Complete proposal context
Consolidation of registration data, documents, relationships, economic group, requested limit, operational history and risk-relevant information.
Credit Analysis
Technical analysis, clear policies, and secure approval
We analyze the credit of new and existing customers and recommend the formalization of guarantees to strengthen approval, formalization, and collections.
We create and review the credit policy, define approval limits and committee, structure models and procedures for proposals, and integrate sales, finance, credit, collections, and legal.
Technical analysis
Structured opinion for disciplined credit decisions
The technical analysis organizes the proposal dossier, assesses payment capacity, guarantees, history and exposure, and recommends a decision with clear conditions for approval, review or refusal.
Technical opinion
Decision with supporting rationale.
Garantias
Conditions to reduce risk.
Approval levels
Routed to the right level.
Formalização
From approval to contract.
Score, risk signals and technical opinion
Assessment of financial data, industry, restrictions, behavior, guarantors and declared support to sustain an objective recommendation.
Guarantors and risk composition
Indication of recommended guarantees, transaction participants and conditions required to reduce exposure before approval.
Authority levels, committee and approval conditions
Framing the proposal within the company-defined approval levels, with a recommendation for approval, refusal or conditional approval.
Formalization guidance
Recommendation of final documents, contracts, guarantees and operational controls needed to turn the decision into formalized credit.
Analysis traceability
Record of the rationale, opinions and recommended conditions so the company can audit the decision and review the case in the future.
NicePayer Solutions
NicePayer offers integrated solutions for the entire credit cycle: Check NicePayer, credit policy, online software, and technical analysis, with guarantee formalization, proposal management, exception requests, and anti-fraud actions.
Check NicePayer
Debtor registration and consultation, with notification via CTT and email, Multibanco reference, API, and CSV file import.
Credit Policy
We develop and document the credit policy, the collections policy, and the company’s guidelines for legal actions.
Credit Software
We offer a complete platform for credit analysis, customer management, and guarantee formalization.