Mortgage e-closing - full cycle collateral management

Connected with auto valuation interface for customer acquisition before loan

Connected with GoFiner auto valuation interface to allow for user's DIY appraisal of house price, tap user information, and guide user through loan application process

Real-time monitoring of business distribution data

Business distribution rules are monitored at branch end to prevent overvaluation and compliance risk

Foreground distribution

Distribution rules are customable at branch end. Round-robin, random and user-defined rules are supported

Middleground vetting

Vetting is performed at branch end. Management persons may reverse basic information when necessary

Background monitoring

Regional business is monitored at branch end.

Qualified organizations authorized for online operation

Appraisers carry out job online at the end of appraisal, facilitating central management of the organizations.

Collateral data standardization

Collateral data are detailed to the degree that a unique number is assigned to each building and room, laying basis for subsequent collateral management.

Periodical collateral value monitoring

Monthly batch updating of present value of collateral to realize real-time risk prevention

Collateral stress test

According to simulated market change and big real estate data, run test for change of collateral risk