An Iorua – Credit granting services – Assistance with the credit processing of applications for mortgage loans.

SPK needs assistance in manual case handling that cannot be covered with its own manpower. The demand for mortgage loans varies over time based on parameters such as interest rate level, change of loan limit, etc. In order to better manage variation in our workload, we need to establish cooperation with an external service provider for assistance with processing loan applications that cannot be covered by their own staffing. The tenderer shall assist SPK with processing loan applications in connection with changes in volume in order to ensure sufficient capacity, so that applications are processed within our target requirements. The assistance primarily includes applications for refinancing mortgages and applications for loans for the renovation of housing. All loans are secured with a mortgage in real estate. The main assignments will be credit rating of loan applications in accordance with SPK's guidelines, grant or deny application for mortgage loans, establish loans with mortgage security in housing and prepare loans for payment.