A new Intelligence in automation.
QUANTUM leverages our patent pending CESM model for instant, accurate and reliance financial spread- designed to enhance the efficiency and productivity of the wholesale financial spreading function. QUANTUM reads the financial statements provided by clients, automatically interprets it, and delivers an analysis report.
This application automatically handles critical functions such as trend analysis, critical ratios analysis, industry benchmarking, and peer group comparison, which are required for the overall credit decision. It also supports various accounting standards, such as the International Financial Reporting Standards (IFRS), US-GAAP, and other local GAAPs. QUANTUM helps financial institutions save millions of man-hours and allows a significant reduction in the time and resources required for successful credit reviews
Multi lingual AI spread model
Our patent pending CESM advanced AI algorithm allows automated extraction and adjustments of corporate financials
Formatted pitch book
Quantum will auto-generate a sales pitchbook that will contain answered questions from the borrower’s side about the company performance, operations, and reported financials insights
Covenants and Triggers
Custom or standard triggers for financial metrics breaches can be set for a particular borrower/ portfolio. Additionally workflow features support monitoring and reporting
Audit trail & Version control
Allows auditability to underlying formulas and financials within documents when extracted through CESM; and additionally, supports data lineage from data vendors
Customizable spread templates
Templates are configured through Excel, which can also define the positions in the statements, including nested hierarchies/ subaccounts
Projections & Stress test
Run either customized scenarios or leverage our out of box scenario analysis templates and functionalities, and save multiple scenarios such as Base case, Management case and Best case
Quantum provides a standard workflow which is easily configurable to the organization’s needs, thus integrating the review/approval (e.g. 4-eyes principle), audits, and productivity metrics.
Data vendor integrations
Lorem Open API architecture allows easy integration with data providers such as S&P, Reuters etc. or with internal client PD models and/or loan systems
Quantum Value Proposition
Increase # of clients per spreading analyst by 90% within 12 months
Get same accounting adjustment every time and reduce variabilities. Return for rework can reduced by 75%
Lower turnaround time per spread by almost 80%
Increase Client Experience
Faster loan decisioning , and instant spreading/ PD evaluations increase client satisfaction by a much as 60%