Loan Management System

STREAMLINING LOAN MANAGEMENT

Introduction

In Ghana’s financial sector, commercial and rural banks face
significant operational challenges when processing client loans.
Existing core banking systems often lack the flexibility to manage
detailed loan approval workflows, leaving banks reliant on manual,
paper-based processes. These delays not only slow down
disbursements but also affect customer satisfaction and
profitability.

At EBITS, we understand the critical need for speed, accuracy, and
transparency in loan processing. Our Loan Management System is
purpose-built to help financial institutions of all sizes digitize,
streamline, and control their loan operations—reducing manual
effort, ensuring accountability through full system logs, and
accelerating turnaround times from application to disbursement.

While our platform seamlessly supports institutions processing
government worker loans through the Controller and Accountant
General’s Department (CAGD), its primary strength lies in empowering banks to manage all loan types more efficiently.

Solution Benefits

Easily Handle Loans for Government Workers Through CAGD

Features

End-to-End Loan Lifecycle Automation

Seamlessly manage the entire loan journey—from application, multi-level review, and approval through disbursement and repayment tracking across all branches—with real-time visibility into loan statuses like running, current, substandard, doubtful, or loss to support proactive risk management.

Multi-Stage Loan Review and Approval Workflows

Automate internal approval stages with built-in workflows that allow for branch-level screening, credit committee evaluation, and final disbursement authorization—replacing manual files and speeding up decisions.

Automated Reconciliation & Exception Management

Ensure accuracy by automatically matching expected repayments with actual payments, while immediately identifying and flagging underpayments, overpayments, and missing transactions to enable swift corrective action.

Bulk Exports and Integration for Government Worker Loans

For institutions offering loans to government workers through CAGD, EBITS supports bulk exports to TPRS, real-time feedback integration, and easy re-exports to minimize delays and errors.

Robust Reporting and Analytics Dashboards

Access a powerful suite of predefined and customizable reports covering loan statuses, loan defaulters, repayment categories, branch performance, and end-of-day summaries. Reports can be exported seamlessly for compliance or management purposes.

Flexible Loan Product Configuration

Define and manage multiple loan products, tailoring interest rates, repayment terms, and eligibility criteria to align with your institution's strategic goals.

Centralized Multi- Branch Control

Provide head office oversight while maintaining operational autonomy at the branch level, ensuring data consistency and smoother collaboration across your entire network.

Role-Based Access Control and Data Security

Protect sensitive information with role based user permissions while maintaining operational efficiency and compliance with internal and external regulations.

Audit-Ready System with Comprehensive Logs

Capture every action and transaction through detailed system logs, simplifying compliance and building a transparent operational environment ready for any audit.

Behavioral Science- Driven Design

Our platform is designed not just for functionality, but for ease-of-use and adoption

Simplicity & Fluency

Intuitive workflows and dashboards ensure staff can process loans, track payments, and generate reports without friction.

Trust & Transparency

Real-time data access, automated reconciliation, and secure logging foster trust within your institution and with regulators.

Control & Empowerment

With role-based access,
your team feels empowered
while ensuring the security
and integrity of your operations.

Operational Impact

Institutions implementing EBITS typically
experience

01

Reduction in Loan Approval Cycle by 50-75% through structured workflows.

02

Cut reconciliation time by up to 80% with automated payment matching.

03

Reduction in deduction and payment errors by over 90%, improving portfolio quality.

04

Improved compliance readiness with automated audit trails and detailed logs.

Expert Business IT Solutions (EBITS)
specializes in developing enterprise
software for all kinds of businesses
and individuals.

STREAMLINING LOAN MANAGEMENT

Introduction

Solution Benefits

Digitize and Automate Loan Processing Workflows

Accelerate Loan Approval and Disbursement Timelines

Simplify Compliance with Audit-Ready Logs

Gain Full Control with Branch-Level and Centralized Oversight