Fabrici Management Consulting extended the branch solution with an automated restructuring process for consumer loans that are past due, under which the 365.bank, based on internal rules and risk‑management decisions, offered clients new loan conditions. The system automatically prepares contract documentation with the new loan parameters, ready for assignment under the agreed terms and conditions.
As part of extending the branch solution, we designed and implemented an automated process for restructuring consumer loans that are past due. Based on predefined internal criteria and risk‑management rules, the system supports the design of new repayment terms and loan parameters for clients whose restructuring has been approved by the bank. Once the restructuring scenario is approved, the system automatically generates contract documentation with the new loan conditions, in line with the bank’s internal policies and regulatory requirements. This significantly reduces manual workload, shortens the time needed to prepare restructuring agreements, and creates a transparent, controlled framework for handling problematic loans for both the branch network and risk management.