Loan Administration Scale-Up
Summary
Industry
Financial Services
Use Case
Embedded Loan Administration & Reporting
Engagement Model
Embedded Staff Augmentation
Functions Delivered
Loan Administration, Reconciliations, Financial Reporting, Redemption Statements
Client
NDA (UK Specialist Lender)
About the client
Swivel Finance partnered with a UK specialist lender whose growing loan volumes were putting pressure on loan administration, reconciliations, financial reporting, and redemption statement preparation. Spreadsheet-based processes and manual workflows were starting to affect both operational efficiency and reporting accuracy.
The challenge
Volume had outgrown the lender’s existing manual processes:
Growing loan volumes outpaced the lender’s existing administrative capacity
Spreadsheet-based processes were limiting operational efficiency
Manual workflows were affecting the accuracy of financial reporting
Redemption statement preparation added further load onto the same team
Month-end reconciliations were becoming harder to complete reliably
What we did
Swivel Finance embedded into the lender’s operations and added structure, not just headcount:
Embedded directly into the lender’s finance operations, not alongside them
Took on loan administration, redemption statements, and month-end reconciliations
Took on financial reporting and high-volume data processing as well
Introduced structured validation processes and administrative checklists
Added reconciliation reviews to improve operational consistency and execution quality
Results
Accuracy Improved: Processing capacity grew while maintaining near-zero error rates
Faster Turnaround: Loan administration and reporting cycles both sped up
Reporting Reliability: Financial reporting became more consistent and dependable
Stronger Controls: Operational controls improved across the whole finance function
Reduced Internal Pressure: Internal finance teams could scale with more confidence
Takeaway
Swivel Finance gave the lender the operational backbone to scale loan volumes without scaling risk.