Rayterton Loan Origination System (LOS) Platform

Rayterton Enterprise Loan Origination System (LOS) is a comprehensive end-to-end platform, purpose built for large commercial banks to seamlessly manage the entire financing lifecycle in a fully digital, controlled, and regulatory compliant manner from loan application through to fund disbursement.

Why Enterprise LOS?

In an environment demanding transparency, speed, and regulatory compliance, banks require more than a credit processing system. Enterprise LOS empowers banks to proactively manage risk, improve business conversion, and provide complete visibility to management across the lending portfolio.

Executive LOS Dashboard

A single, integrated control tower empowers bank management to seamlessly oversee the entire credit pipeline across Retail, Small and Medium Enterprises (SME), and Corporate segments in real time, ensuring visibility, efficiency, and strategic control

Key advantages

Realtime loan pipeline visibility
Approval rate and turnaround time (TAT)
Risk exposure snapshot
Service Level Agreement (SLA) and bottleneck monitoring

Digital Loan Application & Origination

A consistent, fast, and paperless digital loan application experience across all channels.

Key advantages

Single digital application form
Paperless document upload
Realtime application status tracking
Unified workflow for Retail, SME, and Corporate

Intelligent Credit Assessment & Scoring

A policy driven credit decision engine that ensures consistency, transparency, and auditability.

Key advantages

Configurable credit scoring models
Policy based automated decisions
Manual override with mandatory justification
Risk grading and recommendation engine

Multi-Level Approval & Credit Committee

Enterprise grade credit approval workflows with strict authorization controls.

Key advantages

Configurable approval hierarchy
Credit committee decision support
Parallel and serial approval flows
Complete approval audit trail

Digital Documentation & Contract Management

Automated generation and management of legal credit documents to accelerate processing and minimize operational risk.

Key advantages

Autogenerated legal documents
Product based document templates
Digital signature ready
Centralized document repository

Controlled Loan Disbursement

Loan disbursement with full compliance control and a clear audit trail.

Key advantages

Pre disbursement compliance checklist
Controlled disbursement execution
Audit ready transaction logging
Core banking integration ready

Monitoring, SLA & Regulatory Reporting

Operational visibility and regulatory compliance consolidated into a single platform.

Key advantages

End-to-end SLA monitoring
Pipeline and aging analysis
Management and regulatory reporting
Data driven performance insights

Configurable Product, Policy & Workflow Engine

A future ready LOS that evolves with the bank's business strategy without vendor dependency.

Key advantages

Configurable loan product setup
Credit policy and risk parameter management
Approval matrix and workflow configuration
Integration ready architecture

Ready to fully customize LOS System to your needs

Share your lending operating structure, credit policies, and origination pain points. Rayterton will deliver a Loan Origination System (LOS) tailored to your end-to-end credit lifecycle—ensuring standardized origination workflows, accurate borrower and exposure data, and real-time management dashboards that provide full visibility and control from application to disbursement.

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+62 812 9615 0369

marketing@rayterton.com