Home

Corporate Loan Origination

1. Specify the following details Formula Ratio Type Select the ratio type from the adjoining drop down list This list displays the following values e Stated Before e Stated After e Actual Before e Actual After 228 ORACLE Condition Specify the condition here You can also maintain the condition in the Condition Builder screen which is invoked by clicking the Condition Builder button Sel Condition undefined 7a Business Rule Braces Te i as C i Specify the following details Condition Specify the condition for the rule here Business Rule Braces Select the braces from the adjoining drop down list Functions Select the functions from the adjoining drop down list Elements Select the elements from the adjoining option list This list displays all valid elements maintained in the system Operators Select the mathematical operators from the adjoining drop down list This list displays the following values e Equal To e Greater Than e Greater Than or Equal To e Less Than e Less Than or Equal To e Like e NotLike e Not Equal To oe ORACLE Logical Operators Select the logical operators from the adjoining drop down list This list displays the following values e And Use And e Or Use OR Value Specify the value of the SDE to define the condition The value may be numeric or alphanumeric as require
2. 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 a ORACLE 2 13 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 Cf advanced Search Reset Authorization Status Record Status Process Code z Application Category Records per page 15 v Authorization Status Record Status Process Code Application Category 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 Maintaining Document Details You can maintain the list of documents that are required during the loan origination process in Documents Verify 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 aa ORACLE You can invoke Documents Verify
3. You can specify any of the following details to search for a record e Authorization Status e Record Status e Enquiry ID e Customer Number ae ORACLE 2 6 2 6 1 e First Name e Last Name e Contact Number 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 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 Details E New amp enter Query Rule Id Account Description Type Retail ET Risk Factor Question Details 1 Of 1 m Questionid Category Question Answer Details 10f1 Sequence Number Possible Answer Rating Auto Decision Maker Date Time Checker Date Time Mod No 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
4. 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 By System displays the name of the commenter Comment Date The system displays the date on which the comment was added Capturing Document Details You can capture the customer related documents in central content management repository through the Documents screen Click Documents button to invoke this screen 200 ORACLE Documents Document Category Document Reference Document Type Remarks Ratio Upload Upload View Here you need to specify the following details Document Category Specify the category of the document to be uploaded Document Reference The system generates and displays a unique identifier for the document Document Type Specify the type of document that is to be uploaded Ratio Upload Check this box to view the calculated financial ratios which is obtained by uploading the excel sheet balance sheet income statement statement of cash flows etc On clicking the Vertical Analysis button system displays the calculated ratios in ratio tab of underwriting stage Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below Documents El Ad
5. Header Body of the Report The contents of the report are discussed under the following heads 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 The following details are displayed in the report Field Name Field Description Branch This is the branch Product code This is the product code Application Num ber This is the loan application number Stage This is the stage at which the application lies Application Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Rate This is the rate of interest applicable Total This indicates the branch total ee ORACLE Cc CLRPCAUR oseere 2 4 CLRPCAUR ee 2 4 CLRPEFCR wicne ein Sete 2 3 CLRPFNCR ee 2 2 CLRPPFCR iiac 2 1 GLRPPEGR xeccsiccsceceaieiits 2 1 CLRPUNMU 2 Function ID Glossary ORACLE
6. The applicant will be verified for the external KYC check ORDCLEKC PROCEED CANCEL 2 46 ORACLE Stage Stage Title Description Function ID Exit point 5 Underwriting 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 ORDCLUND VERIFY PROCEED RETURN CANCEL 6 Loan Approval Facility Approval ORDCLAPR PROCEED RETURN CANCEL 7 Document Verification Document Verification Final Verification Customer Creation Loan Account Creation Advice Generation ORDCLDVR PROCEED RETURN CANCEL 8 Manual Retry This stage is optional Task will be moved to this stage only when the system is unable to cre ate Customer Cus tomer Account Liability Facility Collateral pool Loan You can make the necessary changes amp retry ORDCLMCU PROCEED 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 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 ba
7. ee eccccceeeeeteee eee eenneeeeeeenaeeeeeeeeaeeeeeeeeneeeeeeenaaes 2 30 2 12 Viewing Override SUMMALY ccceeeeeeeeeeeeeeeeeeeeeaaeeeeeeeaaeeeeeeeaaeeeeesenteeeeeeeaes 2 31 2 13 Maintaining Document Details ee eeceeee eee enneeeeeeeeeeeeeeeeeaeeeeeeeeaeeeeeeeaaes 2 32 2 14 Viewing Document Checklist SUMMALY cece eeceeee eee eeeeeeeeeettaeeeeeetnaeeeeeteaaes 2 34 2 15 Maintaining Application Category Details 0 eeccceceeeeenteeeeeeeeeneeeeeeettaeeeeenenaaes 2 35 2154 Main TaD tice ect soc tented nn EAEN A tate en erate eee E EATE EA R eet 2 36 2 1 9 2 AQCNCY FAD ites eel iit hes dessa dade i eiA ania ARRAT A EAER A sevice EEC liens tae 2 37 2 16 Viewing Application Category Summary cece eeteeeeeeeetteeeeeeeeneeeeeeetaeeeeeeenaaes 2 38 2 17 Maintaining Pricing Details eec rerea e Ea AEA EEE EAEEREN 2 39 2 18 Viewing Pricing Details Summary sseseessssseeessrneserernneesrnnnnesenenneentnnnnesentnneeenanane 2 40 2 18 1 Maintaining Pricing Formula ccccccceceeee cee tnnneeeeetnnneeeeeetnneeeeeetiaeeeeneeaa 2 41 2 18 2 Maintaining Pricing ORe sssri ieia aarin na Aa Aia 2 43 2 19 Stages in Corporate Loan Origination eceeeeeeeeeeeeeenteeeeeeeenaeeeeeeeeaeeeeeeeaes 2 44 2 19 1 Process Flow DISINI irria e e anr E AAEE VERITE AT AE E 2 45 219 2 Proce SS MAID aa a aaa a a A aA A aa A a e 2 46 254913 Main Tabs are E OAO AE A ahs 2 49 2 19 4 Details Tab rrii airian nii iE EAE AAEE EAE a
8. ial a Account Class Details 101 Ea Account Class Account Description La Enim No of Installments Units Frequency Rate Code Default Daily 6 Maker Mod No 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 Pricing Group Specify the pricing group The pricing group comprises of the multiple pricing IDs containing formula 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 Product Description The description associated with the selected loan product gets displayed here 238 ORACLE 2 15 2 Default Check this box to indicate if the loan product selected should be maintained as the default product for the application catego
9. 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 Loan Activities Specify the cash flow value associated with the loan 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 details 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
10. Leadid Application Number f Product Code Enquiry ID La User Reference _ Description i Priority Low Application Branch 000 Status New Application X Application Date 2011 01 04 _ Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Stated Analysis Assets Vertical Analysis Liabilities Net Worth Ratios 10f1 E Ratios Description Actual gt Documents Tradeln KYC Review CustomerDedupe LoanDedupe Customer MIS Customer AccountMIS Customer AccountFields a Previous Remarks Remarks Audit 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 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 What if Pmt Amt Specify the EMI amount that the customer is ready to pay Click on the Calculate button to calculate the ratio has to be specified Bureau Tab You can interface with external credit bureaus and view report obtained from them in Bureau tab ate ORACLE Corporate Loan Underwriting Stage les Save Hold Application Category Leadid Application Number Product Code Enquiry ID la User Referenc
11. Vehicle Evaluator Vehicle Details Valuation Source INTERNAL Model Identification Number Body Year Usage Make Vehicle Valuations Wholesale Value Attribute Value Retail Value Total Value Usage Value Vehicle Attributes 10710 Attribute Description Attribute Code Attribute Value Package Included o A o 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 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 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 218 ORACLE 2 19 18 Corporate Loan Underwriting Stage H save Mhod Application Category Product Code Description fal Application Branch 000 Application Date 2011 01 04 Leadid Enquiry ID Application Number User Reference Priority Low v Pa Status New Application v Main Details Financials R
12. stage will be skipped e RECOMMEND APPROVAL Applications need to be approved manually in Loan Approval stage after the Underwriting Stage e RECOMMEND REJECT Applications need to be approved manually in Loan Approval stage after the Underwriting Stage e AUTO REJECTED Applications proceed to the Application entry stage from Application verification stage again 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 Rule Maintenance C advanced Search Reset Authorization Status Record Status Rule Id Records per page 15 v Authorization Status Record Status Rule Id Account Description You can specify any of the following details to search for a record e Authorization Status e Record Status e Rule ID 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 daa ORACLE 2 8 2 8 1 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
13. u az FEJ Document Category Select the document category from the adjoining option list Document Reference Specify the document reference Document Type Select the type of document from the adjoining option list Remarks Specify remarks if any Ratio Upload Check this box to enable ratio upload Upload Click on Upload button to upload the document View Click on View button to view the uploaded document The document upload from the external system is allowed only when e the customer submits the loan request from the external system a0 ORACLE 2 2 6 e the status in the Prospect Details screen is Additional Documents Required e The documents uploaded by the customer through the external system is stored in the Document Management System with a document reference number Conversation Details Click on Conversation in the Prospect Detail screen to invoke the Conversation Input screen Conversation Input ustomer Details Customer ID 000003171 onversation Details Conversation ID 0000001075 Conversation Date Conversation Time Last Changed On Department Details Department 2011 01 04 E 17 11 2011 01 04 17 11 00 Customer Name Priority Conversation Status Target Closure Date Other Department Assigned To Low x Open X is lad Conversation Category Venue Conversation Mode Senior
14. 3 Fund MIS 3 Transaction MIS 4 Composite MIS 4 Fund MIS 4 Transaction MIS 5 Composite MIS 5 Fund MIS 5 Transaction MIS 6 Composite MIS 6 r Fund MIS 6 Transaction MIS 7 Composite MIS 7 Fund MIS 7 Transaction MIS 8 Composite MIS 8 Fund MIS 8 Transaction MIS 9 Composite MIS 9 Fund MIS 9 2 19 19 3 Capturing Loan UDF Details You can capture the Loan UDF details by clicking Loan Fields button in Corporate Loan Underwriting screen System displays the Loan UDF screen where you can capture the details ant ORACLE Application Number Product Code Character Floids 2 2 g ie S ie S ie I ie G ie S S S ie a fe ie 2 c ie ie S ie c ia fe c ie S Number Fields Inn non onoo 2 19 20 Investigation Tab In this tab the system captures the field investigation details associated with the customer Corporate Loan Underwriting Stage H save Hoia Application Category Leadid Application Number if Product Code Enquiry ID a7 User Reference Description S Priority Low X Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Invest 10f1 E F Verification Type Agency a Documents Tradein KYCReview CustomerDedupe LoanDedupe CustomerM
15. Financials Tab You can capture the financial details corresponding to the customer in this screen Corporate Loan Application Entry les Save Hold Application Category z Leadid Application Number CorporateLending3785 0 Product Code Enquiry ID User Reference Description Priority Low Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral 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 P Term Liabilities Operations Activities Current Liabilities Investing Activities Financing Activities Credit Application Borrower Profile Risk and Mitigants Facilities Proposed Financial Performance Risk Department Approved Facilities Borrower Market Position Mitigants Recommended Risk Department Terms and Conditions Assessment Documents Tradein CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit aoe ORACLE 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
16. 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 Capital You can capture the following details corresponding to the loan applicants 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 Specify 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 Ze ORACLE 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
17. ID User Reference Description Priority Application Branch 000 Status New Application Application Date 2011 01 04 UEY Details Financials Requested Limits Collateral Comments Channel KYC Required External Credit Check Required Intermediary Group Auto Decision Required s Applicant Details Branch Short Name Telephone ISD Code Customer No Customer Name Telephone Existing Customer National ID Fax ISD Code y Category Fax Group Code RMID Language RM Name Country Nationality Account Details Incorporation Business Description Account Branch Date Account Class Currency Account Capital Net Worth Country Documents Tradein CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit 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 completion 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 re
18. adjoining option list displays all valid rate codes You can select the appropriate one Code Usage Select the code usage from the adjoining drop down list The options available are e Periodic e Automatic Resolved Value When you click Apply Button in the Financial Section the system calculates the resolved value Intermediary Intermediary Code Specify the intermediary code The adjoining option list displays all valid intermediary codes You can select the appropriate one Intermediary Ratio System displays the intermediary ratio 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 oe ORACLE 2 19 22 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 Note You can select only one loan offer in this screen Component Tab In Component tab the system calculates and displays the component 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 displaye
19. click on the Default button Priority Select the priority for the creating export LC from the adjoining drop down list This list displays the following options e Low e Medium e High Status The status of the application gets displayed here Click Default button to default the details related corresponding to the prospective loan customer Main Tab In Main 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 Channel Specify the channel ID of the originating channel Intermediary Group Specify the identification code of the intermediary group if the customer has been associated with any KYC Required Check this box to indicate that the customer verification is required for this applicant If you check this box the system will evaluate a business rule Based on that rule the system initiates internal KYC or External KYC or both during application entry and verification stage If you do not check this box the system then system skips the Internal KYC and External KYC stages after completing the application entry and verification stages Auto Decision Required Check this box to enable auto decision on loan application If you check this box based on the applicant credit score auto decision mapping maintained in Auto Decision screen the a
20. description of the price group Price Type Specify the price type associated with the price group You can choose one of the following price types e Corporate e Retail Pricing Details Specify the following details Price ID Specify a unique price ID This price ID can be applied to a loan at underwriting stage Price Description Specify a brief description of the price ID Default Check this box to set this as the default price ID for the price group that you maintain Viewing Pricing Details Summary You can view the pricing details maintained in the Pricing Details screen To invoke the screen type ORSPRCMT in the field at the top right corner of the application toolbar and click the adjoining arrow button a0 ORACLE 2 18 1 Pricing Details Authorization Status Record Status Price Group ID at Description Price Type Records per page 15 v 1011 Authorization Status Record Status Price Group ID Description Price Type In this screen you can base your queries by providing any or all of the following criteria Application Status Price Group ID Price Type Record Status Description Based on the details provided system displays the following details Authorization Status Record Status Price Group ID Description Price Type Maintaining Pricing Formula Click Formula button to define the pricing rule for each price ID You can define the formula using originatio
21. e Not Equal To Logical Operators Select the logical operators from the adjoining drop down list This list displays the following values e And Use And e Or Use OR Value Specify the value of the SDE to define the condition The value may be numeric or alphanumeric as required for the condition After building the condition click the Insert button to insert the same To remove a condition click the Clear button in the screen Defining Template for Calculating Ratios You can define templates for calculating financial ratios taken from the balance sheet income statement statement of cash flows or statement of retained earnings within the product You can capture the template related details through the Ratio Template Definition screen oe ORACLE You can invoke this screen by typing ORDTEMDF in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ratio Template Definition Eb new enter query Industry Sheet Name Sheet Description Worksheet 10F1 E Worksheet Name Worksheet description Work sheet Required SDE Details 1 Of 1 G EE T SDE Name SDE Description Data Type Category Sub Category SDE Type gt Date Time Maker Checker Mod No Record Status Authorization Status Date Time Specify the following details Industry Specify the industry
22. from the drop down list Date of Birth Specify the date of birth of the customer or select the date by clicking the Calendar icon provided Mother s Maiden Name Specify the customer s mother s maiden name Marital Status Select the marital status of the prospective customer from the drop down list The following options are available e Married e Unmarried e Divorcee Dependents Specify the number of dependents for the customer SSN Specify applicants SSN Passport Number Specify the passport number of the prospective customer Passport Issue Date Specify the date on which the customer s passport was issued or select the date from by clicking the adjoining Calendar icon Passport Expiry Date Specify the date on which the customer s passport expires or select the date from by clicking the adjoining Calendar icon Existing Relationship Details Relationship Type Specify the relationship type of the customer Credit Card Number Specify the credit card number of the customer as ORACLE 2 2 2 Customer ID Account Number Specify the customer identification or account number of the customer Details Tab You can capture the address and employment related details of the prospective customer in Details tab Prospect Details A H save M Hoia Leadid 187111 Branch 000 3 Application Type Retail Description example fal Date of Request 2011 01 06 Current Sta
23. interfacing with external agencies Corporate Loan Underwriting Stage X H save Hod Application Category Leadid Application Number E Product Code Enquiry ID User Reference Description E Default Priority Low v Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Collateral Details wo GE Start Date E Haircut fl Cassi frac End Date jp Revaluation Date B ateral Bran E saa Collateral Category Revision Date B i iaa Collateral Type Normal Ed Charge Type X Collateral Description g Default Linked rea Utilization Order i Collateral Currency E tkd ARR Commitment Product sa Collateral Value 7 Revalue Collateral Market Value Based Vehicle Details Haircut Schedule securtyd eaten 101 ESE E Vehicle 1D E Effective Date Haircut Units Nominal Value P C Vehicle Number a M m Cap Amount Year Guarantor Based Make o Guarantor Id E Model te Ie Body o Rating o Usage fe Valuation Source None v Valuation Status Not Required v i Documents Tradeln KYC Review CustomerDedupe Loan Dedupe CustomerMIS Customer AccountMIS Customer AccountFields a Previous Remarks Remarks Audit In this screen capture the following details Vehicle Details You can modify the details of the vehicle which is to be evaluated in the fields list
24. name here Sheet Name Specify the worksheet name here Short Description Specify a brief description about the template Worksheet Worksheet Name Specify the name of the worksheet Worksheet Description Specify a brief description about the worksheet Work sheet Required Check this box to include the work sheet in the generated excel SDE Details SDE Name Specify the SDE name here SDE Description Specify a brief description of the SDE Data Type Select the data type from the adjoining drop down list This list displays the following values aS ORACLE e VARCHAR2 e Number e Date Category Select the SDE category from the adjoining drop down list This list displays the following values e Asset e Liability e Income e Expense Sub Category Select the sub category of the SDE from the adjoining option list This list displays all valid sub categories maintained in the system Sub Category has to be maintained as part of SDE maintenance only if the subcategory is used as part of Ratio formula For example If SDE s defined are SDE1 SDE2 SDE3 and all of them belong to a SUB CATEGORY1 then you can use SDE1 SDE2 and SDE3 directly in the Ratio formula You can also define SUBCATGORY1 in the SDE maintenance and use the same in ratio formula The system will then internally derive the formula SUB CATEGORY1 SDE1 SDE2 SDE3 Note The sub category should be defined as an SDE in the SDE Maintenan
25. number of records for the branch Underwriting Status By Month and Intermediary Re port 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 Underwriting Status By Month and Intermediary Report Underwriting Status By Month and Intermediary Report Branch Intermediary Code From Date To Date Report Format PDF Printer At Client Report Output Print Printer za ORACLE 2 5 1 Specify the following details Intermediary Code Specify the code of the intermediary 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 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 Contents of the Report The contents of the repor
26. top right corner of the Application tool bar and clicking the adjoining arrow button LMC Eligibility Ratio New amp Enter Query Group Id 7 New Route Description Type Retail M Ratio Id 10f1 Ratio Id Description Formula aE Maker Date Time Checker Date Time Mod No 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 ID 2 24 ORACLE 2 9 Formula Wizard Formula 1 0f1 Ratio Type Condition Condition Builder Stated Before 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 Actu
27. use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Orac
28. 2 2 2 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 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 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 App
29. 24 COMMEOMS Tab et cise sied aint oats ied eins cea T 2 85 Maint n ntes o 2 ccc fcctc css ce aera aea dh ett enden cteh ach en aineena sa claeteetatecennys 2 1 Sly MOJCI kG etadece terete a aeaeaei e aea aa i 2 1 3 2 Maintaining System Data Elements eeseeeeeeeseeeeeseeerrestttrrrsttrrrssserrststrenrsstrrenns 2 1 3 3 Defining Template for Calculating Ratios seeeeeeeeeeeeeeeeeerreeeerrreserrresererrrssreenns 2 3 PROP OMS 125 scnccsdesssugececcecedecaiesajecuestincisacniesaansadeategedaassngadecsgutcedecacacsdonnsacsanaces 2 1 AU IMtrOduCtion sss fascisteteten tect cdacece sat cates atok tence cdece et a T hatte th aelede nt teed eae 2 1 4 2 Prefunding Contract Repon oriceret i a E AE T E aE a as 2 1 4 2 1 Contents of the Report ccccccceeeeceecnececeeeeeeesececeneeaaneeseeteeteesteeseeenenanees 2 2 4 3 Funded Contracts Report ccccecceceeeeeeeeeeeceeenaecaeececeeeeeeeeeseeeeenuesaeeeeeeeeeeeeess 2 2 4 3 1 Contents of the Report ccccccceeeeseeceececeeeeeeeseseeeaaaeeeeeeeeeeeeeteeteeenenanens 2 3 4 4 Credit Application By User Report ccccccececceeeeeeeeeeeeceeeeeeeeeeeeeeeseesecseesaeeeeeeeeess 2 4 4 4 1 Contents of the Report 2 cccceccecececcceceeeeeeeseseeenaaeaeeeeteeeeesteeseeeneaneas 2 4 4 5 Underwriting Status By Month and Intermediary Report ccccceeeeeeeeteeeeeentaes 2 5 4 5 1 Contents of the Report 2 cccccceeeeeseeceeceeeeeeeeeteceee
30. AEE E OEO R 2 11 2 3 Viewing Loan Prospect Summary esssseessssrressssrrnesrnnnestennaasstennneeetnnnesentnnennnnenne 2 13 2 4 Simulating Corporate Loans aerieni eni EAE EEEE AEAT AE EERIE 2 13 244 LOAN TaD cla nina AE aE R R 2 15 2 4 2 Component Tab Arere ai iieii a e iaa a aia eai ideaa a 2 17 2 5 Viewing Simulated Loan Details ecceceeeeceeeeeeeeecneeeeeeeeceeeeeeenieeeeeeeteeeeene 2 18 2 6 Maintaining Credit Rating Rules esesessssseeessreeessennenesnnnnesnnnnnennttennasnnnnneennnanneenenn 2 19 20 Main Taba faites a See ieee na ier deci aa Ea 2 19 26 2 cRISK FaclOl TaD jj ccs divested Eia Ean S AAEREN EEA ARAS CERA ARa ea addi tee 2 20 2 6 3 Specifying Credit Grad S eeesssrrrrerrrrnrerrrrrrrerrnrnnrrrrrnnarerinnnennnnnn eenaa 2 22 2 6 4 Specifying Auto Decision esseessrirrnreriinnrnnrrnnnrernnnnrrrnnnnnrenannnnneranneeenne 2 22 2 amp 7 Viewing Credit Rule Summary ee eaeoe iire reire rnea AFERE AERA EAEE EREEREER EERTE 2 23 2 8 Maintaining Credit Ratios 00 0 0 cccccccceceeeecccceeeeeecceeeeeeeeceaeeeeeceaeneeeesenaeeeeeeeeeeeeeneeees 2 24 2 8 1 Specifying Formula Details seeessrrrenssrrrrrenerrrnnrrrnnnrenerrannrrnnnnneeerrnnrnnnn 2 24 2 9 Viewing Credit Ratio SUMMALY eee ceceeeeeeeneeeeeeeeceeeeeeeaaeeeeeeeeaeeeeeeenateeeeeenaaes 2 25 2 10 Maintaining Ratio Details ceceeeeeenee rece eeteeeeeeeiaeeeseetiaeeeeeetieeeeesenaaes 2 26 2 11 Maintaining Override Details 0
31. AND or OR 221 ORACLE 2 6 3 2 6 4 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 10f1 Sequence Number You can specify the following 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 Specifying Auto Decision You can maintain decisions based on the credit scores obtained to decide applicants eligibility for loan Click Auto Decision button in Rule Details screens to invoke the Auto Decision screen where you can maintain these details Auto Decision 10f1 Serial Number Score Credit Decision Vv RECOMMEND REJECT X Serial Number System generates the unique serial number for each auto decision status Score Specify the maximum credit score for the applicant based on the auto decision eee ORACLE 2 7 Credit Decision Specify the credit decision for the applicant based on the auto decision You can select any of the following options from the drop down list provided e AUTO APPROVED Applications proceed to Document Verification stage from Underwriting stage If this option is selected Loan Approval
32. Account Branch bel Date E Account Class bel Currency GBP az Account azl Capital Net Worth Country Fa Documents TradeIn CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit Outcome MEE 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 list Product Code Select the product from the adjacent option list The list displays only the corporate CL products created in Oracle FLEXCUBE Description System displays the description of the selected product code Application Branch System displays the current branch code 246 ORACLE 2 19 3 Application Date System displays the application date Lead ID Specify a unique identification for the prospective loan customer 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 Application Number System displays the application number User Reference Specify the user reference number for the loan application If you do not specify the reference number system generates it when you
33. Date Report Format PDF Printer At Client Report Output Print Printer Specify the following details User 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 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 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 Field Name Field Description Branch This is the branch et ORACLE 2 7 Product code This is the product code Application Num ber This is the loan application number Stage This is the stage at which the application lies Applicati
34. Defined Fields Application Number je Customer Customer Account Account Branch Account Number Character Fields Number Fields Date Fields 1 Of 1 1 Of 1 1 Of 1 E FieldName Value A Field Name Value o E FieldName Value You can specify the following user defined field details for the customer account in Customer Account Tab Name Specify the name of the UDF being created for the customer account Value Specify the value associated with the UDF being created for the customer account a ORACLE 2 19 15 Viewing Vehicle Evaluator You can view the evaluated vehicle details captured as part of collateral details by clicking the Vehicle Evaluator button against the Applicant record Vehicle Evaluator Application Number CorporateLending5705 Vehicle ic Collateral Code Vehicle Detalls Valuation Source N Identification Number Year Make Vehicle Valuations Wholesale Value Attribute Value Retail Value Total Value Usage Value Vehicle Attributes 1011 J Attribute Description AftributeCode Attribute Value Packageincluded Selected To acquire the next stage you need to go to the Task menu and select Assigned under Standard option DOCUMEN 00 000 Oracle FLEXCUBE UBS1 1 2 ENG 2012 11 07 Transaction Input Windows internet Explorer Home Interactions Customer Werlow Tasks Preferences oe ae E as Tasks a eae Page 3001 monpa E Acquired vie
35. E A ARENE 2 51 219 5 Financials Tab sedgi nea kisses dei ega ae ae E a dara eLA ETE EA a a ee 2 52 2 196 Limits Tabria eari sees aieiaiei AAE EENE AAEE E AA e EA AA AEA ian E 2 55 ZAG Collaterals TI r EE T E E AE ian Lathes 2 57 219 0 Red e Sted TAD aa a aos aa ee gee a Saaai 2 59 219 9 Comments Tabrani eene E A AE AEA A 2 60 2 19 10 Capturing Document DetailS 1111ssrinnnseernrrernrnnnnennrnnnrnnrrnneenrrnnnnnnnnna 2 60 2 19 11 Capturing Trade In Detallls ccccccccccteeeeeeenteeeeeetetneeeeeetnneeeeeetnaaeeeeneeae 2 62 2 19 12 Capturing Customer MIS woo ccccccccecettteee iteris tirari i an ERNEA ARS LEA RATES RI R 2 63 2 19 13 Capturing Customer Account MIS ssssssesssissseeiiseseeenenneerrnneeerrnnneeeenne 2 63 2 19 14 Specifying Customer Account FiClOS cccccccceeeeeceeennteeeeeeenteeteeeeaaes 2 64 2 19 15 Viewing Vehicle Evaly t r uisi siedain isiad ienerienrreariria iaaii erian dia 2 65 2 19 16 Collateral Tab sisimoriniereiiiraii iiai i E E A AE EAR EEE a 2 71 2 19 17 Credit Score Tab reann uh eoin ie e ea s rae aa eee eee 2 73 219 18 RAUO Tab rr e aT EE al pe ea ee ee 2 74 2 19 19 Bur Qu TAD a aa a aaa a a aaa a aeetdeeehaeeteand 2 75 2 19 20 INVESTIGATION Tabori O R 2 78 2 19 21 LOAN Taber ee deel ad ees nt een a 2 79 2 19 22 COMPONENT AD vi rererere anicar kadi pa ae abn aetna 2 82 2 19 23 Charg s Tab aseran esos ded iveedaev ceveetinen cevebanedevsebbdeeuevsieiaeuevsetbadedenes 2 84 2 49
36. Facility Collateral pool Loan You can make the necessary changes amp retry You can select the outcome as PROCEED a ORACLE 2 1 2 2 2 Maintenances Introduction As part of general maintenance required for the successful functioning of Corporate Loan Origination you should maintain the following in the system e SDE Maintenance e Template Definition Maintenance e Ratio Maintenance Maintaining System Data Elements In order to calculate financial ratios you can maintain System Data Elements SDEs using the SDE Maintenance screen You can invoke this screen by typing ORDSDEMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button SDE Maintenance H Save Group Worksheet Name _ _ A Group Worksheet C A Element Type Corporate Description 1 Of 1 5 ft SDE Name SDE Description Data Type SDEType Derivation Required C PO Pme a Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Group Worksheet Name Specify the group worksheet name here Element Type Select the element type from the adjoining drop down list This list displays the following values e Corporate e Retail e Both Group Worksheet Description Specify a brief description of the group worksheet you are maintaini
37. IS Customer AccountMIS Customer AccountFields Previous Remarks Remarks Audit 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 Ap ORACLE 2 19 21 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 Corporate Loan Underwriting Stage X al Save i Hold Application Category Leadid Application Number i Product Code Enquiry ID e User Reference Description E Priority Low X Application Branch 000 Application Date 2011 01 04 Status New Application Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Pricing Pricing ID iF Multiple Offers 10f1 m E Offerid Noofinstallments Frequency Unit Rate RateCode Check Apply Loan Details Loan Account Number Value Date No ofinstallments 12 S Loan Branch laz Maturity Date Frequency 1 Loan Currency Installment Start Date Unit Monthly X Loan Amount Status Change Mode Auto v Down Payment E Close Collateral as lt m
38. J gt Documents Tradeln KYC Review CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer AccountFields Previous Remarks Remarks Audit Specify the following details Pricing Pricing ID You can select amp apply any one of the Pricing rule available under a pricing group linked to Application category Each pricing rule will auto select the best matched Loan Proposal for the requested loan application among the available offers for the application category You can either proceed with the system selected offer or can select any other offer for the loan based on the requirement If the pricing is not maintained for the application category then on clicking the Apply button the pricing and the offer will not apply for the loan Multiple Offers Offer ID Specify the offer ID Number of Instalments Specify the number of instalments for the loan Frequency Specify the frequency of the instalment Unit Select the unit of the instalment from the adjoining drop down list e Daily e Weekly ara ORACLE e Monthly e Quarterly e Half Yearly e Yearly Rate Specify the rate for the loan Rate Code Specify the rate code The adjoining option list displays all the valid rate code Select the appropriate one Check System displays this option as checked if this option is selected at application category level If this check box is not checked you can check this box
39. Maintenance screen by typing ORDDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Document verify Maintenance New E3 Enter Query Process Code Application Category Process Stages 10f1 Stage Stage Document Details 10f1 Document Category Document Type Mandatory m Mandatory BI Advices 10f1 m Report Name Description Template Type Format Locale Outcome m Query Por enus Checklist Details 10f1 E Sequence Number Checklist Item Mandatory a Maker Date Time Mod No Checker Record Status Exit Date Time 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 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 Do
40. Management Involved Call Report 5 Branch z NIA v User Role Role 5 Other Offices Involved hannel Details Direct Access Channel No External System User ID Channel UserID Message Details Orginal Request Subject Detail Documents Presented Reply to Customer No Closure Remarks Customer Conversation Documents Maker Date Time Checker Date Time Mod No Record Status Authorization Status The system displays the following details if the conversation ID is selected in the prospect Detail screen Customer Details Customer ID The system displays the customer ID Customer Name The system displays the name of the customer Conversation Details Conversation ID The system displays the conversation ID Conversation Date The system displays the conversation date 2 11 ORACLE Conversation Time The system displays the conversation time Last Changed On The system displays the date and time when the conversation was last changed Priority The system displays the conversation priority Conversation Status The system displays the conversation status Conversation Category The conversation category is defaulted here Venue The system defaults the venue Conversation Mode The system displays the conversation mode Department Details The system displays the following department details
41. Mode Auto Effective Date User Defined Element Values 1 Of 1 1 Of 1 E Effective Date ca E User Defined Elementid User Defined Element Value Rate Code Code usage 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 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 Code Specify the branch code in which the loan will be processed You can also select it from the adjoining option list Customer Details Specify the following details for the customer aN ORACLE 2 4 1 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 c
42. Name Specify the name of the UDF being created for the customer Value Specify the value associated with the UDF being created for the customer 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 al Save q Hold Application Category a Leadid zl Application Number CorporateLending3785 fel Product Code Ba Enquiry 1D User Reference Description Priority Low Application Branch 000 Application Date 2011 01 04 Status New Application Main Details Financials Requested Limits Collateral Comments Address Details 101 HE Address 1 iS Zip Address 2 r Country Address Type Address 3 o Contact Number Correspondence Address v ai iniinis E Mailing Director Details Permanent Address Mailing Address 101 HE Address 1 Address 1 Address 2 Address 2 Director Name Address 3 Address 2 Taxld san Email E Country Ga Address 4 i E Permanent US Resident Country bal Nationality ba Status Share Percentage Telephone ISD Code la i Telephone Mobile ISD Code e Mobile Number Documents Tradeln CustomerDedupe LoanDedupe CustomerMIS Customer AccountMIS Customer Account Fields Previous Remarks Remarks Audit In this screen you can capture multiple address and employment details if required Note For more
43. ORACLE Corporate Loan Origination User Guide Oracle FLEXCUBE Universal Banking Release 12 0 2 0 0 Part No E49740 01 September 2013 Corporate Loan Origination User Guide September 2013 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2013 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for
44. S Transaction MIS 1 Transaction MIS 2 Transaction MIS 3 Transaction MIS 4 Transaction MIS 5 Transaction MIS 6 Transaction MIS 7 5 0 fis he i is a i Ba Calc Method Rate Code Rate Type Reference Rate Spread Composite MIS Composite MIS 1 Composite MIS 2 Composite MIS 3 Composite MIS 4 Composite MIS 5 Composite MIS 6 Composite MIS 7 2 63 Fixed X Poo Aca Pool Code F Link MIS Group Cost MIS Cost MIS 1 Cost MIS 2 Cost MIS 3 Cost MIS 4 Cost MIS 5 ORACLE 2 19 14 Specifying Customer Account Fields You can capture the user defined field details for the customer and customer account if any by clicking Customer Account Fields button against a row in the Applicant Details table System displays the User Defined Field screen where you can maintain the UDF details User Defined Fields Application Number 0 Eeay Customer Account Customer Branch Customer No Character Fields Number Fields Date Fields 10f1 Go 10f1 8 1 0f1 FieldName Value E Field Name Value M FieldName Value You can specify the following user defined field details for the customer in Customer Tab Name Specify the name of the UDF being created for the customer Value Specify the value associated with the UDF being created for the customer User
45. W Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Channel Intermediary Group KYC Required Exte Rec Auto Decision Required Applicant Details Branch Short Name Telephone ISD Code Customer No Customer Name Telephone Existing Customer National ID Fax ISD Code yk Category Fax P Group Code RM ID Language RM Name Country Nationality Account Details Incorporation Business Description Account Branch Date Account Class Currency Account Capital anji Net Worth 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 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 Manual Retry This stage is optional Task will be moved to this stage only when the system is unable to create Customer Customer Account Liability
46. a Main Agency Credit Agency 101 mE W Agency Code Agency Name 7 Bureau Details im ios v Bureau Code Bureau Call Priority c w e I Date Time Mod No Date Time 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 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 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 tool bar and clicking the adjoining arrow button 2 38 ORACLE 2 17 Category Details C Advanced Search Reset Authorization Status Application Category Records per page 15 v 10f1 Authorization Status Record Status Record Sta
47. al This indicates the total number of records for the branch 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 Report Details X Funded Contracts Reports Branch Code From Date To Date ReportFormat PDF Printer At Client Report Output Print Printer Specify the following details Branch Code 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 Header 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 Branch This is the branch code Application Number This is the applica
48. al 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 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 ratio calculation formula Operators Select the mathematical operator to be used to define the credit ratio calculation formula You can select or f 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 228 ORACLE Credit Ratio Maintenance od Advanced Search 5 Reset Authorization Status Record Status Group Id Records per page 145 x Authorization Status Record Status Group Id Description You can specify any of the following details to search for a record e Authorization Status e Record Status e Group ID Click Search button to search for a record based on the search criteria specif
49. alues 101 E 10f1 4 Ea Effective Date User Defined Elementid User Defined Element Value Rate Code Codeusage Resolvedvalue Maker Date Time Mod No Checker Record Status Date Time 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 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 alg ORACLE 2 4 2 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 option Click the Apply button The system will default all the details in the Loan Details section When you click the Apply button available in the lower section in Loan Details the system will populate
50. ation 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 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 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 f Logical Operators Select the logical operator to be used to define the conditions for generating override messages You can select lt
51. ce ORDSDEMT screen SDE Type System displays the SDE type here The SDE type could either be General SDE or Derived SDE based on the SDE maintenance 29 ORACLE 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 Application 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 The selection options that you specified while generating the report a printed at the beginning of every 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 Branch From Date To Date ReportFormat PDF Printer At Client Report Output Print Printer Specify the following details Branch Specif
52. ce Number Type Existing Local Branch Customer No Default Short Name Customer Name m i Pimay fe m E a m J r City l First Name SSN Country az Middle Name E Passport Number E Nationality Last Name Passport Issue Date E Language az Salutation x Passport Expiry Date Ez Customer Category kzl Gender E Existing Relationship Details Financial Currency faz Date of Birth el Relationship Type Mobile Number j A Mothers Maiden Name a EEA E Landline Number Marital Status Jo l k Customer ID Account l Email 2 Dependents Number Fax Preferred Date of Contact E Preferred Time of Contact Any Time X Documents Conversation Maker Date Time Mod No Checker Date Time Record Status Authorization Status You can specify the following details in this screen Lead Id Specify a unique identification for the prospective loan customer Description Specify a suitable description for the prospective loan customer f v Offers to view the multiple offers Request ID The system displays the request identification of the loan request Channel The system by default displays FLEXCUBE as the channel However you can modify if needed The adjoining option list displays a list of valid channels Select the appropriate one Promotion Code Indicate the promotion code Branch Select the branch code from the adjoining option list Date of Request Specify the date when the prospective customer ha
53. cessfully 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 system displays the system message as Acquire Successful on successful acquisition of the task 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 ale ORACLE 2 19 17 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
54. credit rating rule Type Select the type of the loan from the following options available e Retail e Corporate Main Tab You can maintain the following details in this tab a ORACLE 2 6 2 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 Rule Maintenance E New E3 Enter Query Rule Id F New Route Account Description Type Retail Tj v Risk Factor Risk Factor 1 Of 1 Risk Id Account Description Formula Farrea Rating Auto Decision Maker Date Time Checker Date Time Mod No 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 a0 ORACLE 2 6 2 1 Specifying Formula De
55. cument 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 2 98 ORACLE 2 14 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 available e PDF e 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 Out come Specify the outcome for which the report needs to be generated Checklist Details Sequence Number The system displays the sequence number Checklist Item Specify the checklist to be maintained Mandatory Check this box to indicate whether the checklist is mandatory or optional 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 ae ORACLE 2 15 You can invoke this screen by typing ORSDOCMT in the field at the top right corner of t
56. d Default Documents Tradein CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit In this screen specify the following details Liability Details Liability Number Select the liability number The adjoining option list displays all valid liability numbers maintained in the system Select the appropriate one Liability Name Select the liability name The adjoining option list displays all valid liability names maintained in the system Select the appropriate one Main Liability No Select the parent liability number The adjoining option list displays all valid main liability numbers maintained in the system Select the appropriate one Liability Branch Select the liability branch The adjoining option list displays all valid liability branch maintained in the system Select the appropriate one Liability Currency Select the liability currency The adjoining option list displays all valid liability currency maintained in the system Select the appropriate one Overall Limit Specify the overall limit 20 ORACLE Line Details Line Code Select the line code The adjoining option list displays all valid liability numbers maintained in the system Select the appropriate one Line Serial Specify the line serial number Main Line Code Select the main line code The adjoining option list displays all valid main line codes maintained in
57. d for the condition After building the condition click the Insert button to insert the same To remove a condition click the Clear button in the screen 2 11 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 bar and clicking the adjoining arrow button Override Maintenance E New amp Enter Query Process Code J New Route Application Category Type Retail X Stage 10f1 Stage Description Overrides 1 Of 1 Sequence Number Condition Error Code Error Parameter i Elements Index Functions Braces v Operators Logical Operators Maker Date Time Checker Date Time Mod No 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 230 ORACLE 2 12 Type Select the type of the loan from the following options available e Retail e Corporate Stage Select the stage of the loan origin
58. d here You can modify them if required Corporate Loan Underwriting Stage Save di Hold Application Category Leadid Application Number fal Product Code Enquiry ID fal User Reference Description fa Default Priority Low Application Branch 000 Application Date 2011 01 04 Status New Application Main Details Financials Requested Limits Collateral CreditScore Bureau Ratio Loan Component Charges Investigation Comments Component Name Main Component 10f1 Component Currency Capitalized Liquidation Mode Auto Waive Verify Funds Schedule Details Details 10F1 Eime E Schedule Type FirstDue Date No Units DueDateOn Schedule Start Date End Date Amount EMIAmount Capitalized Waive Compoun Documents Tradeln KYCReview CustomerDedupe LoanDedupe Customer MIS Customer Account MIS Customer AccountFields Previous Remarks Remarks Audit Outcome e The following details related to the schedule are displayed here e Component name e Schedule type e First due date e Number e Frequency e Unit 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 You can specify the following schedule related details Compound Days Specify the number of compound days arte ORACLE Compound Months Specify the number of compound months Compound Years Specify the number of com
59. details on capturing address details refer the chapter titled Maintaining Custom er Information Files in Core Entities user manual You can capture the following additional details related to the Director in this tab Director Name Specify the name of the director of the corporate customer Tax ID Specify the tax identification of the director E mail Specify the e mail ID of the director Nationality Specify the nationality of the director a ORACLE 2 19 5 Share Percentage Specify the percentage of share for the key person Telephone ISD Code Specify the international dialling code for the telephone number of the director The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Telephone Specify the telephone number of the director Mobile ISD Code Specify the international dialling code for the mobile number of the director The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Mobile Number Specify the mobile number of the director Permanent Address Address Specify the permanent address of the director Country Specify the country associated with the address specified Permanent US Resident Status Check this box to indicate that the corresponding director is a permanent US resident Mailing Line 1 4 Specify the mailing address of the customer in Line 1 to Line 4 provided
60. e Description Priority Low X Application Branch 000 Status New Application Application Date 2011 01 04 oO Main Details Financials Requested Limits Collateral CreditScore Bureau Ratio Loan Component Charges Investigation Comments External Credit Rating 10f1 m m Recommended NotRecommended v Request ID 1 Status NotRequired v External Agency Remarks fa Score Documents Tradeln KYC Review CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer AccountFields Previous Remarks Remarks Audit The credit agencies and the bureaus maintained for the Application Category are displayed in this 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 External Credit Rating Request ID System displays the request ID External Agency The external credit agencies maintained for the Application Category in Application Category Maintenance are displayed here Score Specify the score associated with the rating 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 2 19 19 1 Viewing Credit Bureau Report You can view the credit bureau report by the external agency by clic
61. e Customer MIS Customer AccountMIS Customer Account Fields Previous Remarks Remarks Audit In this screen specify the following details to facilitate vehicle evaluation Collateral Details Collateral Branch Specify the collateral branch Utilization Order Specify the collateral utilization order if any collaterals are linked to the Loan Commitment Product Specify the commitment product if any collaterals are linked to the Loan A ORACLE Market Value Based Security ID Select the security ID The adjoining option list displays all valid security IDs maintained in the system Select the appropriate one Number of Units Nominal Value Specify the number of units Cap Amount Specify the cap amount Guarantor Based Guarantor ID Select the Guarantor ID The adjoining option list displays all valid guarantor IDs maintained in the system Select the appropriate one Rating The system displays the rating Haircut Schedules Specify the following Haircut Revision Schedule details for any collateral linked to the Loan Effective Date Specify the effective date from the adjoining calendar Haircut Specify the haircut percentage Vehicle Details You can capture the details of the vehicle which is to be evaluated in the following fields Vehicle Number Specify the registration number of the vehicle Year Specify the year of manufacture for the vehicle Make Specify the
62. e Department e User Role e Other Department e Assigned To e Senior Management Involved e Other Offices Involved Channel Details The system displays the following channel details e Direct Access Channel e External System User ID e Channel User ID Message Details The system displays the following message details e Original Request e Subject e Detail e Documents Presented e Reply to Customer e Closure Remarks ate ORACLE 2 3 2 4 Viewing Loan Prospect Summary You can view a summary of the prospective loan customers or the borrowers in Loan Prospect Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSLEADM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Loan Prospect details amp Search CE Advanced Search Reset r9 Clear All Case Sensitive Authorization Status x Record Status x Request ID Leadlid Application Type x Customer Id Loan Type x Channel Branch az A Records per page 10f1 Authorization Status Record Status Request ID Date of Request Lead Id Application Type Customer Id Loan T You can specify any of the following details to search for a record e Authorization Status e Record Status e Lead Id e Date of Enquiry Click Search button to search for a record based on the search criteria specified You can do
63. ed 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 ari ORACLE 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 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 NODATA 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 VERIFY 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 suc
64. en You can invoke this screen by clicking Schedule Details button Schedule Details Application Number MAIN_INT Component Name MAIN_INT Details 10f1 o Due Date Amount Settled AmountDue EMlamount Amortized Principal 7 2012 12 07 E 2013 01 07 F 2013 02 07 F 2013 03 07 F 2013 04 08 nosan or o gt 2 19 23 Charges Tab In Charges tab the system calculates and displays charges if any applicable Corporate Loan Underwriting Stage x H save lt Hoid Application Category Leadid Application Number eI Product Code Enquiry ID asl User Reference Description Default Priority Low Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments 10f 1 Waive Component Name Due Date Component Currency Amount Due Effective Date Amount Waived Documents Tradeln KYC Review CustomerDedupe LoanDedupe CustomerMIS Customer Account MIS Customer AccountFields a Previous Remarks Remarks Audit The system calculates and displays the charge details associated with the loan a ORACLE 2 19 24 The following details are displayed e Component Name e Component Currency e Effective Date Waive Check this box to waive the charges associated with the loan Comments Tab In this tab
65. enerate 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 4 1 Contents of the Report The contents of the report are discussed under the following heads os ORACLE 2 5 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 Branch This indicates the branch code Product This indicates the product code under which the application is made Application Num This indicates the credit application number ber Stage This indicates the stage at which the application lies Application Date This indicates the date on which the application was made Contract Date This indicates the contract date Contract Currency This is the currency of the contract Contract Amount This is the amount of the contract Contract Term This is the total term of the contract Contract Interest This is the interest applicable to the contract Total This indicates the total
66. equested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Internal Credit Rating Rule Id 10f1 E Ei Grade Score Calculate E Category Question Answer m Risk Factor Details 10f1 PEE ol Risk Factor Score a m Documents Tradeln KYCReview CustomerDedupe LoanDedupe CustomerMIS Customer AccountMIS Customer AccountFields Previous Remarks Bat Remarks Audit Outcome e The set of questions used to assess the credit rating of a prospective loan customer associated Rule Id are displayed in this screen You can specify the following details here Answer Specify the answer to be associated with the question used for calculating the credit score 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 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 2 ORACLE 2 19 19 Corporate Loan Underwriting Stage mre H save i Hold Application Category
67. h Col Advanced Search Records per page 15 10t1 Name Date of Birth Once reviewed the verifier provides the review status and remarks 206 ORACLE You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the internal KYC status and SDN status respectively based on the review Step 4 External KYC Review If the check box KYC Required is checked then the external agency performs the KYC check for the applicant KYC Review Application Number 001005754 Customer No 001005754 YC Review Details Local Branch Ral KYC Extenal Status No Match KYC Extenal Remarks No Match SON Status No Match SON Remarks No Match Date of Birth First Name Middle Name Last Name Country Nationality IN You can review the KYC details displayed on the screen System displays the following information e KYC Internal Status e KYC Internal Remarks e SDN Status e SDN Remarks Based on the KYC and SDN statuses and remarks the reviewer decides whether to move the task to the next stage aba ORACLE Click Review button to view all customer information and perform KYC and SDN checks The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed KYC Maintenance Summary Authorization Status Record Status KYC Reference lag Full Name of Customer KYC Customer Type Risk Level Advanced Search Records per page 45 10f1 Authoriza
68. he Application tool bar and clicking the adjoining arrow button ee Advanced Search 5 Reset Authorization Status Record Status m Process Code as Application Category ba Records per page 15 v 10f1 p gt Authorization Status Record Status Process Code Application Category aip m EEG 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 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 Maintenance screen by typing ORDCATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 205 ORACLE 2 15 1 Application Category Maintenanc H save lt i Hod Application Category Category Description Main Agency Product Details m a Product Code Product Description External Credit Check Required External Credit Check Required for Amount Basi wm fea i Ea All Applicants
69. icle Type Four Wheeler Purchase Type New X Requested CASA Details Type of Account Current Account Purpose of Account Overdraft Limit Required You can capture the following details here Requested 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 Tenor in months Specify the preferred loan tenor in months of the prospective customer Rate Specify the preferred interest rate of the prospective customer Loan Type Select the loan type from the adjoining drop down list Loan Purpose Specify the Purpose of the loan Vehicle Details Vehicle Type Select the type of vehicle for which the loan is requested from the adjoining drop down list Purchase Type Select he purchase type from the adjoining drop down list ae ORACLE 2 2 5 Requested CASA Details Type of Account The system displays the type of account Purpose of Account The system displays the purpose of the account Overdraft Limit Required Check this box if overdraft limit is required Document Details Click on Documents link to invoke the Documents screen You can upload the required documents from the external system Documents ME Advices Checklist Document Upload o 10f1 E Document Category Document Reference Document Type Remarks Ratio Uploz w
70. ied You can double click a desired record to view the detailed screen 2 10 Maintaining Ratio Details You can define templates for calculating financial ratios taken from the balance sheet income statement statement of cash flows or statement of retained earnings within the product You can capture the template related details through the Ratio Template Definition screen 226 ORACLE You can invoke this screen by typing ORDTEMDF in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Ratio Maintenance E New E3 Enter Query Group Id Description Ratio Id 1 0f1 Go Ratiold Description Formula Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Group Id Specify the group id here Description Specify a brief description of the group id you are maintaining Type Select the credit ratio type from the adjoining drop down list This list displays the following values e Retail e Corporate e Ijarah e stisna e Mudarabah e Murabaha e Mushraka e Tawarooq Ratio Id Specify the ratio id here Description Specify a brief description for the ratio id you are maintaining eet ORACLE Click the Formula button to build the ratio formula Formula Wizard Formula 10f1 W Ratio Type Condition Condition Builder Stated Beton 2
71. ignation Pool Currency Select the pool currency code The adjoining option list displays all valid pool currency codes maintained in the system Select the appropriate one Pool Amount System displays the pool amount Pool Utilized System displays the pool amount utilized Collaterals Tab You can capture the details related to the collaterals provided by the customer in this tab Corporate Loan Application Entry wA H save lt i Hoid Application Category ba Leadid Ga Application Number CorporateLending3785 C Product Code e Enquiry ID il User Reference Description fal Default Priority Low Application Branch 000 Application Date 2011 01 04 Status New Application Main Details Financials Requested Limits Collateral Comments Collateral Details m 100 HE Start Date Haircut Collateral Branch End Date Revaluation Date apie Collateral Category Revision Date korsesi Collateral Type Ni Charge Type jormal M Collateral Description ra Linked Percentage Utilization Order Number Collateral Currency cvs Commitment Product Collateral Value Revalue Collateral Market Value Based Vehicle Details Haircut Schedule J Security Id 10F4 gt 104 HEE Units Nominal Value I i Vehicle ID E Effective Date Haircut Cap Amount Vehicle Number Guarantor Based Year Guarantor Id Make Rating Model Body Usage Valuation Source None v 4 m Documents Tradein Customer Dedupe LoanDedup
72. ils are included On successful completion a message stating that the task is successfully completed gets displayed aS ORACLE 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 system displays the system message as 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 7 Loan Approval In the Loan Approval stage the approver verifies the 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 Corporate Loan Approval Stage X Save M Hold Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Priority Low Application Branch 000 Application Date 2011 01 04 S
73. ing5705 C Product Code Asset Model Type Manufacture Year Sub Type Body Description Assetid p Value Source Wholesale Supplement Base Retail Edition Payment Amt Validation Date eS Additions Currency a Total Transaction Value You can capture the asset details and the valuation details of the asset in this screen Note For more details on Capturing Asset Valuation details refer the section titled Account As set Valuation in Retail Lending user manual abe ORACLE 2 19 12 Capturing Customer MIS You can capture the MIS details for the customer if any by clicking MIS button against a row in the Applicant Details table System displays the Customer MIS screen where you can maintain the MIS details Customer MIS Application Number CorporateLending4120 MIS Group Default From MIS Group iets Cuciaiiiy Composite MIS Customer MIS Classes 10f1 MISClass MIS Code PE Customer No Local Branch 000 Link to Group d ChangeLog TransferLog 2 19 13 Capturing Customer Account MIS You can capture the MIS details for the Customer Accounts in Customer Account MIS Screen System displays the Customer Account MIS screen where you can maintain the MIS details Customer Account MIS Application Number CorporateLending4120 Customer Branch Code Account Account Class Currency GBP Transaction MI
74. king Bureau Report button in Corporate Loan Underwriting screen System displays the Credit Bureau Report screen where you can view the details ate ORACLE Credit Bureau Report Application Number RetailLending3852 Customer No 000006150 Requested Id 644 Bureau Code EQFX Report Header Bureau EQFX Credit Report id 644 First Name ReportDate 2013 08 21 MiddleName Unique ld 644 Last Name On File Date 2013 08 21 Birth Date 1981 05 18 F Best Match Summary 2 Trade Lines PublicRecords Collections Fraud Messages Inquiries AlsoKnownAs Consumer Statement Credit Score Life Recent Open Chapter7 0 Chapter7 0 Chapter7 Chapter11 0 Chapter11 0 Chapter11 Chapter13 0 Chapter13 0 Chapter13 Total 0 Total 0 Total 4 2 19 19 2 Capturing Loan MIS Details You can capture the Loan MIS details by clicking Loan MIS button in Corporate Loan Underwriting screen System displays the Loan MIS screen where you can capture the details Application Number Product Pi Unk To Group Loan Account Number Loan Branch Financing Currency f Deta Input Reixed Roterence Reizes Account Retated Account Related Reference MWS Head Rate At Rate Type interest Method Reference Rate Pool Code Transaction MIS Composite MIS Fund MIS MIS Group MIS Group MS Group Transaction MIS 1 Composite MIS 1 Fund MIS 1 Transaction MIS 2 T Composte MIS 2 Fund MIS 2 Transaction MIS 3 Composite MIS
75. ks 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 system displays the system message as Acquire Successful on successful acquisition of the task ae ORACLE Step 8 Step 9 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 Document Verification screen Any advices maintained for this stage are generated after the completion of the stage 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 Corporate Loan Document Verification Stage len Save ty Hold Application Category Lead Id Application Number Product Code Enquiry ID User Reference Description Priority Low Application Branch 000 Application Date 2011 01 04 Status NewA E
76. l OTC Over the Counter IRO Interest Rate Options CO Currency Options EOD End of Day BOD Beginning of Day FV Face Value TV Time Value IV Intrinsic Value System the system Oracle FLEXCUBE system unless otherwise specified Organization This manual is organized as follows About this Manual gives information on the intended audience It also lists Chapter the various chapters covered in this User Manual Corporate Loan Origination explains the workflow of a loan generation pro Chapter 2 cess and procedure to define and maintain the prospective customer details 1 1 ORACLE 1 6 1 7 Maintenances describes about the general maintenance options available Chapter to ensure successful functioning of a corporate loan origination process Chapter 4 Reports lists the possible reports that can be generated for the module Chapter 5 Function ID Glossary has alphabetical listing of Function Screen ID s used in the module with page references for quick navigation Related Documents e The Procedures User Manual e The Messaging System User Manual e The Central Liability User Manual e The Products User Manual Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function J Exit J Add row Delete row Fasl Option List 1 2 ORACLE 2 1
77. le Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents Preface iiine iiaea bP baat aaa teeta eect aaa te teeta na 1 1 We UMMOMUGHON app ceciaded shies becdtesuetedeniendittatistdn eehensiddat Meduiece E EN AREE 1 1 V2 Auden CO int ncct eestor haa A edn cci eh ania T eased eteandhe Ar EE 1 1 1 3 Documentation Accessibility 0 00 eceeecreeeetceeeeeeeecneeeeeeeneeeeeeeaeeeeseetaeeeeseeaes 1 1 1 4 Acronyms and Abbreviations ccceceeeeeeeeeneeeeeeeeneeeeeeeaaeeeeeeeaaeeeeeeeiaeeeeeeeaas 1 1 WD QFOANIZAtlON cee cedes pasha des testers secu added eviaachad aadecaeecsacaeedcnaytivengand toned ae teases uate 1 1 1 6 Related Documents reren her tie tii Ab ad Meee aint 1 2 Wf Glossary OICONS ra r E eat AE EAE E ER 1 2 Corporate Loan Origination ccccccceeeeeseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeees 2 1 2O production eena a r a TA 2 1 2 2 Maintaining Loan Prospect Details 0 eccececceeeeeeeeeeeeeeeeeeeseeeeeeeeeeeaaeeeeseeaaeees 2 1 221 MAUR TaD e a hole cass a a a bad a Aa 2 3 2k DEOS TAIETE EA AE AE O 2 6 223 Financial Ffab orenian ienien AEL ERE LEES A AAEE S d ARE ia 2 8 22 4 R est d TaD a aa aa rad ae eae eaa a aE ae eoria eaan EAA 2 9 2 2 5 Document Detalls s siniserriiri iiit enii i ar ARENE AEREE ra TELA AE AT 2 10 2 2 6 Conversation Details osere renni EA O
78. lication category details The Corporate Loan origination process flow is composed of following stages e Application Entry e Application Verification e Internal KYC e External KYC e Underwriting e Loan Approval e Document Verification e Manual Retry The features maintenances and the different stages in the process flow are explained in detail in the following sections Maintaining Loan Prospect Details You can maintain the details of a prospective borrower or a loan applicant when the borrower initially approaches the bank enquiring about the various loan products that are being offered The following details are captured as part of this maintenance e Prospective customer s personal and location details e Prospective customer s employment details a ORACLE e Requested loan details You can maintain the details related to the prospective customer in Prospect Details screen You can invoke this screen by typing ORDLEADWM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Prospect Details X H sae 4 Hold Leadid Branch 000 az Application Type Retail i Description 6l Date of Request 2011 01 04 Current Status NEW New Account Number New Status az Request ID Conversation ID az Channel FLEXCUBE az Promotion Code DEIJ Details Financial Requested Applicant Details 10f14 st I ES Sequen
79. 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 These details will be used at the underwriting stage to evaluate the vehicle 208 ORACLE 2 19 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 corresponding loan proposal are displayed here Corporate Loan Application Entry o H save Hold Application Category FE Leadid FE Application Number CorporateLending3785 Product Code as Enquiry 1D asl User Reference Description fal Default Priority Low Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral Comments Financing Requested Currency FE No of Installments Loan Purpose Requested Amount Unit Monthy Rate Frequency Tenor In Months 12 Itemizations tort Eee ia itemization Comments m E m E Documents Tradeln Customer Dedupe LoanDedupe CustomerMIS Customer AccountMIS Customer Account Fields Previous Remarks Remarks Audit You can capture the following details here Currency Specify the loan currency preference of the customer or select the currency from the option list Requested Amount Specify the loan amount req
80. n system elements in Oracle FLEXCUBE a ORACLE Formula Maintenance 10f1 v Sequence Number wi Elements Index Functions Braces Operators Logical Operators Sequence Number Specify the sequence number Condition Specify the possible data or the data limits here The supported operators are Operator Description Equals To gt Greater Than gt Greater Than or Equals To lt Less Than lt Less Than or Equals To Score Specify the score for each condition Elements Select the element from the adjoining option list If the loan requested details satisfies the condition specified in the pricing maintenance then the corresponding score gets added If the details do not satisfy the condition then zero will be considered as default score 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 3 6 6 oD You can select or f AA ORACLE 2 18 2 Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select lt gt A lt gt S lt P AND or OR Based on the formula and the l
81. ne ORACLE 2 19 3 1 system decides whether to approve reject recommend approval or recommend rejection of the application External Credit Check Required Check this box to enable external credit bureau service for credit evaluation of the loan applicant If you check this box the system will automatically initiate external credit check The credit check initiation happens before underwriting stage Applicant Details Existing Customer Check this box to indicate if the customer applying for the loan is an existing customer of the bank Local Branch Specify the applicant s home branch Account branch Specify the applicant s account branch Customer No For existing customers you need to select the customer number from the option list provided Group Code Select the group code from the adjoining option list National ID Specify the national ID Click Default button to default the details of existing customers Note For more details on capturing Customer details refer the chapter titled Maintaining Cus tomer Information Files in Core Entities user manual 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 Customer UDF UDF Details 100 m Name 200 ORACLE 2 19 4 You can specify the following details in this screen
82. neaaaeceeeeeeseeeeteeeneenenaneas 2 6 4 6 Underwriting Status By Month and Underwriter Report seessseeeeseesrreseererrsseeee 2 7 4 6 1 Contents of the Report 0 1 1cccccccccceeeceeenseneceeeeeeeeeeeeseetecseeaaecaeceseeeeeteteteees 2 7 4 7 Underwriting Status By Month Report cc ceecceeee tennessee eenneeeeeeeneeeeseseeeeeres 2 8 4 7 1 Contents of the REDOSE 2000 1 cccccccccceceneenecseceeeeeeeeeeeetetsesneeaaenaeeeteeteentenseess 2 9 Function ID Glossary icc cnet eto 2 1 1 1 1 2 1 3 1 4 1 5 1 Preface Introduction This manual is designed to help you maintain and process Over the Counter dealings in Interest Rate and Currency Options in Oracle FLEXCUBE It also assists you in handling all the necessary activities in the life cycle of an OCT instrument once it is booked This includes the generation of messages and reports the accrual and liquidation of interest components the application of charges and taxes and so on Audience This manual is intended for the Customer Service Representatives CSRs and staff in charge of setting up new products in your bank Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Awww oracle com pls topic lookup ctx acc amp id docacc Acronyms and Abbreviations The following are some of the acronyms and abbreviations you are likely to find in the manua
83. ng a ORACLE SDE Name Specify a unique name for the SDE you are maintaining SDE Description Specify a description for the SDE you are maintaining Data Type Select the data type of the SDE from the adjoining drop down list This list displays the following values e VARCHAR2 e Number e Date SDE Type Select the SDE type from the adjoining drop down list This list displays the following values e Template e Static Derivation Required Check this box indicate that derivation formula is required for the SDE Derivation Formula Specify the derivation formula here You can also maintain the derivation formula in the Condition Builder screen which is invoked by clicking the Formula button Condition Builder Condition undefined Business Rule Braces Te i dd L Specify the following details Condition Specify the condition for the rule here d ORACLE 2 3 Business Rule Braces Select the braces from the adjoining drop down list Functions Select the functions from the adjoining drop down list Elements Select the elements from the adjoining option list This list displays all valid elements maintained in the system Operators Select the mathematical operators from the adjoining drop down list This list displays the following values e Equal To e Greater Than e Greater Than or Equal To e Less Than e Less Than or Equal To e Like e Not Like
84. nk also obtains the account opening form and related documents as part of this activity The following details are captured in this stage af ORACLE 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 ORDCLAPP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Loan Application Entry save ii Hold Application Category azl Leadid FA Application Number CorporateLending3645 2 Product Code fae Enquiry ID Pa User Reference Description 2 Default Priority Low _ Application Branch 000 Status New Application Application Date 2011 01 04 Eig Details Financials Requested Limits Collateral Comments Channel FA EKYC Required ElExternal Credit Check Intermediary Group azl auto Decision Required Required pplicant Details Branch 000 Pe Short Name Telephone ISD Code lad Customer No bel Customer Name Telephone Existing Customer National ID Fax ISD Code az Category azl Fax Group Code faz RMID PAJ Language az RM Name Country PAJ Nationality PA ccount Details Incorporation Business Description
85. nto Assignee Customer Creston Date gt Assimedis aj Warsow Reference Users tame Amount Fromtoje Priority gt Completed Penang Superson Transsctoa Reference IstammicharamAccouret 362 Appicaben Entr ALROLES Tie Assignad Group Istammucharamaccoue ss 7 Applicaton Enty ALURAES IslarrucharamAccouet 75 Appacapce Ent ALROLES impor CProcessFiow 1587 Receive and Venty ALLROLES CCSERCLE LC impot 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 system displays the message as Acquire Successful on successful acquisition of the task 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 20 gt ORACLE 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 Corporate Loan Application Verification Stage X 4 Save iy Hold Application Category Lead ld Application Number Product Code Enquiry
86. oan application category the system automatically applies a price ID to the application You can apply a different price ID that matches the application only at the Underwriting Stage If you change a price ID selected by the system and reapply a different price ID the system changes the score of the pricing rule The score determines the price ID to be automatically applied Maintaining Pricing Offer Click Pricing button to define the pricing rule for each price ID for the user to pick up the offer for the loan Offer Details 10f1 7 Sequence Number Score From Score UpTo Rate No of Installments Frequency Units 7 i Monthly You can specify the following details here Sequence Number System generates the sequence number Score From Specify the start credit score to pick the offer for the loan Score Up To Specify the end credit score to pick the offer for the loan Rate Specify the rate to be picked up for the score No of Instalments Specify the number of instalments for the offer Frequency Specify the frequency of the offer Units Select the frequency unit from the adjoining drop down list You can select one of the following e Daily aan ORACLE 2 19 e Weekly e Monthly e Quarterly e Half Yearly e Yearly e Bullet Stages in Corporate Loan Origination The different stages in corporate lending process flow are designed using Oracle BPEL framework The process
87. 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 Information captured in this stage include Applicant Information Corporate Information Directors Information Application details Requested Loan Details Facility Information Collateral Details Checklist Documents e Application Verification e Internal KYC e External KYC e Underwriting 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 Loan Approval e Document Verification Information captured during Previous stages are verified aA ORACLE 2 19 1 All documents obtained are verified against checklist e Manual Retry Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow ow bad te howe o mse a t
88. on Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Rate This is the rate of interest applicable Branch Total This indicates the branch total 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 Branch From Date To Date Report Format PDF Printer At Client Report Output Print Printer 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 26 ORACLE 2 7 1 Contents of the Report
89. onality SON Remarks No Match You can review the following KYC details Applicant Number System displays the Application number Customer Number System displays the customer number KYC Review Details Local Branch System displays the local branch code First Name Specify the first name of the applicant Middle Name Specify the middle name of the applicant Last Name Specify the last name of the applicant Date of Birth Specify date of birth of the applicant Country System displays the country code of the applicant Nationality Specify the nationality of the applicant System displays the following information e KYC Internal Status e KYC Internal Remarks e SDN Status e SDN Remarks abr ORACLE Based on the KYC and SDN statuses and remarks the reviewer decides whether to move the task to the next stage Click Review button to view all customer information and perform KYC and SDN checks The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed KYC Maintenance Summary Authorization Status Record Status KYC Reference Full Name of Customer KYC Customer Type Risk Level Advanced Search Records per page 15 v 1 Of 1 Authorization Status Record Status KYC Reference Full Name of Customer KYC Customer Type Risk Lew You can modify the KYC status and review based on the manual review done through KYC Review screen Alias Names Summary ad Date of Birt
90. owing options e 360 e 365 alt ORACLE 2 5 e Actual Days in Month Select the number of days that would constitute a month for calculation from the adjoining drop down list You can select one of the following options e 30 euro e 30 US e Actual 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 Enquiry ID P Application Category Product Code a3 Customer No First Name Last Name Status User Reference Records per page 15 v 1 Of 1 Authorization Status Record Status Enquiry ID Application Category Product Code Customer No FirstName
91. pect Details save lt i Hold Lead id Description View Offers Request ID Channel FLEXCUBE Promotion Code Main Details AUEUGEI Requested Income Details 10f1 F Income Type Frequency Currency Business Monthly E zl lt S Branch 000 az 6 Date of Request 2011 01 04 New Account Number Amount Application Type Current Status New Status Conversation ID Retail x NEW MA Ez Documents Conversation Maker Checker Income Details Income Type Date Time Date Time Mod No Record Status Authorization Status Select the income type from the adjoining option list Frequency Select the frequency of the income of the applicant Currency Select the currency of the income from the adjoining option list Amount Specify the income amount 2 8 ORACLE 2 2 4 Requested Tab You can capture the details related to the requested loan in Requested tab Prospect Details a Save c Hold Lead Id IST111 Branch 000 a3 Application Type Retai Description example E Date of Request 2011 01 06 Current Status NEW New Account Number New Status Request ID Conversation ID Channel FLEXCUBE ae Promotion Code Main Details Financial Requested Requested Loan Details Requested Currency k Rate Loan Type Vehicle Requested Amount Tenor In Months 12 Loan Purpose Vehicle Details Veh
92. ployment Details Employer Employment Type Select the customer s employment type from the drop down provided The following options are available e Part Time e Full Time e Contract Based Employer Specify the name of the employer of the prospective customer Occupation Specify the occupation of the prospective customer Designation Specify the designation of the prospective customer Employee Id Specify the employee Id of the prospective customer Address Line 1 4 Specify the employment address of the customer in four lines starting from Address Line 1 to Address Line 4 Pincode Specify the zip code associated with the office address specified Country Specify the country associated with the employment address specified Phone Number Specify the official phone number of the prospective customer Extension Specify the telephone extension number if any of the prospective customer Contact Phone Specify the contact phone number of the customer s contact person Contact Name Specify the name of a contact person at the customer s office Contact Extension Specify the telephone extension number if any associated with contact person a ORACLE 2 2 3 Comments Specify comments if any related to the customer s employment Department Specify the department to which the customer belongs Financial Tab You can capture the details related to the finance in the Financial tab Pros
93. pound years Years Select the actual number of days for the year from the adjoining drop down list You can select one of the following options e 360 e 365 e Actual Days in Month Select the number of days that would constitute a month for calculation from the adjoining drop down list You can select one of the following options e 30 euro e 30 US e Actual 2 19 22 1 Disbursal Details You can capture the Loan Disbursal schedules details in Disbursals screen You can invoke this screen by clicking Disbursement Details button Disbursais Application Number CorporateLending4806 ComponentName MAIN_INT Disbursals 10f1 i Schedule Date Total Disbursement Amount Amount To Disburse Already Disbursed Amount Split Details 10 Split Sequence No Split Percent SplitAmount PaymentMode SettlementBranch Settlement Account Numbe The following details related to the Loan Disbursal schedules can be captured here e Schedule Date e Total Disburse Amount e Amount to Disburse e Already Disbursed Amount The following Disbursal Schedule s Split Details can be captured here e Split Sequence No aag ORACLE e Split Percentage e Split Amount e Payment Mode e Settlement Branch e Settlement Account Number e Account Description e Customer amp Settlement Currency 2 19 22 2 Viewing Schedule Details You can view the modified schedule details Schedule details scre
94. ry 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 Agency Tab In Agency tab you can capture the details of the credit rating agencies and credit bureaus that provide credit rating details for customer securities al ORACLE 2 16 Application Category Maintenance Detail H save lt i Hold Application Category Application Type Retail Category Description Rule id Fe Ratio Id E Pricing Group b
95. 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 aot ORACLE 2 19 6 Terms and Conditions Specify the terms and conditions associated with the credit application Limits Tab You can capture the Facility Information in Limits tab Corporate Loan Application Entry les Save Hold Application Category a Leadid Application Number CorporateLending4113 0 Product Code FEI Enquiry 1D User Reference Description fa Priority Low Application Branch 000 Application Date 2011 01 04 Status New Application Main Details Financials Requested Limits Collateral Comments Liability Details Line Details Availability Liability Number ba Line Code FE Start Date m Liability Name o Line Serial Expiry Date E Main Liability No w Main Line Code Last Available Date B Liability Branch 000 Line Branch FE Remarks fal Liability Currency GBP a Line Currency La Revolving Line Overall Limit Limit Amount Collateral Amount Effective Line Amount Limit Collateral Basis Effective Line Amount Pool Details Pool Code GJ Pool Description Pool Currency ba Pool Amount Pool Utilize
96. s made the enquiry about the loan You can also select the date by clicking the adjoining Calendar icon ee ORACLE 2 2 1 New Account Number Application Type e Retail e Corporate e CASA e Ijarah e Istisna e Mudarabah e Murabaha e Musharaka e Tawarooq Current Status New Status Select the new status from the adjoining option list It is mandatory to select the new status if the current status is Closed Rejected or Additional Document Required Conversation ID Main Tab You can capture the following personal and geographical details related to a prospective customer Sequence Number The system displays the sequence number Type Select the type of the customer from the adjoining drop down list Existing Check this box if you are an existing customer Local Branch Select the local branch of an existing customer from the adjoining option list Customer No Select the customer number from the adjoining option list Default Click on default button to default the details on existing customer Short Name Specify the short name of the customer oe ORACLE Customer Name Specify the name of the customer National Id Specify the national Id or country code of the customer or select the national Id from the option list provided Responsibility Select the responsibility from the adjoining drop down list Liability Specify the liability for all parties other than primar
97. t apee im m a a re er kd i r tep ad were aieea roe a Poer oi o r r oe eee oe lore ny p ten Cee ae ee om t Me iw i Ld t oa hd ar w sner i d e tew bore ton Cea beo gt sre x owe wae ass a apor D ad gt oe be GL EN e Lg Ses wry wre gt 2 ove tos armo begbe 4 2 u baw ain herd rra were re ba ci Ai K a ere n co ober i a mau FF The various tasks carried out in these stages will be explained in detail in the subsequent sections ORACLE 2 19 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 Stage Stage Title Description Function ID Exit point Application Entry The following details are captured as part of this stage Application Details Applicant Details Requested Lending Details Collateral Details Check List User Defined Fields and Comments Document Capture Advice Generation ORDCLAPP PROCEED CANCEL Application Verification The details captured as part of Application Entry stage is verified ORDCLVER PROCEED RETURN CANCEL Internal KYC The applicant will be verified for the internal KYC check ORDCLIKC PROCEED CANCEL External KYC
98. t 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 Branch This is the branch Product code This is the product code Application Num ber This is the loan application number Stage This is the stage at which the application lies Application Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Interest This is the rate of interest applicable Branch Total This indicates the branch total ee ORACLE 2 6 2 6 1 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 Uluecl Write epo Underwriting Status By Month and Underwriter Report Branch User From Date To
99. tails 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 1 Of 1 E Sequence Number Condition Result fa Elements Index Functions Braces Operators Logical Operators You can specify the following details here 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 3 6 6 OD You can select or f Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select L gt lt gt gt lt
100. tatus New Application Els Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Channel KYC Required External Credit Check Required Intermediary Group Auto Decision Required Applicant Details Branch Short Name Telephone ISD Code Customer No Customer Name Telephone Existing Customer National ID Fax ISD Code Category Fax Group Code RM ID Language RM Name Country Nationality Account Details Incorporation Business Description Account Branch Date Account Class Currency Account Capital Net Worth Country Documents Tradeln KYC Review CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer AccountFields a Previous Remarks Remarks Audit 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 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 tas
101. the schedule details for the offer you have selected Component 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 Component and the system will display the details of the payment and amortization schedules based on the loan details Corporate Lending Simulation Details ao E New amp Enter Query Enquiry ID Application Category Status Active Branch Product Code User Reference Enquiry Date Description Customer Details Customer No First Name Contact Number Last Name Email Requested Loan Details Requested Currency Rate Loan Purpose Requested Amount Tenor in Months 12 Loan Component Component Name Main Component 40f1 Component Curren z p urrency Capitalized Exlode Schedule _ Liquidation Mode Auto Waive Verity Funds Schedule Details Schedules 10f1 E Schedule Type Schedule Flag Formula FirstDueDate NoofSchedules Units Frequency DueDateOn Schedule StartDatex EndDate Am a T Maker Date Time Mod No Checker Date Time You can specify the following schedule related details Compound Days Specify the number of compound days Compound Months Specify the number of compound months Compound Years Specify the number of compound years Years Select the actual number of days for the year from the adjoining drop down list You can select one of the foll
102. the system Select the appropriate one Line Branch Select the line branch code The adjoining option list displays all valid branch codes maintained in the system Select the appropriate one Line Currency Select the line currency code The adjoining option list displays all valid line currency codes maintained in the system Select the appropriate one Line Amount Specify the line amount Limit Amount Specify the limit amount Collateral Amount If the collateral is maintained system displays the collateral amount when you click on Default button Otherwise system displays the value as zero Effective Line Amount Basis Select the basis on which the effective line amount is calculated Effective Line Amount System displays the effective line amount based on the specified effective line amount basis Availability Start Date Specify the start date of the line from the adjoining calendar Expiry Date Specify the expiry date of the line from the adjoining calendar Last Available Date Specify the last availability date for the line from the adjoining calendar Remarks Specify the remarks for the line Revolving Line Check this box to indicate that the revolving line is required 206 ORACLE 2 19 7 Pool Details Pool Code Select the pool code The adjoining option list displays all valid pool codes maintained in the system Select the appropriate one Pool Designation Specify the pool des
103. tion Status Record Status KYC Reference Full Name of Customer KYC Customer Type Risk Lew Alias Names Summary Date of Birth Advanced Search Records per page 15 101 Name Date of Birth Once reviewed the verifier provides the review status and remarks You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the external KYC status and SDN status respectively based on the review 210 ORACLE Step 6 Underwriting 2 19 16 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 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 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
104. tion number Stage This is the stage at which the application lies Application Date This is the date of application Currency This s the currency of the contract Product This indicates the product for the contract Value Date This indicates the value date of the contract oe ORACLE Field Name Field Description Loan Amount This indicates the loan amount Interest This indicates the interest rate for the loan Term This indicates the duration of the contract Branch Total This indicates the total number of records for the branch Maker This indicates the user ID of the maker of the application 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 Credit Application By User Number Of credit Application By User Report User Branch From Date To Date Report Format PDF Printer At Client Report Output Print Printer Specify the following details User 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 g
105. to apply for the new offer Click Apply button to apply the specified information Loan Details Loan Account Number Specify the loan account number Loan Branch Specify the loan branch Loan Currency Specify the loan currency Loan Amount Specify the loan account Down Payment Specify the downpayment done for the loan Value Date Specify the value date for the loan Maturity Date Specify the maturity date of the loan Instalment Start Date Specify the instalment start date of the loan from the adjoining calendar Status Change Mode Select the status change mode from the adjoining drop down list e Auto e Manual Close Collateral Check this box to close collateral No of Instalments Specify the number of instalments for the loan 280 ORACLE Frequency Specify the frequency of the instalment Unit Select the unit of the instalment from the adjoining drop down list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Click Apply button to apply the specified information Effective Date Effective Date Specify the effective date of the loan from the adjoining colander User Defined Element Values User Defined Element ID Specify the user defined element ID The adjoining option list displays all valid user defined element IDs You can select the appropriate one User Defined Element Value Specify the User Defined element value Rate Code Specify the rate code for the loan The
106. turn 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 system displays the system message as Acquire Successful on successful acquisition of the task 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 Underwriting screen 206 ORACLE Step 3 Internal KYC Review If the check box KYC Required is checked then the bank performs the KYC check for the applicant KYC Review Application Number 001005754 Customer No 001005754 YC Review Details Local Branch KYC Internal Status No Match First Name KYC Internal Remarks No Match Middle Name SON Status No Makhi Yast Name Date of Birth Country Nati
107. tus Application Type Application Category Category Description Application Type L 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 Maintaining Pricing Details Oracle FLEXCUBE allows you to maintain pricing groups and apply a suitable pricing rule to an application category during corporate loan origination The pricing rule automatically selects the best matched loan offer for the loan application from the available offers for the application category You need to maintain pricing groups and define the price IDs and formulae for the group using Pricing Details screen To invoke the screen type ORDPRCMT in the field at the top right corner of the application toolbar and click the adjoining arrow button 2 39 ORACLE 2 18 Pricing Maintenance E New Enter Query Price Group ID Price Type Retail bd Description Pricing Details 10f1 Price ID Price Description Default Formula Offer E Ofer Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Pricing Group ID Specify a unique name to identify the price group Description Specify a brief
108. tus NEW New Account Number New Status a7 Request ID Conversation ID a7 Channel FLEXCUBE na Promotion Code Applicant Details Type Primary Customer Name it Main Details Financial Requested Address Details 1020 BE Address 1 Pin Code Aulikess Typo Address 2 Contact Number SS Address 3 Country Address 4 E Current Employment Details 10 gt GI Address 1 Extension Empl Address 2 Contact Phone m er Address 3 Contact Name mployment Type Full Time permanent Address 4 Contact Extension Occupation f Country Department Designation te Pin Code Comments Employee Id io Phone Number Business Details Type of Business Currency Name of Business Annual Turnover Type of Ownership Others Documents Conversation Maker Date Time Mod No Checker Record Status Date Time Authorization Status Address Details Address Type Select the address type of the customer from the following options provided in the drop down list e Correspondence Address e Registration Mailing Check this box to indicate that the address you specify here is the customer s mailing address Address Line 1 4 Specify the address of the customer in four lines starting from Address Line 1 to Address Line 4 Contact Number Specify the contact telephone number of the customer Pincode Specify the zip code associated wit the address specified 26 ORACLE Country Specify the country associated with the address specified Em
109. uble click a desired record to view the detailed screen 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 Personal Details of the Prospect e Loan offers selected by the Prospect Based on the product offers selected and requested details the system will generate loan and schedule details ats ORACLE 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 Lending Simulation Details E New amp Enter Query Enquiry ID Application Category Status Active Branch Product Code User Reference Enquiry Date Description Detal Customer Details Customer No FirstName Contact Number Last Name Email Requested Loan Details Requested Currency Rate Loan Purpose Requested Amount Tenor In Months 12 EEY Component Multiple Offers 10f1 E Offerid No ofinstallments Frequency Unit Rate RateCode Check Apply Loan Details Loan Branch Value Date No ofInstallments 12 Loan Account Number Maturity Date Frequency 1 Financing Currency Installment Start Date Unit Monthly Financing Amount Status Change
110. uested by the prospective customer Interest Rate Specify the preferred interest rate of the prospective customer Tenor in months Specify the preferred loan tenor in months of the prospective customer No of Installments Specify the requested Number of Loan Instalments Schedules Frequency Specify the requested Loan Schedule Frequency Unit Specify the requested Loan Schedule Frequency Unit Basis Loan Purpose Specify the Purpose of the loan Itemization Specify the tenor itemization that is required For example you can specify the itemizations like Booking Amount Payment Interiors etc 208 ORACLE 2 19 9 2 19 10 Comments Specify comments if any corresponding to the itemization Comments Tab In this tab you can specify comments if any related to the loan application Corporate Loan Application Entry A al Save F Hold Application Category a Leadid al Application Number CorporateLending4113 Product Code Enquiry ID Ga User Reference Description fel Default Priority Low Application Branch 000 Status New Application Application Date 2011 01 04 Main Details Financials Requested Limits Collateral Comments Comments 10f1 I E Serial No Comments CommentBy Comment Date Documents Tradeln CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit
111. ustomer can be contacted E mail ID Specify the e mail ID of the prospective customer Requested Loan Details You can enter the details requested by the prospect here Requested 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 preferred interest rate of the prospective customer Tenor In Months Specify the preferred loan tenor in months of the prospective customer Loan Purpose Specify the purpose of the loan Loan Tab You can maintain the offers for the customer in the loan tab anlo ORACLE Corporate Lending Simulation Details Eer New E3 Enter Query Enquiry ID Application Category Status Active Branch Product Code User Reference Enquiry Date Description Customer Details Customer No First Name Contact Number Last Name Email Requested Loan Details Requested Currency Rate Loan Purpose Requested Amount Tenor in Months EUI Component Multiple Offers 10f1 e Offerid No ofinstallments Frequency Unit Rate RateCode Check Apply Loan Details Loan Branch Value Date No ofinstallments 12 Loan Account Number Maturity Date Frequency 1 Financing Currency Installment Start Date B Unit Monthly xj Financing Amount Status Change Mode Auto X Effective Date User Defined Element V
112. vices Checklist Document Upload TE Document Upload Remarks Ratio Upload Upload View A i Document Path In the Document Upload sub screen specify the corresponding document path and click the Submit button Once the document is uploaded through the upload button the system displays the document reference number 261 ORACLE View Click View to view the document uploaded In Corporate Loan Origination process Document Upload feature is not available in all the stages Its availability in this process is given below View Avail Stage Title Function Id Doe Catoni AproantAvaitanlg able Not Exists Not Available Available Application ORDCLAPP Available Available Available Entry Application Veri ORDCLVER Available Available Available fication Underwriting ORDCLUND Available Available Available Facility Approval ORDCLAPR Available Available Available Document Veri ORDCLDVR Available Available Available fication Customer Account Facil ity Loan Col lateral Creation 2 19 11 Capturing Trade In Details You can capture the trade in details related to the loan application in Trade In sub screen To invoke this screen click Trade In button in Corporate Loan Application Entry screen Trade in Details Application Number CorporateLend
113. y applicant City The system defaults the city of the customer Country Specify the country of domicile of the customer or select the country code from the option list provided Nationality Specify the country of which the customer is a national or select the country code from the option list provided Language Specify the primary language of the customer or select the language from the option list provided Customer Category Specify the category to which the customer belongs or select the customer category from the option list that displays all valid customer categories Financial Currency Select the financial currency from the adjoining option list Mobile Number Specify the mobile phone number of the prospective customer Landline No Specify the land phone number of the prospective customer E mail Specify the e mail Id of the prospective customer Fax Specify the fax number of the prospective customer Preferred Date of Contact Specify the preferred date of contact Preferred Time of Contact Specify the preferred time of contact First Name Specify the first name of the customer os ORACLE Middle Name Specify the middle name of the customer Last Name Specify the last name of the customer Salutation Select the salutation preference of the customer from the drop down list provided You canselect any of the following options e Mr e Mrs e Miss DrGender Select the gender of the customer
114. y 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 a ORACLE 2 2 1 2 3 Click OK button to generate the report Click Exit to return to the Reports Browser 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 for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Branch This is the branch code Application Number This is the application number Stage This is the stage at which the application lies Application Date This is the date of application Currency This s the currency of the contract Product This indicates the product for the contract Value Date This indicates the value date of the contract Loan Amount This indicates the loan amount Contract Date This indicates the contract date Contract Interest This indicates the rate of interest Contract Term This indicates the duration of the contract Branch Tot
115. you can capture the comments by the users Corporate Loan Underwriting Stage X H save ci Hold Application Category Leadld Application Number Product Code Enquiry ID fas User Reference Description Priority Low X Application Branch 000 Application Date 2011 01 04 3 Status New Application Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Comments 10f1 25 ea Serial No Comments Comment By Comment Date z wi S Doc1 Documents Tradeln KYCReview CustomerDedupe LoanDedupe CustomerMIS CustomerAccountMIS Customer AccountFields Previous Remarks Remarks Audit You can capture the following details Serial No Specify the serial number of the comment Comments Specify comments if any to be associated with the loan application Comments By The system displays the commenter s ID 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 The underwriter can choose the outcome as VERIFY if the credit bureau or vehicle evaluator deta

Corporate Loan Origination

Contents

Download Pdf Manuals

Related Search

Related Contents