NFS Ascent – Loan Origination System


A highly agile, easy-to-use, web-based application – also accessible through mobile devices – Ascent’s Loan Origination System (LOS) delivers an intuitive user experience, with features that enable rapid data capture. Information captured at the point of sale can be made available to anyone in your organization at any point in the lifecycle of each transaction. The solution accommodates unlimited user-defined financial product and scoring models, greatly reducing the time required for credit application processing and decision-making.


Web-based application
Intuitive user experience
Highly flexible workflow management
Unlimited user-defined financial products
Customizable scoring models
Automated decision-making


Greater responsiveness
Higher customer engagement
Rapid credit evaluation
Scalable at any level
Higher system throughput
Greater number of users


With its flexible configuration – scalable at any level – and high system throughput, you can add more system users to your network and process more applications than ever before. You can configure templates for commonly used or unique financial products, enabling greater responsiveness and higher customer engagement. With the application’s exceptionally flexible design, you can easily make changes to your business processes and user workflows rather than requesting customization.
Rapidly assess the merit of credit applicants. Change business rules, add approval levels and adjust reporting requirements according to your needs. Leverage the power of the system’s flexibility to handle any level of workflow, from small user groups with limited requirements to large enterprises with complex hierarchies and approval cycles. Move swiftly from point-of-sale calculations through quotations and proposals, credit scoring and in-depth credit analysis with fewer clicks. Automatic decision-making gives your sales team more power to accelerate new business while proactively managing risk.

Key Components

Loan calculator

Enhance customer engagement

Easily compare payment schedules

Advanced menu selling

Customized packages based on customers

Ideal for cross-selling/upselling

Enhance customer engagement with a feature-rich loan calculator. Sales representatives can show customers comparisons of payment schedules based on different financial products. Robust functionality includes a user-friendly menu of selling options based on customer exposure, asset criteria and other data stored. It is also ideal for upselling and cross-selling strategies


Easy creation & comparison of multiple quotations

Seasonal/promotional finance programs updated in real time

Capture, conversion and transmission of applicant information electronically

Easily create multiple quotations for customers based upon various financing products being offered to show them options. Seasonal or promotional finance programs are updated in real time and information can be made available to users based on the finance company’s parameters.


Easy conversion from quote to a proposal

Rapid applicant information capture

Convert a quote into a proposal or create a fresh proposal capturing mandatory information required to assess the credit worthiness of the applicant.

Exposure (Business Partner Exposure)

“One-click load” to quickly retrieve customer exposure information

Save data input time & expedite decision-making

Full customer exposure – from financial information to credit agency status and blacklist alerts – can be a “one-click load,” saving data input time and expediting decision-making.

Credit Scoring (Scorecards Creation & Integration)

Highly configurable credit scoring engine

Intelligent decisioning automation

User defined parameters

Integration with credit rating agencies & other data providers

Credit scoring is highly configurable through our Business Rules Engine, enabling unlimited user-defined scoring models. When a credit application is received, it is automatically run through a credit scoring engine that intelligently selects the appropriate scorecards based on defined parameters.

NFS Ascent – Contract Management System


Ascent’s Contract Management System (CMS) is a powerful, highly agile, functionally rich application for managing and maintaining detailed credit contracts throughout their lifecycle – from pre-activation and activation through customer management, asset financial management, billing and collections, finance and accounting, restructuring and maturity.


Flexible service based architecture
Powerful Business Process Designer
Comprehensive contract management
Wide range of global standards compliance


Map directly onto business needs
Virtually unlimited scalability
Complex business operations simplified
Enhanced security and accuracy of portfolios


Equipped with accounting, tax and other standard regulatory and compliance requirements – spanning a wide-range of global standards – Ascent CMS simplifies even the most complex business operations in world markets. Powerful tools maintain the security and accuracy of your lease and loan portfolios while enabling seamless transactions with multiple business partners and virtually unlimited scalability to accommodate business growth. Based on flexible, service-based architecture, the solution is powered by Ascent’s all-new Business Process Designer engine. Configure it directly to map specific business needs and manage critical stages of the contract lifecycle.

Key Components

Contract Activation and Management

Manage origination through to activation

Powerful asset management

Document tracking

Track repayment plans and schedules

Manage the entire contract creation process until the contract is activated and collect loan payments from customers against their receivables. Leverage a range of functions for powerful and granular asset management, including the ability to easily assemble related assets and business partners with any given contract; keeping a record of business rules to track documents needed; displaying repayment plans, amortization schedules, and disbursements; and keeping track of all contract calculations and finance-related information throughout the lifecycle

Customer Management

Real-time contract modification

360 degree customer view

Rapid response to customer inquiries electronically

Enhanced customer service with mobile & web portal access

Modify contracts in real time without the need for rebooking. Get a 360 degree view of each customer, including complete audit history – empowering your representatives with the knowledge they need for optimum customer service. Use an intuitive interface to search record details and rapidly respond to customer questions and requests. Enhance customer service through mobile and our web portal. Your customers can look into their contract financials and profile information while also logging tickets for financial and nonfinancial modifications


Complete receipt management

Automatic routing to relevant teams

Comprehensive audit trail

Manage all payment receipts against different modes of payments to identify delinquencies, automate collection activities and support repossession, remarketing, early termination and litigation. Leverage the power of the Dynamic Workflow Manager engine to route delinquency cases to appropriate collections at each site of the collection lifecycle – with a comprehensive audit trail that supports thorough risk management.

Asset Remarketing

End-to-end asset remarketing

Provisions for asset valuation, inspection and advertising

Support for capturing bid details, obtaining approvals and final sale

Manage the asset remarketing process from asset valuation , inspection , advertising, capturing bid details, bid approval to the final sale of the asset

Asset Inventory Register

Complete maintenance of assets in the register

Easy attachment to contracts, to be sold or disposed

Maintain the asset in the register with their status, information and financial details ready to be attached to a contract , to be sold or disposed off

Asset Re-Lease

Comprehensive asset re-lease functionality

Full support for repossession, termination and maturity

Manage the re-lease of the asset as it comes off the contract through repossession, termination and maturity.

Finance & Accounting

Manual/automatic transaction handling

Configurable parameters supporting multiple standards

Customizable report tools

Real-time report generation

Handle complete contract transactions either manually or automatically. Manage portfolio and contract specific bad debt provisioning , depreciation schedules, duties and taxes throughout the lifecycle. Configurable accounting parameters support multiple treatments under the IFRS and Local GAAP in combination with customizable reports tool to generate reports in real time.


Powerful closure management tools

Support for early termination/payout and remarketing/repossession

Calculation of settlement amounts, rebates/clawbacks

Manage the varied scenarios that lead to contract closure, from early termination and early payout to flat cancellation, normal settlement, and remarketing or repossession decisions. Calculate settlement amounts, including rebates and clawbacks, and customize financial parameters for extension periods.

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NFS Ascent Brochure

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