Configure Pricing. Apply Approved Rates. Track Every Charge.
Manage interest, discount rates, processing fees, facility charges and applicable penal charges through configurable pricing rules. Carry proposed and approved pricing from credit appraisal into loan and transaction processing, helping ensure that charges are calculated consistently in line with approved terms.
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What Is Pricing, Fees & Interest Management in TradeVista?
Pricing, Fees & Interest Management enables financial institutions to define, review, approve and apply the pricing terms associated with their lending and financing products. Depending on the product, pricing may include interest rates, discount rates, processing or setup fees, facility charges, transaction fees and applicable overdue or penal charges. These terms may vary by customer, facility, product, transaction or other configured parameters.
TradeVista connects pricing proposed during credit appraisal with the approved terms carried into the Loan Management System. This helps reduce manual calculations, maintain visibility into pricing concessions and support consistent charge calculations throughout the financing lifecycle.
The applicable rates, calculation methods, day-count conventions, accrual rules and posting treatment can be configured according to the product's requirements and the functionality available in the platform.
- 1. Define Pricing Rules Configure applicable rates, fees, charge types and calculation parameters.
- 2. Propose Pricing Record proposed pricing during credit appraisal based on the customer, facility or transaction.
- 3. Review & ApproveRoute pricing and any concessions through the configured approval workflow.
- 4. Apply Approved Terms Make approved pricing available to the relevant financing transactions in the LMS.
- 5. Calculate & Track ChargesCalculate applicable interest, fees and charges according to the configured rules and transaction details.
- 6. Record & Reconcile Make calculated charges available for the relevant account, statement or accounting workflow, according to the configured posting process.
Why Pricing, Fees & Interest Management Matters for Financial Institutions
Consistent Charge Calculations
Reduce reliance on manual calculations by applying configured pricing rules to eligible transactions.
Visibility into Pricing Concessions
Compare proposed and approved pricing to maintain visibility into deviations and concessions.
Flexible Product Pricing
Define pricing parameters according to supported products, customers, facilities and transactions.
Controlled Overdue Charges
Apply configured overdue or penal charge rules where applicable, subject to approved terms and institutional policy.
Improved Statement Accuracy
Support consistent charge calculations and make relevant charge information available for customer statements and reconciliation.
Reduced Dependence on Hard-Coded Rules
Manage supported pricing parameters through configuration rather than repeated application changes.
Pricing, Fees & Interest Challenges and How TradeVista Helps
Pricing, Fees & Interest Across the Financing Lifecycle
TradeVista connects pricing decisions made during origination with the calculations and records required during loan servicing.
Risk Scoring & Credit Intelligence
Use available risk assessments and customer information to support pricing proposals according to institutional policy.
ExploreCredit Committee & Approval Matrix
Route proposed rates, fees and concessions through the applicable approval authority.
ExploreFunding & Disbursement Management
Apply approved pricing terms to eligible financing transactions according to the configured rules.
ExploreInvoice Management & Verification
Use relevant invoice amounts, dates and tenor information when calculating charges for supported invoice-linked financing products.
ExploreWho Uses Pricing, Fees & Interest Management?
Credit Analysts
Propose pricing based on customer profiles, financing requirements and institutional policy.
Credit Committee & Approving Authorities
Review proposed rates, fees and concessions within their delegated authority.
Operations Teams
Review applicable pricing terms and charge calculations during transaction processing.
Finance & Accounts Teams
Use charge information for statements, reconciliation and accounting-related activities.
Relationship Managers
Understand the pricing terms applicable to customers and facilities.
Management
Review pricing decisions, concessions and financing yield through available reports.
Key Capabilities of Pricing, Fees & Interest Management
Interest & Discount Pricing
Configure applicable interest or discount rates for supported financing products, facilities and transactions.
Processing & Facility Fee
Define supported fee types, calculation methods and minimum charges where applicable.
Setup & Transaction Charges
Configure applicable one-time or transaction-linked charges according to product rules.
Overdue & Penal Charges
Define supported overdue charge parameters and applicable concessions in line with approved terms.
Configurable Interest Calculations
Calculate interest using the configured rate, amount, relevant dates, tenor and applicable day-count convention.
Customer & Facility-Level Rules
Apply pricing parameters at supported customer, facility, product or transaction levels.
Charge Calculation & Accrual
Calculate applicable charges and interest according to the configured processing rules.
Statement & Accounting Integration
Make calculated charge information available to relevant statements and accounting workflows through supported system functionality.
Apply Approved Pricing with Greater Consistency and Control
Bring pricing proposals, approval decisions, interest calculations and charge management into a connected workflow across loan origination and servicing.