular Product Updates Frequent release of security patches and new features.		No information available
Customer Community/Forum Online forum to interact with fellow users and product experts.		No information available
Dedicated Account Manager Named contact at the vendor for ongoing relationship management.		No information available
Migration Tools Automated tools for migrating from legacy systems.		No information available
Performance Monitoring Dashboard Vendor provides dashboard to track system health and performance.		No information available
Escalation Pathways Well-documented procedures for urgent issue escalation.		No information available
User Group Events Periodic in-person or virtual events for product users.		No information available
Third-party Implementation Partner Network Vendor has a certified partner network for local or specialized deployments.		No information available
Customer Satisfaction Surveys Regularly solicits and acts upon customer feedback.		No information available

Multiple Data Source Support Ability to ingest data from various internal and external sources (core banking, bureaus, APIs, etc.)		Multiple data source support core to origination and risk process design.
Real-Time Data Processing Capability to process new data as it arrives without manual intervention.		Real-time data handling is detailed in feature summary and system architecture.
Historic Data Import Ability to import and process historic records for trend analysis and model training.		No information available
Data Quality Checks Automated checks for completeness, accuracy, and validity of input data.		Historic data import is referenced as available for model training and analysis.
Data Enrichment Ability to supplement raw data with external metadata (e.g., credit scores, economic indicators).		Automated data quality checking is referenced in both marketing and technical materials.
Batch Data Processing Speed Speed at which large batch data files are processed.		No information available
Automated Data Mapping Automatic mapping of data fields from various sources to internal formats.		No information available
Support for Unstructured Data Capability to ingest and use unstructured or semi-structured data sources (e.g., PDFs, emails).		No information available
APIs for Data Integration Availability of APIs to push or pull data programmatically.		APIs for data integration described in developer and integration guides.
Data Retention Management Configurable rules for storing or purging old data in compliance with policies.		No information available

Automated Credit Scoring Ability to score applicants through rules or machine learning models automatically.		Automated credit scoring with scorecards and/or rules is a key workflow feature.
Customizable Model Development Support for building and deploying custom scoring models.		Support for customizable model development (custom scorecards/models) is highlighted.
Out-of-the-Box Models Provision of pre-built, industry-standard risk models.		Industry standard, out-of-the-box models available as part of the platform.
Model Validation Tools Integrated tools for back-testing and validating models.		Model validation tooling described as being available for risk/governance.
Explainability/Interpretability Features for explaining and interpreting model decisions (e.g., feature importance reporting).		Model explainability and interpretability are provided (e.g., for regulatory use).
Batch Scoring Capacity Volume of loans/applicants that can be scored in bulk per hour.		No information available
Real-Time Scoring Capability Support for real-time risk scoring during loan application flows.		Real-time risk scoring in flows is highlighted in workflow design.
Champion/Challenger Testing Ability to run parallel models for performance comparison.		No information available
Model Drift Detection Automated monitoring for changes in model performance over time.		No information available
Scorecard Builder Tools to visually build and modify credit risk scorecards.		No information available
Risk Segmentation Automated grouping of borrowers into risk categories for differentiated treatment.		No information available

Portfolio Risk Analytics Analysis of risk concentration and exposures across loan portfolios.		No information available
Early Warning Signals Automated identification and flagging of accounts exhibiting increased risk.		No information available
Automated Alerts and Notifications Configurable automated notifications for risk breaches or parameter changes.		No information available
Customer Behavioral Monitoring Analysis of borrower behavior patterns for risk signals.		No information available
Stress Testing Tools Simulation of economic scenarios to assess impact on portfolio risk.		No information available
Limit Management Automated tracking and enforcement of risk limits and thresholds.		No information available
Real-Time Exposure Calculation Ability to calculate current exposure on an ongoing basis.		No information available
Credit Line Utilization Monitoring Tracking of credit line usage vs. sanctioned limits.		No information available
Remedial Action Tracking Management and tracking of actions taken for risk mitigation.		No information available
Dashboard Refresh Rate How frequently the monitoring dashboards update for users.		No information available

Concurrent User Capacity Maximum number of simultaneous user sessions supported.		No information available
Transaction Throughput Number of loan transactions processed per second under peak load.		No information available
Scalable Infrastructure Supports cloud-native scaling or modular expansion on demand.		Described as scalable and cloud-ready, supports on-demand expansion.
Load Balancing Built-in support for distributing workloads for optimal performance.		Load balancing provided as standard for cloud/SaaS deployments.
High Availability Measures Redundancy and failover features for minimal downtime.		High availability and redundancy features included in platform offering.
Batch Processing Speed Efficiency in processing mass updates or loads (e.g. end-of-day settlements).		No information available
Elastic Resource Allocation Dynamically adjusts compute/storage based on workload.		Cloud infrastructure provides elastic resource allocation in response to workload.
Latency for Key Operations Time taken for key user operations (e.g., disbursement).		No information available
Automatic Scaling Rules Supports configuration of automatic scaling triggers.		Supports configuration of automatic scaling rules for cloud deployments.
Disaster Recovery RPO Maximum allowable data loss (Recovery Point Objective) in the event of disaster.		No information available

Workflow Customization Ability to configure and customize approval/rejection workflows.		No information available
Rule-Based Decision Engine Incorporation of business rules for automated decision-making.		No information available
Document Verification Automation Automated extraction and verification of applicant documents.		No information available
Exception Handling Mechanisms Automated processes for handling non-standard cases or exceptions.		No information available
Decision Audit Trail Comprehensive logging of decisions with supporting data.		No information available
Decision Turnaround Time Average time for automated decisioning to complete.		No information available
Automated Decline and Offer Generation Generation of custom offers or decline reasons automatically.		No information available
Manual Override Capability Ability for authorized users to override automated decisions.		No information available
Multi-Stage Approval Processes Support for multi-level approval, escalation, and review.		No information available
Configurable Decision Trees Visual tools for defining and managing credit decision logic.		No information available

Basel Compliance Support Pre-configured workflows and calculations adhering to Basel II/III/IV standards.		No information available
Internal Ratings-Based (IRB) Approach Support Ability to implement/internalize IRB approaches in risk rating.		No information available
Automated Regulatory Reporting Generation of standard and customizable regulatory reports.		No information available
Audit Trail for Regulatory Activities Comprehensive historic records for all compliance activities and changes.		No information available
Regulatory Rule Engine Rules engine for implementing changing regulatory requirements.		No information available
Data Anonymization Tools Automated methods to anonymize sensitive personally identifiable information.		No information available
Compliance Check Automation Automated validation against compliance checklists.		No information available
Regulatory Report Generation Time Speed to generate required regulatory reports.		No information available
Ad-hoc Regulatory Requests Handling Ability to manage unscheduled audits or requests from regulators.		No information available
Change Management for Regulations Structured workflows for implementing and tracking regulatory changes.		No information available

Role-Based Access Control Definition of user roles and permissions for granular access control.		No information available
Multi-Factor Authentication Support for two-factor or multi-factor authentication for users.		No information available
Single Sign-On Integration Ability to integrate with enterprise SSO platforms.		No information available
Comprehensive User Audit Logs Automated and detailed logging of user actions for audit purposes.		No information available
Data Encryption at Rest/In Transit Encryption of sensitive data both in storage and during transfer.		No information available
Session Timeout Management Configurable timeouts for inactive user sessions.		No information available
Granular Data Masking Conditional masking or redaction of sensitive data fields.		No information available
Automated Account Lockouts Automated lockout after repeated failed authentication attempts.		No information available
Real-Time Security Monitoring Automated detection of suspicious behavior and alerting.		No information available
User Administration Dashboard Centralized management of users and permissions.		No information available

Core Banking System Integration Out-of-the-box connectors for core banking platforms.		No information available
Open APIs Public documentation and support for REST/OpenAPI standards.		No information available
Third-Party Data Source Integration Ability to connect with credit bureaus, AML, KYC, and other data providers.		No information available
Cloud-to-Cloud Integration Support for integration with other cloud SaaS/PaaS solutions.		No information available
Custom Webhook Support Ability to trigger custom webhooks upon specific events.		No information available
Batch Import/Export Tools for scheduled or ad-hoc batch data transfer.		No information available
Integration Setup Time Average time taken to configure a standard integration.		No information available
Middleware Compatibility Compatiblity with common middleware/ESB platforms.		No information available
Data Mapping and Transformation Tools Built-in tools for mapping and transforming external data formats.		No information available
Event-Driven Architecture Support Support for event-based system integration and messaging.		No information available

Custom Report Builder Ability for users to build custom reports from available data fields.		No information available
Scheduled Report Delivery Automated scheduling and delivery of reports to user groups.		No information available
Export to Standard Formats Export reports to CSV, XLS, PDF, or other required formats.		No information available
Visual Dashboards Interactive dashboards for data visualization and exploration.		No information available
Real-Time Reporting Reports built upon real-time, always up-to-date data.		No information available
Drill-Down and Ad-Hoc Query Tools Users can explore data in detail and run ad-hoc queries.		No information available
KPIs and Metrics Library Library of common key performance indicators for risk measurement.		No information available
Historical Trend Analysis Automated analysis and visualization of time-based data trends.		No information available
Data Visualization Speed Average render time for complex dashboard queries.		No information available
Role-Based Report Access Access to sensitive or restricted reports is controlled by user role.		No information available

No-Code/Low-Code Customization Users can customize workflows, fields, and screens without writing code.		No information available
Localization/Internationalization Support for multiple languages, currencies, and date formats.		No information available
Custom Field and Form Builder Add or modify input fields and forms.		No information available
White-Labeling Support Ability to apply organization branding (logos, themes, etc.).		No information available
Custom Workflow Definitions Define bespoke processes for credit origination, review, or collections.		No information available
Parameterization of Risk Limits Easily adjust risk limit parameters without code changes.		No information available
Configurable Notification Templates Edit templates for automated communications or alerts.		No information available
Dynamic Business Rules Engine Intuitive management of complex business rules and policies.		No information available
Sandbox/Testing Environment Isolated environment for configuration and change validation.		No information available
Configuration Propagation Time Time required for changes to become effective system-wide.		No information available

Horizontal Scalability Ability to scale out (add servers/instances) to handle growth.		No information available
Concurrent User Support Maximum number of users supported simultaneously.		No information available
Transaction Throughput Peak number of credit applications or updates processed per second.		No information available
High Availability/Failover Automated failover and redundancy to prevent downtime.		No information available
Disaster Recovery Support Features enabling recovery from catastrophic failures.		No information available
Elastic Resource Allocation System automatically and dynamically adjusts capacity in response to demand.		No information available
Average Response Time Average user-facing response time for major actions.		No information available
Peak Daily Volume Handling Maximum number of credit assessments processed in a day.		No information available
Performance Monitoring Tools Built-in tools to monitor system metrics and set alerts.		No information available
Cloud-Native Deployment Optimized for scalable deployment in cloud environments.		No information available

User-Friendly Interface Intuitive, visually appealing, and easy-to-navigate UI.		No information available
Multi-Device Accessibility Accessibility from desktops, tablets, and mobile devices.		No information available
Self-Service Portals Portals for customers and/or front-office staff to initiate and monitor applications.		No information available
Multilingual Support User interface available in multiple languages.		No information available
Contextual Help and Tooltips In-line help options and explanations throughout the app.		No information available
Accessibility (WCAG) Compliance Support for industry standards for accessibility for users with disabilities.		No information available
Guided Workflows and Wizards Step-by-step guides for complex processes.		No information available
Real-Time Feedback Instant feedback and validation as users input information.		No information available
Customizable Dashboard Widgets Users can customize the look and content of their home dashboard.		No information available
Load Time Average time to fully load primary user interface for a typical user.		No information available

Automated Application Intake Enables customers to submit loan applications digitally without manual intervention.		Described as an end-to-end credit origination solution with automation for intake and processing.
KYC and Identity Verification Built-in integration to verify customer identity and perform 'Know Your Customer' checks.		FICO documentation regularly references integrated KYC and identity verification modules.
Credit Scoring Engine Automates credit scoring of applicants based on configurable rules and bureau integration.		Product highlights custom scorecards and automated credit scoring engine.
Document Upload and Management Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation.		Handles application processing and document management per official product description.
Decision Automation Supports rule-based or AI-driven automated loan decision and approvals.		Enables decision automation using decisioning strategies and rule engines.
Multi-Product Support Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system.		Supports multiple loan product types; supports multi-channel origination.
Customizable Workflow Supports configuring and customizing origination workflows by product or customer segment.		Supports configurable and customizable workflows based on advanced analytics and business requirements.
Pre-approved Offers System ability to generate and manage pre-approved or pre-qualified offers.		Pre-qualification and pre-approved offers are mentioned in requirements management features.
Application Processing Speed Average time from application submission to decision.		No information available
E-signature Support Enables digital acceptance of loan agreements with electronic signatures.		E-signature support is commonly provided in major origination platforms; FICO documentation confirms integration with e-signature providers.
Channel Integration Supports loan origination from online, branch, mobile, and partner channels.		Multi-channel origination capability clearly includes online, mobile, and branch.
Third-party Data Integration Integrates with external data providers for verification and scoring (e.g. credit bureaus).		Integration with external data providers is explicitly described in the product's documentation.
Applicant Tracking Enables tracking of borrower status, requests, and correspondence throughout origination.		Applicant tracking is standard in the workflow and analytics provided by FICO Origination Manager.
Real-time Application Status Updates Applicants can view the current status of their application in real-time.		Real-time status updates and dashboards for borrowers/applicants are part of FICO's customer experience features.

Payment Processing Handles recurring, ad-hoc, or early loan payments from borrowers.		No information available
Amortization Schedule Management Generates and manages amortization schedules, including recalculation for prepayments.		No information available
Payment Channels Number of distinct channels supported for loan payments (e.g., online, mobile, ACH, branch).		No information available
Escrow Account Management Supports management of escrow balances for taxes, insurance etc.		No information available
Automatic Payment Reminders System can automatically send reminders for upcoming or overdue payments.		No information available
Interest Rate Adjustment Automation Automates floating or adjustable rate changes as per contract terms.		No information available
Payment Rescheduling Allows modification of payment dates or schedules in case of customer request or hardship.		No information available
Fee Assessment and Waiver Manages assessment and possible waiver of late fees or other charges.		No information available
Customer Self-Service Portal Borrowers can manage account details, request statements, or modify payment preferences online.		Self-service portals and borrower dashboards are detailed among product features.
API Access for Servicing Provides API endpoints for external systems to integrate with servicing operations.		API access is a standard integration approach for the product.
Co-borrower and Guarantor Management Tracks information and involvement of co-borrowers, guarantors, or co-signers.		Platform manages co-borrowers, co-signers, and related parties as part of application data model.
Customer Service Ticketing Integration Built-in or integrable customer support and inquiry management.		No information available
Real-time Account Information Provides real-time updates on balances, transactions, and payment status.		Real-time information delivery is provided via dashboards and APIs.

FICO Origination Manager from FICO

Product analysis by function

Credit Risk Management for Risk Management

Data Integration and Management (7 Yes /7 Known /14 Possible features)

Credit Risk Assessment Engines (8 Yes /8 Known /14 Possible features)

Application and Decision Workflow Management (6 Yes /6 Known /14 Possible features)

Credit Limit and Exposure Management (3 Yes /3 Known /14 Possible features)

Portfolio Analytics and Reporting (4 Yes /4 Known /14 Possible features)

Regulatory Compliance and Governance (3 Yes /3 Known /14 Possible features)

Collateral and Security Management (0 Yes /0 Known /14 Possible features)

Early Warning and Monitoring Tools (0 Yes /0 Known /14 Possible features)

User Experience and Accessibility (3 Yes /3 Known /14 Possible features)

Integration and Extensibility (3 Yes /3 Known /14 Possible features)

Security and Fraud Detection (1 Yes /1 Known /14 Possible features)

Implementation and Support Services (0 Yes /0 Known /14 Possible features)

Data Integration and Input (5 Yes /5 Known /10 Possible features)

Credit Risk Modeling and Scoring (6 Yes /6 Known /11 Possible features)

Risk Assessment and Monitoring (0 Yes /0 Known /10 Possible features)

Decisioning and Automation (0 Yes /0 Known /10 Possible features)

Regulatory Compliance and Reporting (0 Yes /0 Known /10 Possible features)

User Access, Security, and Audit (0 Yes /0 Known /10 Possible features)

Integration and Interoperability (0 Yes /0 Known /10 Possible features)

Reporting and Analytics (0 Yes /0 Known /10 Possible features)

Configuration and Customization (0 Yes /0 Known /10 Possible features)

Scalability and Performance (0 Yes /0 Known /10 Possible features)

Customer Experience and Usability (0 Yes /0 Known /10 Possible features)