Apption loan and debt collection optimization is a sophisticated workflow and case management system, with embedded analytics, that provides the front line loan officer all of the information needed when dealing with debtors to maximize loan repayment. Advanced analytics determine the likelihood that the debtor will repay at the current or modified terms, providing the loan officer with the information they need to renegotiate. Interest rate and payment calculations are built in to the system to simplify the negotiation process. Workflow automatically sends exception cases, those with a high likelihood to default, or otherwise avoid payment, to specialists for handling. This system is fully integrated with document management so that a loan officer can see at a glance previous interactions and record comments and case information for future reference.
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