IBM Credit Corporation

1
IBM Credit Corporation

• A new Information System enables one generalist
  to perform multi-tasking which used to be done by
  five specialists.

2
Before and After BPR - Loan Application Process
at IBM Credit Corp.
Work Flow Using Specialists
Customer Service Receptionist
Credit Checker
Business Practices Specialist
Admini- strator
To Cus- tomer
Pricer
Log in call from sales rep
Do credit check on customer
Modify std. loan covenant based on cust. req.
Compute interest rate on loan
Convert information into a quote letter
Work Flow After BPR
Deal Structurer
To Customer
Use sophisticated computer program to process
entire loan application