• DE
  • EN

    • Collateral management

    Manage the collateral for your financing agreements centrally and transparently

    Collateral management is one of the central administrative processes for a large number of financing transactions. Business contracts between the financial services provider and the borrower are secured by collateral agreements, consisting of the collateral agreement and the collateral object. Collateral management also has a sales function in the granting of credit lines.

    Within the Credit Management System (CMS), the Collateral Management module offers extensive options for the automated management of collateral via customized processes and optimum support for standard volume transactions.

    Key features of collateral management

    Collateral management - simple and efficient

    • Collateral management
      Management of collateral via the collateral agreement, consisting of the collateral agreement and collateral object;

    • Contract linking
      Linking of the collateral agreement with the financing transaction to be collateralized through a link/integration to/in the contract management system;

    • Object specification
      Specification of the collateral object (tangible assets such as movables, real estate and intangible assets) and connection of third-party systems for the automatic valuation of the collateral;

    • Collateral agreement
      Specification of the collateral agreement, e.g. transfer of ownership by way of security, surety and guarantee;

    • Configuration of fees
      Maintenance of the fees incurred, e.g. administration, storage and retrieval fees for temporary or final collateral withdrawals;

    • Information on partners involved
      Definition of the partners involved, e.g. guarantor, collateral taker, collateral recipient and custodian;

    • Dynamic connection to collateral archives
      Functionalities for the storage, safekeeping and removal of collateral including status tracking and connection to external archive systems as well as for the temporary and final removal of collateral including decision, logging and tracking;

    Further key features of collateral management

    Automation of adjacent processes

    • Automatic valuation of the collateral portfolio
      In standard volume business, it is no longer possible to update the collateral value manually on a regular basis (monthly, quarterly). The direct connection of valuation systems enables the automatic and regular valuation of all collateral.

    • Individual risk strategy
      Withdrawal decisions are made exclusively according to the criteria and rules defined by the financial services provider. This ensures compliance with standardized and centralized guidelines and regulatory requirements.

    • Broad range of collateral
      Collateral management covers a wide range of contractual forms such as pledges, transfers of ownership by way of security, sureties, guarantees, declarations and assignments.

    • Wide range of assets
      Collateral management covers tangible assets such as movables (e.g. motor vehicles, machinery or inventories) and real estate (land, buildings or apartments) as well as intangible assets (e.g. securities positions, building society savings contracts, insurance policies).

    Benefits

    Customization of look & feel

    The reference surfaces can be individually adapted to existing corporate design specifications. This also enables use in the environment of white labeling solutions.

    Online configuration

    All parameters that are relevant for the management or processing of collateral can be entered completely online.

    Professional archiving

    Storage and retrieval can be automated via an integrated archive system.

    Improved competitiveness

    In addition to the direct financing business, Collateral Management also has a sales function for financial service providers in the granting of credit lines.

    High degree of automation

    Collateral management in the CMS is automated and is designed for large quantities, standardized processes and quick decisions.

    Consistent system

    All processes of the entire collateral management life cycle are mapped in an end-to-end system.

    Supplementary solutions in the area of collateral management

    Philipp Oberleitner
    Managing Director Sales & Marketing

    Patrick Scharwenka
    Chief Product Officer

    Dr. Lars Rüsberg
    Sales Manager

    Philipp Oberleitner
    Philipp Oberleitner
    Managing Director Sales & Marketing

    Patrick Scharwenka
    Patrick Scharwenka
    Chief Product Officer

    Dr. Lars Rüsberg
    Dr. Lars Rüsberg
    Sales Manager

    NAVAX Software GmbH will never sell, market or disclose personal information to third parties.
    Case Study

    Maximum flexibility for Honda Bank

    End customers want quick credit decisions. With the Intelligent Decision Automation solution, Honda Bank has implemented a flexible framework for processing all risk-based decisions in order to be able to react faster and more effectively to changing customer and regulatory requirements in the future.

    Find out how Honda Bank benefits from the solution in this case study.

    To the case study
    Case Study

    Success story of abcfinance GmbH: Successful with HENRI

    Our solution: HENRI for Leasing.

    • Time and cost savings through a fully integrated solution,
    • Web portal for the integration of partners and brokers,
    • Use of a single software for all core leasing processes.

    Read about the challenges faced by abcfinance, the solution and the collaboration between NAVAX and abcfinance in this user report.

    To the case study
    Case Study

    New savings bank solution for modern Retail Finance

    As regional market leaders, savings banks must constantly defend their share of the consumer credit business. For Ostsächsische Sparkasse Dresden 's business, it was important to be able to respond more quickly to requests and process them smoothly - with seamless processes for all parties involved and many years of experience in integrating OSPlus into the existing IT landscape. Together with NAVAX, it has created a new type of solution for Retail Finance at the point of sale, which gives it a clear market advantage locally and generates attractive revenues. The application is also available to other savings banks as an out-of-the-box solution.

    Read this informative field report.

    To the case study
    Case Study

    TARGOBANK Autobank creates process efficiency with TABEA 2.0

    Since its market launch in 2015, TARGOBANK Autobank has quickly established itself as a highly competitive automotive bank in a highly competitive market. Since then, it has used the CMS Credit Management System to manage sales and Wholesale finance processes in a fully integrated, web-based and modular system - end-to-end. Changing customer behavior and increasing demands on user experience also mean that systems in use in Purchasing and Retail Finance have to be constantly adapted. A modernization of the solution was also on the agenda at TARGOBANK Autobank.

    Read the case study.

    To the case study
    Whitepaper

    Equipment Finance: investment financing at the next level with a state-of-the-art end-to-end IT solution

    Investment financing is a cornerstone of competitiveness for manufacturers in many industries. With Equipment Finance from NAVAX, you can fully digitize all financing processes - for goods of any kind. The solution paves the way to Retail Finance - as an end-to-end solution that can be integrated into your existing IT landscape or via modular business services, depending on your needs.

    Read this white paper to find out how you can benefit from this.

    To the whitepaper
    Case Study

    Building society savings: Process analysis in preparation for a system introduction

    Securing the future in terms of competitiveness requires efficient, modern processes and optimal system support. The consultants from NAVAX analyzed and optimized the business processes of an international building society for more user-friendliness, efficiency and compliance.

    To the case study
    Case Study

    Leading automotive bank: automation in the area of lending and leasing

    No project without a business case, no investment without a sound basis for decision-making. This is why a leading automotive bank relied on the experts from NAVAX. As part of a consulting project, the specific process steps and workflows in lending and leasing were examined and evaluated with regard to optimization potential.

    Read the case study of the leading automotive bank.

    To the case study
    Solution Paper

    Expert know-how for future-proof solutions

    Together with experienced consultants from NAVAX, you can ensure that your strategies and processes are geared towards future challenges. We not only deliver position papers, but also support you in the identification, direction finding and concretization of the fields of action as well as their implementation.

    You can find more information on the process, methods and benefits of our consulting services in this solution paper.

    To the solution paper