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Business Process Outsourcing
Credit management has been characterized by a strong commercial push in recent years, and by the growth of specialized external service providers capable of providing clients with improved consultancy services compared to the more generalized branches.

This offers a competitive advantage to financial institutions, which can streamline and simplify their staff's activities in order to optimize their overall business performance.  What is more, this can lead to process innovation and at the same time cut processing time and costs by taking advantage of the expertise and support of specialized operators.



Based on its long-term experience, and in response to the changing needs of the banking sector, CRIF has created a dedicated Business Process Outsourcing (BPO) unit for credit processes.  This unit has the competencies and skills necessary to guarantee its clients not only cost reductions and staff flexibility, but above all the benefits of using highly specialized professionals, of technological investments, and constant research aimed at improving process efficiency and the effectiveness of individual actions.
Mortgage origination By following all the phases in a loan or mortgage application, CRIF services bring notable improvements in efficiency, and resulting cost reductions.
Balance sheet acquisition CRIF provides an outsourcing service for the acquisition of balance sheets for sole traders, partnerships and joint-stock companies.

Regardless of the form of the balance sheets, CRIF can process them and deliver a numerical file to the financial institution related to each document. This numerical balance sheet is the product of data extraction from the normalized, classified and (if necessary) reclassified balance sheet (from copies of the original balance sheets) and insertion into a chart of accounts.
Salary deducted loans CRIF has always invested in process improvement as a way of increasing efficiency, and with this in mind it has developed an outsourcing service for the management of back office and post-sales activities to support financial institutions in processing salary deducted loans.
Mortgage cancellation This service enables the financial institution to outsource mortgage cancellation activities, thus avoiding the difficulties related to dealing with public offices and retrieving all the data necessary for the correct identification of mortgage registration notes. This brings obvious advantages in terms of the internal costs of process organization, control and efficiency.
Mortgage renewal

CRIF has developed an outsourcing solution to manage the retrieval of real estate mortgage and land registry information for mortgage renewal.
CRIBIS Legal  
The CRIF and CRIBIS Teleservice line of legal services for the sound and efficient management of real estate property.
Anti-fraud BPO CRIF Anti-fraud BPO services can help reduce the risk of fraud during mortgage and loan processing by means of cross checks.