Collateral Management Module

Allocate collateral in an efficient way

The Collateral Module includes efficient identification, management and allocation of different types of collaterals in order to mitigate any risks exposures associated with the lease agreements.
The types of collaterals can be dynamically defined from user side and linked with the asset definition for automated collateral validation on application level, based on the chosen asset.

The collateral value and eligibility is automatically calculated based on current market value with option for dynamic definition of collateral eligibility criteria based on client needs. The integrated operational workflow supports generation of secured deals for the collateral on application level and automated transfer of the collateral agreement later on the lease agreement.

The module manages financed collaterals in which the leased asset serves as a collateral object, and additional collaterals in cases when the asset does not fulfill the collateral requirements and in order to proceed with the lease agreement there is a need for additional asset security. For new assets, the system contains asset value tables excluding additional risk evaluation and with entering current asset value the system automatically generates the repayment plan.

Collaterals can be analyzes in dynamically defined reports including reports for analyzing current market value per collateral and concentration monitoring reports for effective analyses of collateral allocation per region.

Key Features

  • Efficient collateral allocationWith robust operational control you enjoy direct collateral visibility including the extent of lease agreements secured with collaterals and assuring efficient collateral allocation up to the amounts of risk exposure.

  • Collateral OptimizationOptimize the collaterals’ value with efficient and automated collateral transformation from one to another useful form by utilizing integrated mechanisms for reevaluation of inactive collaterals due to agreements’ termination or other reasons considered acceptable.

  • Collateral reportingMaintain your business responsive to new industry and regulatory challenges with reliable and standardized collateral reporting assuring efficient risk management procedures and elimination of the need for manual data management.

clients say
  • "ASPEKT’s leasing system is a very convenient system with automated validations that limit any possibility for manual errors and now my daily operations are highly simplified as I don’t have to worry about making mistakes in calculations or assigning assets that are not available." - Lease Officer / Specialist
  • “Aspekt Leasing Software shows high performance in optimal infrastructure environment and I’m sure the system will be able to scale up without compromising the operational functions.” - System Administrator
  • "Aspekt Leasing Software offers direct performance preview, allowing me to analyze performance results per employee and manage the sales process so that all my employees are maximally effective and fully dedicated to work responsibilities." - Branch Manager
  • “We needed a system that is able to respond to the evolving regulatory environment, changing risk management procedures and addresses the ongoing operational costs with high control efficiency and we are happy to confirm that Aspekt Leasing Software delivers unlimited operational cost and risk benefits through our daily operations." - Risk Manager
  • "The use of Aspekt Leasing Software has greatly improved the process of servicing our customers. We are able to form sales policies that meet their expectations in continuity and deliver on-time and quality support.” - Operations Director
  • “At the end of the month I can conduct full financial review and generate reports for external reporting, as all the transactions are automatically posted and matched, and if there is a need for transactions correction, it can be automatically executed and the changes are presently visible in reports.” - Accounting Officer
  • “We can easily focus on improving the quality of our customer base and analyze the results received from sales when combining offer conditions that will best match the most profitable customer segment and create win-win situation for both parties.” - Operations Director
  • "From the beginning, Aspekt Leasing Software was successfully aligned with our growth strategy and helped us continually increase sales volumes and surpass predefined targets by offering endless flexibility and incorporation of changes." - CEO
  • “Generating invoices with automated operation eliminates the need for manual interventions and gives us more time to concentrate on analyzing financial results.” - Accounting Officer
  • "I’m able to control all internal processes directly from my office by spending minimal time for communication with colleagues and sharing thoughts on any kind of issues that may arise. " - Internal Audit