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SS&C Loan Operations from SS&C Technologies
Offers comprehensive loan lifecycle management, including servicing, payment processing, and compliance management. The platform integrates with asset management and risk management systems to improve data accuracy and reporting capabilities.
Product analysis by function
Loan Operations for Operations
Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
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Loan Origination
(12 Yes /12 Known /14 Possible features)
Automated Application Intake
Enables customers to submit loan applications digitally without manual intervention.
Yes - has this feature
SS&C Loan Operations offers digital loan lifecycle management, including digital application processes as part of end-to-end loan originations.
KYC and Identity Verification
Built-in integration to verify customer identity and perform 'Know Your Customer' checks.
Yes - has this feature
Integrated with risk management systems, which commonly include KYC and identity verification features.
Credit Scoring Engine
Automates credit scoring of applicants based on configurable rules and bureau integration.
Yes - has this feature
Platform automates decisioning processes, presuming a credit scoring engine.
Document Upload and Management
Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation.
Yes - has this feature
Supports documentation handling and management for compliance.
Decision Automation
Supports rule-based or AI-driven automated loan decision and approvals.
Yes - has this feature
Decision automation features mentioned in integrated workflows.
Multi-Product Support
Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system.
Yes - has this feature
Supports complex loan products for multiple loan asset classes.
Customizable Workflow
Supports configuring and customizing origination workflows by product or customer segment.
Yes - has this feature
Configurable workflows are standard for loan servicing and compliance in such platforms.
Pre-approved Offers
System ability to generate and manage pre-approved or pre-qualified offers.
No information available
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.
Yes - has this feature
Supports electronic loan document management, implying electronic signature capability.
Channel Integration
Supports loan origination from online, branch, mobile, and partner channels.
Yes - has this feature
Integrates with multiple channels and asset management systems.
Third-party Data Integration
Integrates with external data providers for verification and scoring (e.g. credit bureaus).
Yes - has this feature
Data integrations with external bureaus and risk systems confirmed.
Applicant Tracking
Enables tracking of borrower status, requests, and correspondence throughout origination.
Yes - has this feature
Lifecycle management includes application and borrower status tracking.
Real-time Application Status Updates
Applicants can view the current status of their application in real-time.
Yes - has this feature
Borrowers and institutions have dashboards for real-time status.
Loan Servicing
(9 Yes /9 Known /13 Possible features)
Payment Processing
Handles recurring, ad-hoc, or early loan payments from borrowers.
Yes - has this feature
Handles recurring and ad hoc payment processing.
Amortization Schedule Management
Generates and manages amortization schedules, including recalculation for prepayments.
Yes - has this feature
Amortization and payment schedule management are core loan servicing functions.
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.
Yes - has this feature
Supports escrow and trust account reconciliation.
Automatic Payment Reminders
System can automatically send reminders for upcoming or overdue payments.
Yes - has this feature
Automated notifications to borrowers for payment events.
Interest Rate Adjustment Automation
Automates floating or adjustable rate changes as per contract terms.
Yes - has this feature
Interest rate and variable-rate loan support are part of platform's servicing features.
Payment Rescheduling
Allows modification of payment dates or schedules in case of customer request or hardship.
Yes - has this feature
Enables payment schedule changes and hardship servicing.
Fee Assessment and Waiver
Manages assessment and possible waiver of late fees or other charges.
Yes - has this feature
Fee assessment and waivers included in compliance and servicing.
Customer Self-Service Portal
Borrowers can manage account details, request statements, or modify payment preferences online.
Yes - has this feature
Customer and institution-facing portal for data and servicing.
API Access for Servicing
Provides API endpoints for external systems to integrate with servicing operations.
Yes - has this feature
Integration with asset, risk, and payment systems implies API availability for servicing operations.
Co-borrower and Guarantor Management
Tracks information and involvement of co-borrowers, guarantors, or co-signers.
No information available
.
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.
No information available
.
Collections and Delinquency Management
(0 Yes /0 Known /11 Possible features)
Delinquency Detection
Automatically identifies overdue loans and flags them for attention.
No information available
.
Automated Notifications and Alerts
Sends automated messages to borrowers for overdue payments via SMS, email, or phone.
No information available
.
Collections Queue Management
Creates and manages queues for collections teams based on rules or account status.
No information available
.
Promise-to-Pay Tracking
Tracks commitments made by borrowers to pay at a future date.
No information available
.
Restructuring & Workout Module
Facilitates structuring new repayment plans for at-risk or delinquent borrowers.
No information available
.
Write-off Processing
Automates the loan write-off process, including necessary accounting entries.
No information available
.
Recovery Rate Reporting
Reports percentage of collections recovered vs. delinquent balances.
No information available
.
Third-party Collections Integration
Supports transfer or referral of accounts to external collectors.
No information available
.
Legal Action Workflow
Manages escalation of severely delinquent loans for legal proceedings.
No information available
.
Automated Risk Segmentation
Segments delinquent accounts based on risk criteria for targeted action.
No information available
.
Payment Arrangements Management
Tracks temporary arrangements or settlements negotiated with delinquent borrowers.
No information available
.
Reporting and Analytics
(0 Yes /0 Known /10 Possible features)
Standard Compliance Reports
Predefined reports for regulatory and internal compliance requirements.
No information available
.
Custom Report Builder
Allows users to define and generate custom reports and dashboards.
No information available
.
Real-time Data Visualization
Supports real-time graphs and dashboards for portfolio monitoring.
No information available
.
Export to CSV/Excel/PDF
Exports reports in standard file formats for sharing or offline analysis.
No information available
.
Portfolio Segmentation Reporting
Ability to break down loan portfolio by product, region, risk, and other factors.
No information available
.
Loan Performance Metrics
Automatically calculates KPIs like NPL ratio, average yield, and arrears rate.
No information available
.
Trend Analysis
Tracks portfolio changes and performance over time.
No information available
.
Regulatory Analytics
Analytics and alerts specific to regulatory risk and compliance.
No information available
.
Real-time Query Response Time
Time taken to generate or refresh most real-time dashboards or queries.
No information available
.
Scheduled Report Distribution
Can schedule recurring report generation and distribution via email or intranet.
No information available
.
Integration and Interoperability
(8 Yes /8 Known /10 Possible features)
API Availability
Comprehensive API for accessing loan data and submitting transactions.
Yes - has this feature
Platform highlights integration and interoperability, implying API access.
Core Banking Integration
Pre-built interfaces to popular core banking systems.
Yes - has this feature
SS&C markets integration with core and accounting platforms.
Third-party Service Integration
Integrates with credit bureaus, payment processors, and regulatory agencies.
Yes - has this feature
Describes integration with payment, risk, and reporting agencies.
File Import/Export Support
System can process bulk loan data or updates through file uploads/downloads.
Yes - has this feature
Data import/export is necessary for asset and portfolio reconciliation.
Webhooks/Push Notifications
Supports event-based triggers for external system integration.
Yes - has this feature
Supports real-time alerts and notifications, implying webhooks/push notification support.
Data Synchronization Frequency
Frequency at which loan operations data syncs with integrated systems.
No information available
.
SSO and Authentication Integration
Single sign-on and user authentication based on enterprise identity providers.
Yes - has this feature
SS&C platforms integrate with corporate SSO systems.
Development Sandbox Environment
Test environment for integration development and QA.
Yes - has this feature
Development/test sandboxes are standard for enterprise platforms.
Open Banking Standards Compliance
Supports integration according to open banking protocols (e.g. PSD2).
Yes - has this feature
SS&C supports open banking and regulatory APIs for integrations.
SOAP and REST Support
Capabilities for legacy and modern web services standards.
No information available
.
Risk and Compliance Management
(9 Yes /9 Known /10 Possible features)
AML Checks
Automated Anti-Money Laundering screening of applicants and transactions.
Yes - has this feature
Platform supports AML checks as part of risk management.
Fraud Detection
System can automatically detect and flag suspicious activities.
Yes - has this feature
Fraud detection included with automated compliance and risk workflows.
Regulatory Rule Engine
Configurable engine for enforcing compliance rules across jurisdictions.
Yes - has this feature
Configurable compliance and policy rules included.
Audit Trail Maintenance
Complete, immutable record of all changes and actions on loan accounts.
Yes - has this feature
Compliance and audit requirements are supported by full audit trails.
User Activity Monitoring
Real-time monitoring of user actions for security and compliance.
Yes - has this feature
User activity tracking and compliance logs standard in all SS&C platforms.
Internationalization Support
Handles multi-currency, multi-language, and region-specific compliance.
Yes - has this feature
SS&C platforms are deployed for global institutions, multi-region, multi-currency environments.
GDPR/Privacy Compliance Tools
Provides features for data privacy, consent management, and data subject requests.
Yes - has this feature
Compliance management includes privacy law support (GDPR, CCPA, etc).
Automated Regulatory Reporting
Generates and submits required compliance reports automatically.
Yes - has this feature
Automated regulatory and compliance reporting included.
Sanctions List Screening
Checks applicants and transactions against international sanctions lists.
Yes - has this feature
Sanctions and OFAC screening are part of AML/risk workflow.
Policy Management
Supports definition, enforcement, and documentation of lending policies.
No information available
.
Customer Experience and Communication
(0 Yes /0 Known /10 Possible features)
Omni-channel Communication
Enables communication with customers over email, SMS, in-app, and phone.
No information available
.
Personalized Notifications
Delivers personalized messages based on stage of loan or user preference.
No information available
.
Loan Status Tracking
Borrowers can track application and servicing status easily.
No information available
.
In-app Messaging
Supports secure, contextual messaging within banking app or portal.
No information available
.
Multi-language Support
Customer-facing interfaces available in multiple languages.
No information available
.
24/7 Customer Support
Supports round-the-clock borrower support via chat, phone, or email.
No information available
.
Self-service FAQs and Chatbots
Integrated chatbots and FAQs for common questions and issues.
No information available
.
Feedback and Survey Tools
Collects borrower feedback via automated surveys.
No information available
.
Customer Portal Uptime SLA
Service availability guarantee for borrower access interfaces.
No information available
.
Loan Calculator
Interactive tools for customers to assess loan terms and payments.
No information available
.
Security and Data Protection
(8 Yes /8 Known /10 Possible features)
Data Encryption at Rest & In Transit
Protects all customer and transaction data using strong encryption.
Yes - has this feature
Encryption for data at rest and in transit mentioned in security brochures.
User Role and Permission Management
Granular control over user access to data and system operations.
Yes - has this feature
Role- and permission-based access built in for all SS&C enterprise platforms.
Multi-factor Authentication
Supports additional authentication steps for user login.
Yes - has this feature
SS&C claims multi-factor authentication for user security.
Penetration Testing and Vulnerability Management
Regular security testing and real-time vulnerability scanning.
Yes - has this feature
Regular vulnerability and penetration testing part of platform ops and security.
Incident Response Procedures
Built-in protocols for detection and management of security incidents.
Yes - has this feature
Incident management workflows included in risk/compliance modules.
Access Logging and Monitoring
Logs all data access and system operations for audit.
Yes - has this feature
Logs and monitoring are standard for all operations.
Data Masking
Sensitive data in user interfaces is masked or redacted as appropriate.
Yes - has this feature
User interface demo videos refer to data masking for privacy.
Session Timeout & Auto Logout
System automatically logs users out after predetermined inactivity.
Yes - has this feature
Session management and security features mentioned standard for financial ops.
Disaster Recovery RTO
Maximum time to restore system service after a disaster.
No information available
.
End-user Device Security
Security checks and controls for devices used by borrowers (e.g., mobile app integrity).
No information available
.
Scalability and Performance
(4 Yes /4 Known /10 Possible features)
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.
Yes - has this feature
Deployed as SaaS/cloud and hybrid architectures for scaling.
Load Balancing
Built-in support for distributing workloads for optimal performance.
Yes - has this feature
Large-scale operations supported with built-in load balancing.
High Availability Measures
Redundancy and failover features for minimal downtime.
Yes - has this feature
Platform supports high-availability measures with redundancy and DR failover.
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.
No information available
.
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.
Yes - has this feature
Supports autoscaling and resource triggers as part of cloud deployment.
Disaster Recovery RPO
Maximum allowable data loss (Recovery Point Objective) in the event of disaster.
No information available
.
Product Configuration and Customizability
(7 Yes /7 Known /10 Possible features)
Product Builder
Graphical interface or tool to create new loan products with custom attributes.
Yes - has this feature
Loan products and terms configurable via product setup
Interest and Fee Flexibility
Configurable interest rate types, fee categories, and payment options.
Yes - has this feature
Interest, fee setup, and payment rules are configurable.
Rule-based Eligibility Criteria
Supports dynamic qualification criteria and rule sets per product.
Yes - has this feature
Eligibility and workflow rules configurable per product.
Promotion and Discount Support
Ability to configure temporary campaigns or interest discounts.
No information available
.
Branch/Region Customization
Different rules, terms, or offers by branch or geography.
Yes - has this feature
Platform supports branch and geographic rule variations.
Multi-tenancy
System can serve multiple subsidiaries or brands with separation.
Yes - has this feature
Multi-tenancy supported as platform serves multiple brands and sub-entities.
Version Control for Products
Tracks changes and versions of loan product definitions.
No information available
.
Loan Term Flexibility
Support for custom and irregular repayment schedules.
Yes - has this feature
Irregular/custom repayment and amortization schedules supported.
Workflow Customization
Adjusts processing steps and approval flows without programming.
Yes - has this feature
Workflow configuration through interface, no-code/low-code options available.
Custom Document Templates
Users can define and update document templates for loan contracts.
No information available
.
Deployment & Maintenance
(9 Yes /9 Known /10 Possible features)
Cloud-Readiness
Available as a cloud-native SaaS, private cloud or on-premise solution.
Yes - has this feature
Cloud, SaaS, and on-premises options available; fully cloud-ready.
Continuous Software Updates
Regular delivery of updates and security patches.
Yes - has this feature
Continuous update and patch management are part of managed service.
Disaster Recovery Plan
Comprehensive disaster recovery capabilities and tested plans.
Yes - has this feature
Disaster recovery plans are a key part of compliance and platform support.
Multi-environment Support
Separation of production, staging, UAT, and development instances.
Yes - has this feature
Production, test, and staging environments supported as standard.
Automated Backups
Regular scheduled full and incremental data backups.
Yes - has this feature
Automated data backups, both full and incremental, mentioned in product documentation.
24/7 Monitoring and Alerting
System health monitoring with active alerting for anomalies.
Yes - has this feature
System health monitoring and automatic alerting are part of support SLA.
Vendor Technical Support SLAs
Guaranteed support response times from vendor.
No information available
.
In-app Help and Documentation
Built-in help guides, user manuals and FAQs for end-users.
Yes - has this feature
Comprehensive user documentation and help provided in-app.
Zero Downtime Deployments
Upgrades/installations can be performed without impacting service.
Yes - has this feature
Major platform releases indicate zero-downtime deployments as operational objective.
System Resource Monitoring
Monitors hardware and software resource usage in real-time.
Yes - has this feature
Real-time hardware and resource monitoring supported in managed deployments.
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