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ECLMS (Enterprise Collateral & Limit Management System) is an end-to-end solution designed to automate the entire lifecycle of collateral management. It helps banks and financial institutions streamline processes, improve operational efficiency, mitigate credit and operational risk, and ensure regulatory compliance. ECLMS also provides real-time updates, seamless integration with existing loan systems, and automation of key tasks like collateral valuation and maintenance, reducing manual intervention and errors.
ECLMS automates manual processes such as onboarding, valuation, inspection, legal verification, and collateral maintenance through workflow-driven approaches. This reduces manual workloads, increases the speed of collateral perfection, and minimizes errors, leading to faster decision-making and loan processing.
Yes, ECLMS is designed to manage complex collateral structures, including multi-bank and consortium arrangements. It supports various ownership structures and handles multiple charges (First Charge, Pari-passu, etc.) with real-time collateral distribution among lenders. The system also dynamically tracks and updates collateral value for shared securities across different exposures.
Absolutely. ECLMS ensures regulatory compliance by automating processes, maintaining a historical record of collateral data, and providing audit trails for all transactions. It minimizes manual intervention, ensuring that all regulatory guidelines are met, and helps institutions avoid compliance risks.
ECLMS offers enterprise-wide, bi-directional integration with loan origination and management systems. It creates a centralized repository of collateral data, allowing for real-time updates, seamless data flow, and easy access to critical financial metrics, such as drawing powers and secure/unsecured classifications.
ECLMS supports a wide range of collateral types, including both tangible (real estate, equipment, inventory) and intangible assets (stocks, bonds, receivables). It also offers multiple valuation models to accurately assess the value of each collateral type and ensure proper risk management.
ECLMS automates key maintenance tasks such as periodic revaluation, inspections, legal checks, and insurance renewals. For immovable properties, the system manages revaluation workflows, while for other types of securities, ECLMS provides automated, real-time valuations. This ensures that all collaterals are up-to-date and compliant with regulatory standards.
Yes, ECLMS automates the collateral perfection process, including charge creation, legal documentation, and charge registration with external agencies like registrars or insurance companies. The system also handles the collateral release process, ensuring that any updates to loan exposure are accurately reflected and compliant with risk management policies.
Absolutely. ECLMS is built on a microservices architecture, making it highly scalable. Whether your institution manages a small portfolio or deals with large-scale consortium arrangements, ECLMS can expand to meet your needs without sacrificing performance.
ECLMS prioritizes data security with advanced encryption protocols, strict user access controls, and detailed audit trails. The system ensures data integrity, preventing unauthorized access or tampering, and guarantees that your institution’s sensitive information is protected at all times.
You can easily request a demo or get more details by filling out the Contact Form on our website. Our team of experts will get in touch with you to schedule a personalized demonstration and answer any specific questions you may have.
