OREANDA-NEWS. July 8 2011. Ukrsotsbank is the first bank in Ukraine that provided an opportunity for its clients to get a preliminary decision on the loan remotely on a bank's website.

The decision is based on a complex analysis of social and financial performance of the borrower. The client may save a grate deal of time and effort by having no need to collect specific documents and go to a bank branch immediately. The decision to extend credit through the website will be taken within a few minutes. The client has an opportunity here on the site to arrange consultation with manager in any department of the bank for a convenient day and time.

With the help of this service, client gets a preliminary decision on the possibility of extending the credit, that more than likely, will be the final one, in case of all the customer data confirmed by documents.

Ksenia Marus, Head of Multi-channel Banking Development Department: "To make a decision on extending the credit, customer will only need to specify the desired amount and individual tax identification number as in many European countries. This will become possible after overcoming the existing problems in the Ukrainian legislation. Decisions on granting credit will be taken automatically by the bank and the client will get it almost instantly."

"Having received a positive decision on the site, it is almost likely, that client will also receive it in the bank, - expert continues, - in addition bank checks customer’s credit history, any available negative information about the client, etc. If all the information given on the site, will be endorsed, and the negative information will be absent - the customer will for sure get the credit."

First of all service is aimed at business people who prefer to be assured that the bank will take a positive decision on granting a loan, before spending