Real Estate Credit - Integrated Management Solution

All the applications needed for efficient portfolio management.

The main instrument for promoting the economic development of any nation, the credit market is vital to a country's economy. Credit alone does not guarantee the growth of the economy, but it is the great fuel to stimulate consumption, the level of production of companies and, in this way, the increase in the production of goods and services.

We can get a better idea of the importance of the credit market precisely at a critical time like the one we are experiencing, a pandemic, when one of the greatest effects of the economic crisis is becoming evident: the reduction in the circulation of money. This reduction causes consumption to fall and companies to produce less, generating unemployment and, consequently, a drop in per capita income. As a result, one of the main actions to respond to the crisis is to increase credit on the market.

Among the various types of credit available, real estate credit has a major impact on the economic development of countries. Although in Brazil, housing investment per inhabitant is still quite low, this market is constantly growing.

The coronavirus pandemic has hampered the launch of many units in certain regions of the country, but the demand for new properties already launched and used properties has increased, and the expectation of a return to normal life and a downward trend in interest rates in the market have a significant impact on this figure. This is evidenced by the data released by Abecip - the Association of Real Estate Credit and Savings Entities: "Real estate financing with funds from the Brazilian Savings and Loan System (SBPE) accounts reached R$ 10.82 billion in July 2020, an increase of 16.7% over the previous month and a 61.5% increase compared to the same month last year. It was the second best result for a July in the post-Real historical series." "In the 12 months to date (August 2019 to July 2020), SBPE housing loans totaled R$92.45 billion, up 36.8% on the previous 12 months."

Due to its complexity and the fact that it is a long-term product, it is necessary to operate safely in this segment:

  • Solid support through specialized software tools and experienced advisory services throughout the process. Some of the biggest challenges in the Real Estate Credit segment are the need to integrate this operation with other management systems and bank legacies;
  • In-depth and specific experience of Brazil's complex regulatory legislation, which covers long periods with many changes over time; Contracts can be more than 40 years long and go through various phases of the Brazilian economy. Retaining talent with this knowledge for an experienced team is crucial, as it is not a task that can be learned easily or in a short period of time;
  • It is extremely important to use robust and flexible systems. A good software solution for managing mortgage portfolios should allow for the customization and parameterization of the flows, variables and indicators of the entire process, thus making it possible to cater for the various products offered by financial institutions, such as the financing of property on the ground, home equity, among others;
  • An integrated management solution that caters for both individual and corporate loans and provides complete operational, accounting, management and regulatory support for all aspects of managing loan and financing portfolios, from origination to final settlement.

With the closure and restrictions on bank branches following the trend towards remote working, demand is growing for products with "self-service" functionalities for the end user, using responsive and intuitive technology, especially in the mobile environment.

Modeling through UX - User Experience - technology provides a better and more dynamic user experience. In the registration process, "software robots" can be used to collect information, for example, to search for a negative certificate for the future borrower, in an automated way, based on the CPF document already provided, thus reducing bureaucracy and the time needed to grant the loan. All this, taking into account the necessary authorizations from users to comply with the general data protection law.

Also in relation to this delicate moment in history, with all the impact of the economic crisis on people's lives, the flexibility of financial institutions is fundamental. Home ownership is often the only asset these customers have, and considering that many people are experiencing serious financial difficulties at this time, offering products such as a grace period for starting payments, renegotiating installments, portability and refinancing of the property (home equity) are decisive in meeting the demands of the population.

An efficient system for managing real estate loan portfolios must have a complete user service process, from the start of the loan origination process with the possibility of simulating, sending documents and following them up, to managing the contract that is actually signed after the loan has been released, by controlling the registration of transactions with approved loans at the notary's office, through a structured "onboarding" service that allows collections to be followed up and offers flexibility for renegotiation when necessary. All of this is automated and supports the entire processing flow for this type of business. It is important to emphasize the importance of managing the documents associated with the process at each stage, with the possibility of attaching and managing images and related information in your database.

Another point we can highlight is the control of construction financing for construction companies and legal entities. The system must allow for the parameterization of the information that makes up the report and the studies carried out, as well as managing all the stages of the process, such as controlling the signing and registration of the contract, making it possible to monitor the work schedule and measurements, and consolidating information on the credit analysis, feasibility study and operation proposal. It is essential that the system provides complete support for the process of financial release and construction installments, a very critical and error-sensitive process, as well as support for the process of disconnecting guarantees and final transfer of the property with a consolidated position of the disconnection request and the data analyzed.

In associative processes/transfers on site, in order to control operations, the system needs to support individualized control of the units financed by the Financial Agent while still in the construction phase, keeping its economic and financial controls separate from the work in progress, but in operational harmony with the physical and financial schedule contracted for the project in which it is a participant.

With regard to receivables management, a subject of extreme relevance and a major challenge in the Real Estate Credit area, a robust system needs to control receipts from the units sold by the builder during the construction phase, working with return files derived from bank collection systems on the market, making it possible to monitor the financial flows of the project according to the needs of the financier for the release of financial installments for the work, as well as recording the buyers' payment histories, which are necessary when the transfers are made. Creditools is a solution provided by Montreal that integrates all the applications needed for efficient portfolio management. Provided in SaaS mode - Software as a Service (cloud) - the solution offers various possibilities for parameterizing modules and process flows according to the client's needs, as well as having high availability resources with fast and secure web access.

O Creditools é uma solução disponibilizada pela Montreal que integra todas essas aplicações necessárias para uma gestão de carteira de forma eficiente. Disponibilizada na modalidade SaaS – Software as a Service (cloud) -, a solução oferece diversas possibilidades de parametrização dos módulos e fluxos de processos de acordo com as necessidades do cliente, além de possuir recursos de alta disponibilidade com acesso web rápido e seguro.

Its main objective is to control the routines inherent in financing real estate through the Housing Finance System (SFH), the Real Estate Finance System (SFI) and the Mortgage system, with any funding resource (FGTS, savings, among others). Its management is responsible for various services in the segment, such as consultancy and personalized development, customization and optimization of modules, components and application flows, implementation of pre-existing credit portfolios or those being created, provision of credit origination services, management of existing real estate portfolios (BPO - Business Process Outsourcing), as well as user training services for full use of the solution.

Montreal BPO has been immersed in the real estate credit industry since 2010, and our operation now has commercial specialists, lawyers and engineers, all of whom have certifications from their organizations and also from ABECIP, providing much greater security. and professionalism to our processes, providing our clients with the best results year after year.

We are involved in 100% of the process: from the "Welcome" to the assembly of the client's portfolio, including commercial service, analysis and validation of engineering reports, credit origination, issuance and implementation of the contract, release of funds to the sellers and management of registration with the CRIs, as well as all post-contract portfolio management (renegotiation of payment flows, extraordinary amortizations, issuance of discharge terms, among other services).

We have the privilege of being part of a strong technology group that has the best resources and solutions to transform the BPO into a modern and efficient service provider, and our wide range of services allows us to act in a decentralized and flexible way, without leaving control and security aside.

We parameterize the project according to the client's needs and the applicable legislation, always attentive to the changes and particularities of financial legislation in Brazil, which is complex and constantly changing, but, present for over thirty years in the real estate credit sector, Montreal transforms experience into a guarantee of agility, security and trust for companies and organizations that take care of the country's future.

We understand that financing real estate means supporting the construction of a nation's assets.So you can count on us to boost your company's mortgage business even further.

Montreal, the present future.



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