Retail, Business & Digital Banking
Improve customer journeys, servicing, channel operations, workflow, controls and the technology supporting everyday banking.
Banking
Lending, Credit & Client Lifecycle
Improve origination, credit and servicing across the client lifecycle.
Overview
What this means for your business.
Lending and client operations connect the initial relationship with information gathering, credit decisions, documentation and ongoing service.
Capmark helps banks improve onboarding, KYC, credit workflows, approvals and servicing across teams and systems.
We connect business rules and decision responsibilities with data, controls and platform requirements, supporting a more consistent customer and client experience.
What we do
The expertise we bring.
We redesign onboarding and KYC so checks run in parallel where appropriate, risk tiers are clear and customers or clients have a single accountable owner.
We redesign credit workflows from application and assessment through approval, documentation and handover. Decision rights, data requirements and control points are defined clearly.
We improve the client, account, counterparty and instruction data the lifecycle depends on. Better data at the start reduces downstream breaks, rework and reporting issues.
We build controls into the process: approvals, segregation of duties, document checks, exceptions and evidence. Controls operate as part of the workflow rather than as manual review after the fact.
We support lending, CRM, workflow and client-lifecycle platform change through requirements, design, testing, migration, go-live and adoption.
What to expect
A team shaped around the work.
A Principal leads from day one. The first weeks establish cycle times, queue ageing, rework, data defects, approval delays and control gaps.
We then redesign the target lifecycle with business, credit, operations, compliance and technology leaders, and support delivery through implementation.
Engagements range from current-state review to full client-lifecycle operating-model delivery.
Engagements range from a single-portfolio diagnostic to a full onboarding and credit operating model.
01
Assess
Establish the current state, the constraints, the risks and the value at stake.
02
Define
Shape the target model and the business case with the executives who own the outcome.
03
Mobilise
Stand up the team, the plan and the governance around the outcome.
04
Implement
Design, build and test the change, with the business alongside.
05
Sustain
Cutover, hypercare and handover, so the business runs it under its own control.
The same five stages on every engagement, led by senior practitioners end to end. How we work
Insights
Related perspectives.
Get in touch
Talk to a Partner about Lending, Credit & Client Lifecycle.
Tell us what needs to change and where the pressure or risk is showing.