20
experience solutions results The market leading solution which enables financial institutions to control, optimise and grow their commercial lending business. The efficiency engine for Commercial Lending Misys Loan IQ

Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

  • Upload
    others

  • View
    2

  • Download
    0

Embed Size (px)

Citation preview

Page 1: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

experiencesolutions

results

The market leading solution which enablesfinancial institutions to control, optimise andgrow their commercial lending business.

The efficiency engine forCommercial Lending

Misys Loan IQ

Page 2: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

02

Seamless coverage and feature-richfunctionality is provided by Misys Loan IQat every stage of the loan lifecycle – fromorigination to syndication to trading tosettlement. All Misys Loan IQ modules arefully integrated, resulting in a uniquestraight through processing solution fromfront to back office.

Misys Loan IQ helps your organisationcontrol and expand its commerciallending business by delivering moreaccurate and available data, streamlinedworkflows, and reduced operational risksand costs. Misys Loan IQ clients haveoptimised existing operations throughsystems consolidation and headcountreduction. Our solution has enabledclients to enter new growth areas of thecommercial lending market with theconfidence that their system will be ableto handle their new requirements.

Misys Loan IQ is supported by a fullrange of professional services to helpyou maximise your investment. Ourglobal deployment record is unmatchedin the industry, and we offer clients theflexibility to implement Misys Loan IQ asan in-house installation or as a managedhosted solution.

The potential is limitless. The payoff isclear.

With more than 20 years as an industry leader, MisysLoan IQ has a proven track record of success. Today,our world class solution is used to process morethan 1/3 of the world’s syndicated loans and morethan 1/2 of the world’s loan trades. With multi-currency, multi-branch capabilities, industry leadingworkflows and robust functionality, Misys Loan IQ isdesigned to maximise your organisation’s business,today and in the future.

Misys Loan IQ

The efficiency engine forCommercial Lending

Page 3: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

03

Misys Loan IQ works with the top financialinstitutions and commercial lendingstandards bodies to ensure that oursolution best meets client demands. Weintegrate with best-of-breed systemsvendors to provide robust coverage atevery stage of the loan lifecycle.

We are committed to developing andinvesting in Misys Loan IQ to ensure thatit continues to be a world class solution. Wehave extended Misys Loan IQ’s historic backoffice strengths to the front office to provideour customers with a truly integrated straightthrough processing solution.

Complementing our new front officefunctionality, Misys Loan IQ can also beintegrated with any front office originationsolution, whether it is another vendor’ssolution or an in-house solution. We offerflexible APIs to streamline the integrationprocess backed by years of experienceworking with the industry’s leadingsolutions providers.

Misys Loan IQ leverages20+ years of commerciallending and softwareexpertise to deliver asuperior solution for everystage of the loan lifecycle.

Misys Loan IQ Highlights

+ Fully integrated solution with truestraight through processingcapabilities

+ Comprehensive coverage forbilateral loans and highly structuredsyndicated deals

+ Single multi-entity, multi-currencyglobal platform with real-timeinformation available 24/7

+ Proven scalable technology+ Delivered via a managed hostedsolution or as an in-houseinstallation

+ Support for double byte languages(Japanese, Korean and Chinese)

Misys Loan IQ Functionality

+ Origination+ Syndication (Deal Management,Book-running, DocumentDistribution)

+ Agency Servicing+ Loan Trading+ Accounting+ Portfolio Management+ Loan Administration+ Collateral Management+ Treasury+ Total Return Swaps+ Export Credit+ Reporting

Misys Loan IQ

Page 4: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Feature-rich

Page 5: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

05

Our robust solution is designed tominimise risk, maximise efficiencies andstreamline processes, communication andworkflow within the bank group. To meetthe demands of today’s complex market,the Misys Loan IQ Agency Servicingmodule scales to support many hundredsof lenders in any given deal. Moreover, itis designed with the ability toaccommodate complex portfolios that areconstantly changing as a result ofsecondary trading.

Agency servicing

Effective management of large, complexmulti-lender dealsThe Misys Loan IQ Agency Servicingmodule efficiently manages therelationships, processes anddocumentation required to servicesyndicated loans. It delivers improvedprocess automation, increased accuracyof vital information and an enhanced userexperience for heightened productivity,greater timeliness and reduced errors.

Agency Servicing functionality

+ Scalability for hundreds of lenders+ Dynamic amendment and restructuringcapability

+ Salability protection+ Automated management of interest and feeaccruals

+ Intelligent governance of drawdowns+ Comprehensive management of principal,interest and fee payments

+ Automated notifications+ Standard fax server interoperability+ Support for emerging FpML data standard foragency notifications

Misys Loan IQ provides advanced functionalityand robust coverage to seamlessly integrate allactivities during the loan lifecycle.

Lender Shares

Page 6: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Misys Loan IQ Trading highlights

+ Front-to-back, straight through processing forloan trades on a single database

+ Robust functionality to support the mostsophisticated loan trading demands

+ On-demand customisable reporting and tools toanalyse company-wide trading performanceand profitability

Functionality at a glance

+ Multi-currency, multi-branch capable+ Real-time position and P&L monitoring+ Mark-to-market and trade date P&L+ Customisable trade history viewing+ Document generation, including LSTA and LMAconfirmations, assignment agreements andtransfer certificates

+ On-demand flexible reporting+ Full mark-to-market functionality+ Assignments & participations+ Funding memos+ Delayed compensation

Trading

Full straight through processing for loantradesMisys Loan IQ provides superiormanagement of all of your loan tradingactivities from front to back office. Astrades need to be keyed into the systemonly once and the underlying assetserviced only once, your organisationbenefits from enhanced data integrity,streamlined workflows and loweredoperational risk.

Misys Loan IQ enables traders to quicklyaccess up-to-the-minute P&L andposition information. Our solutioncaptures back office transactions whichaffects a trader’s portfolio (e.g.commitment reductions, interest and feeaccruals) and updates the trader’s viewin real-time. The trader is able to view allchanges which affect his portfolio for theentire loan lifecycle.

Misys Loan IQ is multi-currency, multi-branch capable, and can seamlesslymanage the most complex types oftrades worldwide from a single platform.Our comprehensive, scalable solutionprovides your organisation with anaccurate, comprehensive view of riskand performance across trading desks,enabling you to better understand yourcompany-wide performance.

06

Front OfficePosition and P&L Monitoring

Trade Entry

Mark to Market

••

••

••

Middle Office

Back Office

Trade Confirmation Generationand Tracking

Trade Settlement

Commitment Changes

Interest & Fee Accruals

Unrealised & Realised P&L

Transfer Certificate & AssignmentAgreement Generation

Full Integration of Loan Trading Activities

Page 7: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

07

Misys Loan Coordinator

The Complete Syndication SolutionMisys Loan Coordinator delivers superiormanagement for syndicated lending dealsby providing a single platform for book-running, document distribution and dealmanagement. Our solution enables abank’s syndications desk to easilyaccess information (investor interest, dealoutcome probabilities and contact details)to structure better, faster and moreprofitable deals.

Misys Loan Coordinator allows allauthorised syndicate members to accessdeal-related information, anywhere andanytime. As all information is hosted on asingle online site, correspondence delays,errors and manual processes areminimised, thereby improvingcommunication and workflow amongst thesyndicate.

When utilised with Misys Loan IQ, MisysLoan Coordinator is the only solution todayto provide front-to-back straight throughprocessing for syndicated loans.

Misys delivers the only truestraight through processingsyndicated lending solutionin the industry today.

Misys Loan Coordinator highlights

+ One-stop-shop for managing communication,information sharing and workflow amongstsyndicate members

+ Book-running, deal management anddocument distribution capabilities on a singleglobal platform

+ Enhanced visibility of dealflow from originationto closing. Real-time deal information isavailable 24/7 on a secure online site

+ Robust analytics tools to track investorappetite

+ Minimised operational risk due to less relianceon faxes, emails and paper documentation

+ SaaS (Software as a Service) delivery forquicker implementation

+ Multi-tranche, multi-branch, multi-currencycapable

+ Scalability to support many hundreds oflenders

Misys Loan Coordinator

Page 8: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

08

Accounting

Enhanced financial and audit controlMisys Loan IQ’s accounting modulecombines online accounting with real-time debits and credits functionality for asolution unmatched in the industry.

Misys Loan IQ allows you to managelender shares and portfolio positionsacross multiple entities, reducing theneed for double entry and unnecessaryreconciliation. The system also quicklyand accurately conducts end-of-dayreconciliation between the sub-ledgersand general ledger. Wheneverdifferences are found, Misys Loan IQautomatically identifies the issues andreports them to the responsibleindividual, thereby saving yourorganisation valuable time andminimising exposure.

Misys Loan IQ is multi-currency andmulti-GAAP capable, enabling institutionsto more accurately manage and quantifythe FX risk associated with multi-currency,non-home currency transactions.

Clients are instantly notified if the systemencounters an exception, therebyminimising backlogs in error reportingand increasing the accuracy of entriesposted to the general ledger.

The result is an accounting solution thateliminates duplicate efforts, enhancesthe end user experience and maximisesyour organisation’s overall financial andaudit control.

IAS 39 Compliance

International Accounting Standard (IAS) 39requires that banks and other financialinstitutions disclose information about theirfinancial assets and liabilities.

Misys Loan IQ is invaluable in helping yourinstitution achieve IAS reporting compliance.

Misys Loan IQ provides your organisation withthe ability to book loan assets and account forthem using a variety of accounting methods,including cost, lower cost or market (LOCOM) ormark to market (MTM).

Misys Loan IQ also provides a powerful tool tohelp your institution comply with the EffectiveYield Amortization requirements for upfront andevent fees.

Full Accounting Sub-ledger

Page 9: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

09

Managed Hosting

Delivering Misys Loan IQ withcontrolled costsMisys Loan IQ’s managed hostingservices provides your institution with thefull technological infrastructure andpersonnel required to operate, maintainand upgrade your solution. Managedhosting clients bypass potentially lengthyin-house installation and avoid significanthardware and database purchases,thereby benefiting from a quicker,smoother implementation.

Misys has been delivering mission-critical,managed hosted solutions since 1994with more than 1 billion transactionsprocessed per year. We service morethan 850 clients worldwide, including theleading banks, fund managers andcorporations.

Each Misys Loan IQ managed hostingclient has its own dedicated database inwhich all information is fully segregatedand secured. To ensure the strictest levelof control, Misys provides a 24 x 7monitored data environment with ageographically separate disaster recoveryfacility.

Unlike other systems providers whooutsource services to 3rd party vendors,Misys provides and manages all aspectsof the hosted environment. This enablesus to reduce your costs and minimiseyour exposure to 3rd party vendorliabilities while providing your organisationwith a single point of contact.

It’s the same market leading Misys Loan IQsolution – just delivered via a quicker, andmore cost-effective method.

Managed Hosting highlights

+ Proven global solution+ Complete turnkey solution, including systeminstallation and maintenance

+ Quicker, more cost-effective implementation+ Predictable costs and minimised operationalrisks

+ Maximum security and control of data withgeographically separate disaster recoveryfacility

Page 10: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Proven

Page 11: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

global solution

Page 12: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Integrated with the core Misys Loan IQsystem, the Total Return Swaps moduleenables your organisation to seamlesslybring your additional business lines ontoa single global loan managementplatform.

12

Total Return SwapsThe Misys Loan IQ Total Return Swapsmodule has been developed specificallyto address the many different challengesof servicing loan swap trades.

The Total Return Swaps moduleautomates a wide variety of keyprocesses across the lifecycle of a swap.Its single touch processing ensures thatall loan transactions automaticallyupdate the loan and all correspondingswap positions. This eliminatesduplicate effort, errors and delays due tore-keying of data as well as greatlyspeeds up the swaps servicing process.

Portfolio ManagementIn today’s highly regulated and tightenedrisk management environment, financialinstitutions may be required to value theirportfolios in a number of ways. MisysLoan IQ’s versatile design permits themanagement of multiple portfolios andoffers many views of the same portfolio,enabling your organisation to accuratelyaccount for company-wide risk.

Misys Loan IQ allows you to mergetogether data from multiple asset classeswithin many different systems, andconsolidate this information onto a singlecomprehensive portfolio managementtool. Our solution seamlessly interfacesthe data between our client’s proprietaryrisk system and the portfolio informationheld within Misys Loan IQ.

Export CreditThe Misys Loan IQ Export Credit module isthe most sophisticated tool available tomanage a portfolio insured by an ExportCredit Agency (ECA). Our comprehensive,reliable solution ensures that all partiesinvolved in the transaction – the borrower,lender, ECA, exporter and financialinstitutions – have their exposures andcashflows accurately captured, trackedand managed.

Providing coverage for activities fromcash collateral and notification of latepayments to the management of unpaidamounts and interest, Misys Loan IQhelps your organisation meet the exactdemands of the Export Credit Agency.

Swaps

Advanced, feature-rich modules areseamlessly integrated with the coreMisys Loan IQ processing system.

Page 13: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

13

DataNet elements, terminology and datafields are consistent with those withinMisys Loan IQ. Clients can generatereports using a pre-defined menu of datafields. This standardised frameworkdelivers more reliable, data rich andconsistent reports to meet all of thedifferent requirements within yourorganisation.

DataNet

Real-time flexible reporting forMisys Loan IQDataNet addresses all of your MisysLoan IQ reporting requirements byproviding a customisable easy-to-useplatform to efficiently create reportswhich provide full visibility into yourcompany’s performance. DataNet putsreporting control directly into your handswithout your organisation spendingvaluable time and resources to developa costly in-house reporting engine.

DataNet’s intuitive and user-friendlyinterface makes it easy for yourorganisation to create tailored reportswhich detail the specific drilldowninformation you need – anywhere,anytime.

DataNet highlights

+ Improved reporting consistencyand accuracy

+ Real-time direct access to information storedwithin the Misys Loan IQ database

+ Enhanced display options with capability toview data graphically or in tabular format – allof which can be customised

+ Pre-packaged report templates for quick andeasy generation of frequently used reportsand queries

DataNet benefits

+ Minimises time consuming and costly in-housedevelopment

+ Reports can be deployed globally, in multipleformats, in multiple languages

+ Easy-to-use front end allows clients toefficiently access critical business information

DataNet

Page 14: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Bilateral Lending

High volume automated processing forbilateral lendingSimplified user interface. Streamlineddata entry. Highly automatedprocessing. These are the key conceptsaround which Misys Loan IQ wasdesigned to optimise your organisation’sbilateral lending business.

Industry standard Misys Loan IQworkflows enable clients to streamlinebilateral loan processing activities whilesimultaneously handling a greaternumber of transactions. Clients canfocus on their core business with theassurance that their system will be ableto handle the processing demands ofbilateral lending.

Whether your business involves highlycomplex loans or high volume loans, youneed a system that can effectivelymanage your entire loan portfolio.Companies who use Misys Loan IQ forboth bilateral and syndicated lendingactivities gain invaluable straight throughprocessing benefits in the form of fasterprocessing, automation and improveddata accuracy and availability.

Bilateral Lending highlights

Wizards: Providing streamlined data entry tomaximise efficiency+ Wizards for Customer, Deal, Facility and Loansetup

+ Easily customisable by clients to have specificfields and specific default values in fields

+ Once data is saved it can be quickly approvedand closed

Streamlined user interface for high volumebusiness+ Simplified Customer Notebook to quicklycapture the information required for bilateralloans

+ Reusable product templates for fast, easy datacapture and set-up

Loan servicing+ Various types of amortisation schedules+ Scheduled rate changes for fixed rate loans+ Complex pricing+ Interest rate caps and floors+ Split-tiered interest pricing+ Based on date matrices, amounts and user-defined conditions

+ Payment in Kind (PIK)+ IAS 39

+ Enhanced fee processing, including matrixpricing, pre-payment penalty and other one-time and ongoing fees

+ Escrow functionality for real estate taxes andinsurance

+ 1098 / 1099 tax and IRS reporting+ Comprehensive budget tracking+ Lockbox payment matching

Loan Wizard

14

Page 15: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Misys Eagleye for Loan IQ

Monitor, control, complyMisys Loan IQ clients can ensure thatthey minimise their risk through real-timemonitoring of trading limits, credit limits oractivities by branch, customer, or product.

Our system allows clients to easilydevise and maintain monitoring criteriaand define rules. With proactivemanagement of exceptions andimmediate alerts of any discrepancy,Misys Eagleye for Loan IQ ensures thatpotential issues are identified andresolved as early as possible.

Misys Eagleye for Loan IQ consolidatesmonitoring, automates manual tasks andreduces financial institutions’ reliance onspreadsheets. Because the systemautomatically flags breaches andexceptions in real-time, this minimisesyour organisation’s time, effort, expenseand potential errors due to manualchecking. In addition, the details ofeach individual breach can be accessedthrough drill-down screens for easyanalysis of the issues.

Misys Eagleye for Loan IQ highlights

+ Helps address compliance issuesin today’s highly regulated environment

+ Monitoring by breach and exception+ Real-time notification sent via emails, text anddesktop alerts

+ Consolidated monitoring across a variety ofsystems and asset classes

+ Reduces delays / errors due to using manualspreadsheets

Real-time notification of breaches sent via emails, text and desktop alerts

Misys Eagleye for Loan IQallows clients to effortlesslydevise and maintainmonitoring criteria specificto their operational and riskmanagement needs.

15

Page 16: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Highly responsive

Page 17: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Professional Services

+ Optimisation Services+ Health Check / SLA Optimisation+ Performance Monitoring / Remote CapacityManagement

+ Performance Tuning & Client Benchmarking+ Disaster Recovery+ System Maintenance

+ Misys Academy+ Education Strategy+ Misys Learning Suite+ Certification+ E-learning Solutions

Professional Services

Consulting, support and trainingMisys’ comprehensive professionalservices help you to quickly maximiseyour return on your Loan IQ investment.Our dedicated team offers unparalleledexperience and deep product knowledgeto help your organisation best utilise thesystem to meet your specific needs. Weare committed to helping you realize thevalue of your investment as soon aspossible, and our global deploymentrecord is unmatched in the industry.

Misys provides a state-of-the-art educationprogram ‘Misys Academy’ to help you trainyour employees on how to best use LoanIQ. We are focused on providing an end-to-end education strategy for clients aimedat improving organisational performance.Misys Academy is built on best practicesmethodologies and best-of-breed toolsdeveloped over years of educating clients.

To help you maximise your system’sperformance, we also offer acomprehensive package of optimisationservices, including health checks,performance monitoring and systemmaintenance.

Misys Loan IQ is supported by a full array ofprofessional services, including training,optimisation and health check services, toenable you to customise your solution andmaximise your investment.

Misys is committed todeveloping a highly responsivelong-term partnership with ourcustomers.

17

Page 18: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

Misys Loan IQ seamlessly works with bothIBM’s DB2 or Oracle’s EnterpriseDatabase. Capitalising on theirfunctionality, real-time backups, high-availability capabilities and databaseclustering are easily deployed solutionsfor the Misys Loan IQ database.

Misys Loan IQ’s modular design lets youcustomise your functionality according toyour organisation’s operational andbudgetary requirements, and all of thesystem's modules are fully integrated on asingle database. Our open architectureallows for easy integration with moneytransfer systems, email and faxingsoftware, and other well establishedenterprise systems.

Technology

ArchitectureMisys Loan IQ is a n-tier global enterprisesystem comprised of three expandabletiers: the client, the application server, andthe database. Misys Loan IQ’s rich clientis built with convenience, efficiency andperformance in mind. Organised intoworkbooks, each functional aspect of thesolution is managed with workflows andevents to prompt and guide the end user.

The application server is designed fromthe ground up for performance andexpandability. With out-of-the-boxfunctionality such as weighted round-robin load-balancing, fault tolerance, workqueues to offload client transactions tothe server, and an XML based APIprocess, Misys Loan IQ applicationservers can easily become one of themost mature and dependable touch-points in your enterprise.

World class technology.Infinite scalability.Maximum security.These are the keyconcepts which driveour technology strategy.

18

Page 19: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

ScalabilityBuilt to expand its application tierindefinitely, Misys Loan IQ is the premiersystem to manage the largest and mostcomplex tasks. Able to easily hostthousands of simultaneous users inmultiple global locations who servicecomplex deals in many currencies,Misys Loan IQ is proven to handlesophisticated lending requirements,even during peak volume times suchas quarter and year end.

Misys Loan IQ is dynamically able totake advantage of extra-database CPUhorsepower, add application servers to ahot environment, off-load end users’longest running transactions, and runacross a wide area network (WAN) overa modem with no additional remotedesktop solution. All of thesecapabilities combine to makeMisys Loan IQ the leading solutionin the industry today.

SecurityEvery part of Misys Loan IQ’sfunctionality and database is built tomaximise security and accountability.Audit is not merely an addition but ratheran integral part of the entire solution’sfunctionality. Every database table notescreations and updates. Every transactionis secured by the user’s rights, and alldata is filtered by the user’s permissions-- making deployments to data securecountries such as Switzerland orSingapore a non-issue.

The ‘double-key’ concept (two differentusers are needed) is employed forimportant transactions such as usercreations, and a ‘division of labor’separates administrative tasks fromoperational ones. Security reports,password rules, histories, and dictionariesare all bundled into a robust securityadministration module.

The system encrypts transactions fromclient to the sever. Various cryptosystemsare pluggable, including RSA Security,which utilises the award winning,patented, RSA BSAFE library.

IntegrationMisys Loan IQ provides variousmechanisms for integration with externalsystems, including a robust XML-basedAPI engine, de-normalised interfacedatabase tables, and a complete java-based interface IDE: the Misys MeridianIntegration Toolkit. The toolkit is a user-friendly, flexible integration developmenttool that makes an interface easy todevelop as well as to manage.

Clients may build their own interfaces inany programming language orenvironment they choose, or they canengage Misys integration specialists tobuild interfaces according to their specificneeds.

Misys has strategically built interfacesbetween Loan IQ and various industrystandard applications, which are availableto our clients. These interfaces includeSWIFT, IntraLinks™, Trade SettlementInc™, and various market leading faxservers.

Misys Loan IQ’s rich client isbuilt to drive convenience,efficiency and performance.

19

Page 20: Misys Loan IQ The efficiency engine for Commercial Lendings3.amazonaws.com/zanran_storage/misys.com/ContentPages/2509880617.pdfexperience solutions results Themarketleadingsolutionwhichenables

For further information onMisys solutions, [email protected] visit: www.misys.com

'Misys' is a trade mark of Misys Plc, a mark registered in variouscountries worldwide. Loan IQ is a trade mark of Misys InternationalBanking Systems Limited and/or Misys group companies. All otherproduct and company names may be trade marks of theirrespective owners.

Copyright © 2008 Misys Services Limited. All rights reserved.

Misys Services Limited is a member of the Misys group ofcompanies.

Registered in England, No. 01941076 Registered Office:One Kingdom Street, Paddington, London W2 6BL.