Sheet A.01 · Prepared for HFCB Group Plc
Origination is the part everyone automates. The risk lives in the nineteen years that follow — the rate reset, the covenant that quietly fails, the account that slips to SMA-2 before anyone opens the file.
This platform runs the whole span on one spine: assessment, approval, disbursement, covenant testing, early warning and IFRS 9 provisioning, in a single system that already speaks CBK and Basel III.
Sheet B.01 · The span
Each stage below is a working module set, not a roadmap item. The facility carries the same identifier from application through final repayment — no re-keying, no reconciliation between an origination system and a monitoring spreadsheet.
Customer onboarding with KYC and AML screening, sanctions and PEP flags, multi-product application capture, and document tracking that knows what is deferred and what is overdue.
Financial spreading from statements, ratio and gearing analysis, bureau data, AI credit scoring and ESG screening — every input scored against the written policy rather than an underwriter's memory of it.
Delegated authority applied automatically, multi-level approval with SLA clocks and escalation, deviation tracking on every exception, and a drafted credit memo the committee can edit instead of write.
Risk-adjusted pricing at the point of decision. RAROC and capital consumption per deal, portfolio RoRWA, and customer lifetime value — so the margin is a decision, not an outcome discovered at year end.
The nineteen years. Covenants tested on schedule, transaction-level cashflow classification, SMA-1 and SMA-2 classification, and an early warning system that raises the file before it becomes an NPA.
IFRS 9 staging and expected credit loss computed from the same facility record the front office uses, with stress testing, data quality scoring and jurisdiction-specific regulatory returns.
Sheet C.01 · What is built
The platform is deployed and demonstrable today. Every figure below is a count of what exists in the build, not a target.
Sheet D.01 · Regulatory ground
Provisioning, classification and returns are jurisdiction-aware rather than retrofitted. Kenya is configured against CBK prudential guidelines and IFRS 9; the same engine carries the frameworks for every market on the right, which matters on the day HFCB reports across a border.
Each market carries its own currency, regulatory framework
and approval thresholds.
Sheet E.01 · Next step
A ninety-minute walkthrough on your own portfolio shape: one mortgage taken from application through committee, disbursement, a covenant breach and an IFRS 9 restage — in the working system, not slides.