C.O.D.E.
Collateral Online Data Entry
Capture, validate and manage collateral records online — structured data entry with built-in checks and reporting for lending teams.
- Guided data entry
- Validation & audit trail
- Reports & exports
Capabilities in detail
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Every asset class in one register
Real estate, ships, shares, bonds, deposits, mutual funds, cash, pledges, guarantees, warehouse titles and rents held under a single collateral model.
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Loans, limits and rights
Collateral links to loans, credit limits and registered rights, with obligors, guarantors and co-owners kept as first-class relationships.
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Pending-collateral pipeline
Collateral that is agreed but not yet perfected is tracked with a due date, an owning business unit, a timeline and automatic escalation before it slips.
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Rules-driven validation
Validation rules are declared per entity and evaluated on save; anything that needs judgement is routed as a human task rather than silently accepted.
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Core-banking synchronisation
Collateral and customer positions synchronise with the core banking system over SOAP, with per-record status, retries and a reconciliation report.
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Electronic pledge registry filing
Pledge registrations are prepared, submitted and tracked, holding a frozen snapshot of exactly what was filed alongside the registry’s response.
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Complete audit trail
Every create, update and delete is recorded against a user, with an audit dashboard and a searchable event log behind it.
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Reporting and warehouse feeds
Scheduled reports are generated asynchronously and retained, and full or incremental extracts feed the data warehouse.
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Live portfolio dashboard
Overdue, due within five days, due within thirty and the implementation rate, alongside the registry pipeline — pending, submitted, registered, rejected, released — on one operational view.
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Bulk operations
Actions applied across a selected set of collateral, and spreadsheet import against a declared file format rather than record-by-record entry.
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Integration monitoring
Every outbound service call is probed and recorded with outcome, duration and HTTP status, so a failing interface is visible before the business notices it.
On the roadmap
Planned capability, not yet available. Timing and scope on request.
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CRR3 collateral value determination
The CRR3 cap applied automatically — the average value measured over the preceding six years for residential and eight for commercial property, or the appraised value, whichever is higher — with the eligibility test and resulting treatment recorded per exposure.
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Revaluation-age haircuts
Supervisory haircuts scaled by the number of days since the last revaluation, so the capital cost of a stale valuation is visible while there is still time to refresh it.
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AnaCredit protection extract
Protection type, protection value, valuation approach, protection maturity and collateral location produced directly in the reporting shape the ECB expects.
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Perfection monitoring
Continuous watch on registered security approaching expiry, with renewal filings raised automatically, so a position is never lost to a missed date.
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Unified electronic pledge registry
Filing and search against the single electronic register of security over movables, claims and other rights established by Law 5123/2024 and held at the Hellenic Cadastre.
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DORA evidence pack
The probe history, audit trail and incident log assembled into the resilience-testing and register-of-information evidence a supervised institution must hold for its ICT providers.
