Credit designer

"The credit designer" is the service which is built in in internet- bank Sberbank Business Online which allows corporate clients based on the offer preapproved by bank to design own credit product with necessary parameters.

Process of a design of the credit takes place in the online designer in three steps:

• The first step — the choice of a credit product and its parameters within the conditions which are previously approved by bank: credit amounts, term of return, repayment schedule, order of the conclusion of the loan agreement and so on.
• Step of the second — confirmation of conditions. At this stage the user gets acquainted with all information on a rate, covenants, providing, mezzanine boards and the commissions.
• The third step — execution of the request in electronic form.

Service allows clients not to waste time for search of the suitable offer, selection of conditions and execution of papers. That the request came for consideration to bank, it is only necessary to select necessary parameters of a credit product (at the same time the rate will be calculated dynamically) and to send automatically created commitment form.

Service has a simple interface with the minimum number of fields for the choice or filling and hints for users.

2018: Creation and start

The Corus Consulting CIS company (enters into group of Sberbank) in January, 2018 announced creation of an online service "The credit designer" whose start Sberbank announced on January 15.

"The credit designer" is the service which is built in Sberbank Business Online Internet bank. It is intended for clients representatives of medium and large business, includes three different services and three additional modes of corporate crediting. Terms for crediting can be changed, being limited only to the value of a limit and the maximum credit period.

Process of receiving the credit consists of three steps. On the finish the client will need to study the credit documentation in electronic form, to sign it and, at last, to receive money.

The preapproved offer modern certain time during which it is possible to return to the saved data.

As noted, implementation of this service by Sberbank is the next step to completely automated credit process for corporate clients which allows to facilitate significantly interaction with bank.