Credit Agricole Bank Polska S.A. is a universal bank operating in retail banking, consumer finance, agricultural banking, SME banking and corporate banking. It is part of the international Crédit Agricole Group, one of the world’s ten largest banking groups by total assets, operating in 46 countries and serving more than 54 million customers.
Cooperation
The cooperation between Credit Agricole Bank Polska and yarrl S.A. involves the development of solutions supporting lending processes across various areas of the Bank’s operations. One of the first projects was the implementation of a system supporting guarantee programmes offered by Bank Gospodarstwa Krajowego (BGK) and preferential loans provided in cooperation with the Agency for Restructuring and Modernisation of Agriculture (ARMA).
The next stage involved the development of a dedicated solution supporting the servicing of corporate clients.
The Challenge
The Bank required a system that would support corporate financing processes, credit limit management and the automated preparation of documents required in credit processes related to these limits.
The Bank was looking for a solution that would increase the transparency of ongoing activities, improve the flow of information between the teams involved in the credit process and reduce the time spent on administrative tasks.
Given the specific nature of the products and services offered to corporate clients, another important requirement was the ability to quickly adapt the solution to changing business needs, product specifications and the individual requirements of clients.
The Solution
A solution supporting the management of corporate clients’ credit limits was implemented on the Meltemee low-code platform, formerly known as CasePro.
The system verifies compliance with the conditions for granting credit limits, supports the management of collateral and covenants associated with those limits, and checks the completeness of the required documentation.
It coordinates the flow of cases between participants in the credit process, automatically assigns tasks and provides access to up-to-date information required for making credit decisions. Built-in document generation mechanisms enable documentation to be prepared automatically based on data stored in the system and configurable templates.
The solution was subsequently expanded to include corporate client monitoring capabilities, including an early warning system that supports the identification of signals that may affect credit risk levels.
The solution is complemented by a reporting and analytics module that enables the Bank to monitor process execution, the timeliness of activities and the quality of case handling. It also supports the periodic transfer of required information to other systems used by the Bank.
The solution is fed with client data from other internal Bank systems as well as external systems.
Business Benefits
The Bank implemented a solution that provides comprehensive control and monitoring of activities while maintaining a flexible and individual approach to corporate clients.
The system has reduced the time and workload required to manage the credit limit granting process by introducing controlled workflows between the teams involved, automating the preparation and generation of documents, and enabling the monitoring of cases, processing times, and the completion and completeness of tasks.
Project Sponsor’s Testimonial
“In corporate banking, efficient cooperation between multiple teams, rapid access to information and the ability to adapt processes to changing business and regulatory requirements are particularly important.
The solution implemented on the Meltemee platform has enabled us to structure and automate a key credit process, increase the transparency of our activities and create a solid foundation for the further development of our corporate client services.”
Maciej Zatorski
Director of the Corporate Banking Products Division
Credit Agricole Bank Polska S.A.
