To lend confidently, you need more than an application—you need the full financial picture. That means understanding a borrower’s total credit exposure across your entire portfolio, from past obligations to current liabilities.
Symphonix gives institutions clear, real-time insight into borrower credit exposure at every stage of the loan origination process. Whether it’s a new application or a refinancing request, decision-makers have immediate access to existing liabilities across multiple products and business units.
Credit exposure in Symphonix refers to the total outstanding loan and lease amounts tied to a specific lending party or party group. The system tracks this across all active and pending contracts within the platform—providing:
Total exposure amounts during application review
Real-time summaries of existing contracts and obligations
Visibility into related party exposure, including guarantors and linked entities
This data is automatically drawn from servicing records and historical origination inputs, enabling seamless analysis without the need for manual research or off-platform reports.
Credit exposure is surfaced directly within the application review screen, so credit officers and analysts can assess risk instantly. For example:
A borrower applying for a $250,000 equipment loan is already linked to two outstanding contracts totaling $600,000. The system displays this exposure immediately—enabling smarter risk decisions.
Exposure can be grouped by organizational hierarchy, legal relationships, or custom party structures—ensuring that no connection is overlooked.
As we move deeper into the era of Digital Lending 2.0, the ability to make decisions based on complete, real-time data is a competitive differentiator. Embedded credit exposure tracking supports:
More accurate credit risk assessments
Greater speed and confidence in decision-making
Reduced risk of overextension or oversight
In Symphonix, exposure isn’t a feature—it’s part of the DNA of intelligent credit evaluation.
Every lending operation is different. That’s why Symphonix lets you configure how exposure is grouped, calculated, and displayed—based on:
Contract types (loan vs. lease)
Product categories
Party relationship logic
Stage of application or approval process
This ensures you see the right data, in the right format, at the right time.
With credit exposure woven directly into the loan origination process, Symphonix empowers lenders to evaluate risk in real time—before a single decision is made.
Digital Lending 2.0 with Symphonix is proactive lending, driven by complete data from the start.