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Corporate Loan Origination User Manual

1. 10 DENIA Ret Elements i Functions Braces Operators Logical Operators You can specify the following details here 1 9 ORACLE Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Result Specify the result to be associated with the condition specified Elements Specify the data elements to be used to define the formula for credit score calculation or select the element from the option list provided Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit score calculation formula Operators Select the mathematical operator to be used to define the credit score calculation formula You can select Y or f Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select lt gt lt gt gt lt AND or OR 1 4 3 Specifying Credit Grades You can maintain different credit grades based on the credit scores obtained Click Rating button in Rule Details screens to invoke the Rating screen where you can maintain these details 1 5 Rating 1011 LI You can specify the fol
2. e Authorization Status e Record Status e Enquiry ID e Customer Number e First Name e Last Name e Contact Number 1 6 ORACLE Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 4 Maintaining Credit Rating Rules You can maintain a set of questions along with a possible set of answers with associated scores to assess the credit rating of a prospective loan customer You can also calculate the risk factor associated with the loan and arrive at a credit grade based on the scores obtained You can maintain these details in Rule Details screen You can invoke this screen by typing ORDRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Rule Maintenance Rule ld Type Retail Description Corporate Main Risk Factor Question Details 10 LI Answer Details 101 Maker Date Time Mod Ho Checker Date Time Record Status Authorization Status You can specify the following details in this screen Rule Id Specify a unique identification for the credit rating rule Description Specify a suitable description for the credit rating rule Type Select the type of the loan from the following options available 1 7 ORACLE 1 4 1 1 4 2 e Retail e Corporate Main Tab You can maintain
3. 1 15 3 8 Transferring Data to Oracle FLEXCUBE Database After you have captured and saved the details for the loan applications you can transfer it into the database of the main system when you are connected to the network To do this you need to change the OffApplicationStatus to SYNCHRONIZE from the existing PENDING status and click the Synchronize button in the following screen Sarnichronine A ee Application Entry Synchronization reno 1 1902 we Select Applicationtum ProductCode Custornertia FirstName It asiamme Accounthumber JOMAppiicationtum OllApplication Sestu Synchronization Corporatelending1002 AA 001001778 BUGAT 00100177605 PENDING la If the synchronization is successful the system will update the status in the OffApplicationStatus as SYNCHRONIZED and all the details will be populated in the database of the system from where you can view it by selecting the application number in the Corporate Loan Application Entry screen The process followed thereafter will be the usual one followed for the loan Origination If the synchronization is unsuccessful the system will update the status as PENDING 2 1 2 2 2 Reports Introduction This chapter deals with the various BIP reports that are available for the corporate loan origination process The reports that are available are e Prefunding Contract Report e Funded Contracts Report e Credit Applicati
4. Boolication Humber 9 Cocporatelending 1007 Une reference Number 1002 Appbcabon Category CORPORATE 1 a ProductCado Viti VEH LO of Dee 24412002010 Papose TESTH Lidl bed Chema OF FLEE Cit oriae bel ey EHI MENIER Applicant Details Exe a Luisa Mo ira Hima HUAT Siri Nese BLEAT Accepi Cabs CORPT Accoun Humber gti TTA Hahona ld Custom Type Gurency GEF F Cuibarmar Calgary Copasa incorporation Date Hot Worth Capital E mare ri Descrpion of Duane Miamia Lada Mm Eki AS Languiga E Ceuniny amp Handy O Cumencyy of Aurora Add a Lee 000000005 HEW APPLICATION For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 15 3 2 Details Tab You can enter the following details in this tab Directors information capture Address details 1 63 ORACLE Sihir fo Lil Application Details z Auber oboe Humi Appi liii Catay a Preducilcda Liei ld TA hes Laci lp Pa CA Application Entry Synchronization Address Details CorpeaheLeetoreg 10 CORPORATE 1 a VEH LO 015 s Adios Tyga Cormemporndence Maley O Director Details Dir Narre Tax bd Mobles Humi r E mail Hequesies Levey Coles a Uen Falersca Murer TL Late P2010 Purpose TESTA Adra OF FLEE rara ay Wisse ide mal LONDOH ara Lina 2 dra me 3 Permanent
5. Corporate Loan Application Entry screen described earlier in this manual 1 15 3 4 Requested Tab You can capture the following details in this tab e Requested Loan Amount e Requested Currency for the Loan e Requested Tenor Itemizations Sme arini ee Application Details a Aepicatica Humber Corporal end XL Ap Calgary CORPORATE 1 a Preduchhede Wii Lesd ld WEH LO 01 Application Entry Synchronization Coloma Geim Loan Requested Eeue Requested Requested Amount 100000 Tenor in Monta 12 liemizations hamlraton hie am yii a User elenco hrir 1007 Date Purp Channel CACHED Omis Colaberals Curency GBP Rate Cl ieee 7 Zag TESTA OFFLINE z 4 Gewnpayment Amount Piramabon bd For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 65 ORACLE 1 15 3 5 Limits Tab In this tab you can capture the following information e Line details e Line Currency e Limit Amount e Start End and Last available Date of Facility Sian chore ie e e a Application Details Add Cancal Application Number ComporateLending 1002 a User Reference Number 1002 intermediary Code 000000005 Application Category CORPORATE_1 Date 24 12 2010 5 Status MEW APPLICATION E ProduciCode WW3 m Purpose TESTIN Lead ld VEH LD 01 Channel OFFLINE ae Customer Lalas facla Fe
6. Requested Amount Loan Schedule Schedule 10f1 D lt Schedule Details 10f1 LI Maker Date Time Mod No Checker Date Time Record Status Authorization Status T ORACLE After the loan application has been created in the system if you select the Enquiry ID specified here the system will default the requested details for the offer selected here in the Corporate Loan Application Entry screen in the Requested tab You can only view the details in the screen At the Underwriting stage the system will default the loan details which you can modify in the Loan tab of the Corporate Loan Underwriting Stage screen Viewing Simulated Loan Details You can view a summary of the loans that have been simulated for prospects in Corporate Loan Simulation Summary screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSCLSIM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Loan Simulation Summary Authorization Status Record Status E Enquiry ID First Name Las Last Mame E Contact Number as Email Idd q search Advanced Search Records per page Authorization Status Record Status Enquiry IB First Mame Last Name Contact Humber Email tcl You can specify any of the following details to search for a record
7. Sync button All the details for the selected offline application will be displayed in this screen You can modify the required details Status The status of the application gets displayed here Click Default button to default the details related corresponding to the prospective loan customer 1 14 3 Customer Tab In Customer tab you can capture the details associated with the loan applicant The customer details corresponding to the Application Category specified are displayed here You can modify these details if required For existing customers of the bank you need to specify the following details Existing Check this box to indicate if the customer applying for the loan is an existing customer of the bank Customer No For existing customers you need to select the customer number from the option list provided Click Def button to default the details of existing customers For more details on capturing Customer details refer the chapter titled Maintaining Customer Information Files in Core Entities user manual 1 14 3 1 Fields You can capture the user defined field details for the customer if any by clicking Fields button The Customer UDF screen gets displayed where you can maintain the UDF details 1 31 ORACLE Customer UDF UDF Details 107 a You can specify the following details in this screen Name Specify the name of the UDF being created for the customer
8. e Quarterly e Half Yearly e Yearly Frequency Specify the frequency at which the loan disbursement should be carried out Rate Specify the interest rate to be associated with the loan 1 4 ORACLE 1 2 2 Rate Code Specify the rate code used to derive the interest rate or select the rate code from the option list provided Spread Specify the spread that is applicable for the loan being offered Effective Rate The effective rate of interest gets displayed here based on the interest and the spread specified Check Select the required offer by clicking the Check optionand click the Apply button The system will default all the details in the Loan Details pane When you click the Apply button available in the lower pane in Loan Details the system will populate the schedule details for the offer you have selected Schedule Tab After the loan details have been displayed by the system or modified as per your requirements click Apply The system will process these details Click Schedule and the system will display the details of the payment and amortization schedules based on the loan details Corporate Loan Simulation Details Corporate Loan Simulation Application Category Date Enquiry ID Product Code Branch Customer Details First Name Contact Number Customer No Last Name Email ld Requested Rate Down Payment Amount Currency Tenor Down Payment
9. screen You can capture the remarks and recommendations from these agencies in this tab You can also view the credit report obtained from the agencies and bureaus 1 51 ORACLE External Credit Rating External Agency The external credit agencies maintained for the Application Category in Application Category Maintenance are displayed here Recommended Select the recommendation of the credit agency for the loan requested from the following options provided in the drop down list e Recommended e Not Recommended Remarks Specify remarks if any associated with the loan application Credit Bureau Details Customer Id The identification of the loan customer gets displayed here Bureau The credit bureau maintained for the Application Category in Application Category Maintenance gets displayed here Status Select the status for the credit bureau check from the following options in the drop down list e Completed e Pending Remarks Specify remarks if any associated with the loan application Click Report button adjacent to credit rating record or credit bureau record to view the report obtained from the credit rating agency or the credit bureau 1 14 15 Investigation Tab In this tab the system captures the field investigation details associated with the customer 1 52 ORACLE Corporate Loan Underwniting Stage Workflow Reference Priority Application Number User Reference Channel Applicat
10. Collateral Description Collateral Category ral Ty Collateral Currency Collateral Type Collateral Value Revision Date Haircut Market Value Based Guarantor Based Charge Type ortgage Security Id Guarantor Id Revaluation Date Units Nominal Value Rating Revalue Collateral Cap Amount Vehicle Details Identification Number Make Year Model Covenant Details 101 Prev Remarks Remarks Audit J Outcome In this screen specify the following details to facilitate vehicle evaluation Vehicle Details You can capture the details of the vehicle which is to be evaluated in the following fields Identification Number Enter the unique identification number associated with the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details 1 39 ORACLE Usage Specify the mileage used by the vehicle till date These details will be used at the underwriting stage to evaluate the vehicle For more details on capturing Collateral details refer the chapter titled Maintaining Collateral Details in Enterprise Limits and Collateral Management user manual 1 14 8 Requested Tab The details related to the requested loan can be captured in this tab If you have selected an Enquiry ID for the customer then the requested details that have been stored for the correspo
11. Oracle FLEXCUBE and have access to download the application and enter the required details You can have multiple users accessing the application at a given point in time As a user you can specify the login details in the following screen 1 61 ORACLE dd 1g i Ue Wo reap ace Workspace A e h F i Logon S Liver piama ATHEA EELE A LRG ised u a of Tis ss la prohibe e rr ba uba do gei pui TE psa cubo lo A RP O a ara Specify the following details User Name Enter the user name provided to you This may or may not be a valid user maintained in Oracle FLEXCUBE Password Enter the password 1 15 2 Selecting the Application After you have entered the login details successfully all the applications for which you have access rights will be displayed as shown in the screen below 1 62 ORACLE In this screen select the corporate lending URL The screens in which you require to capture information are displayed 1 15 3 Creating Applications You can enter the required details in the following screens to create a loan application 1 15 3 1 Customer Tab The Application Number is auto generated You can enter the following details in this tab Application Entry Synchronization Application category Loan Product Originating Channel User Reference Number Purpose Intermediary Loan Prospect Applicant Information Applicant address information Corporate Information Application De tas
12. Records per page Authorization Status Record Status Process Code Application Cate You can specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 10 Maintaining Document Checklist and Advices You can maintain the list of documents that are required during the loan origination process in Documents and Advice Maintenance screen Document checklists are maintained for an application category and for the various stages in the origination process You can also maintain the details of the Advices that need to be generated on completion of a stage in the process You can invoke Documents and Advice Maintenance screen by typing ORDDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 1 18 ORACLE Document amp Advice Maintenance Process Code Application Category Process Stages 101 gt li Stage Stage Document Details a 1of1 23l FEE M Las 4 Mandatory y j BI Advices 1of1 23 p A AAA al sor en us wl Maker Date Time Mod No Checker Date Time Record Status Authorization
13. Value Specify the value associated with the UDF being created for the customer 1 14 3 2 Dedupe You can verify if the customer details are duplicated by clicking the Dedupe button Duplicate Customer List screen gets displayed where any duplicate customer details are displayed Duplicate Customers List Duplicate Customers List 10 TIOS Last Name Customer Category 1 14 3 3 Loans You can view the existing loan for the customer by clicking the Loans button 1 32 ORACLE Loan List Loan List 10H 1 14 4 Details Tab The address and employment related details of the customer corresponding to the Application Category selected are displayed in this tab You can modify these details if required Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Lov Offline Application Number Customer Details Financials Limits Collaterals Requested Comments Address Details Address Line 1 Zip Address Type Address Line 2 Country idence Adares Address Line 3 Contact Number Mailing Director Details Director Name Permanent Address Mailing Tax Id Address Mobile Number E mail Country Prev Remarks Remarks L Audit Outcome In this screen you can capture multiple address and employment details if required For more details on capturing Adr
14. Worth Country Currency of Amounts Description of Business Prev Remarks Remarks Outcome The verifier can choose to send the application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory 1 60 ORACLE If the applicant application and document details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select RETURN to return the process to underwriting stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed The customer customer account collateral facility etc are created in the system on completion of the Document verification stage Step 6 Customer Collateral Facility Loan Account Creation In this final stage the facility loan and collateral are created Customer is also created if the applicant is a new customer Current account is also created if information is captured for the same The system creates a Facility Loan Customer and Collateral in Oracle FLEXCUBE with details captured from previous stages A user in manager level role handles this stage The creation of customer collateral and facility can be verified in STDCIF GEDCOLLT and GEDFACLT screens respectively 1 15 Creating Offline Loan Application
15. from a prospective borrower customer The relevant documents and financial statements are also provided by the customer If the applicant borrower does not have an account but intends to open one the bank also obtains the account opening form and related documents as part of this activity Users belonging to user role CEROLE are authorized to perform the tasks associated with this stage The following details are captured in this stage e Applicant information e Applicant contact information e Director s information e Corporate information e Facility e Loan details e Collateral details Documents obtained from the applicant are also uploaded during this stage You can key in the loan application details required in Corporate Loan Application Entry screen You can also invoke this screen by typing ORDCLAPFP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Number Customer Details Financials Limits Collaterals Requested Comments Applicant Details Customer No Name Short Name National Id Der Customer Category Existing Currency Language Incorporation Account Class Country Date Account Nationality Country e Currency of
16. match then the status is updated to NO DATA Once the verification is completed you can select the Outcome as PROCEED and move to the next stage For more details on capturing Collateral details refer the chapter titled Maintaining Collateral Details in Enterprise Limits and Collateral Management user manual 1 14 12 Credit Score Tab The credit score tab is used to calculate the credit score details of the customer You can also interface with external Credit engines and display recommendations and report Internal Credit engine obtains information from customer and calculates credit score and displays system recommendation Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application L Default Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Internal Credit Rating Rule Id 104 Grade LI Risk Factor Details 10f1 LJ Prev Remarks Remarks Laudit Outcome The set of questions used to assess the credit rating of a prospective loan customer associated Rule ld are displayed in this screen You can specify the following details here Answer Specify the answer to be associated with the question used for ca
17. offers selected and requested details the system will generate loan and schedule details You can enter the required details for the prospective customer in Corporate Loan Simulation Details screen You can invoke this screen by typing ORDCLSIM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Loan Simulation Details Corporate Loan Simulation Application Category E Date 2012 03 Enquiry ID ENSS Default Customer Details First Name Contact Number Customer No Product Code E Branch Last Name Emailid Requested Rate Down Payment Amount Currency E Tenor Down Payment Requested Amount Multiple Offers Offer ld No of Installments L Po Morty al Loan Details a Rate No of Installments Currency 7 Value Date gt Units Monthly Loan Amount 7 Maturity Date Frequency Down Payment Amount Installment Start Date Account Number Effective Rate Maker Mod No Record Status Cancel Checker Authorization Status If details are available as part of the maintenance for the prospect in the Prospect Details screen then after you specify the Application category Product Code and Customer Number in this screen if you click the
18. override message or select the error code from the option list provided Error Parameter Specify the error parameter to be substituted in the override messages Elements Specify the data elements to be used to define the conditions for generating override messages or select the element from the option list provided Functions Select the mathematical function to be used to define the condition from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the conditions for generating override messages Operators Select the mathematical operator to be used to define the conditions for generating override messages You can select or Logical Operators Select the logical operator to be used to define the conditions for generating override messages You can select lt gt lt gt gt lt AND or OR Viewing Override Summary You can view a summary of the overrides in Override Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSOVDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Override Maintenance Authorization Status b Record Status a Process Code lla Application Category Las Q Search Advanced Search
19. rating details for customer securities Application Category Maintenance Detail Application Category Loan Type LBL_RTL Category Description Rule Id Ratio Id Main Agency Credit Agency 1011 a a OOOO O Bureau Details 1011 e eurea OOO O O Investigation Agency 10f1 a A veneer OOO O Maker Date Time Mod No Checker Date Time Record Status Authorization Status You can specify the following details in this screen Credit Agency You can capture the details related to the credit rating agencies here Agency Code Specify the identification code of the rating agency that provides credit rating details for customer securities Agency Name Specify the name of the rating agency that provides credit rating details for customer securities Bureau Details You can capture the details related to the credit bureau here 1 24 ORACLE Bureau Code Specify the identification code of the credit bureau that provides credit ratings for customer securities Bureau Specify the name of the credit bureau that provides credit rating details for customer securities 1 13 Viewing Application Category Summary You can view a summary of the application categories in Category Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSCATMT in the field at the top right corner of the Application to
20. source from the adjoining drop down list The options are e INTERNAL e NONE Select INTERNAL if you wish the evaluation to be done by interfacing with an external agency Status Select the status from the adjoining drop down list The options are e RECOMMENDED e NOT RECOMMENDED e COMPLETE e NO DATA is ORACLE The evaluation will be done only if the valuation source is selected as INTERNAL and the status is RECOMMENDED For any other combination of values for the two fields the system will display an error message and will not proceed with the evaluation till the values are set as specified above After entering the required details select WERIFY as the Outcome and click Save If you have indicated that evaluation should be done you will not be allowed to select PROCEED or CANCEL as the Outcome till the verification has been successfully done The system will display a message stating that the task is successfully completed on saving the record To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful
21. the customer is interested in as well as the schedules associated with the loan offer This can be stored as reference in the system to be retrieved when the actual loan process flow is initiated Corporate lending process flow uses Oracle BPEL framework with multiple human tasks for workflow stages The capture and enrichment of information in multiple steps can be dynamically assigned to different user roles so that multiple users can take part in the transaction Oracle Business rules are used for dynamic creation of multiple approval stages The following details need to be maintained for originating a Corporate Loan e Credit rating rules e Credit ratios e Override details e Document checklist and advices e Application category details The Corporate Loan origination process flow is composed of following stages e Application Entry e Application Verification e Underwriting e Loan Approval e Document Verification e Customer Collateral Facility Loan Account Creation The features maintenances and the different stages in the process flow are explained in detail in the following sections Simulating Corporate Loans You can simulate a loan proposal for a customer approaching the bank with enquiries about the loan products offered by the bank The following details would need to be captured as part of the simulation e ORACLE e Personal Details of the Prospect e Loan offers selected by the Prospect Based on the product
22. the following details in this tab Question Details Question Id The question Id is automatically generated by the system Category Select the category to which the question belongs from the option list provided Question Specify the question to be asked to the prospective customer to derive the credit rating score Answer Details Sequence Number The sequence number is automatically generated by the system Possible Answer Specify a set of possible answers to be associated with a question Score Specify the score associated with an answer Risk Factor Tab You can specify the risk details associated with the loan and also indicate the formula for calculating the credit score in this tab is ORACLE Rule Maintenance Rule ld Type Retail Description Corporate Main Risk Factor Risk Factor 10 CIT rm Ss Eormul Maker Date Time Mad Mo Checker Date Time Record Status Authorization Status You can specify the following details here Risk Id Specify a unique identifier for the credit risk being maintained Description Specify a suitable description for the credit risk 1 4 2 1 Specifying Formula Details You can specify the formula to calculate the credit score by clicking the Formula button corresponding to a credit risk entry in Risk Factor tab The Formula screen is displayed where you can specify the condition for calculating the credit score associated with a risk condition
23. 8 ORACLE Specify the following details Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 7 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Intermediary Code Month for which report is being generated and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Approved No This indicates the number of applications approved Rejected No This indicates the number of applications rejected Total The indicates the total of approved and rejected applications Funded No This indicates the number of funded applications Total Applications This indicates the percentage of total applications that have Funded been funded Monthly Total This indicates the total number of applications for the month Branch Total This indicates the total number of applications for the branch T ORACLE 3 Scr
24. Address AA LONDON La Card mena Code 000000005 Country Dp Comaci hatmi Mailing Limp 1 Lina 2 Lim J Coury Sinus MEW APPLICATION For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 15 3 3 Financials Tab You can capture the following details in this tab Assets Details Capital details Reserves Details Surplus Details Liabilities Details Cash Flows Credit Application 1 64 ORACLE Syahrin Application Details a Appii Murra Applicaton Category Productiocda Lewd bd alone Deine Ases Application Entry Synchronization Fined Assets inapbds Assets Hen Curent Angeta Curent Assets Cash Flows Draai Actress Credit Application Bo Prole Franca Pistonmance Barres Mark Pobi Corporate eningigi CORPORATE i Vw VEH LO Ot Financials Hanuta a User Referesce Humbe 1007 Date Auga Purpose TESTM Channel OF FLEE meta umas Colin Capital have Capel Puedo Capa Reserves Subir Firem Goa Gene al Ragai investing Acctivetiors Risi And Mibgarts Arse Deparment Mibqares Fisk Deparment Aipa ve Add Ee ai HS HEW APPLICATION intermediary Code States Lb bell ibe Torr Limbii Cuman Lastra Surplus Cria Bale mn PAL Acts Frits Proposed Approved Facdites Pig Grrrl Tare And Coin For details on this screen refer the corresponding tab in the
25. Amounts Capital Net Worth Description of Business Prev Remarks Remarks Audit J Outcome The Application Number is automatically generated by the system You can capture the following details in the main screen Application Category Specify the loan application category to be used or select the application category from the option Enquiry ID Specify an enquiry Id if you wish to retrieve information on the loan offer selected by the customer You can also select the ID from the adjoining option list The list contains all the Enquiry IDs created for the customer as part of the loan simulation process User Reference Number Specify the user reference number for the loan application Date Specify the date on which the application was entered or select the date by clicking the Calendar icon provided Purpose Specify the purpose for which the loan is availed Channel Specify the channel Id of the originating channel Intermediary Code Specify the identification code of the intermediary agency if the customer has been associated with any 1 30 ORACLE Offline Application Number Specify the offline application number if the loan application has been created using the offline facility You can also select the application number from the adjoining option list The list contains all the application numbers for loan applications that have been created offline After specifying the loan number click the
26. Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Application Verification screen Step 2 Application Verification The information captured in the previous stage is verified in the Application Verification stage Application verification is carried out by the user role CMROLE 1 44 ORACLE e Corporate Loan Application Verification Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Default Number Customer Details Financials Limits Collaterals Requested Comments Applicant Details Customer No Name Short Name National Id Customer Category Existing Currency Language Incorporation Account Class Country Date Account Nationality Country Currency of Amounts Capital Net Worth Description of Business Prev Remarks Remarks Outcome The details related to the loan application entry are displayed in this screen which can be verified by the verifier The details cannot be modified in this stage but comments can be added appropriately On completio
27. Click Ok to proceed to the next stage which will again be the underwriting stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Underwriting Stage screen The system will invoke the external valuation agency for vehicle evaluation You can view the details in the collateral tab In the collateral tab click the Evaluate button The system will check for the data within the FLEXCUBE database If there are none for the corresponding vehicle it will try to obtain the details from the external agency and display them in the Vehicle Evaluator screen Vehicle Evaluator Vehicle Details Valuation Source INTERNAL Model Identification Number Body Year Usage hake Vehicle Valuations Wholesale Value attribute Value Retail Value Total Value Usage Value Vehicle Attributes 10 B Attribute Description Attribute Code Attribute Value Package Incl pr 1 48 ORACLE In this screen you can view the information available for the vehicle based on the information provided by you If the information in this screen matches the details available in the system database for the same vehicle the status is updated to COMPLETED in the collateral tab If it does not
28. Comments Applicant Details Customer No Name Fields Short Name National Id _De dupe Customer Category Loan Existing Currency Language Incorporation Account Class Country Date Account Nationality Capital Net Worth Country Currency of Amounts Description of Business Prev Remarks Remarks Audit Outcome The approver can send the application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory If the application details are verified successfully the approver can proceed with the processing of the application by selecting PROCEED as the Outcome The approver can select RETURN to return the process to previous stage for data correction or CANCEL to terminate the process 1 59 ORACLE On successful completion a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To selec
29. Corporate Loan Origination Oracle FLEXCUBE Universal Banking Release 11 3 0 May 2011 Oracle Part Number E51511 01 ORACLE FINANCIAL SERVICES Corporate Loan Origination 1 Table of Contents CORPORATE LOAN ORIGINATION susi ainia iaa 1 1 1 1 INFRODUE TON die aa 1 1 1 2 SIMULATING CORPORATE LOANS A iia 1 1 121 LOO ol AAA IR A A A A O OA 1 3 22 DCCC ETEO A A A T AE 1 5 1 3 VIEWING SIMULATED LOAN DBT AILS at aaa 1 6 1 4 MAINTAINING CREDIT RATING RULES add 1 7 1 4 1 IS Ha eRe en ee RS Tit hae A NE NR 1 8 1 4 2 R Fa lOr LADO tl e a ud e a 1 8 1 4 3 Spec no CLEGG GES A a 1 10 1 5 VIEWING CREDIT RULE SUMMAR Tons a A E a A Triat 1 11 1 6 MAINTAINING CREDIT RATIOS un 1 12 1 6 1 SPENN T Orma PD ETOS EEEE EE A ES 1 15 1 7 VIEWING CREDIT RATIO SUMMAR Y inorena a Ea a a a E TEA 1 15 1 8 MAIN FAINING OVERRIDE DETAILS tica 1 15 1 9 VIEWING OVERRIDE SONAS N 1 17 1 10 MAINTAINING DOCUMENT CHECKLIST AND ADVICES cccccccceccssccsccceccscenccesccscesccesceuscesscesseessescsussenscs 1 18 1 11 VIEWING DOCUMENT CHECKLIST SUMMARY ccccccscccsccssccscccsccusceuscessesceuccesseeccesscesseecsesscesseuscesccusseusss 1 20 1 12 MAINTAINING APPLICATION CATEGORY DETAILS ccccccccsccceccsscceccceccuccencccsccuccesscesceescesccusceussescsusseusss 1 21 LADA MaM e a lio 1 22 L22 ANEY 1 AD A A Ga E Nile kgs BER aaa eee eae 1 24 1 13 VIEWING APPLICATION CATEGORY SUMMARY iwisccccscievsescvssscesevivsevscusedectevertecwsvecsseteveveewse
30. Default button the system will populate all loan and schedule details available for the prospect When you create a new proposal the system will generate the Enquiry ID and the Date for the proposal You are required to capture the following details Application Category Specify the application category for the loan enquiry You can also select it from the adjoining option list Product Code Specify the product code for loan product selected by the customer You can also select it from the adjoining option list Branch Specify the branch code in which the loan will be processed You can also select it from the adjoining option list 1 2 ORACLE Customer Details Specify the following details for the customer Customer No Specify a unique customer number for the prospect who has initiated a loan account for the same product and application category combination First Name Specify the first name of the customer Last Name Specify the last name of the customer Contact Number Specify the number at which the customer can be contacted E mail ID Specify the e mail ID of the prospective customer Requested You can enter the details requested by the prospect here Currency Specify the loan currency preference of the customer or select the currency from the option list provided Requested Amount Specify the loan amount requested by the prospective customer Default Interest rate Specify the pre
31. Status You can specify the following details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided Application Category Specify the category to which the loan application belongs or select the application category from the option list provided Stage Select the stage of the loan origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Loan Approval etc Stage Title Specify a suitable description for the loan origination stage Document Details Document Category Specify the category to which the document belongs or select the document category from the option list provided Document Type Specify the type of the document or select the document type from the option list provided Mandatory Select the option to indicate whether the document is mandatory or not You can select any of the following options from the drop down list provided 1 19 ORACLE e Mandatory e Overridden e Others BI Advices Report Name Specify the name of the advice report to be generated on completion of the process stage Template Specify the template to be used to generate the advice report Format Select the format in which the advice report needs to be generated from the drop down list provided The following options are av
32. ailable e PDF oe RTF Locale Select the locale information to be used for generating the advices from the drop down list The following options are available e en US Viewing Document Checklist Summary You can view a summary of the document checklists and advices in Document Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Documents Details Authorization Status Record status Process Code as Application Category dL Ca searen Advanced Search Records per page Authorization Statue Record Status Code Application Cate You can specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 12 Maintaining Application Category Details You can maintain various application categories linked to multiple loan products that cater to the requirements of different customers in Application Category Maintenance screen The entire process of loan origination depends mainly on the category to which the application belongs You can invoke Application Category Maintena
33. ails Checklist Documents e Application Verification e Underwriting Y Y Y VV WV VV V Y Collateral Valuation Information Applicant Financial Ratios Applicant Credit Score Applicant Bureau Report Loan Offers Loan Schedules Loan Charges Field Investigation Document Capture Advice Generation e Facility Approval e Document Verification gt gt Information captured during Previous stages are verified All documents obtained are verified against checklist e Customer Account Facility Loan Contract Collateral Creation gt Vv Vv WV WV Customer Creation Current Account Creation Facility Creation Loan Account Creation Advice Generation 1 26 1 14 1 Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow Sart Cu beri Cra eet Calloteral Gratin Facilita rea El Loan Creation Yuu Faciliy 4 pparowal Proceed Carr lag z OU COO A tir hy ay a Ma d d 4 Legend CA Oracle Business Muli CT lar minika EF Prodi The various tasks carried out in these stages will be explained in detail in the subsequent sections 1 14 2 Process Matrix The process matrix given below lists out the different stages the user role handling each stage the function Ids involved and the exit points for each stage Sus sgae rs e Application The following details are ORDCLAPP PROCEED Entry captured as p
34. aive the charges associated with the loan 1 14 19 Fields Tab In this tab you can capture the user defined fields associated with the loan 1 56 ORACLE Corporate Loan Underwriting Stage Workflow Reference Priority Low Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Low Offline Application Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio CreditScore Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments O L LI L L U Prev Remarks Remarks Outcome 1 14 20 Checklist Tab In this tab the system lists the checklists that are associated with the application category Corporate Loan Underwriting Stage Workflow Reference Priority Low Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status New Application Priority Low Offline Application Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio CreditScore Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Check List 10f1 Hef cneocustia oescoton verses Comments T O O OOOO Prev Remarks Remarks Outcome The following details are displayed in this screen e Checklist Id 1 57 ORACLE e Description Verified Check this box to indicate that checklist maintained has been verified for
35. art of this CANCEL stage Application Details 1 27 ORACLE Stage Title Application Verification Underwriting Facility Approval Document Verification Customer Account Facility Description Applicant Details Requested Lending Details Collateral Details Check List User Defined Fields and Comments Document Capture Advice Generation The details captured as part of Application Entry stage is verified The following details are captured as part of this stage Collateral Valuation Information Applicant Financial Ratios Applicant Credit Score Applicant Bureau Report Loan Offers Loan Schedules Loan Charges Field Investigation Document Capture Facility Approval Document Verification Final Verification Customer Creation Loan Account Creation Advice Generation The system task is used to create the following 1 28 o ORDCLVER ORDCLUND apo PROCEED REJECT CANCEL VERIFY PROCEED REJECT CANCEL PROCEED REJECT CANCEL ORDCLAPR ORDCLDVR PROCEED REJECT CANCEL N A oso ger Joso fie Fanconi Es Loan Customer Creation Creation Current Account Facility Creation Collateral Creation Loan Creation The stages are explained in detail in the sections that follow Step 1 Application Entry In this stage the bank receives an application requesting for the creation of a facility
36. ceccesccescenscesccuscescesseuss 2 5 PaA Coni iS OF E REDOT eeta Esa a ARA AA AE Ne 2 6 2 6 UNDERWRITING STATUS BY MONTH AND UNDERWRITER REPORT occnccnnccnicnnccnnconoconocnnccnaconocnnconaronocnnicnns 2 7 2 6 1 CONTERIS OF INET COIL id NA A Ed 2 8 2 7 UNDERWRITING STATUS BY MONTH REPORT ccccsccssscssccscccsccscesccesscessesccesseessesscesseessenscesseessenscusseuss 2 8 2 lod Conie nis ONE Reporta di td di 2 9 SCREEN GLOSSARY A A ae 3 1 3 1 EUNCE HON IDAS etn ne Ronn A a a e nT ee ain 3 1 1 1 1 2 1 Corporate Loan Origination Introduction The process of loan origination gets initiated when a prospective customer approaches the bank with a loan account opening request or when the bank approaches a prospective customer taking lead from its database In case of a bank initiated request the process moves forward only if the prospective customer is interested The entire process is carried out in multiple stages and on successful completion of each stage it moves automatically to the next stage Loan applications can also be captured in an offline mode at client sites by authorised users These can be subsequently brought into the main system and processed through the normal loan origination process When the customer approaches the bank for its products and offers before initiating the loan origination process the bank can create a mock proposal which would have the personal details of the customer the loan offers
37. cify the value associated with any general reserves of the customer Surplus You can capture the following details corresponding to the loan applicant s surplus income Credit Balance in PL Specify the surplus credit balance if any associated with the customer Liabilities You can capture the following details corresponding to the loan applicant s liabilities Term Liabilities Specify the value associated with the long term liabilities associated with the customer Current Liabilities Specify the value associated with the current liabilities associated with the customer Cash Flows You can capture the following details corresponding to the loan applicant s cash flows Operations Activities Specify the cash flow value associated with the operation activities of the corporate customer Investing Activities Specify the cash flow value associated with the investing activities of the corporate customer Financing Activities Specify the cash flow value associated with the financing activities of the corporate customer Credit Application The details associated with how the corporate customer has deployed his assets need to be captured as part of assessing the risk associated with the loan proposed You can capture the following details related to the credit application Borrower Profile Specify the details corresponding to the profile of the corporate customer s customer Financial Performance Specify the detail
38. cription The description associated with the selected loan product gets displayed here Default Check this box to indicate if the loan product selected should be maintained as the default product for the application category Other Details You can capture the additional details related to the loan product here Offer Id Specify a unique identification for the loan offer being made to the customer No of Installments Specify the number of installments associated with the loan Units Select the units based on which the loan disbursement should be carried out The following options are available in the option list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Frequency Specify the frequency at which the loan disbursement should be carried out Rate Specify the interest rate to be associated with the loan Rate Code Specify the rate code used to derive the interest rate or select the rate code from the option list provided Spread Specify the spread that is applicable for the loan being offered Effective Rate The effective rate of interest gets displayed here based on the interest and the spread specified Default Check this box to indicate if the loan offer specified should be maintained as the default offer for the application category 1 12 2 Agency Tab In Agency tab you can capture the details of the credit rating agencies and credit bureaus that provide credit
39. eader carries the Report Name Run Date and Time Branch and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Product This indicates the product for the contract Collateral This indicates the collateral code Underwriter This indicates the underwriter for the contract 2 3 ORACLE Contract Rate This indicates the rate for the contract Contract Term This indicates the duration of the contract Branch Total This indicates the total number of records for the branch 2 4 Credit Application By User Report This report lists out the number of credit applications entered by the user You can invoke the Credit Application By User screen by typing CLRPCAUR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 4 Credit Application By User Number Of Credit Application By User Report userid fal Branch a From Date C l Specify the following details User ID Specify the Id of the user for which you wish to generate the report You can also select the ID from the adjoining option list The list contains all the valid users maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from t
40. een Glossary 3 1 Function ID List The following table lists the function id and the function description of the screens covered as part of this User Manual eto rotos CLRPUNMI Underwriting Status By Month and Intermediary Report CLRPUNMN Underwriting Status By Month Report CLRPUNMU Underwriting Status By Month and Underwriter Report 3 1 ORACLE ORACLE Corporate Loan Origination May 2011 Version 11 3 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright O 2011 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Se
41. eess details refer the chapter titled Maintaining Customer Information Files in Core Entities user manual You can capture the following additional details related to the Director in this tab 1 33 ORACLE Director Name Specify the name of the director of the corporate customer Tax Id Specify the tax identification of the director Mobile Number Specify the mobile number of the director E mail Specify the e mail Id of the director Permanent Address Address Specify the permanent address of the director Country Specify the country associated with the address specified Mailing Line 1 4 Specify the mailing address of the customer in Line 1 to Line 4 provided 1 14 5 Financials Tab You can capture the financial details corresponding to the customer in this screen 1 34 ORACLE Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Number Customer Details Financials Limits Collaterals Requested Comments Assets Capital Reserves Fixed Assets Issued Capital Subsidy from Government Intangible Assets Paid Up Capital General Reserves Non Current Assets Current Assets Surplus Liabilities Cash Flows Credit Balance in PL Term Liabilities Operations Activities Current Liabilities Investing Activities Financ
42. erial Main Line Code Line Currency Expected Limit Amount Effective Line Amount Basis Pool Details Amounts Limit Amount Collateral Amount Effective Line Amount Tenor Restriction Pool Code Pool Description Pool Currency Pool Amount Pool Utilized Prev Remarks Currency Restrictions Revolving Line Channel Intermediary Code Status Offline Application Number sync Availability Start Date Expiry Date Last Available Date Remarks Purpose Fee Required 1011 pm eror oas ume omean Remarks You can capture the following details here e Line details e Line Currency e Limit Amount Lauait Outcome e Start End and Last available Date of Facility For more details on capturing Limit details refer the section titled Maintaining Credit Facility Details in Enterprise Limits and Collateral Management user manual 1 14 7 Collaterals Tab You can capture the details related to the collaterals provided by the customer in this tab 1 38 ORACLE Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Lc Offline Application Number Customer Details Financials Limits Collaterals Requested Comments Collateral Details Start Date Linked Amount Collateral Id End Date Linked Percentage Number y
43. ets displayed The task is completed successfully 1 43 ORACLE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option Task Det Page tof 6D 0 Jumptopave ESI Ed Search Cl Hinr Ref he Tan Ref his Thin Aagienen rnu Assignee Users Customer Mame Ases Cranes Cie oO Ae F Document Write ALLROLES ALLRED 2210 0629 201710 ST Low d fi i aE Appisntion Emry AULAOLES ALLHEAD 00 07 04 16 41 27 ET Complele9 150 Pidhi dak gndigisgs E picados Entry ALLAOLES ALLAEAD 2210 07 01 18 57 11 ST Suara Receive And Verity ALLAOLES ACSEROLE ALLAES 2010 07 01 16 06 37 ET O Soestureneccoun sey decada entry Cu DEBA ALLAOLES ALLALAD 00 07 01 VOTO ST O Sstetendinat 267 pp cation Embry SBLLMOLES ALLMEZO 20 07 04 1900744 ST 5 paleston Emir ALLAOLES ALLAEAD 2010 07 04 194510 ST Appbcation Entry SULA LES ALLA AD 2010 07 01 18 55 62 BT Docurmam WENBESDOS ALLAOLES ALLALAD 210 002 1124074 151 Lowe L Asiofeodiatar nderwrking ALLAOLES ALLURE AD 2 0 1 1d 12 157 Lowe Task History AET Menu vinrkiinw Customer My Dash Board All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful
44. ferred interest rate of the prospective customer Tenor Specify the preferred loan tenor in months of the prospective customer Down payment Specify the percentage of amount that the prospective customer can provide as down payment Down payment Amount Specify the preferred amount that the prospective customer can provide as down payment 1 2 1 Loan Tab You can maintain the offers for the customer in the loan tab T ORACLE 4 Corporate Loan Simulation Details Corporate Loan Simulation Application Category Date Enquiry ID Product Code Branch Customer Details First Name Contact Number Customer No Last Name Email Id Requested Rate Down Payment Amount Currency Tenor Down Payment Requested Amount Loan Schedule Multiple Offers 10f1 lt il Loan Details Rate No of Installments Currency Value Date Units Loan Amount Maturity Date Frequency Down Payment Amount Installment Start Date Account Number Effective Rate Maker Date Time Mod No Checker Date Time Record Status Authorization Status Enter the following details here Offer Id Specify a unique identification for the loan offer being made to the customer No of Instalments Specify the number of instalments associated with the loan Units Select the units based on which the loan disbursement should be carried out The following options are available in the option list e Daily e Weekly e Monthly
45. he adjoining calendar button the date from which you require details 2 4 ORACLE To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 4 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch User ID and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Date Entered This indicates the date on which the application was entered Number of Applications This indicates the number of applications entered by the user Branch Total This indicates the total number of records for the branch 2 5 Underwriting Status By Month and Intermediary Report This report lists application status by month and producer for loans You can invoke the Underwriting Status By Month and Intermediary Report screen by typing CLRPUNMI in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Underwnting Status By Month and Intermediary Report Underwriting Status By Month and Intermediary Report Intermediary Code Brann i Specify the following details 2 5 ORACLE Intermediary Code Specify the code of the intermediary for which you wish to gene
46. ing Activities Credit Application Borrower Profile Risk and Mitigants Facilities Proposed Financial Performance Risk Department Approved Facilities Mitigants Risk Department pa o Assessment Terms and Conditions Borrower Market Position Recommended Prev Remarks Remarks L Audit Outcome You can capture the following details here e Assets Details e Capital details e Reserves Details e Surplus Details e Liabilities Details e Cash Flows e Credit Application Assets You can capture the following details corresponding to the loan applicant s assets Fixed Assets Specify the value associated with the fixed assets of the customer Intangible Assets Specify the value associated with the intangible assets of the customer Non Current Assets Specify the value associated with the non current assets of the customer Current Assets Specify the value associated with the current assets of the customer 1 35 ORACLE Capital You can capture the following details corresponding to the loan applicant s capital Issued Capital Specify the value associated with the issued capital of the customer Paid Up Capital Specify the value associated with the paid up capital of the customer Reserves You can capture the following details corresponding to the loan applicant s cash reserves Subsidy from Govt Specify the value of any subsidies the customer has obtained from the government General Reserves Spe
47. ion Category Date Intermediary Code Enquiry ID Purpose Status Priority Le Offline Application Defaut Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Invest 10f1 Yl verncaionnoe roer reon O OOOO OO O Lrepor Prev Remarks Remarks Laudit Outcome The following details related to the customer can be captured here e Verification Type e Verification agency You can view the investigation report associated with the customer by clicking the Report button 1 14 16 Loan Tab In the Loans tab the system displays the list of the multiple loan offers that are attached to the application category specified If you have selected an Enquiry ID for the customer then the loan details that have been stored for the corresponding loan proposal are displayed here You can modify these details if required 1 53 ORACLE Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Date Intermediary Code Application Category Status Enquiry ID Purpose Priority Loefaur Offline Application Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Multiple Offers 10f1 O aoon Loan Detail
48. lculating the credit score 1 49 ORACLE Risk Factor Specify the risk factor associated with the loan if any Description Specify a suitable description for the risk factor associated with the loan Click Calculate button to calculate the credit score and the grade based on the formula maintained for calculating the credit score The Grade and the Score are displayed based on this calculation 1 14 13 Ratio Tab In the Ratio tab the system calculates the stated and actual income debt ratios and also calculates the ratio based on What if payment amount Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Default Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio CreditScore Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Stated Actual Assets Monthly Income Monthly Income Liabilities Monthly Debt Monthly Debt Net Worth What if Payment Amt What if Payment Amt Ratios 10f1 LJ Prev Remarks Remarks audit Outcome The stated income and debt of the customer are displayed here You can capture the following additional details here Actual Monthly Income Specify the actual monthly income of the customer based on documentary
49. lity Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Collateral Details Start Date Linked Amount Collateral Id End Date Linked Percentage Collateral Category Number Collateral Description x a gt Collateral Type Collateral Currency Collateral Value Revision Date Haircut Market Value Based Guarantor Based Charge Type Security Id Guarantor Id Revaluation Date Units Nominal Value Rating Revalue Collateral Cap Amount Vehicle Details Identification Number Model Valuation Source Year Body Valuation Status Make Usage Evaluate Covenant Details 10f1 LJ Prev Remarks Remarks Audit J Outcome In this screen capture the following details 1 46 ORACLE Vehicle Details You can modify the details of the vehicle which is to be evaluated in the fields listed below Identification Number Enter the unique identification number associated with the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details Usage Specify the mileage used by the vehicle till date You can retrieve vehicle details from an external agency either by specifying the identification number for the vehicle or all of the following fields e Year e Make e Model e Body e Usage Valuation Source Select the valuation
50. llaterals Remisi n Date Haetut 1002 2412 2010 TESTIM OFFLINE Comments NGUT Charge Type Revaluation Date Revalue Collateral Linked Amount Linked Percentage Number Save Add Cancel intermediary Code 000000005 Status NEW APPLICATION Aud J Cartel a Market Value Based Secunty id Units omanal Value Cap Amour Guarantor Based Guarantor ld Rating Ad Cancel i Stan Month For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 15 3 7 Comments Tab In this tab you can capture the following details e User Comments e User who commented and Date the comments were given Smchnanize Application Details Application Number Application Category CORPORATE 1 Application Entry ProduciCode W3 Synchronization Ledid HER LO N Customer Details Financials Requested Comments Comments CORPORATE CorporabeLending1002 mAg a User Reference Humber Daie 24 12 8010 i002 El Purpose TESTIN Channel OFFLINE Collaferals Comments Comment By 294650 Save Add Cancel 000000005 NEW APPLICATION se intermediary Code Stabs Add Cancel Comment Dato 24 12 2010 For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 67 ORACLE
51. lowing details here Sequence Number The sequence number is automatically generated by the system Score Specify the score associated with a credit risk Grade Specify the credit grade based on the score obtained Viewing Credit Rule Summary You can view a summary of the credit rules in Rule Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 1 11 ORACLE 1 6 Rule Maintenance Authorization Status Record Status Ruleta dR Advanced Search Records per page 15 Mo Authorization Status Record Status Rule ld You can specify any of the following details to search for a record e Authorization Status e Record Status e Rule ld Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Credit Ratios You can maintain the rules to calculate the credit ratios in Credit Ratio Maintenance screen You can invoke this screen by typing ORDRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 1 12 ORACLE 1 6 1 LMC Eloibility Ratio Group ld Type Retail Description Corporate Ratio Iel 101 LI Make
52. n Corporate Loan Underwriting screen 1 45 ORACLE Step 3 Underwriting In this stage the bank assesses the eligibility of the borrower for the requested loan offer based on the analysis of the borrower s financial ratios and credit scores The bank also obtains credit details from external agencies and field investigation agencies The tasks in underwriting stage are also carried out by the user role CMROLE After ascertaining the eligibility of the customer the bank provides a facility offer to the borrower and generates payment schedule and schedule details The advices that are maintained for the stage are generated on completion of the stage In this stage the bank also conducts vehicle evaluation based on the details that have been captured at the Application Entry stage This evaluation can be done with details from an external agency in the collateral tab 1 14 11 Collateral Tab You can carry out the evaluation of vehicles in the collateral tab Here the details provided as part of the Application Entry stage are defaulted which you can modify The evaluation can be done by interfacing with external agencies Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Default Number Customer Details Financials Limits Collaterals LMC Eligibi
53. n of this stage the advices that are maintained for the stage are generated The verifier can either send the application back to the previous stage if the information provided is not adequate or can cancel it if the information captured is not satisfactory If the application details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process On successful verification a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to ope
54. nce screen by typing ORDCATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 1 21 ORACLE Application Category Maintenance Detail Application Category Loan Type Category Description Rule Id Ratio Id Main Agency Product Details 10f1 LJ Offer Details 10f1 ry Offer Id No of installments Units Frequency Rate Rate Code Spread Effective Rate Default O Maker Date Time Mod No Checker Date Time Record Status Authorization Status You can specify the following details in this screen Application Category Specify a unique identification for the loan application category Category Description Specify a suitable description for the loan application category Rule Id Specify the credit rule to be associated with the application category or select the Rule Id from the option list provided Ratio Id Specify the credit ratio to be associated with the application category or select the Ratio Id from the option list provided 1 12 1 Main Tab You can capture the following details in the Main tab Product Details You can specify the following details related to the loan product here Product Code Specify the identification code of the loan product to be linked to the application category being maintained You can also select the product code from the option list provided 1 22 ORACLE Product Des
55. nder Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Approval screen Step 4 Facility Approval In the Loan Approval stage the approver verifies the facility loan application analyzes the applicant s financial status credit rating and field investigation reports and based on the credit worthiness of the customer approves the loan offered to the customer Users belonging to user role CMROLE are authorized to perform these tasks Corporate Loan Approval Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Defauit_ Purpose Status Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList
56. nding loan proposal are displayed here Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Loefault Number Customer Details Financials Limits Collaterals Requested Comments Loan Requested Sequence Number Requested Amount Down Payment Amount Product Code Interest Rate Promotion Id Currency Tenor In Months Remarks Itemizations 1011 a comens OOOO O d Prev Remarks Remarks L Audit Outcome You can capture the following details here Product Code Specify the corporate lending product to be used for initiating the loan or select the product code from the option list provided Requested Amount Specify the loan amount requested by the prospective customer Currency Specify the loan currency preference of the customer or select the currency from the option list 1 40 ORACLE Intrate Specify the preferred interest rate of the prospective customer Tenor in months Specify the preferred loan tenor in months of the prospective customer Down payment Amount Specify the preferred amount that the prospective customer can provide as down payment Promotion Id Specify the promotion Id of the loan offer being requested by the customer Remarks Specify remarks if any associated with the loan application You can als
57. o capture the following itemization details corresponding to the requested loan itemization Specify the tenor itemization that is required For example you can specify the itemizations like Booking Amount Payment Interiors etc Requested Amount Specify the amount requested corresponding to the itemization specified Comments Specify comments if any corresponding to the itemization 1 14 9 Comments Tab In this tab you can specify comments if any related to the loan application 1 41 ORACLE Corporate Loan Application Entry Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application Defautt Number Customer Details Financials Limits Collaterals Requested Comments Comments 10f1 Prev Remarks Remarks Audit Outcome You can specify the following details here Sequence Number The sequence number is automatically generated by the system Comments Specify comments if any to be associated with the loan application Comment Type Specify the type of the comment given Comment Date Specify the date on which the comment was given or select the date by clicking the Calendar icon 1 14 10 Capturing Document Details You can upload the scanned documents in Documents sub screen To invoke this screen click Documents button in Corpo
58. o define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit ratio calculation formula Operators Select the mathematical operator to be used to define the credit ratio calculation formula You can select Y or 7 1 14 ORACLE 1 7 1 8 Viewing Credit Ratio Summary You can view a summary of the credit ratios in Credit Ratio Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Ratio Maintenance Authorization Status Record Status bi Group ld A Search Advanced Search Records per page 15 Authorization Status Record Status Group ld You can specify any of the following details to search for a record e Authorization Status e Record Status e Group ld Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Override Details You can maintain the formulae to verify if overrides need to be generated dynamically in Override Maintenance screen You can invoke this screen by typing ORDOVDMT in the field at the top right corner of the Application tool ba
59. ol bar and clicking the adjoining arrow button Category Details Authorization Status Record Status a Application Category Q Search Advanced Search Records per page 4 of 1 Authorization Status Record Status Application Category Category De You can specify any of the following details to search for a record e Authorization Status e Record Status e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 25 ORACLE 1 14 Stages in Corporate Loan Origination The different stages in corporate lending process flow are designed using Oracle BPEL framework The process of loan origination consists of several manual as well as system tasks carried out in a sequential manner Many users can be involved in the completion of a transaction and at each stage of the process a user or a group of users assigned with a task acquire and work on the relevant transaction Oracle Business rules that are embedded help the dynamic creation of multiple approval stages The different stages and sub stages in the process flow can be summarized as follows e Application Entry Y Y VW VW VV VV WV Y Information captured in this stage include Applicant Information Corporate Information Directors Information Application details Requested Loan Details Facility Information Collateral Det
60. on By User Report e Underwriting Status By Month and Intermediary Report e Underwriting Status By Month and Underwriter Report e Underwriting Status By Month Report To generate any of these reports choose Reports in the Application Browser Choose Corporate Lending under it A list of all the reports in Corporate Lending module will be displayed You can choose to view or print the report Prefunding Contract Report This report lists out all the applications verified for loans You can invoke the Prefunding Contract screen by typing CLRPPFCR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Prefunding Contract Prefunding Contracts Report e E Specify the following details Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system 2 1 ORACLE From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 2 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch and the Period fo
61. proof provided Monthly Debt Specify the actual monthly debt of the customer based on documentary proof provided Click Calculate Ratios button to calculate the asset liability ratios for the customer 1 50 ORACLE What if Pmt Amt Specify the EMI amount that the customer is ready to pay Click Update Ratio button to update the asset liability ratios for the customer taking into account the EMI payments also The ratios for Installment Loan To Value and Disposable Income are calculated for the following conditions e Stated Before e Stated After e Actual Before e Actual After 1 14 14 Bureau Tab You can interface with external credit bureaus and view report obtained from them in Bureau tab Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority L Offline Application L Default Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments External Credit Rating 10f1 Yl emangna e O O OOOO O O O F Lrepor Credit Bureau Details 1011 OMT Remas Repo S OOO OOO O OOOO OOOO OO O Lrepor Prev Remarks Remarks Laudit Outcome The credit agencies and the bureaus maintained for the Application Category are displayed in this
62. quested Limits Colas Commens Add Cancel Line Details Ammounts Availability a Line Code LINEOZ Limit Amount 100000 Start Date F Line Se al 1 Collateral Amount Expiry Date F Main Line Coda Efectre Line Amour LastAvailahloDate Line Currency GBP a Currency Resticteon Remarks Expected Limit Amount Revolving Line CI Pupose Fed Required Application Entry synchronization E ocin Lino Amount Bast Pool Details Pool Code 104 Pool Currency GBP Pool Utilized Pool Description Fool Amount 3000 Tenor Restriction Tenor Days Heed to man Utilization For details on this screen refer the corresponding tab in the Corporate Loan Application Entry screen described earlier in this manual 1 15 3 6 Collaterals Tab In this tab you can capture the following details e Collateral Code and description e Collateral Currency e Collateral Value 1 66 ORACLE Simehrontos Application Details Appbca icn Humber Application Category ProduciCode Lead ld Cuzon Details Financials Application Entry Collateral Details a Collateral Coda Collateral Description Collateral Currency synchronization Collateral Value Siari Date End Dale Collateral Category Collateral Type BILUNG Normal Covenant Details Covenant Names Ho rows yei Requested Leris 5 5 e Comporatel ending 1002 CORPORATE 1 vwa e VEH LD 01 Revision Date a User Reference Humber Daie Purpose Channel Co
63. r Date Time Mod Mo Checker Date Time Record Status Authorization Status You can specify the following details in this screen Group Id Specify a unique identification code for the ratio group Description Specify a suitable description for the ratio group Type Select the type of the loan from the following options available e Retail e Corporate Ratio Id Specify a unique identification for the credit ratio being maintained Description Specify a suitable description for the credit ratio Specifying Formula Details You can specify the formula to calculate the credit ratio by clicking the Formula button corresponding to a ratio Id The Formula screen is displayed where you can specify the condition for calculating the credit ratio associated with a ratio ld 1 13 ORACLE Formula Wizard Formula 1011 Elements Functions Braces Operators You can specify the following details here Ratio Type Select the type of the ratio being maintained from the drop down list provided The following options are available e Stated Before e Stated After e Actual Before e Actual After Condition The condition specified using the Elements Functions Operators etc gets displayed here Elements Specify the data elements to be used to define the formula for credit ratio calculation or select the element from the option list provided Functions Select the mathematical function to be used t
64. r and clicking the adjoining arrow button 1 15 ORACLE 4 Override Maintenance Process Code Type Retail Application Category Corporate Stage Description Overrides 101 LI Elements Functions Braces Operators Logical Operators Maker Date Time Mod No Checker Date Time Record Status Authorization Status You can specify the following details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided Application Category Specify the category to which the loan application belongs or select the application category from the option list provided Type Select the type of the loan from the following options available e Retail e Corporate Stage Select the stage of the loan origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Loan Approval etc Description Specify a suitable description for the loan origination stage 1 16 ORACLE 1 9 Overrides Here you can capture the details of the conditions to be checked for generating override messages Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Error Code Specify the error code to be used to generate the
65. r which the report is generated Body of the Report The following details are displayed in the report Loan Application Number This indicates the application number for the loan Contract Date This indicates the contract date Amount This indicates the contract amount Contract Rate This indicates the rate for the contract Contract Term This indicates the duration of the contract Branch Total This indicates the total number of records for the branch 2 3 Funded Contracts Report This report lists the applications funded for the loan You can invoke the Funded Contract screen by typing CLRPFNCR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 2 2 ORACLE Funded Contract Funded Contracts Report Branch Code O W Specify the following details Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 3 1 Contents of the Report The contents of the report are discussed under the following heads Header The H
66. rate Loan Application Entry screen 1 42 ORACLE Main Advices Document Upload 101 B Document Category Document Reference Document Type Upload view fo O L upload Lview You can capture the following details in this screen Document Category Specify the category to which the document belongs or select the document category from the option list provided Document Reference Number Specify a unique reference number for the document being uploaded Document Type Specify the type of the document or select the document type from the option list provided Click Upload button to upload the documents or View button to view the documents After specifying the mandatory details in Application Entry screen select the Outcome that you wish in the lower portion of the screen To move to the next stage select PROCEED as the outcome and click the Save icon You can select CANCEL to terminate the process if required The following validations are carried out in this stage e If any of the mandatory documents are missing the system displays an error message e If any of the override documents are missing the system displays an override message e lf any mandatory customer information is missing the system displays error messages You will not be able to proceed to the next stage without correcting the errors if any On successful completion a message stating that the task is successfully completed g
67. rate the report You can also select the ID from the adjoining option list The list contains all the valid intermediaries maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 5 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Intermediary Code Month for which report is being generated and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Type This indicates the type of application Approved No This indicates the number of applications approved for the intermediary for the month specified Conditioned No This indicates the number of applications conditioned for the intermediary for the month specified Rejected No This indicates the number of applications rejected for the intermediary for the month specified Total This indicates the total number of application
68. rvices Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
69. s Oracle FLEXCUBE facilitates the capturing of information for corporate loans at the client site even when the client is not connected to the network This feature is designed using Oracle Lite 10g mobile network To use this facility the client is required to have Olite web application downloaded from an URL when connected over network from the server Snap shot of the required tables would be installed along with OC4J server to run the application standalone in the Laptop To enable authorized people to get access to the latest data for creating loans synchronization of data for banking parameters from the centralized database to the database of the client is done After the offline applications have been created and the mobile application is synchronized with the corporate database the applications are pushed into a queue created for applications originating out of the offline application If any additional information is required this can be entered by the users within the Oracle FLEXCUBE system The validations required for the loans are done within the bank network when the network is online The offline application allows the capture 2 records of address employment details for both the primary and co applicants The process of creating the loan application is detailed below 1 15 1 Logging In A user can access the offline application by logging in to the mobile client application using the URL provided These users should be defined in
70. s No of Installments Unit CL Account Number Down Payment Amount Loan Currency Value Date Loan Amount Maturity Date Frequency Effective Rate Installment Start Date Lapp Prev Remarks Remarks auaitd Outcome The details related to the loan offer like the number of installments frequency unit interest rate etc are displayed here Select the reuired offer by clicking the Check option and click then click the Apply button to apply the selected loan offer The details corresponding to the selected loan offer are displayed in Loan Details section You can modify these details if required and click Apply button to calcualte the schedule details The payment schedules are derived based on the offer selected S You can select only one loan offer in this screen 1 14 17 Schedule Tab In Schedule tab the system calculates and displays the payment schedules and the schedule details based on the loan offer selected If you have selected an Enquiry ID for the customer then the schedule details that have been stored for the corresponding loan proposal are displayed here You can modify them if required 1 54 ORACLE Corporate Loan Underwriting Stage Workflow Reference Priority Low Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Low Offline Application Number Customer Details Financials Limits Colla
71. s corresponding to the financial performance of the corporate customer s customer Borrower Market Position Specify the details corresponding to the market position of the corporate customer s customer Risk and Mitigants Specify the details corresponding to the risk and mitigants associated with the corporate customer s customer Risk Department Mitigants Specify the inputs from risk department related to the risk mitigants associated with the corporate customer s customer Risk Department Assessment Specify the risk department s assessment corresponding the corporate customer s customer Facilities Proposed Specify the details corresponding to the facilities that have been proposed by the corporate customer Approved Facilities Specify the details corresponding to the facilities that have been approved by the corporate customer Recommended Specify the details corresponding to the facilities that have been recommended by the corporate customer Terms and Conditions Specify the terms and conditions associated with the credit application 1 14 6 Limits Tab You can capture the Facility Information in Limits tab Corporate Loan Application Entry Workflow Reference Application Number Application Category Enquiry ID Priority Ldefaut Customer Details Financials Limits Priority User Reference Date Purpose Collaterals Requested Comments Line Details Line Code Line S
72. s for the intermediary for the month specified Funded No This indicates the number of applications funded for the intermediary for the month specified Total Applications This indicates the percentage of the total applications that was actually Funded funded for the intermediary for the month Monthly Total This indicates the number of applications for the intermediary for the ee ORACLE 2 6 Field Name Field Description month specified Branch Total This indicates the total number of applications for the intermediary for the month specified in the particular branch Underwriting Status By Month and Underwriter Report This report lists application status by month and underwriter for loans You can invoke the Underwriting Status By Month and Underwriter Report screen by typing CLRPUNMU in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Underwriting Status By Month and Underwriter Report Underwriting Status By Month and Underwriter Report User ld Brann Specify the following details User ID Specify the ID of the user for which you wish to generate the report You can also select the ID from the adjoining option list The list contains all the valid users with underwriter role maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The li
73. st contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser 2 7 ORACLE 2 6 1 Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Underwriter Code Month for which report is being generated and the Period for which the report is generated Body of the Report The following details are displayed in the report Funded No This indicates the number of funded applications Total Applications This indicates the percentage of total applications that have been Funded funded Monthly Total This indicates the total number of applications for the month for the underwriter Branch Total This indicates the total number of applications for the branch 2 7 Underwriting Status By Month Report This report lists application status by the month for loans You can invoke the Underwriting Status By Month Report screen by typing CLRPUNMN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Underwriting Status By Month Report Underwriting Status By Month Report pranch id 2
74. t the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Document Verification screen Any advices maintained for this stage are generated after the completion of the stage Step 5 Document Verification In the Document Verification stage the documents captured in the previous stages are verified It is ensured that all documents in the checklist maintained are obtained from the customer In this stage the application and applicant information captured as part of the previous stages undergoes a final verification Users belonging to user role CMROLE are authorized to perform these tasks 4 Corporate Loan Document Verification Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code L Default Purpose Status Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Applicant Details Customer No Name Fields Short Name National Id _De dupe Der Customer Category Loan Existing Currency Language Incorporation Account Class Country Date Account Nationality Capital Net
75. terals LMC Eligibility Ratio CreditScore Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Schedule 10f1 Im conponetname Sonecue Te FratOueale no reweney unis amount Payment Details 10f1 Um Component name TEN Prev Remarks Remarks Outcome The following details related to the schedule are displayed here e Component name e Schedule type e First due date e Number e Amount For each component of the components listed the system calculates and displays the details like the Due Date Amount Due EMI Amount and Amortized Principal 1 14 18 Charges Tab In Charges tab the system calculates and displays charges if any applicable 1 55 ORACLE Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Low Offline Application Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Details 10f1 my componeniname a e OO OOOO Prev Remarks Remarks Auait Outcome The system calculates and displays the charge details associated with the loan The following details are displayed e Component Name e Event Code e Associated currency e Amount Waive Check this box to w
76. the customer Comments Specify comments if any associated with the loan application 1 14 21 Comments Tab In this tab you can capture the comments by the users Corporate Loan Underwriting Stage Workflow Reference Priority Application Number User Reference Channel Application Category Date Intermediary Code Enquiry ID Purpose Status Priority Offline Application L Default Number Customer Details Financials Limits Collaterals LMC Eligibility Ratio Credit Score Bureau Investigation Requested Loan Schedule Charges Fields CheckList Comments Comments 10f1 LI Prev Remarks Remarks Audit Outcome You can capture the following details Comments Specify comments if any to be associated with the loan application Comment Type Specify the type of the comment given Comment Date Specify the date on which the comment was given or select the date by clicking the Calendar icon If the underwriting stage is successfully completed the underwriter can proceed with the processing of the application by selecting PROCEED as the Outcome The underwriter can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process 1 58 ORACLE On successful completion a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned u
77. vesveucdvbebevseveasves 1 25 LIA STAGESIN CORPORATE LOAN ORIGINATION ai ii cis 1 26 LAA Proces S T TOWER 1 27 TAA Sd OF GL ASE Y LT Y A RENO 1 27 TAS CUON EMD vate eases AS dd eae a vats DO ene alos gd CIR Gs Benth a Elna AE edo 1 31 TAB DS ei eno e ed co 1 33 TATI EIA CIS Le den a cena co 1 34 DATO LS a al e cc eas 1 37 DATES Collaterals A a el e 1 38 ds CT AYA CL AO tos 1 40 TARDE COMTE LODO A EE A O isis 1 4 1 14 10 Capita DOCUMENTED eS SAD AE 1 42 1 14 11 COLI CVA NO AE E O beis 1 46 1 14 12 CREATOR 1 49 1 14 13 AE A O De Re Er ete ne E OTA 1 50 1 14 14 DTC o a 1 51 1 14 15 TADOS e e ed e e 1 52 1 14 16 NAAA A SA 1 53 1 14 17 S AU e RA A A A OR 1 54 1 14 18 CGI GOS TOD A oca 1 55 1 14 19 PES O A e rd 1 56 1 14 20 EUA SE oe eae EA RRA T 1 57 1 14 21 COMMISSION raciones 1 58 1 15 CREATING OFFLINE LOAN APPLICATIONS ccssccsssccsceccsccseccccveccsccescecceccacceeccecveccascesesccvecsaccecsccveccesesecs 1 61 SN NS PA O MO O sal de ire E TEA E 1 61 E IE AENA AAA AN A EENAA RE AEE S 1 62 LIIS CaO ADICON AAA RIA AAA A 1 63 REPORTS cia A AS AA SS AS 2 1 2A INTRODUCTION A is A ET 2 1 22 PREFUNDING CONTRACT REPORT es 2 1 22 Contents of MERO li a 2 2 Ue FUNDED CONTRACTS REPORT id o 2 2 2 3 1 Contents of MERO rd o ia e 2 3 2 4 CREDIT APPLICATION BY USER REPORT cnn id cas 2 4 2 4 1 Conis OF Me REDOT sd A AA A RATA AAN EN 2 5 DO UNDERWRITING STATUS BY MONTH AND INTERMEDIARY REPORT cccccecccsccssc

Corporate Loan Origination User Manual

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