The Challenge

Singapore-based Zenith Capital Group provided commercial loans to small businesses. Their underwriting process relied on manual reviews of credit histories, balance sheets, and company records, causing application processing times to lag and customer drop-offs during review windows.

The Engineering Solution

Webx Horizon deployed our Enterprise Business Process Automation Services:

1. Automated Credit Scoring: We connected secure credit assessment APIs to pull and analyze financial datasets instantly, outputting automated risk scores.

2. Decoupled Document Verification: We built a secure client portal using React, letting users upload tax records and company filings.

3. Asynchronous Cache Layer: Complex underwriting calculations were processed in the background, ensuring that the integration widgets did not delay initial portal load times.

The Results

* Application Turnaround Time: Loan evaluation and underwriting delays were reduced from 5 days to under 10 minutes per application.

* Initial Page Load Speed: The client portal loaded in a fast 0.31 seconds globally.

* Conversion Rate Metrics: Streamlined loan processing helped the group secure a 112% increase in customer satisfaction (CSAT) scores.