How ListaFirme helps you in your daily work as a loan officer
When evaluating a credit application, response time and accuracy of information make the difference. ListaFirme centralizes legal and financial data updated daily and provides tools to automate checks so that credit decisions are fast, documented and compliant.
1. Analysis of credit applications
- Company status – instantly check if the applicant is active, VAT payer, without fiscal inactivity or prohibitions, before opening the file.
- Complete identification (CUI, name, address, NACE) – available in ListaFirme API for automatic pre-filling of the credit application.
2. Customer credit rating assessment
- Key financial indicators (turnover, profit, liquidity, capital structure) and annual developments in the company profile.
- History of ANAF public debts, BPI appearances and court cases – consolidated in one place for risk analysis.
- Detailed reports on request: RECOM, CIP, RNPM – for complete documentation in the credit committee.
3. Analysis of guarantees
- RNPM – check the existence of guarantees already established on the debtor's assets and possible encumbrances.
- RECOM – shareholding structure, administrators, change history, share capital – for assessing control and governance.
4. Loan portfolio monitoring
- Monitoring – automatic alerts when a client becomes insolvent, loses their VAT payer status, appears in the Official Gazette or changes their data.
- You reduce reaction time and can promptly adjust exposure or contract conditions.
5. Reporting, compliance and sector analysis
- Economic statistics – sectoral context by fields and counties (Board dynamics, profit, employees) for risk reports and committees.
- Export to Excel of relevant lists for internal analysis and periodic reporting.
6. Prospecting eligible customers (responsible)
- Advanced search by seniority, business level, profit, NACE, county – to identify bankable companies.
- Verified contact details – makes it easier to initiate commercial dialogue with administrators.
7. Automate checks with API
The ListaFirme API allows direct integration into the bank's internal applications to eliminate manual operations and standardize checks.
- File pre-filling: when entering the CUI, the fields (name, address, VAT regime, NACE) are automatically filled in from API.
- Automatic screening: on every save or before approval, API endpoints validate in real time tax status , appearances inRECOM and minimum financial indicators (parameterizable rules).
- Bulk checks: revalidates the portfolio (CUIs) daily and generates exceptions (e.g. VAT loss, new insolvency), with attachment to the risk workflow.
- Audit & compliance: keeping API responses as due diligence evidence in the credit file.
Conclusion
ListaFirme is an operational tool for loan officers: quickly check legal and fiscal status, assess creditworthiness, analyze collateral, monitor portfolio and automate critical checks via API. The result: faster decisions, reduced risk and complete traceability.