Loan Sales Platform for SMEs: Automating and Accelerating Credit Decisions

Our client, a major European bank, set out to automate and optimize loan processing for small and medium-sized enterprises (SMEs). We developed a Loan Sales Platform that replaced manual workflows and Excel-based calculations with an automated, rule-driven system — significantly reducing loan processing time, improving accuracy, and enhancing the customer experience.

Technologies

Keycloak Managed Service, BPMS, Business Rules Engine (BRE), Angular, OpenShift, Nuxeo Platform, Enterprise Architect Plugins

Duration

12 months

Laptop displaying digital loan service website with modern abstract background

Client

A large international bank offering services across personal banking, credit, loans, leasing, investment, and insurance, with a strong presence throughout Europe. Recognized as one of the most innovative and digitally advanced banks in the region, the institution continuously modernizes its systems to improve efficiency, reduce operational costs, and deliver exceptional service across web and mobile platforms.

Challenge

The SME loan department faced low process efficiency and limited visibility due to multiple manual steps across departments:

  • Application handling involved several systems and manual verifications.
  • Creditworthiness calculations were performed in Excel spreadsheets.
  • Employees lacked a unified view of loan status or processing time at each stage.

The bank’s goal was to shorten the loan approval time, automate repetitive tasks, and increase throughput while maintaining regulatory and data integrity.

10

Team members

12 months

Project timeline

Project journey

To meet these objectives, we built a comprehensive Loan Sales Platform that centralized and automated the end-to-end loan process.

Key steps included:

  • Implementing BPMS technology to orchestrate the entire loan workflow in a single environment.
  • Integrating a Business Rules Engine (BRE) for automatic creditworthiness calculation, repayment schedule generation, and personalized document lists.
  • Designing a unified portal for business advisors using Angular and Responsive Web Design for a consistent user experience across devices.
  • Using Single Page Application (SPA) architecture for faster, dynamic data updates without page reloads.
  • Employing DevOps and Agile methodologies to ensure iterative delivery, efficient collaboration, and continuous deployment.
  • Deploying the platform on Red Hat OpenShift for scalability and hybrid cloud flexibility.
  • Integrating Keycloak for secure authentication and Nuxeo for document management.

The platform now validates data completeness, sets decision paths automatically, and generates all required documents and forms directly from the application — replacing manual calculations and email-based submissions.

Results

  • Reduced loan application processing time through automation and process standardization.
  • Improved accuracy and compliance with configurable, rule-based creditworthiness calculations.
  • Enhanced advisor and customer experience via responsive, user-friendly web interface.
  • Increased operational efficiency and scalability with DevOps and hybrid cloud deployment.

See how we streamlined SME loan processing for one of Europe’s most innovative banks

Discover how digital automation, rule-driven decisioning, and cloud-native architecture reduced processing times and improved operational visibility.

Discuss your project
  • Business agreement representing client onboarding after Keycloak scaling success
  • Development team scaling Keycloak for enterprise-level user authentication