Automated Bank Loan Reconciliation for Fund Admins & Loan Servicers

Why Bank Loans Are So Hard to Reconcile (and Why Legacy Systems Can’t Keep Up)

Bank loans come with a unique set of challenges that legacy tools simply weren’t built for. Here’s what most operations teams deal with every day:

• Agent banks deliver files in dozens of different formats.
• IDs are often missing or inconsistent.
• Cash hits accounts without clear identifiers or reference codes.
• Loan terms and paydown schedules change frequently.
• Principal and interest are reported in separate, inconsistent ways.
• Each client has their own unique account structure.
• Automatically manage the amendments on cash flows.

All of this explains why so many teams default to Excel. But that comes with high costs, slow workflows, and real audit risks.

How NeoXam Aro Makes Loan Reconciliation Easy

NeoXam Aro automates the hard parts of reconciliation. It’s a modern platform that helps your team ingest, match, and resolve data — no matter how complex the loan or how inconsistent the file.

Here’s how we do it:

Accept Any File — No IT Needed

Our user-driven ETL lets you map and transform any file format from any counterparty. No code. No delays.

Automate Cancel & Amend Handling

Refresh Recon automatically updates your data when loan terms change, so you don’t have to rebuild reconciliations from scratch.

Match Even the Messiest Memos

Aro uses advanced fuzzy logic to read bank memo fields. If you train it once, it remembers forever.

Track and Escalate Breaks

Monitor break age, materiality, and severity in real time. Everything is audit-ready and fully traceable.

Replicate Client Account Structures

Easily configure how accounts are grouped and reported — matching client needs exactly.

Separate Principal and Interest, but Keep It Clean

Reconcile exactly how the agent bank reports it, but keep internal splits for accurate reporting.

Automate Resolution With IPA

Automate resolution of low- and mid-level exceptions using Intelligent Process Automation (IPA).

What Our Clients Are Seeing

250% Increase in Recon Reviews per Ops User: One global loan servicer more than doubled user productivity — and then hit a 450% improvement with IPA turned on.

Excel, Gone for Good: Manual processes moved to a governed, trackable, transparent system.

Breaks Investigated Once, Not Twice: Link related breaks across multiple recons, so ops teams solve the problem at the root, not in silos.

 Audit-Ready at Every Step: Every match, override, and workflow is logged, timestamped, and ready to report — no more hunting through inboxes or shared drives.

Built for the Needs of Fund Admins & Loan Servicing Firms

Bank loans are no longer limited to specialist funds. As allocations grow across traditional funds, expectations around efficiency, auditability, and data transparency rise as well.

NeoXam Aro supports this evolution with a scalable platform trusted by:

• Tier-1 fund administrators
• Loan servicers supporting CLOs and direct lending funds
• Asset managers of syndicate and non-syndicated loans

Whether you’re onboarding a new client or scaling into new desks, Aro adapts to your workflow — without slowing you down.