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Oracle Financial Services Lending and Leasing

1. a c gt DashBoard Origination x Close Origination Result Task Application Entry Search Review Requests Pending 0 Quick Search 7 Origination a AN Sales Lead licati Add Edit View Audit Simple Application Entry Application TA ZE ER P u SSN Application Entry View Formaty Ey if Detach Q Override Warning OK B j i 2 Submit A Clear Pi Underwriting Dt z Statu en ers Stage ONE AERE roducer Contact Existing Funding CT Summary No data to display Application Retrieval Grad 4 gt ade Analysis iwi Application Documents uve Image Maintenance Reports Summary Applicant Request Decision Bureau Contract Comments Tracking viChange Status Producers v Super Summary Status Vendors Super Summary Applicant Requested dd Y Relation Type Reg Advanc A Comment Name Reg Ter Alrt Birth Dt Reg Rai 4 Address Own or Rent Decision Stated Amount Monthly Max Financed An Actual Amount Monthly Ter Stated Time at Residence YY MM Rate Actual Time at Residence YY MM Approved Buy Rate Scor Employment Contract Type Amt Finance Employer First Pmt Occupation Title e Use Quick Search to search for an application based on application number or last 4 digits of SSN SSN of the primary applicant e Summary section displays critical information that has to be referred repeatedly during origination like Requested Advan
2. 1 18 Wholesale Floor Planning Setup 2 1 Zit etupihe WFP EOOKUDS ou aaa 2 1 2 1 1 Set up the WEP Parameters ccccccscccseecsescnsseccueccesccsseceuecaesccusensucnsusenans 2 2 Index ir AD vas ORE ELM CR PEE nies 3 1 mE m 3 1 J2 verte ot ence 3 1 OS inii ab n ve LIMES E MM E 4 1 AN ERU 4 1 AZ iP COS EAK cR 4 1 PIGINGS M TEL eaindanzsexessk 5 1 eM i ULM 5 1 DZ HP TIGING WINK dee ER 5 1 rel piger e Em 6 1 61 cect ccs rc 6 1 0 2 6 1 5 65 5 7 1 Tate E 1 1 TZ LAN VERE m 1 1 Transactions w 8 1 5 eR eer ee 8 1 G2 ITransacton C Odes EINK vice ond Gente 8 1 je 9 S M CMON See stipes Rm 9 1 92 SPreads LINK Ge aoe 9 1 Appendix A Late Fee Methods Definitions Appendix B Rounding Amou
3. ORACLE z amp Signedinas DEMOSALES Accessibility P9 Sign Out e Financial Services Lending and Leasing gt DashBoard Sales Lead Close Origination Lead Entry Follow Up Maintenance 7 Origination Orn Applicant Information ei Add A Edit view ff Audit Sipie Applicatial View Format Freeze Detach Vrap w Application Entry Lead Lead Dt Company Branch First Name Last Name Birth Dt Channel Source Type Underwriting I 00001004 08 13 2013 uso1 USHQ JOHN ACTAEON 08 13 1980 WEB WEB ENTRY HOME Funding L 0000 1010 08 16 2013 Uso1 USHQ REBECCA WATSON 08 16 1981 WEB WEB ENTRY HOME Application Retrie L 00001012 08 22 2013 501 USHQ CARL WINTER 01 01 1981 WEB WEB ENTRY HOME Scenario Analysis L 00001016 08 24 2013 Uso1i USHQ REED BLACK 11 29 1973 NEWSPAPER SCENARIO ANALYSIS HOME Application Docut L 00001018 08 28 2013 Uso1i USR1 JELLY LEWIS 08 20 1978 CONSULTATION WEB ENTRY HOME image Mantenar L 00001020 08 29 2013 US01 USHQ GEREMY LEWIS 08 15 1984 WEB WEB ENTRY HOME Reparti L 00001006 08 14 2013 USHQ JASON LANDLESS 08 17 1981 WEB WEB ENTRY HOME Producers L 0000 1002 08 13 2013 501 USHQ JACMEN JOHN 10 10 1983 WEB WEB ENTRY HOME Vendors s In Telecoms Comments Documents Requests Telecom Information s add Z Edit E vew Audit View Format EP Freeze fi Detach J Wrap H 4 Telecom Type Phone Current ANSWERING SERVICE 088 889 9995 Y PHONE 000 326 5848
4. Please do not set up the Wholesale Floor Planning module until after you have completed all other aspects of Oracle Financial Services Lending and Leasing setup Set up the WFP Lookups Note For more information about lookups see this section of the Lookups link Lookups Set up Screen in the Administration System Setup of this guide To set up the WFP lookups 1 Onthe Oracle Financial Services Lending and Leasing home screen click the Setup master tab 2 Click the Administration bar link 3 In the Administration screen s link bar click the System drop down link then click Lookups 4 Inthe Lookups Setup screen s Lookup Types section the following lookup codes apply to the WFP module 2 ORACLE 2 1 1 Set up the WFP Parameters WFP_ACCR BASE DAYS CD BASE DAYS FOR COMPUTING ACCRUALS IN WFP WFP ADJUSTMENT REASONS CD BATCH FILE ADJUSTMENT REASONS WFP ADJUSTMENT TYPES CD BATCH UNITS FILE ADJUSTMENT TYPES WFP BATCH STATUS TYPES CD BATCH UNITS FILE STATUS TYPES WFP CL ALTER ACTIONS CD ALTERATION ACTION ON CREDIT LINES IN WFP WEP FEE CALC METHODS CD WFP GL HEADER SEGMENTS GL HEADER SEGMENTS SUB CODE USED FOR LABELS IN GLIS03 M WFP PRODUCER STATUS WHOLESALE PRODUCER STATUS TYPES CD WFP RATE REASONS CD RATE CHANGE REASONS WFP RESCHED REASONS CD UNIT RE SCHEDULING REASONS WFP TXN ACTION TYPES CD TRANSACTION ACTION TYPES FOR FLOOR PLANNING WFP TXN BALANCE TYPE CD WHOLESALE FLOOR PLAN WFP WBT BAL
5. ANCE CD CODES WFP TXN SUB TYPES CD TRANSACTION SUB TYPES SUB CODE USED FOR INDICATING BALANCE WFP TXN TYPES CD FLOOR PLANNING TRANSACTION TYPES WFP UNIT ASSET TYPE CD WHOLESALE FLOOR PLAN ASSET TYPES WFP UNIT COND ACTION CD ACTION ASSOCITED WITH THE WFP UNIT CONDITION ORACLE WFP UNIT COND REASONS CD WFP UNIT STATUS REASONS CD WFP UNIT STATUS TYPES CD WFP WCP CEIL INDEX CD WHOLESALE FLOOR PLAN WFP WCP CEIL INDEX CD CODES WFP WCP MARGIN INDEX CD WHOLESALE FLOOR PLAN WFP WCP MAR GIN INDEX CD CODES WFP WFR FEE CALC WHOLESALE FLOOR PLAN WFP WFR FEE METHOD CD CALC METHOD CD CODES WFP WIB LEVEL IND CD WHOLESALE FLOOR PLAN WIB LEVEL INDI CATOR CODES WFP WCP UNIT CD WHOLESALE FLOOR PLAN WFP WCP UNIT CD CODES The following parameters apply to the WFP module e WFP MAX CYCLES BACKDT e WFP REVERSE TXN IND Wholesale Floor Planning parameters are set up at the system level System level parameters In setting up system level parameters for wholesale floor planning you will need to know the answer to the following two questions e The number of cycles back dated e Which transactions use the reverse indicator Note For more information about system level parameters see this section of Parameters link Parameters Setup screen in the Administration System Setup of this guide To set up the WFP parameters at the system level 1 Onthe Oracle Financial Services Lending and Leasing home screen click the Setup m
6. Max Rate Decrease Life Enter the maximum rate increase in a year This is the ceiling limit for rate increases in a year required Enter the maximum rate decrease in a year This is the floor limit for rate decreases in a year required Select the accrual base days This is the number of days the instru ment assumes in a year for interest computation 360 365 or 366 If the accrual base is selected as 365 the interest computation would be based on actual days 365 and the base would be 365 However in this case if the year happens to be a leap year and the actual day s computation includes the month of February then the additional day of leap year is not considered required Enter the accrual start days This is the number of days after which interest accrual starts once the instrument is in use required Enter the refund tolerance amount If the refund due to the producer is more than this the tolerance amount is refunded Note You cannot complete this field if the Refund Allowed box is selected required Enter the delinquency grace days This is the number of days after the payment due date during which the account will not be considered delinquent required Enter the number or rate changes in life This is the maximum number of times the rate can be changed during the life of the contract required Enter the maximum rate increase in life of loan This is the ceiling limit for rate increase during the entir
7. 31 4000 HOME COLLATERAL REAL PROPERTY HON MORTGAGE Click to refresh the data in the table Print option in Customer Service screen The Print button option in Customer Service Collection screen facilitates you to print the contents on the screen as is without scroll bars This button is available along with other options in the Action block Clicking on this provides a browser print functionality and a new tab is opened where the print content is displayed Detach Origination 8 Close Result Task Application Entry Search Review Requests Pending 0 New Application Open Application unlock Application zatior Quick Search intry App SSN Submit tetrie Queue v Next Application alysis ocut Search View Formaty Ey ll Wrap Q view al v E company Date Title Product Status Producer Seared 0000001854 03 21 2013 18541854 LOAN VEHICLE FR NEW BLANK NYOZ PR 0000001858 03 20 2013 1852 1852 LOAN VEHICLE FR NEW BLANK NY 02 PR L3 o US01 USHQ 0000001861 03 21 2013 1861 1861 LOAN VEHICLE FR NEW BLANK MN 00001 TERMINATE USHQ 0000001862 03 22 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MT 00001 SGFSADDF 9 US01 USHQ 0000001863 03 22 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MN 00001 TERMINATE USO1 USHO 000000 1864 03 23 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MT 00001 SGFSADDF Detached Table
8. 58 Men Format E Freeze Foe Wrap vewa V Company Branch laps nte Product Status Producer seard lly 18541854 1 1 1 1 L1OANVEHIQE FR NEW BLANK NY 2 PR A o9 US01 USHQ 0000001858 03 20 2013 1852 1852 LOAN VEHICLE FR NEW BLANK NY 02 PR USO1 USHQ 0000001861 03 21 2013 1861 1861 LOAN VEHICLE FR NEW BLANK MN 00001 TERMINATE E o US01 USHQ 000000 1862 03 22 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MT 00001 SGFSADDF o9 US01 USHQ 0000001863 03 22 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MN 00001 TERMINATE o US01 USHQ 0000001864 03 23 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK MT 00001 SGFSADDF o9 US01 USHQ 0000001865 03 24 2013 ME DETACH LOAN VEHICLE FR NEW BLANK MN 0000 1 TERMINATE cr TBR1 0000001610 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK AKO1 PR4 cti TBR1 0000001611 03 12 2013 ALASKA ALASKA LOAN VEHICLE FR NEW BLANK AKO1 PR4 cri TBR1 0000001612 03 12 2013 3463 Q352 LOAN VEHICLE FR NEW BLANK AKO1 PR4 o US01 USHQ 0000001615 01 09 2013 1615 1615 MDP1 NEW BLANK NY 02 PR o USO1 USHQ 0000001623 03 12 2013 HH HFHG LOAN VEHICLE FR NEW BLANK NY 02 PR usoi USHQ 0000001625 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR o US01 USHQ 0000001627 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR US01 USHQ 0000001628 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR o9 US01 USHQ 0000001629 03 12 2013 UNDEFINED LOAN VEH
9. Blindness In order to interpret the visual display information in the audible form Screen reader compatibility is provided In places where Screen reader technology cannot obtain information from images text equivalents for images are provided For Users with difficulty in using mouse since it requires hand and eye coordination Keyboard navigation is provided Details of keyboard navigation is provided in Section 1 8 3 2 Keyboard Compatibility Low vision For Users who cannot view the content that has small font size and cannot be enlarged ooftware magnifier is provided to enlarge text and images beyond normal font enlargement Also there is no information presented using attributes such as depth size location font etc For high contrast requirements Screen setting can be adjusted Color blindness Oracle Accessibility guidelines have been followed and hence accessibility issues relating to color blindness are addressed Also high contrast colors have been used to address difficulty in identifying shades of colors For example Black text in white background For Hearing Challenges People with hearing challenges or hard of hearing might encounter problems accessing the information presented using sounds Some application features minimize their concerns Visual representations of audible information is provided so that Users with this challenge do not miss information presented using audio For Age related Ch
10. Financial Services Lending and Leasing will not compute this balance from that date on for all new producers credit lines or units dn ORACLE Note The balance types PRINCIPAL BALANCE and INTEREST should be enabled at the UNIT level dm ORACLE 8 1 8 2 8 Transactions Introduction The Transactions records the system defined consolidated list of transaction codes available in the WFP module The transaction codes defined on this screen are fixed system defined and set up during WFP installation you cannot modify them However you can choose not to use a transaction code by clearing its Enabled check box You can also choose which transactions affect the general ledger by selecting the GL check box The transaction codes defined here are available on the Wholesale Floor Planning Maintenance form Note If any transaction code is disabled on the Transaction Codes screen it may have an im pact on the spreads if the disabled transaction code was listed in the Spread Details sec tion on the Spreads screen Oracle Financial Services Lending and Leasing would not be able to prevent allocation of payment to this code in spite of it being disabled Transaction Codes Link To use the Transaction Codes link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Transactions ORACLE a Welcome OMAMUN Accessibility 358 Sign Out e Financial Services Lending and L
11. PREETHI LOAN UNSECURED V NEW PRESCREEN Al AK01 PR4 o9 US01 USHQ 0000001699 03 14 2013 DFDFGFG SAFSDF LOAN HOME VR NEW BLANK NY 02 PR 9 US01 USHQ 0000001712 03 14 2013 COLLATERAL TEST LOAN HOME VR NEW BLANK NY 02 PR 9 US01 USHQ 0000001722 03 14 2013 COLQU4 COLQU4 LOAN VEHICLE FR NEW PREQUALIFY ZNY 02 PR 9 US01 USHQ 0000001734 03 14 2013 UNDEFINED NORM DSBR NEW BLANK NY 02 PR o US01 USHQ 0000001735 03 14 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR US01 USHQ 0000001759 03 15 2013 DSADSA XSAX LOAN VEHICLE FR NEW BLANK NY 02 PR 9 US01 USHQ 0000001765 03 15 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR usoi USHQ 0000001766 03 15 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR Click Add Edit or View button to open a new screen in expanded mode with details Tus ORACLE Drop down List The system provides an option to select the required data from LOV for few fields You can either select the record from list or enter first alphabet of the value you want When you provide the alphabet system limits the selection to the values starting with the specified alphabet These lists are grouped into two types e Drop down list Provides the selection option You can either select a record from the list or enter first alphabet of the required value e Combo drop down list The LOV contains huge data and provides both selection and search option These drop down arrows a
12. User Id Password Sign In Orade Financial Services Lending and Leasing 14 1 0 0 0 Copyright 1998 2013 Oracle and or its affiliates All rights reserved e User ID Specify a valid User ID e Password Specify a valid password for the specified User ID The system accepts the User ID and password in upper case only After specifying valid credentials click Sign In to sign into the application 1 4 Template and Navigation This section provides a brief input on the template and navigation of the system Details are grouped into two categories to enable easy understanding These include e Home screen e Screens 1 4 1 Home Screen Once you login to the application with valid credentials the system authenticates the details and displays the Home screen The Home screen consists of the following components e Header e Left Pane ve ORACLE e Right Pane Work Area Financial Services Lending and Leasing You can view the application version details and copyright information by clicking About link at the right corner of the screen About Oracle Financial Services Lending and Leasing 14 1 0 0 0 Build OFSLL_14 1 0 0 0_P200 Copyright 1998 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 This software and related documentation are provided under a license agreement
13. Y You can open a maximum of 15 screens at a go Once the maximum limit is reached the system displays an error message In origination only one among the three screens namely Application Entry Underwriting Funding can be opened at a time If Application Entry screen is open and you click on Underwriting or Funding the system retains the same screen ias ORACLE ORACLE Financial Services Lending and Leasing gt DashBoard Seauritization Transaction Authorization Post Date Checks Escrow Transactions Account Documents Collateral Management Close gt Origination Collateral Details Search Servicin x T 2 Collateral Details dada Z Edit Blvew A Audit V Servicing rUM EN NEN View Format Detach p Submit Customer Service uh ER Shots _ Status Asset Id Asset Primary Collateral Type Asset Type Sub Type Occupancy Identification Transaction Authorization ACTIVE 1036 1010 VEHICLE COLLATERA VEHICLE CAR 594565465 Post Date Checks NEW 1058 1015 Y VEHICLE COLLATERA NON GEAR TWO WHE ACTIVA NOT APPLICABLE s acre Tristan ctdirus ACTIVE 2006 1020 Y SINGLE FAMILY HOMENOT APPLICABLE ACTIVE 2008 1021 Y SINGLE FAMILY HOMENOT APPLICABLE Account Documents RELEASED 2009 1022 Y SINGLE FAMILY HOMENOT APPLICABLE WAUZZZ8K3DA 1304 c Collateral Management lt r Reports Producers Columns Hidden 13 Vendors Valuations Tracking A t History Asset Relation Audit 7 Batch Transac tions Ad A
14. containing 4 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 If this is software or related documentation that is delivered to the U S Government or anyone licensing it on behalf of the U S Government the following notice is applicable COONEBNNENFERG AEDS Cee nea ai i A integrated software any programs installed on 1 the hardware the programs and or documentation shall be subject to license This software or hardware is developed for general use in a variety of information management applications it is not developed or intended for use a cn kn ee then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affilates disclaim any liability for any damages caused by use of this software or hardware in dangerous Header In the Header system displays the following ORACLE User ID that you have currently l
15. list Debug Enabled Ind Check this box to enable error logs Time Zone Level Select the time zone preference as User Company Branch Application Server Time Zone from the adjoining options list For more details on time zone selection refer to Time Zone Preference section of this user manual Click Submit to save the changes or Close to close the screen without changes Accessibility Click the link to view accessibility features of the system Refer accessibility document for further details Sign Out Click the link to sign off from the application You can also click on icon to sign off from the application Ps ORACLE Left Window In the left pane system lists and provides drop down links for various modules available in the product Click to expand the Module Master Tabs and to collapse them DashBoard gt Origination Servicing v kervicing Customer Service Securitization Transaction Authorization Post Date Checks Escrow Transactions Account Documents Collateral Management Reports Producers Vendors Batch Transactions gt Collections gt WFP gt Tools gt Setup open a screen navigate to Module Master Tab to which the screen belongs expand the tabs and click the screen link you wish to open Right Window The Right Window can also be termed as work area When you click the screen link on left pane system displays the corresponding screen in the right pane
16. up during WFP installation You cannot add or modify any balance types However you can choose not to use a balance type by clearing its Enabled check box Balances Link To view the Balance Types link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Balances 1 In the Balance Types section select the record you want to work with ORACLE signedinas DEMOSALES v Accessibility X Sign Out Oo Financial Services Lending and Leasing Close gt DashBoard Balances gt Origination Balance Types gt Servicing View Format gt Freeze PM Detach rap Wd gt Collections Type Code Description Level Enabled gt WEP FEE ANL PRODUCER ANNUAL FEES PRODUCER gt Tools FEE AUD CREDITLINE AUDIT FEES CREDIT LINE Y INT INT INTEREST UNIT Y Setup FEE LC LATE CHARGE UNIT Y Currencies FEE NSF NON SUFFICIENT FUNDS PRODUCER Y Zip Codes E FEE OTH UNIT OTHER FEES UNIT V Products PB PB PRINCIPAL BALANCE UNIT Y Asset Types FEE Svc UNIT SERVICE FEES UNIT Index Rates Currency Exchange Scoring Parameters Note If you choose use Search Criteria to limit the display of records In the Balance Types section view the following display only information Wee H Level The balance level This indicates whether the balance is computed at PRODUCER CREDIT LINE or UNIT level Enabled Select to enable the balance types When this check box is clear Oracle
17. EST TESTED VEHICLES DEMONSTRATOR VEHICLES PRIME RATE 8 26 1992 12 31 4000 TERRES TRADE TRADE TRADE VEHICLES PRODUCER TRADES PRIME RATE 8 26 1992 12 31 4000 Tica Has USED REFURBISHED REFURBISHED VEHICLES USED VEHICLES 8 26 1992 12 31 4000 nia USED 1 USED USED VEHICLES USED VEHICLES PRIME RATE 8 26 1992 12 31 4000 USED2 USED USED VEHICLES USED VEHICLES PRIME RATE 8 26 1992 12 31 4000 4 m b 4 Pricing Details H Save an d Add Save and Stay H Save and Return 9 Return Code End Dt w Prior Year 5 Curtailment Credit Line Enabled Index Description Initial Adv aay Margin Rate Unit Term Current Ceiling Index Start Dt Ec rte ik Ceiling Rate Note In the Pricing Details section select the record you want to work with and click Show in the Details column If you choose use Search Criteria to limit the display of records f you are entering a new record click Add f you are changing an existing record click Edit In the Pricing Details section enter view or edit the following information Enter the pricing code required Credit Line Enter the credit line Each entry in the list should be unique required x ORACLE Enter a description of the credit line required Select the unit type This describes the type of unit to which the pricing applies required Start Date Enter the start date This is the date after which the pricing plan would be in use and availabl
18. F STANDARD PAYMENT PYRAMID LAW late fee is set as 10 and the standard payment is 200 then 20 10 of 200 is owed If only 90 of a 200 standard payment was due then the late fee would still be 20 If 3000 on a loan with a standard payment of 200 is due the late fee will be 20 since the fee is calculated based on the payment due not the total outstanding amount due However if a customer is assessed a late fee of 20 for 1 2005 and makes the 200 standard payment in 2 2005 that person cannot be assessed a new late fee for 2 2005 even though the payment only fulfills the amount owed for 1 2005 If the customer makes a payment of 199 in 2 2005 an amount that does not fulfill the standard payment then the system could assess a late fee for 2 2005 e ORACLE Appendix B Rounding Amounts and Rate Attributes Rounding Amounts Generally in the lending industry computed amounts interest fees costs and so on are rounded to the second decimal place However there are occasions where the rounding of the computed amounts has to be carried out using different methods Oracle Financial Services Lending and Leasing supports the rounding raising or cutting off of calculated amounts Rounding will increase the resulting amount to the next number up to the second decimal based on the value of third decimal Raising will always increase the resulting amount to the next number up to the second decimal Cutting off will al
19. ICLE FR NEW BLANK NY 02 PR o9 US01 USHQ 0000001633 03 12 2013 ASDASD ASDAS LOAN VEHICLE FR NEW BLANK NY 02 PR o9 US01 USHQ 0000001638 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR 9 US01 USHQ 0000001639 03 12 2013 UNDEFINED NORM DSBR NEW BLANK NY 02 PR usei USHQ 000000 1647 03 12 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR o US01 USHQ 0000001653 03 13 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR usoi USHQ 0000001655 03 13 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR US01 USHQ 0000001659 03 13 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR o CTE1 TBR1 0000001667 03 13 2013 MANIVANNAN PREETHI LOAN VEHICLE FR NEW PRESCREEN Al AK01 PR4 o9 US01 USHQ 0000001676 03 13 2013 MANIVANNAN PREETHI LOAN UNSECURED V NEW PRESCREEN AINY 02 PR o US01 USHQ 0000001680 03 13 2013 1680 1680 NORM DSBR NEW BLANK NY 02 PR o9 US01 USHQ 0000001681 03 13 2013 1681 1681 LOAN VEHICLE FR NEW BLANK NY 02 PR o9 CTE1 TBR1 0000001682 03 13 2013 MANIVANNAN PREETHI LOAN VEHICLE FR NEW PRESCREEN Al AK01 PR4 o9 US01 USHQ 000000 1683 03 13 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR 9 US01 USHQ 0000001684 03 13 2013 UNDEFINED LOAN VEHICLE FR NEW BLANK NY 02 PR uso1 USHQ 0000001685 03 13 2013 ASD ASD LOAN VEHICLE FR NEW BLANK NY 02 PR 7 US01 USHQ 000000 1686 01 09 2013 1686 1686 LOAN VEHICLE FR NEW BLANK NY 02 PR o CTE1 TBR1 0000001698 03 14 2013 MANIVANNAN
20. ORACLE WFP Setup Guide Oracle Financial Services Lending and Leasing Release 14 2 0 0 0 Part No E59770 01 May 2015 WFP Setup Guide May 2015 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 2015 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 use in any inherently dangerous applicatio
21. UT Valuations Wadd Z Edit Ej view d Audit Payments View Format Ez igi Detach p te Fees Current Valuation Date Sour e Edition Supplement Total Value Wholesale Base Usage Retail Base Interface Hiv 08 13 2013 KELLEY INTERFACE AP Transactions s GL Transactions 4 Card Transactions 1 Add Edit View Audit Conversion Accounts Addons Attributes o 7 P s View Format ze Efi Detach n2 Addons Attributes Value Amount No data to display B amp B Signed inas DEMOSALES v Accessibility PE Sign Out e Each active screen is displayed as a tab at the top of right pane across its width To view a screen click the screen tab You can identify the active screen with its white background Also operation on any of the screen will not affect the data in other screens Right Splitter Action Window The Right Splitter Action Window has quick access to search and other options to avoid switching between tabs or navigating into sub tabs periodically You can access the Right Splitter Action Window while working on an Application or Customer Service screens You can click 4 and gt to toggle the view of Right Splitter Action Window Origination Screens In Origination Application screens you can use the Right Splitter Action Window to do the following ORACLE Financial Services Lending and Leasing d Welcome OMAMUN Accessibility 28 Sign Out CO
22. YRAMID LAW late fee is set as 10 and if only 90 of a 200 standard payment was due then the late fee would be 9 If 3000 on a loan with a standard payment of 200 was due the late fee would be 20 However if a customer was assessed a late fee of 9 for 1 2005 and makes his 200 standard payment in 2 2005 then that person cannot be assessed a new late fee for 2 2005 even though his payment only fulfilled the amount owed for 1 2005 If the customer makes a payment of 199 in 2 2005 an amount that does not fulfill the standard payment then the individual could be assessed a late fee for 2 2005 Note The system computes the late fee based on the payment due for only that month and not the accumulated due amounts If the stated monthly payment is 300 and account is delinquent for 3 months 900 then the system computes the late fee every month with the amount due for that month 300 or part of 300 and not on 900 PERCENTAGE OF STANDARD PAYMENT PYRAMID LAW PERCENTAGE OF STANDARD PAYMENT PYRAMID LAW late fee prevents the pyramiding of percentage of standard payment late fees If an account becomes overdue then the system assesses a fee based on the standard monthly payment regardless of the current amount due However if the standard payment is made the following month then the system will not create a new late charge even if the payment made does not fulfill the current amount due For example if the PERCENTAGE O
23. ade compatible with keyboard only operations However there is a change in key combination based on the browser on which the application is running Browser Operating Key Combination System Google Chrome Linux Alt mnemonic Google Chrome Mac OS X Control Option mne monic Google Chrome Windows Alt mnemonic Mozilla Firefox Linux Alt Shift mnemonic Mozilla Firefox Mac OS X Control mnemonic Mozilla Firefox Windows Alt Shift mnemonic Microsoft Internet Windows Alt mnemonic Set focus Explorer 7 Microsoft Internet Windows Alt mnemonic Click or set focus Explorer 8 Apple Safari Windows Alt mnemonic Ts ORACLE Operating System Browser Key Combination Apple Safari Mac OS X Control Option mne Click monic Also one can use the following keyboard shortcuts in order to increase or decrease the zoom level Shortcut Action Ctrl To increase zoom level Ctrl To decrease zoom level Ctrl 0O To set zoom level to default level 1 7 Tool Tips The system is facilitated with tool tip option When the cursor is moved to any of the field in the screen a popup is displayed with a tip on the action to be performed 1 8 Accessibility status Purpose VEHICLE LOAN OR LEASE Cn Producer DEALER m c Producer Name Loan Currency USD Sales Agent Warr 1 8 1 Understanding Accessibility Accessibility is making the application usable for multiple user groups which includes use
24. al fields to search criteria The search criteria are provided below the Match field These criteria vary based on the Field for which the search is executed al ORACLE Also the system remembers your recent search options and demarcates them from the actual ones Channel WEB ENTRY mm Producer Name NY 02 PR HOLTSVILLE 43125313212 MT 00001 SGFSADDF RAMEY 23132132 i SCIONT AS MN 0D001 TERMINATE AGUADA MT 00001 SGFSADDF RAMEY 23132132 NY 02 PR HOLTSVILLE 43125313212 Search Comments In all the user input screens wherever comments are accepted the system allows an input of 4000 characters of information in the comment s field 1 6 Keyboard Compatibility The system facilitates keyboard compatibility You can perform most of your tasks using keyboard short cuts also termed as Hot Keys These hot keys are single keyboards or a combination of keyboards The available options are listed below 1 Shift Alt mnemonic to activate buttons in the screen For example to open Accessibility screen press Shift Alt y 2 Tab for forward navigation in the application Shift Tab for backward navigation in the application When the required link tab button field is highlighted press enter on the keyboard to edit Space bar to check or uncheck Check Box 4 Arrow Keys to hover within the drop down list 1 6 1 Keyboard Compatibility The application is m
25. allenges Apart from the above there can be aging issues like week eye sight or hearing Issues related to week eyesight can be addressed through Application features for Visual Challenges provided in Section 1 8 2 1 For Visual Challenges Tu ORACLE Issues related to hearing can be addressed through Application features for hearing challenges provided in Section 1 8 2 2 For Hearing Challenges For Users who are less familiar with computers the simplified user interface with easy navigation options uniform layout and design and commonly used terminology in the application is of great advantage To address issues relating to understanding complex information User manuals are provided for online help and tool tips at all required places are provided In addition system messages like error warning or information helps you through 1 8 3 Other Accessibility Considerations 1 8 3 1 Documentation Accessibility Apart from assigning the logical sequence and organizing topics the following techniques are used to enhance the accessibility of documentation e Addition of text equivalent to all graphics e Usage of standard fonts and avoiding shadow or reversed text e Usage of strong foreground and background color contrast e Color usages as per Oracle Accessibility guidelines have been ensured e Usage of styles and formatting elements e Documentation in simple language to ensure easy understanding e Including accurate and effec
26. ancial services Lending and Leasing to retain the fee rules associated with the balance type in case any are already associated with any existing units Fees Link To use the Fees link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Fees ORACLE Financial Services Lending and Leasing Welcome OMAMUN Accessibility 2 Sign Out eo gt DashBoard gt Origination gt Servicing gt Collections gt WFP gt Tools Setup Setup L Administration gt Products WFP Index Rates Fees Pricings Contracts Balances Transactions Spreads Fees Fee Balance Types View Format v Fee Rules Mew Format v State FLORIDA 4 4 Fee Rules State Producer Name Credit Line StartDt EP Freeze iq Detach irap Description PRODUCER ANNUAL FEES CREDITLINE AUDIT FEES INTEREST LATE CHARGE NON SUFFICIENT FUNDS UNIT OTHER FEES PRINCIPAL BALANCE UNIT SERVICE FEES EP Freeze Ef Detach irap H Producer Name v End Dt E Fee Amount Min 0 00 x Enabled V Fee Amount Max 0 00 TES Calculation Pr iv Method 12 18 2014 amp Fee 0 0000 X Close E view Level PRODUCER CREDIT LINE UNIT UNIT PRODUCER UNIT UNIT UNIT Add Z Edit Vie 2 Audit Credit Line Start Dt 12 18 2014 08 26 1992 p H Save and Add H Save and Stay 51 Save and Return a Return 1 Int
27. ased on account number or customer Id or last 4 digits of SSN SSN of the primary applicant You can also select the Queue Condition and Auto Run options during search e Use Add Comment section to post an alert or comment based on Type and Sub Type e Use Add Call Activity section to post all types of call activities including promise to pay account conditions and so on irrespective of the screen you are working on This is similar to the option available in Call Activities sub tab under Customer Service tab For detailed information on the above options refer to respective sections in the document The height of Header and width of the Left and Right Panes do not change with resizing of application screen The system facilitates toggling Header and Left and Right Panes of the home screen to increase the visible area of the screens Click u to toggle upper pane and 4 to toggle left pane To un toggle click 77 and gt respectively Few screens in Origination Servicing and Collection are identical and are linked Hence you can open only one screen at a time from the group A sample of the grouping structure is given below based on stages of the screens Origination e Simple Application Entry e Application Entry e Underwriting e Funding Collection e Collection e Bankruptcy e Repossession re ORACLE e Deficiency WFP e Producers e Credit Lines e Units As per the above listing you will be able to ope
28. aster tab 2 Click the Administration bar link 3 In the Administration Setup link bar click the System drop down link then click Parameters 4 Click the Parameters drop down link then click System o Onthe System Parameters Setup screen s System Parameters section search for and set up the following parameters En ORACLE Parameter WFP MAX CYCLES BACKDT Description WFP TRANSACTION NO OF CYCLES BACKED Parameter Value Type the number of cycles backed Parameter WFP REVERSE TXN IND Description WFP REVRESAL OF TXN INDICATOR Parameter Value Type the number of cycles backed 2 4 ORACLE 3 1 3 2 3 Index Rates Introduction The Index Rates maintains your organization s history of periodic changes in index rates as it applies to wholesale floor planning It allows you to define the interest rate for the loans extended to the producers by type of credit line The index rate provides the base rate for a credit line where interest rate index rate margin rate An index type can have different rates depending on the start date For each index type the Index Rates section records the interest rate and the start date after which the rate is applicable If you do not want to use a variable index rate you can use the flat rate index Index Rate Link While you can add new rates for an existing index type you cannot modify or delete existing index rates To use the Index Rates link On the O
29. ate fee using 500 and not on 100 FLAT AMOUNT PYRAMID LAW FLAT AMOUNT PYRAMID LAW prevents the pyramiding of flat late fees If an account is overdue then the system assesses a flat fixed amount late fee However if the standard payment is made the following month then a new late charge will not be created even if the payment made does not fulfill the current amount due For example if a customer is assessed a late fee of 25 for 1 2005 and makes his 200 standard payment in 2 2005 that person cannot be assessed a new 25 late fee for 2 2005 even though his payment only fulfilled the amount owed for 1 2005 If a customer makes a payment of just 199 in 1 2005 an amount that does not fulfill the standard payment then the customer could also be assessed a 25 late fee for 2 2005 If the customer makes a payment of 199 in 2 2005 an amount that does not fulfill the standard payment then the customer could be assessed a late fee for 2 2005 p ORACLE PERCENTAGE OF PAYMENT DUE PYRAMID LAW PERCENTAGE OF PAYMENT DUE PYRAMID LAW prevents the pyramiding of percentage of payment due late fees If an account is overdue then the system assesses a fee based on what part of a payment remains to be paid However if the standard payment is made the following month then the system will not create a new late charge even if the payment made does not fulfill the current amount due For example if the PERCENTAGE OF PAYMENT DUE P
30. be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Table of Contents 1 1 Tel AE 1 1 T2 Conventions SCC ote ass timent ee eee led tee 1 1 Me rr S 1 1 1 4 Template and Navigation cccccscccscccseccseeceeeceseecseeceuecsuessueeceeesseeeseesseeeseeesaaes 1 2 ou Ewecl Se 1 2 WSCHODS uude Aare ch reste ate a aa a rece tha uu E IARE 1 9 to s Gommot ODerallollS uc lt cet ela ae ele tas 1 10 toT Basic ate hace 1 10 j Basle ACUONS o 1 10 too JFeksonallzauom ODIIONS ta ei hada eae 1 11 1 6 iWeyDoard Compallblliiy ede iau onda 1 15 7 0 1 Keyboard COMPAUDINGY eut 1 15 UT ME Eso go 1 16 eee Mem 1 16 1 8 1 Understanding ACCOSSIDINILY ccccccsscssseecsescnescnsucnsuensusecusccusessussansssnscees 1 16 1 8 2 Application Accessibility 1 16 1 8 3 Other Accessibility 1 18 1 8 4 Setting up Accessibility
31. ccount s View v Format v EP Company Branch No data to display Summary Customer Service Call Activities Maintenance Call Activities View Format v Action No data to display 4 Search Review Request Pending 0 Current Show All Group Follow up Account Product Currency Account Details Customer Details Comments Promises Checklists Freeze E Detach Contact Transaction History Pay Off Amt Pmt Modes Tracking Attributes References Promise Dt a x Close E vew 2 Audit Amount Due Status Oldest Due Dt Bankruptcy Repo Foredosure Deficiency Correspondence Letters dadi Z Edt E view 2 Audi Promise Amt Condition Followup Dt T You can click to view the hidden tabs if any 1 9 ORACLE 1 5 Common Operations Some of the operations are common to most of the screens These are grouped into three categories based on their features e Basic Operations e Basic Actions e Personalization Options 1 5 1 Basic Operations All the screens contain buttons to perform all or few of the basic operations The four basic operations available are e Add e Edit e View e Audit x Close pai Aeh When you click any of the operation tabs system displays the corresponding records inline below the respective setup tables The table below gives a snapshot of them Add Click to add a new record When you click Add
32. ce Rate Term Grade LTV and Asset description e Use Change Status section to change the application status to next level e Use Add Comment section to post an alert or comment during Underwriting and Funding stages For detailed information on the above options refer to respective sections in the document re ORACLE Servicing and Collection Screens In Servicing and Collection Customer Service screens you can use the Right Splitter Action Window to do the following ACLC Q Welcome DEMOSUPR Accessibility 78 Sign out CO Financial Services Lending and Leasing Sales Lead Results e e Seard eview ly Quick Search Account s A ui pi View Format Freeze Efi Detad ap amp urrent Show All Group Follow up N Olde B Submit Clear Amount Due Due Status Dt Queue 5 Condition Auto Run ction History Pmt Modes Bankruptcy Repo Foredosure leficiency L EB Next Account 3 v Add Comment yl Conditions Alert Conditions Type REGULAR No data to display xl Other Information Customer Information Delinquency Information 60 ate No data to display BP Life BP Year P Type Current No data to display Telecom Information Type roducer Due Date Change No data to display Copyright 1998 2014 Oracle and or its affiliates All rights reserved About e Use Quick Search to search for an account b
33. d Edi Vie Audit gt Servicing View Format E Freeze Efi Detach Nrap e gt Collections Code Description Level Default Enabled gt WEP E UNIT N Y gt Tools AAAAAAAAAAAAAA TEST 13 UNIT N Y CA CREDITLINE ACTIVE SPREAD CREDIT LINE Y Y Setup DA PRODUCER ACTIVE SPREAD PRODUCER Y Y Setup TESTING TESTING UNIT N N gt Administration UA UNIT ACTIVE SPREAD UNIT Y Y gt Products UAF UNIT ACTIVE SPREAD FEE ONLY UNIT N Y WFP UAI UNIT ACTIVE SPREAD INTEREST ONLY UNIT N Y Index Rates UAP UNIT ACTIVE SPREAD PRINCIPAL ONLY UNIT N Y Fees dini Spread Codes ontracts H Save and Add H Save and Stay 51 Save and Return a Return Balances Transactions Code Default Spreads Enabled IV Description EH 4 Level UNIT Spread Details qP Add View Format v E Freeze Detach Nrap wH Txn Code Description Seq Enabled No data to display 1 In the Spread Codes section select the record you want to work with Note If you choose use Search Criteria to limit the display of spread code records f you are entering a new record click Add f you are changing an existing record click Edit 2 n the Spread Codes section enter view or edit the following information In this field Do this Enter an unique code for the spread required A ORACLE Enter a description for the spread code required Level Select the indicator to define the level at which the fee is applicable Not
34. e Fee Waived Annual Fees Most of the Type and Sub Type combinations would have these eight transaction codes However there are some transactions such as Payment Rate Change Rescheduling Unit Void and Status Change which may not have all eight codes Details of the transaction codes would be listed in the seed data om ORACLE 9 1 9 2 9 Spreads Introduction The Spreads link records the order in which Oracle Financial Services Lending and Leasing allocates a payment spread for a spread transaction code You can add to or disable the seed data sample spreads on this screen as you choose However you must verify that there is no residual dollar amount as Oracle Financial Services Lending and Leasing refunds the producer any balance not used in the spread Spreads Link Spread details uses the transaction codes listed in the transaction codes setup In case any of the transaction codes are disabled from transaction codes setup Oracle Financial Services Lending and Leasing would not remove that code from spread details You must manually verify that such codes are removed from the spread details as well To use the Spreads link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Spreads ORACLE i a Welcome OMAMUN v Accessibility 2 Sign Out Oo Financial Services Lending and Leasing 34 Close gt DashBoard Spreads schemes Spread Codes da
35. e While making changes on the Spreads screen make sure that there is one and only one enabled spread code for each level required Select to indicate this a default spread code Enabled Select to enable this spread code The Spread Details section records the details of the transaction codes to which Oracle Financial Services Lending and Leasing applies the spread as well as the priority for applying the spread over multiple transactions At least one enabled transaction code should be available for each spread 3 Inthe Spread Details section select the record you want to work with Note If you choose use Search Criteria to limit the display of spread details records f you are entering a new record click Add f you are changing an existing record click Edit 4 Inthe Spread Details section enter view or edit the following information Select the transaction code required Description View the transaction code description as set up on the Setup master tab s Transaction Code screen display only Enter the sequence in which the spread would be applied to various Txn codes required Enabled Select to enable the this spread detail 5 Click Save on the Spread Codes section Me ORACLE Appendix A Late Fee Methods Definitions FLAT AMOUNT FLAT AMOUNT charges a flat fixed amount fee when an account becomes overdue For example if the FLAT AMOUNT late fee is set at 25 and the account i
36. e and time fields defined as per the time stored in application server There is no offset in time if both storage database server and display application server are in the same time zone Company Branch Time Zone Organization Division Time Zone This is the Company time zone and is setup at the organization division definition level The various divisions defined under an organization can be set up with different time zones depending on geographical locations This time can be modified as per requirement To modify the Company Branch Time Zone e Navigate to Setup gt Administration gt User gt Organization and select the company or division listed under Division Definition ORACLE 1 4 2 e Inthe Display Formats tab select Time Zone and click Edit e Inthe Format field select the required time zone from the adjoining options list and click Save If Company Branch Time Zone is selected as the time zone in User Info screen then on save all the time and date fields are automatically updated with the time zone of the company branch User Time Zone User Time Zone or User Preference Time Zone can be set up at the User Level in the User Definition screen Various Users under same divisions defined under an organization can be set up with different time zones depending on geographical locations To modify the User Time Zone e Navigate to Setup gt Administration gt User gt Users e Select th
37. e in maintenance Note The start date of a pricing plan cannot be less than the current date required End Date Enter the end date This is the date after which the pricing plan would not be available Note The end date cannot be less than the current date or start date optional Enabled Select to enable the pricing policy Initial Adv Enter the initial advance percent This indicates what percent of the value of the unit is given to the producer as an advance loan For example if the value of a new vehicle is 10 000 and the loan given to the producer is 8 000 then the initial advance percent is 80 percent optional Term Enter the total term in months This indicates the maximum term in months of the credit line optional Current Yr Enter the percent of outstanding principal which need tobe recovered Curtailment from the producer each month in the current year Prior Year Enter the prior year curtailment percent optional Curtailment Margin Rate Enter the margin rate The interest rate equals the index rate plus mar gin rate Index rate is the applicable interest rate for the selected index type optional Ceiling Select the ceiling index code This indicates the index on which the Index interest rate ceiling would be based optional Ceiling Rate Enter the ceiling margin rate This defines the ceiling for interest The ceiling rate equals the ceiling index rate plus the ceiling margin rate For example
38. e index rate type required Enabled Select to enable the index rate type In the Index Rates section select the record you want to work with Note If you choose use Search Criteria to limit the display of index rates records If you are entering a new record click Add Inthe Index Rates section enter the following information Start Date Enter the start date of the index rate Note This cannot be less than current date required Enter the rate Note For a particular index type multiple rates cannot be entered in the Index Rates section with the same start date required Enabled Select to enable the index rate 5 Click Save in the Index Types section For example Using the data in the sample graphic let s assume the current date is February 5 2009 10 30 2008 The entries in the Index Rates section for a PRIME RATE include 10 16 2008 12 0 In this scenario 8 0 will be the rate used by Oracle Financial Services Lending and Leasing to compute interest on October 10 2008 a ORACLE 4 1 4 2 Introduction 4 Fees The Fees link allows you to define the method of computing the various producer credit line and unit level fees You can define different fee calculations for a state producer and credit line Note The Fee Rules section on the Fees link displays all the system defined balance types even those disabled on the Balance Types screen This is necessary for Oracle Fin
39. e life of the contract required Enter the maximum rate decrease in life This is the floor limit for rate decrease during the entire life of the contract required Refund If selected this check box indicates this instrument allows a refund in Allowed case the producer pays in excess of what is due required The Instrument Balance Types section allows you to define the balance type for the selected instrument at the producer credit line or unit level 2 Inthe Instrument Balance Types section select the record you want to work with Note If you choose use Search Criteria to limit the display of records f you are entering a new record click Add f you are changing an existing record click Edit ps ORACLE 3 Inthe Instrument Balance Types section enter view or edit the following information Select If selected indicates that this is the current record Balance Type Select the balance type required Level View the level indicator This entry is based on the selected Balance Type and is non editable required Include Monthly Due Select to compute the minimum monthly payment 4 Click Save in the Instrument section it ORACLE 7 1 7 2 7 Balances Introduction The Balance Types link displays the various types of balance types computed for each producer or dealer set up in the WFP module The balances defined in the Balance Types section are fixed system defined and set
40. e required User record listed in User Definition section and click Edit e Inthe Time Zone field select the required time zone from the adjoining options list and click Save If User Time Zone is selected as the time zone in User Info screen then on save all the time and date fields are automatically updated with the current updated time Screens Details in few main screens are grouped into different sections These sections are displayed as tabs horizontally within the screen In turn details in few of these tabs are again grouped horizontally The details are displayed when you click the tab under which they are grouped As similar to the main screen tabs you can identify the active tab with its white background For example Customer Service main screen has four main tabs When you click on Customer Service tab the corresponding tabs are displayed ORACLE t Signed inas DEMOSALES v Accessibility 2 Sign Out Financial Services Lending and Leasing gt DashBoard gt Origination Servicing Servicing Customer Service Securitization Transaction Authorization Post Date Checks Escrow Transactions Account Documents Collateral Management Reports Producers Vendors Batch Transactions Advances Payments Fees 7 Interfaces AP Transactions GL Transactions Card Transactions Conversion Accounts gt Collections gt WFP gt Tools gt Setup Customer Service Results Customer Service A
41. easing eS gt DashBoard Transactions Close gt 1 Ps A Origination Transaction Codes A Edit vie Audit gt Servicing Mew Format EP Freeze ft Detach Wrap H Code Description Type Sub Type Action Manual gt WEP B nmu PMT DUE DATE DUE DATE HISTORY FOR UNITS DUE DATE POST N N 3 Tools FAANL ANNUAL FEE FEE PRODUCER ANNUAL FEES POST Y N FBANL ANNUAL FEE BILLED FEE PRODUCER ANNUAL FEES BILLING N N Setup OFAANL ANNUAL FEE CHARGE OFF FEE PRODUCER ANNUAL FEES CHARGE OFF Y N 7 Setup QFAANL REVERSED ANNUAL CHARGE OFF FEE PRODUCER ANNUAL FEES REVERSE N N gt Administration RFAANL REVERSED ANNUAL FEE FEE PRODUCER ANNUAL FEES REVERSE N N gt Products RFBANL REVERSED ANNUAL FEE BILLED FEE PRODUCER ANNUAL FEES REVERSE N N 7 WEP VFAANL REVERSED ANNUAL FEE WAIVED FEE PRODUCER ANNUAL FEES VOID N N Tradex fintes WFAANL ANNUAL FEE WAIVED FEE PRODUCER ANNUAL FEES WAIVE Y N Fees FAAUD AUDIT FEE FEE CREDITLINE AUDIT FEES POST Y N Pricings 1 b Contracts Balances Transaction Codes Transactions H Save and Stay H Save and Return 9 Return Spreads 4 Code PMTDUE Sub Type DUE DATE 4 Description PMT DUE DATE Action POST Enabled V Type DUE DATE HISTORY FOR UNITS Manual Transaction User Access Definition op Add View Formaty E Freeze Detach irap H Access Type Access Value Allowed Yes No ResPonsisiurty ALL gt 98 1 Inthe Transaction Codes section
42. en you click Add Edit button Save And Return Click to save and return to main screen This button is displayed when you click Add or Edit buttons Return Click to return to main screen without modifications This button is displayed when you click Add Edit or View buttons The summary screens consist of the following navigations The table below gives a snapshot of them ee 1 5 3 Personalization Options You can personalize the data displayed in setup tables Once personalized system saves the settings for that User ID until next personalization View Format ET Freeze m Detach Tu ORACLE The table below gives a snapshot of them Kis Uso Click to personalize your view The drop down list provides the following options of customization View Format Query by Example e Customize columns you wish to view e Sort the order of displayed data e Reorder columns Additionally the drop down list provides selection of options adjoining View Ven Format E Freeze ib Columns Show All Freeze Product Detach Description Sort Start Dt Reorder Columns End Dt Query By Example w Direct Enabled Collateral Type Collateral Sub Type Credit Bureau Portfolio Type Credit Bureau Account Type Manage Columns Click to resize columns or wrap a data in the table cells Select the column you need to resize and select Resize Columns option from the Fo
43. ers since producer is not a part of Policies setup However it is possible to overcome this by having two different credit lines on the Pricing screen NEW PRODUCER A and NEW PRODUCER B with the same unit type NEW To use the Pricing link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Pricings ORACLE Welcome OMAMUN Accessibility 2 Sign Qut CO Financial Services Lending and Leasing a Pricings BE Close gt DashBoard ng 2 Origination Pricing Details gt Servicing View uem E Freeze if Detach rap we gt Collections Code Credit Line Description Unit Index Start Dt End Dt 2 WFP 1 I l i gt A Tools TESTING TESTING TEST VIHICLESS USED VEHICLES FLAT RATE 11 14 2014 11 18 2014 Setup DEMO DEMO DEMO VEHICLES DEMONSTRATOR VEHICLES PRIME RATE 8 26 1992 12 31 4000 7 Setup DEMO 1 DEMO DEMO VEHICLES DEMONSTRATOR VEHICLES PRIME RATE 8 26 1992 12 31 4000 5 Administration DEMO2 DEMO DEMO VEHICLES DEMONSTRATOR VEHICLES PRIME RATE 8 26 1992 12 31 4000 L Products NEW NEW NEW NEW VEHICLES PRIME RATE 8 26 1992 12 31 4000 7 WFP NEW1 NEW NEW NEW VEHICLES PRIME RATE 8 26 1992 12 31 4000 Index Rates PROGRAM PROGRAM PROGRAM VEHICLES PROGRAM VEHICLES PRIME RATE 8 26 1992 12 31 4000 es SERVICE SERVICE SERVICE LOANER VEHICLES LOANER VEHICLES PRIME RATE 8 26 1992 12 31 4000 Pricinas J SERVICE1 SERVICE SERVICE LOANER VEHICLE LOANER VEHICLES PRIME RATE 8 26 1992 12 31 4000 Contrariis TEST T
44. he Fee Balances Types section select the record you want to work with Note If you choose use Search Criteria to limit the display of instrument records In the Fee Balances Types section view the following information The system defined fee types applicable for WFP display only The balance description of the fee type display only 4 1 ORACLE NN Level View the balance type level at which a fee is applicable PRODUCER CREDITLINE or UNIT display only In the Fee Rules section select the record you want to work and click Show in the Details column Note If you choose use Search Criteria to limit the display of the fee rule records f you are entering a new record click Add f you are changing an existing record click Edit Inthe Fee Rules section enter view or edit the following information State Select state initials required Producer Name Select the producer optional Credit Line Select the credit line optional Start Date Start the date from when the fee rule is applicable required End Date Start the date till which the fee rule is applicable A blank field indicates no end date optional Enabled Select to enable this fee rule Calculation Select the calculation method If the calculation method is FLAT Method then Fee field should have the value 0 0 and the Fee Amount Maximum field would have the same value as tha
45. if the index rate is three percent the margin rate is one and a half percent and the ceiling rate is five percent then the interest rate is four and a half percent If the index rate increases to four percent the interest rate will be five percent and not five and a half percent optional 2 Click Save in the Pricing Details section me ORACLE 6 1 6 2 6 Contracts Introduction The Contract link allows you to define the terms and conditions of your contracts Contracts can be defined according to company branch and type of unit You can add new contracts and modify the existing ones Contracts Link Oracle Financial Services Lending and Leasing selects which instrument to offer based on whether e The instrument company branch matches the producer company branch Note We recommend setting up an instrument where the company branch is ALL ALL to ensure proper performance in Oracle Financial Services Lending and Leasing e The contract date at unit level should be between the instrument start and end date e The instrument is enabled To use the Contract link On the Oracle Financial Services Lending and Leasing home screen click Setup Setup WFP Contracts ORACLE Financial Services Lending and Leasing a Welcome OMAMUN Accessibility 2 Sign Out a Close gt DashBoard CES ES Instrument Add Af Edit vie Audit gt Servicing View gt Format E Freeze ii Detach i
46. n only one screen in the corresponding list i e if you have opened the Application Entry screen in Origination you are not allowed to open any of the other 3 screens until you exit the Application Entry screen 1 4 1 1 Time Zone Preference Oracle Financial Services Lending and Leasing a User Info Organization DMC Time Zone Level APPLICATION SERVER TIME ZONE Division USO1 User Time Zone EnA FirstName DEMO Company COMPANY BRANCH M raach Tm APPLICATION SERVE USER TIME ZONE Responsibility SUPERLISER Zone GLPostDate 10 22 2014 Server Time ASIA CALCUTTA INDIA STANDARD Last Login Date 10 22 2014 03 34 01PM Session Language ENGLISH i Debug Enabled Ind F Close You can select any of the following three time zones from the User Info screen e Application Server Time Zone e Company Branch Time Zone e User Time Zone The time zones set up at each of these levels are displayed in the user info screen However data is always stored in the application server time zone and based on the user preference of time zone the display time would be User or Company or Application Server time zone Any time zone related changes done at Ul does not impact the other time bound activities which are dependant on database time Application Server Time Zone Server Time Zone The Application Server Time Zone by default is the Production Server Time Zone Selecting this time zone will have all dat
47. ns The system currently supports the following rounding of methods 1 NO ROUNDING TO INDEX RATE 2 INDEX RATE ROUNDED TO NEAREST 25 3 INDEX RATE ROUNDED TO NEAREST 125 NO ROUNDING TO INDEX RATE Select this method for no rounding INDEX RATE ROUNDED TO NEAREST 25 Select this method to round up to 1 4th to keep the index rate in the multiple of 25 Examples Round of rate Round of rate INDEX RATE ROUNDED TO NEAREST 0 125 Select this method to round up to 1 8th to keep the index rate in the multiple of 0 125 Examples Rate rounded to 5 375 Rate rounded to 5 250 ES ORACLE
48. ns 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 Oracle Corporation and its affiliates will not
49. nts and Rate Attributes B 1 1 1 1 2 1 3 1 Navigation This document provides an overview of the basic template navigation common operations that can be performed and keyboard short cuts available in Oracle Financial Services Lending and Leasing Since this section details the general options available in the User Interface some or all the parts of this section are applicable to you as per access provisions amp licensing The document is organized into below topics e Logging In e Template and Navigation e Common Operations e Hot Keys Note The application can be best viewed in 1280 x 1024 screen resolution Audience This document is intended to all Prospective Users who would be working on the application Conventions Used The system application Oracle Financial Services Lending and Leasing The underlined character of the tab or button Logging In The pre requisites to log into the system are a valid user ID and a password defined by the system administrator in Administration gt User screen You can login to the system using a valid user ID and a password defined by the system administrator in Administration gt User screen A User ID is disabled automatically by the system if it is inactive for a specified number of days Lu ORACLE When you invoke the application the Sign In screen is displayed RACLE Help O Financial Services Lending and Leasing Sign In
50. ogged Signed in Click the adjoining drop down arrow the system displays the following options Signed in as hd Accessibilty 78 Sign Out CO Change Password User Info T Change Password Click to change the current password Oracle Financial Services Lending and Leasing B Change Password Current Password New Password Confirm New Password p Submit 2 Cancel E X opecify the current password in the Current Password field and a valid password you wish to maintain as a new password in the New Password field Re enter the password in Confirm Password field and click Submit to change the password User Info Click to view the current user info Oracle Financial Services Lending and Leasing a User Info Organization DMC Time Zone Level APPLICATION SERVER TIME ZONE Division USO1 User Time Zone eA k First Name DEMO Co y COMPANY BRANCH TIME sc APPLICATION SERVE USER TIME ZONE LastName SUPERUSER Branch Time Responsibility SUPERLISER Zone GL FostDate 10 22 2014 Server Time ASIA CALCUTTA INDIA STANDARD Last Login Date 10 22 2014 03 34 01PM Session Language ENGLISH Debug Enabled Ind F qm Submit Close 6 In this screen apart from viewing the user info you can also set Session Language enable error log and specify the time zone preference Session Language Select a language that you need to set for the session from the drop down
51. or example a start basis that equals the payment date implies that the interest rate calculation starts with the first payment date required Payment Enter the payment tolerance amount This defines the acceptable Tolerance shortfall in the monthly payment in dollars for which no penalty would Amount be imposed required Writeoff Tol Enter the writeoff tolerance amount This is the tolerance acceptable erance while a unit gets paid off The unit will be considered paid even if pay Amount ment is falling short of actual due by this amount required Pmt Toler Enter the payment tolerance percent This defines the acceptable per ance cent of the monthly payment due which no penalty would be imposed For example the tolerance can be set for 95 percent of payment due required Late Charge Enter the late charge grace days This is the number of days after the Grace days payment due date during which no late fee would be charged required Rate Enter the number of rate changes in a year This is the maximum num Changes ber of times the rate can be changed in a year for a unit Note The Year number of rate changes in a year cannot exceed the number of rate changes for the life of the contact required Ds ORACLE Max Rate Increase Year Max Rate Decrease Year Accrual Base Days Accrual Start Days Refund Tol erance Amount Diq Grace Days Rate Change Life Max Rate Increase Life
52. racle Financial Services Lending and Leasing home screen click Setup Setup WFP Index Rates 1 In the Index Types section select the record you want to work with Note PRIME RATE fa gt DashBoard Index Rates 8 Cose MURIS Index Types Pad 2 Servicing View Format E Freeze mi Detach Wrap H Index Type Short Description Description Enabled gt WEP E Y TT FLATRATE FLAT RATE FLAT RATE Y PRIMERATE PRIMERATE PRIMERATE Y Setup V Setup Index Types 7 Administration V System 51 Save and Add c Save and Stay H Save and Return Ca Return System Parameter Lookups Index Type um Enabled W User Defined Tables Short Description Audit Tables Description User Defined Defaults Transaction Codes Index Rates pdd Data Files View Format E Freeze ffi Detach rap H Dedupe i Start Dt Rate Enabled Securitization Events Batch Jobs Producer Cydes No data to display and FLAT RATE are the default system defined rate types Note If you choose use Search Criteria to limit the display of records f you are entering a new record click Add f you are changing an existing record click Edit a ORACLE Inthe Index Types section enter view or edit the following information Index Type Select the index type required Short Enter the short description of the index rate type required Description Description Enter the longer description of th
53. rap gt Collections Name Description Company Branch Start Dt End Dt Enabled Unit Start Basis gt WFP 5 12 18 2014 Y E Tool TESTING TESTING NLO2 NLR 1 11 14 2014 Y PRODUCER TRADES E Setup TESTING2 TESTING2 USO1 USR1 11 14 2014 Y LOANER VEHICLES E 7 Setup FPI 1 Floor Plan Instrument 1 Uso1i USHQ 08 26 1992 12 31 4000 Y DEMONSTRATOR VEHICLES E i Adstatori FPI_2 Floor Plan Instrument 1 US01 USHQ 08 26 1992 12 31 4000 Y DEMONSTRATOR VEHICLES E gt Products n 7 WFP Index Rates Instrument Fees HJ Save and Add H Save and Stay F Save and Return lt a Return Pricings Name Start Basis EFFECTIVE DATE A Accrual Base 365 Balances 4 Days Description Payment 0 00 Transaction AME Accrual Start 9 Spreads Company Days Pmt Tolerance 0 0000 Refund 5 00 cun s x Tolerance Amt Refund Allowed 4 Branch 4 Writeoff 0 00 StartDt 12 18 2014 Tolerance Amt End Dt 50 Late Charge 9 Diq Grace Days 0 Enabled V Grace Days s of Rate 9999 Rate 9999 changes Life es Changes Year Max Rate 9999 0000 Max Rate 9999 0000 Increase Life Increase Year Max Rate 9999 0000 Max Rate 9999 0000 Decrease Life Decrease Year Instrument Balance Types p Add A Edit View Format EP Freeze ET Detach rap G Balance Type Level Indude Monthly No data to display Note In the In
54. re smaller in size when compared to normal drop down arrows thus enabling easy identification Search Itemization LX Search Itemization Search Advanced v Search Basic Itemization Match Q9 All O Any Operators for Code temization No rows to display Code Starts with Discount Rate Itemization za ITM COUNTY TAX EM Sort 1 TA Equals 2 ot equal Search Reset Add Fields ITM IMPROVEMET p anil IM WIGTETEE Itemization Greater than ITM WATER SE No rows to dis Less than or equal to ITM SUB DIV Greater than or equal to ITM CALIFORNIA Between ITM MISC CHARG Not between ITM BOROUGH misa contain ITM SPECI SS Is blank Search Is not blank OK Cancel OK Cancel Click the arrow button available before Search to toggle the search options Click Basic for normal search Advanced Click Advanced for advanced search In this mode you can select the search option from drop down list adjoining the search criteria selected record will be highlighted Hover to select Match Select All to display results exactly matching the specified characters Select Any to display results matching any of the specified characters Search Click to search for values based on the specified search criteria The search results are displayed below with the details in respective columns Click to reset the search criteria Add Fields Click to add addition
55. rmat drop down list Resize Column a Column DESCRIPTION width 1305 Pixels 5 OK Cancel opecify the Width and unit for the selected column Click OK to apply changes and Cancel to revert Click to query for the data by an example When this option is selected the system displays an empty row above column heads You can specify all or any of the details of the record you wish to query View Format En Freeze Detach Lil Wrap H Freeze Select the column at which you need to freeze the table and click Freeze Function is similar to the freeze option in MS excel Detach Click to detach the setup table from the screen An example of the detached table is provided below 1 12 ORACLE Description Select the column in which the data needs to be wrapped and click Wrap Loan Line Lease Product Definition Add 7 Edt View sf Audit BQ New Product Create Copy i Credit Bureau lend Dt Drect Fexible Repayment Enabled Colatera Type Colateral Sub Type folio Type yo Y YOM COLLATERAL REAL PROPERTY HOMNSTALMENT 12 31 4000 N HOUSEHOLD GOODS PERSONAL PROPERT INSTALLMENT LOAN UN 12 31 4000 UNSECURED COLLATIUNSECURED INSTALLMENT LOAN VE 12 31 4000 VEHICLE COLLATERA PERSONAL PROPERT INSTALLMENT MDP1 12 31 4000 VEHICLE COLLATERA PERSONAL PROPERT INSTALLMENT MURABAHA 03 13 2013 HOME COLLATERAL REAL PROPERTY HON INSTALLMENT NDS1 12 31 4000 UNSECURED COLLATI UNSECURED INSTALLMENT NPO1 1 12
56. rs with physical challenges One of the most important reasons to make the application accessible is to provide them the opportunity to work The four main categories of disabilities are visual hearing mobility and cognitive A person with disability might encounter one or more barriers that can be eliminated or minimized by making the electronic information user friendly and approachable 1 8 2 A Application Accessibility Preferences Oracle Financial Services Lending and Leasing is facilitated with the feature of Accessibility to make the application more usable for the people who are differently abled You can set the accessibility preferences after login On the landing screen using Accessibility link on the right end of the header set the following preferences as required Screen Reader Screen reader provides assistance to the visually impaired users It interprets the screen elements by reading them aloud e ORACLE 1 8 2 1 1 8 2 2 1 8 2 3 High Contrast High contrast feature increases contrast level to make the screen more appealing for the reader with low vision Large Fonts Large fonts feature increases font size to ensure clear display and appropriate spacing This benefits the reader with low vision For Visual Challenges The visual challenges varies widely however it generally includes blindness low vision or color blindness To make the application more accessible following features are provided
57. s 900 overdue then the late fee assessed will be 25 For each month the account is overdue regardless of the amount the late fee assessed will be 25 PERCENTAGE OF PAYMENT DUE PERCENT OF PAYMENT DUE charges a late fee based on a percentage of the part of a payment due that remains to be paid For example if the PERCENT OF PAYMENT DUE late fee is set as 10 and if only 90 of a 200 standard payment is due then the late fee will be 9 10 of 90 If 3000 on a loan with a standard payment of 200 is due the late fee will be 20 10 of 200 This is because the computed late fee is based only on the payment due for that month not the accumulated due amount If the stated monthly payment is 300 and account is delinquent for 3 months 900 then every month the late fee is computed only on the amount due for that month 300 or part of 300 not on 900 PERCENTAGE OF STANDARD PAYMENT PERCENTAGE OF STANDARD PAYMENT charges a late fee based on the standard monthly payment regardless of the current amount due For example if you set 10 as the PERCENTAGE OF STANDARD PAYMENT late fee the standard payment amount was 500 and the account was due for 2000 then the late fee will be 50 10 of 500 In other words every month the system computes the late fee using monthly standard payment amount 500 irrespective of the amount paid by the customer If the customer pays 400 out of 500 the system still computes the l
58. select the record you want to work with Note If you choose use Search Criteria to limit the display of records f you are entering a new record click Add f you are changing an existing record click Edit o ORACLE 2 Inthe Transaction Codes section enter view or edit the following information Code Enter transaction type code This is a system defined code for the transactions The first letter of the code indicates the type of task the transaction performs P payment F fee O charge off Q reverse charge off R reverse W waive V reversal of waived transaction required Description Enter the description associated with the Transaction code This is a system defined field that can be modified by users required Type Select the transaction type This field maps the transaction code to into Transaction types required Sub Type Select the sub type required Select the action type For more information about the Action field see the following section A Note about the Action Field Note If a transaction code has an action of POST WAIVE or CHARGEOFF then a REVERSE action should also be associated with this code required Select to allow users to post these transactions on the Wholesale Floor Planning Maintenance form Select to post the transaction to the general ledger when performed Enabled Select to enable the transaction code Note Transactions codes which are not
59. selected are not available in the LOVs on the WFP maintenance screens Note Transaction codes of transaction type INTEREST and PRINCIPAL cannot have a cleared Enabled check box 3 Click Save in the Transaction Codes section A Note about the Action Field The Action field indicates how the transaction code affects the account The standard actions associated with the various transaction codes are as follows e POST e BILLING e CHARGE OFF mE ORACLE e WAIVED e REVERSE e VOID Most Type field and Sub Type field combinations have an action and a reverse action associated with them Each Type field Sub Type field and Action field combination is identified using a unique transaction code For example The Type FEE and Sub Type PRODUCER ANNUAL FEES combination has the eight following actions associated with it each having a unique transaction code Note that there are four actions and four reverse actions associated with the Annual Fee FAANL Annual Fee Fee Producer Post Annual Fees RFAANL Reversed Annual Fee Producer Reverse Fee Annual Fees FBANL Annual Fee Billing Fee Producer Billed Annual Fees RFBANL Reversed Annual Fee Producer Reverse Fee Billing Annual Fees OFAANL Annual Fee Char Fee Producer Chargeoff geoff Annual Fees QFAANL Reversed Annual Fee Producer Reverse Fee Chargeoff Annual Fees WFAANL Annual Fee Producer Waived Waived Annual Fees VFAANL Reversed Annual Producer Revers
60. strument section select the record you want to work with and click Show in the Details column If you choose use Search Criteria to limit the display of records f you are entering a new record click Add f you are changing an existing record click Edit a ORACLE Inthe Instrument section enter view or edit the following information Name Enter the unique name of the instrument required Description Enter the instrument description This entry should briefly describe the instrument required Select the company for which the instrument is applicable required Select the branch of the company for which the instrument is applicable optional Start Date Enter the start date This is the date after which the instrument is in use and is available on the Wholesale Floor Planning Maintenance form required End Date Enter the end date after which the instrument is invalid and unavailable on the Wholesale Floor Planning Maintenance form While this field can be empty it cannot be less than the current date or start date required A blank field indicates no end date optional Enabled oelect to enable the contract instrument Select the unit type required This field links the policies to contracts There should be at least one enabled contract for every unique unit type required Start Basis oelect the accrual start date basis This indicates the date from which the interest rate would be calculated F
61. t in the Fee Amount Minimum field Oracle Financial Services Lending and Leasing uses the Fee Amount Minimum field for fee calculation required Enter the fee percentage required Fee Amount Mini Enter the minimum fee amount that would be charged to the pro ducer required Fee Amount Maxi Enter the maximum fee amount that would be charged to the pro ducer required 5 Click Save on the Fee Balance Types section FLEXCUBE WFP supports the following types of fees and calculation methods NON SUFFICIENT PRODUCER FLAT FEES PRODUCER PRODUCER FLAT ANNUAL FEES m ORACLE Description Calculation Methods supported CREDIT LINE AUDIT CREDIT LINE FLAT FEES LATE CHARGE FLAT PERCENTAGE OF PAYMENT DUE PERCENTAGE OF BALANCE PAYMENT UNIT CHARGE UNIT SERVICE FEES FLAT UNIT OTHER FEES FLAT ds ORACLE 9 1 9 2 9 Pricings Introduction The Pricing link records the various pricing plans the financial institution offers to its producers By default sample pricing plans are available while setting up WFP You can then modify and add plans to this screen At least one pricing plan should be enabled Pricing Link Oracle Financial Services Lending and Leasing takes the index rate from the Index Rates screen for the code in the Margin Index field and adds the value of the Margin Rate to calculate the credit line s interest rate You cannot define different pricing policies for different produc
62. the system displays a new record enabling you to specify the required data It is mandatory to specify details for the fields marked with symbol Edit Click to edit an existing record Select the record you want to edit and click Edit The system displays an existing record in editable mode Edit the required details View Click to view an existing record Select the record you want to view and click View The system displays the record details in display mode Audit Click to view audit info If an audit is set for a field then the system tracks the changes for that field Select the record for which you want to view the audit info and click Audit The system displays the details tracked for that field Close Click to close a screen or a record When you try to close an unsaved modified record then the system alerts you with an error message You can click Yes to continue and to save the record 1 5 2 Basic Actions Most of the screens contain buttons to perform all or few of the basic actions ORACLE All or few of these actions are enabled when you select any of the Basic Operations m Save and Add m Save and Stay il save and Return Return The table below gives a snapshot of them Save And Add Click to save and add a new record This button is displayed when you click Add button Save and Stay Click to save and remain in the same page This button is displayed wh
63. tive navigational features such as cross reference tables of content and bookmarks as appropriate 1 8 4 Setting up Accessibility Preferences You can setup or change the accessibility preferences To edit accessibility settings 1 Click Accessibility in the header part of application The system displays the following screen Oracle Financial Services Lending and Leasing Accessibility Preferences Edit Accessibility Settings Any setting made is saved until changed here again Any setting must be made for each browser session Screen reader High contrast Large fonts Submit Cancel 2 Select any or all of the required options to edit or change the accessibility settings 3 Click Submit Note You need to define the required Settings for each browser session and defined settings are saved until next modification ue ORACLE 2 1 2 Wholesale Floor Planning Setup This chapter explains how to use the Wholesale Floor Planning Setup window to set up the WFP module in Oracle Financial Services Lending and Leasing Note Although WFP is a separate module it uses the Oracle Financial Services Lending and Leasing system s seed data as well as lookup codes defined on the Setup menu s Admin istration form The Wholesale Floor Planning Setup form only records setup data specific to the WFP module just as the Setup menu s Product module records data specific to the Loan Line of Credit and Lease modules
64. ways cut the number after the second decimal You can choose the rounding method you want to use by setting the parameter value for the system parameter CMN AMOUNT ROUND METHOD on the Administration form Setup menu bar gt Administration link gt System link gt System Parameters link gt System tab You can choose the rounding factor you want to use by setting the parameter value for the system parameter CMN AMOUNT ROUND FACTOR on the Administration form Currently the system supports rounding up to two decimals only Examples of how resulting amounts differ by RAISE ROUND and CUTOFF Example 1 Amount 234 136 Round 234 14 Example 2 Amount 234 134 Round 234 13 Example 3 Amount 234 1319999 Round 234 13 ESI ORACLE Note The system rounds only calculated amounts calculated fees calculated payment and so on and not user entered amounts Rate Attributes The system supports the rounding of the index rate to keep the rate calculation as simple as possible for the customers The general practice is to round the rate to nearest eighth 1 8th to keep the index rate in the multiple of 125 or fourth 1 4th to keep the index rate in the multiple of 25 The system rounds only the index rate and not the margin or final rate You can define the index rounding method on the Product tab s Product Definition screen for variable rate line of credits Note Index rounding does not apply to fixed rate loa

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