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Credit Appraisal Management User Manual

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1. Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Category Specify the benchmark category The adjoining option list displays all the categories maintained in the system Select the appropriate one Ratio group Specify the ratio group Industry Specify the industry name for which benchmark is defined Balance sheet size Specify the balance sheet size Period Type Specify the period for upload QQ YY at ORACLE 2 5 Ratio Element Specify the ratio element Value Specify the ratio value Minimum Value Specify the minimum ratio value Maximum Value Specify the maximum ratio value Viewing Benchmark Ratio Details You can view the benchmark ratio details using Ratio Benchmark Summary screen To invoke this screen type ORSRATBM in the field at the top right corner of the Application tool bar and click the adjoining arrow button cs Ratio Benchmark Summary E gt Search C Advanced Search f Reset 7 Clear All Case Sensitive Authorization Status Record Status Category Ratio Group Industry z Balance Sheet Size Period Type Records per page 15 gt 10f1 Authorization Status Record Status Category Ratio Group Industry Balance Sheet Size Period Type You can click Search button to view all the pending functions However you can to filter your search based on any of the follow
2. Application Number CRPProcess16159 Customer No 00013392 MIS Group las Local Branch FAT Default From MIS Group F Link to Group TEWE Composite MIS Customer MIS Classes 10f1 50 E MIS Class MIS Code a Change Log Transfer Log Refer Management Information System User Manual for further details Linking Covenant for Customer You can link customer covenant details through the Customer Covenant screen Click Customer Covenant button from Credit Appraisal Application Entry screen to invoke this screen M4 Customer Covenant Application Number CRPProcess16159 Customer Number 00013292 1 Of 1 v Covenant Id Covenant Name Revaluation Date Mandatory Period Grace iV 37001 fae 5 You can enter the following details Application Number The system will display the application number Customer Number The system will display the customer number Covenant Id The system will display the covenant ld wee ORACLE Covenant Name Specify the covenant name The adjoining option list displays all the covenant names maintained in the system Select the appropriate one Revaluation Date Specify the date on which the covenant needs to be reviewed Mandatory Check this box to indicate whether convent defined is mandatory as part of the process or not You may change this preference when this convent is li
3. Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT Extemal Source Ref No Application Status CP Enrichment E z FIKYC Required ia r Operation Existing 7icredit Rating Required Customer Liability x 000000062 Facility Hierarchy Customer Details 10f1 gt V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details i ww 000006449 TEST123 000 000000062 Details Documents MIS Image Remarks Previous Remarks Outcome E Customer Details KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 10f1 Internal Blacklist Result NOT FOUND a Ni Contraci Verification good a gz as ae Remarks _ W SDAF A Other KYC Remarks fine g tH KYC Director Profile External KYC Remarks 10f1 G E 1011 HHE T Director Name SDN Result Internal Blacklist Check Contact Verification Ren v Name Value gt 7 DAVID NO MATCH E NOT FOUND Good E FGFG AA Fal ORACLE 3 8 In this screen you can view and verify the applicant s details After verifying the details select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the
4. Cheque book required Restriction on accounts ORACLE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option Home interactions Customer Workflow MERI Preferences Search Assigned x Apply Filters Quick Search Assigned Task List A Page 1 Of 3 gt pp Jump to page g Application fa Application kS Workflow Reference Requested Amount Title Customer Name Liability No Creation Date From To Priority hs CRPProcess15797 1332338 1 Credit appraisal enrichment 000000062 000000062 2014 03 05 16 43 32 1ST Low Origination Dashboard Xx CRPProcess16023 Credit appraisal application entry 2014 03 06 16 39 461ST Low a ProcessAnalytics x CRPProcess16032 Credit appraisal application entry 2014 03 08 12 57 51 1ST Low Standard H r ia l x OpenCurrentAccount16038 RecieveandVerifyCustDetails 2014 03 10 12 04 251ST Low x RetailLending16039 Underwriting ASF ASF 2014 03 10 12 29 40 IST Low Search Administrative CRPProcess16040 200 17 Credit appraisal enrichment 000000062 000000062 2014 03 10 15 56 27 IST Low Applications Credit appraisal management Ye CRPProcess16043 104587 28 Credit appraisal enrichment 000000062 000000062 2014 03 10 16 06 32 IST Low Prior Xx CRPProcess 16046 Credit appraisal application entry 2014 03 10 19 50 24 1ST Low amp Standard We CRPProcess16047 Credit appraisal application entry 2014 03 10 19 50 32 IST Low Acquired 10 op
5. Closure advice gen eration Stage for generating the facility closure advice DB Hand off Stage for Hand off the Limit details to ELCM system for closing the facility Manual Retry option will be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices ORACLE Stage Stage Title Description Function ID Exit point Hand off Manual Retry option will ORDLPCRT PROCEED Retry be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices Advice to Stage for confirming the ORDLPCCA SENT Customer closure advice sent to customer Step 1 Application Entry In this stage the bank receives an application requesting for the closure 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 bank also obtains the account opening form and related documents as part of this activity The following details are captured in this stage Applicant information Facility Details Collateral Pool Details Terms and condition Exception information Documents obtained from the applicant are also uploaded during this stage ORACLE You can key in the applicant details required in Facility Closure Initiation screen Y
6. The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Review stage when the user has selected ADDITIONAL_INFO as the outcome and save 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 Facility Closure Acceptance screen am ORACLE Step 5 Closure Advice Generation In this stage the system will automatically initiate the generation of closure advice It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 6 DB Hand off In this stage the system will automatically invoke the DB adaptor call to hand off the Facility closure details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage Step 7 Hand off Retry The system will invoke the DB adaptor call to hand off the Facility closure details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage The retry counter will be incremented accordin
7. e Bank e Customer Insurance Type Specify the type of the insurance e g FIRE DAMAGE THIEFT etc that has been associated for that collateral Start Date Specify the start date for that insurance End Date Specify the end date for that insurance Revision Date Specify the date of revision of the insurance Notice Days On choosing a covenant name system defaults the Notice Days details i e the number of days prior to next revision date of the covenant You can modify this value The period during the notice days will be the notice period Periodicity Select the premium periodicity of the insurance from the drop down list and available options are e Monthly e Daily e Quarterly e Half yearly e Yearly Premium Status Select the premium status of the insurance from the drop down list and available options are oe ORACLE e Overdue e Normal e Failure Premium End Date Specify the end date of the premium payment Insurance Currency Specify the insurance currency of the policy Insurance Amount Specify the insured amount of the policy Cover Date Specify the date from which the insurance policy is valid The insurance cover date cannot be greater than the collateral expiry date Text code Specify the insurance code of the policy for which you want to capture insurance details Premium Currency Specify the currency of the premium to be paid Premium Amount Specify the amount of the premium
8. Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT Extemal Source Ref No Application Status CP Enrichment i VIKYC Required e Operation Existing wiCredit Rating Required Customer Liability x 000000062 Customer Details 10F1 W Existing Customer Customer No Default Customer Name Local Branch Liability Number Details gt wo 000006449 BEM TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome e Click Details in the Ascertain KYC Check screen to invoke Customer Details screen A Customer Details Customer Type Corporate Full Name Customer No 10310063 Individual Customer Name Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 KYC Director Profile 10f1 W Director Name jy DAVID You can view the customer details in this screen If the customer information is complete then select the outcome as REQUIRED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Ascertain KYC Check screen Click Exit button to exit the screen The task is then moved to the next activity a0 ORACLE 3 3 3 4 SDN check In this stage the bank checks the appli
9. Report Format PpF Printer At Client x Report Output Print x Printer azl You can enter the following in this screen Customer Details Customer Number Specify the customer number whose financial ration needs to be compared The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Customer Name The system will display the customer name whenever you select customer number a ORACLE Customer Branch The system will display the customer branch whenever you select customer number Industry The system will display the customer industry whenever you select customer number Report Details Report Type Select the type of the report from the drop down list and the available options are e Quarterly e Yearly Year Specify the financial year which is taken for the report generation The adjoining option list displays all the years maintained in the system Select the appropriate one Quarter Select the quarter which is taken for the report generation from the drop down list and the available options are e Quarter1 e Quarter2 e Quarter3 e Quarter4 Sheet Volume Specify the sheet volume of the report The adjoining option list displays all the sheet volumes maintained in the system Select the appropriate one Compare With Select the option with which report can be compared from the drop down list and the available options are e Previous
10. aad cece Upload Document Path Browse _ Submit f Cancei 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 View Click View button to view the document uploaded Verified Check this box to indicate whether the document to be verified Remarks Specify remarks if any sp ORACLE 5 2 3 1 Report Tab ocuments Application Number CRPProcess16158 Application Category CORPCAT Document RG Checklist Report Details 10f1 E Report Name Attribute Template Attribute Format Locale View You can view the following details e Report Name e Attribute Template e Attribute Format e Locale e View 5 2 3 2 Checklist Tab E Documents Application Number CRPProcess16159 oe Application Category COVN_CAT Document Report KONSE Gi CheckList Details 10f1 7 Check List Mandatory Verified Comments n 7 asaasa E a F You can enter the following details Check List The system will display the check list details Mandatory The system will default from Documents main screen Verified Check this box to indicate whether the check list items have been verified Comments Specify comments in any a ORACLE To acquire the next stage you need to
11. For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Avww 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 manual BPEL Business Process Execution Language BPMN Business Process Model and Notation WF Workflow EOD End of Day BOD Beginning of Day KYC Know Your Customer ELCM Enterprise Limits and Collateral Management 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 1 the various chapters covered in this User Manual Maintenances describes about the general maintenance options available Chapter 2 to ensure successful functioning of a credit appraisal management origina tion process Credit Appraisal Management Origination explains the workflow of a pro Chapter 3 cess and procedure to define and maintain the prospective corporate cus tomer details t1 ORACLE 1 6 1 7 Chapter 4 Credit Appraisal Management Closure Transfer explains the workflow of a process and procedure to close transfer facility Chapter 5 Credit Appraisal Management Covenant explains the workflow of a cove nant process received from
12. ORACLE 4 1 4 Credit Appraisal Management Closure Transfer Process Introduction The bank financial organization receive a credit proposal application from client customer for closing the existing facility or Bank Customer initiates the transfer of unutilized facility to another facility of the same liability since the facility is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date The proposal application consists of customer details financial information and the existing facility details Closure Process The bank initiates the facility closure for a customer since the facility is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date Customer can initiate the closure of an existing facility after complete closure of the loan The bank financial organization receive a facility closure application from customer for closing the existing facility For facility closure request the application request consists of customer details financial information and the existing facility details The requested application will be enriched with underlying collaterals collateral pools and sent the package for internal review external review As part of the facility closure process end user will be allowed to close the underlying collateral pool close the under
13. 7 in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button oe ORACLE LN Credit Appraisal Application Entry H Save i Hold Application Number CRPProcess16158 Ko Channel la Application Branch 000 Channel Reference No el Application Priority Low Application Date 2013 01 28 External Source laz User Reference Number 000ELCM1302802Kt Application Category fae External Source Ref No i Application Status CP Initiation IKYC Required 7 Operation s ___ Tox Credit Rating Required Cee EP Default Liability Facility Hierarchy Requested Remarks Customer Details 10f1 4 Ee V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details m l 000 al Documents Customer Interations 360 Degree Borrower View MIS Customer Covenant Image Remarks Previous Remarks You can specify the following details in this screen Application Number Specify the CAM application number of the customer Application Branch The system displays the application branch code Application Date The system displays the application date Application Category Specify the application category The adjoining option list displays all the application categories maintained in the system Select the appropriate one Operation Select the operation you wan
14. Communication Mode Select the communication mode of the customer from the following options provided in the drop down list e Email e Mobile Same as Correspondence Address Check this box if you wish the correspondence address to be the same Name Specify the name of the customer Address Specify the address of the customer Country Specify the country associated with the address specified The adjoining option list displays all the countries maintained in the system Select the appropriate one Incorporation Date Enter the incorporation date 219 ORACLE Currency of Amounts Specify the currency of amount The adjoining option list displays all the currencies maintained in the system Select the appropriate one Capital Specify the capital amount Net Worth Specify the net worth amount Country Specify the country associated with the address specified Business Description Specify the business description Relationship manager RM ID Specify the relationship manager ID The adjoining option list displays all the RM IDs maintained in the system Select the appropriate one RM Name The system will display the relationship manager name whenever you select RM ID Director Tab Customer Details Customer No 00013391 Customer Category Customer Type Corporate Full Name Individual Customer Name CUST_CORP_B4 saat Local Branch FAT Application Number CRPProcess16158 von E Director
15. Facility Closure sureProcess cess for han Facility Transfer dling the facility clo sure Trans fer 4 BPELCRP BPEL BPEL pro Facility Closure ClosurePro cess for han a Facility Transfer cess dling the facility clo sure Trans fer 5 Bpelcvnpro BPEL BPEL pro Process for tracking cess cess for the underlying facility tracking the covenants collateral Covenants covenants and cus tomer covenant 6 Covenant BPEL BPEL pro process to initiate the Poller cess for initi covenant tasks for the ate the covenants which are Covenants on due revision date 7 KYCCheck BPMN BPMN pro Process for initiating cessforKYC the KYC corporate Corporate review for the custom Review ers Creating a New Facility for a New Customer You can capture the details like customer details Liability details Collateral details and collateral pool details for availing the new facility and the following operations can be done e Multiple customers to avail the facility e multiple collaterals linked to the liability e Multiple facility linked to a liability The following core validation will be done to evaluate the captured information before saving the details in process flow 2 ORACLE 3 3 e Customer details e Liability details e Facility details e Collateral details e Collateral pool details After the approval the following details will be handed over to Oracle FLEXCUBE ELCM in this order
16. Requested Purpose Specify the purpose of the loan Limit Currency Specify the limit currency The adjoining option list displays all the limit currencies maintained in the system Select the appropriate one Calculate Click Calculate button the system will compute the Total proposed limits and Sanctioned limits for the proposed facilities and calculated amount will be displayed in total Proposed amount and Total Sanctioned Amount The total proposed amount will be the sum of all the facilities proposed amount and total sanctioned amount will be the sum of all the facilities sanctioned amount Total Requested Amount The system displays the total loan amount requested by the prospective customer The total proposed amount will be the sum of all the facilities proposed ou ORACLE 3 3 8 Facility Type Select the facility type from the drop down list and the available options are e New e Existing Line Code Specify the line code The adjoining option list displays all the line codes maintained in the system Select the appropriate one Line Serial Specify the serial line number Default To include an existing customer you will be allowed to select the customer no and click Default button The system will default the customer details for the selected customer no Description Specify a suitable description about the credit proposal Main Line Code The system will display the main line code Cat
17. 360Degree Corporate Customer Detalls 0 ccccceseeetttteeeeees 3 28 3 3 13 Viewing Customer MIS Details 00 ccccccccceseeceenteeeeeeentaeeeeeeenaeeeeeneaaaes 3 29 3 3 14 Linking Covenant for CUStOMED ccccccecceeteeeceentteeeeeeenaeeeeeteenaeeeeeseaaes 3 29 3 3 15 Customer Signatory Detallls 0 ccccccceceecceeteeeeceenteeeeeseeneeteeseenaeeeeeseaaes 3 31 3 3 16 Collateral Tab ccccie tes en needs etter ceeds een 3 32 B31 POOM PAD PEPE OE LENEE EE E aed aah E 3 41 4 Credit Appraisal Management Closure Transfer Process aaia 4 1 ET PAUCO eaa E E T E AN OAN 4 1 4 1 1 Closure PrOCOSS i e cnc divas adeded ostarte AARAA EAEOI LERAAR A EAER ERATA 4 1 4 1 2 Transfer PrOCOSS orccstiorecreiiyensi eiar reiasa iA a EVE EAE RR EAEE AE E 4 1 4 2 Stages in Closing Credit Appraisal Management ccceccseeeeeeeeteeeeeeesteeteeeeeaas 4 2 4 2 1 Process Flow Diagram suiisieisrokepasinrikii iienaa eiia ii i aa aaa 4 3 42 2 ProGeSS MAU aterri ea acai an EEEE E AREA EEEE EE aes 4 4 Covenant Tracking Process ccccccccceeeeeeeseseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeees 5 1 D introduction arinn E r a a a a 5 1 5 2 Stages in Covenant Tracking Process c cccccceeceeeeeeeeeeeeeeeeeeeeeeeeeeneaeeeeteeeaeees 5 1 9 2 1 Process Flow DiaQram ccccccccceteceeecetnteeeeeeeenneneeeetaaeeeeeeetiaeeeeeeenaeeeeenena 5 1 Dak FOCOS Matrix iiss desi ihecasescestsidi relat eee i eotea es ang ss Aedeagal 5 2 5 2 3 Ma
18. Application Entry Facility closure Enrichment capturing limit collateral details For clarification For clarification Approval Closure advice generation BIP service for generate facility closure advice Handoff error Hand off to ELCM Manual Retry Successful completion a ORACLE 4 2 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 1 Facility clo sure Initia tion In this stage you can capture the facility details which needs to be closed as part of the approval process ORDLPCIN ORDLPCAP PROCEED Facility clo sure enrich ment This stage is for enrich ing the facility details documentation for clos ing the facility As part of the data cap ture the underlying col lateral pool and collateral will be dis played in the screen and allow the user to select the option either to close the collateral collateral pool or delink the collat eral collateral pool ORDLPCEN PROCEED ADDITON AL_INFO Facility clo sure Review Stage for capturing the reviewers comments ORDLPCRV PROCEED ADDITON AL_INFO Facility clo sure Approval Stage for approver to approve the proposal ORDLPCAR PROCEED ADDITON AL_INFO
19. Available Amount Tran Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Outcome ME You can enter the following details Facility Details Facility Code Specify the facility code The adjoining option list displays all the facility codes maintained in the system Select the appropriate one Line Serial The system will display the line serial number a ORACLE Action Select the action to be performed on facility from the drop down list and the available options are e Close e Transfer Default Click Default button to default the details Description The system will display the description for facility Category The system will display the category Branch The system will display the branch code Currency The system will display the currency Available The system will display the available balance 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 check box 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 xxx Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired tas
20. Covenant Type CAM Application No Covenant Related To Maintaining Document Details You can maintain the customer related documents in credit appraisal management repository through the Documents screen Click Documents button from Credit Appraisal Application Entry screen to invoke this screen Documents Application Number CRPProcess16158 ie DEE eet creci Document Details 1 Of 1 30 Document Category Document Reference iv CORP_DOC WORKING CAPI Document Type x K Incorp Certif KO Cash and Credit sale Application Category CORPCAT lO T P A 7 e EE Mandatory Compute Upload You can enter the following details ORACLE Document Category Specify the category of the document to be uploaded The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Reference Specify the document reference number Document Type Select the type of document The adjoining option list displays all the document types maintained in the system Select the appropriate one Mandatory Check this box to indicate whether the document is mandatory Compute Check this box to indicate whether the document to be computed Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below
21. DEMORM E 000000084 CuUSTO9 000 000000082 Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome mo 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will move to Facility closure initiation stage when the user has selected ADDITIONAL_INFO as the outcome and save 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 Facility Closure Review screen os ORACLE Step 3 Facility Closure Review Task will be moved to review stage when the user has selected PROCEED as the outcome and save the task Facility Closure Review H Save 4i Hold Application Number CRPCIosureProcess161 5 Channel A
22. MIS AccountMIS UDF Customer Covenant Image Previous Remarks Oo TS 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will move to Credit appraisal enrichment stage if you select ADDITIONAL_INFO as the outcome and save 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 Credit appraisal approval screen Step 9 Approval Task will be moved to approval stage when the user has selected PROCEED as the outcome and save the task The finalized reviewed application will be sent along with review writing to senior management Credit proposal approver for final approval aep ORACLE iN Credit appraisal approval Save if Hold Application Number CRPProcess 16080
23. Required Customer Liability x 000000062 Default Liability Facility Hierarchy Customer Details Requested Collateral Pool AE Terms Exception Remarks Pricing Details 10f1 50 aga E Facility Code Existing Proposed Raroc Raroc Bank Score Bank Grade zs W OATFAC261 FE i Raroc RAROC History Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference MIS AccountMIS UDF Customer Covenant Image Previous Remarks Remarks Audit Ou M Ta ORACLE 7 2 7 3 Calculating RAROC The system will calculate risk adjusted return on capital RAROC using RAROC Calculation screen You can invoke this screen by clicking Raroc button in the Credit appraisal proposal structure screen Nd RAROC Calculation Screen Application Number CRPProcess16080 acility Details Credit Limit Capital at Risk interest Income Product Product Description Rate Cost of Funds Rate xpected Loss Rating Expected Loss RAROC Result Interest Margin Interest Revenue Operating cost Fee Revenue Expected Loss Revaluation Details Adjusted Income Raroc Terms Tab 279791 Facility Number OATFAC261 Fee Income Origination Fee Processing Fee Fee Other Fees Calculate Other Details Operating Cost Tax Rate Hurdle Rate Formula interest rate cost of funds rate Credit Limit X Interest
24. Utilized Amount 0 00 Customer Details 10f 1 Existing Customer Customer No Default Customer Name Local Branch Liability Number Details yw 000006449 TEST123 000 000000062 Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference MIS AccountMIS UDF Customer Covenant Image Previous Remarks Remarks Outcome E E In this screen you can view the complete information of credit appraisal risk evaluated of the applicant 6 1 Credit Evaluation Click Financial Analysis button in the Credit appraisal review and scoring screen to invoke Credit Evaluation screen to view the quantitative analysis qualitative analysis and model server details Credit Evaiuation Application Number CRPProcess16080 Customer Branch 000 Application Category COVN_CAT Customer No 000006449 Customer Type Corporate Customer Name TEST123 Quantitative Analysis Scale Score Credit Rating 1 Of 1 F Category Question Answer 80 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 check box 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 x
25. based End Date Bl whe Ls Avaliable Guarantor Id bi Revision Date B P ElSharing Required HRevokable Revaluation Date Ly m Collateral Type Guarantee Based Revoke Date EA FRevaluate Collateral Market Value Based Grace Days Normal Issuer Details Collateral Category a l Mortgage Initiated Issuer Name a Haircut pil Taken Over Issuer Reference Number a Rate Contract Reference Number Block Amount Faa ORACLE You can enter the following details Application Number The system will display the application number Liability Number The system will display liability number Collateral Code The system will display the collateral code Collateral Description Specify the description about collateral Collateral Branch The system will display the collateral branch Collateral Currency The system display the collateral currency Remarks Specify the remarks if any about collateral Start Date Specify the start date of the collateral effective period End Date Specify the end date of collateral effective period Revision Date Specify the date on or before which you want to revise the details specified for the collateral code Revaluation Date Specify the date on or before which you want to revalue the details specified for the collateral Revaluate Collateral Check this box to indicate that you wish to revalue the collateral as per revaluation criteria specified Grace Days Specify the grace
26. closure transfer is successfully completed A ORACLE Customer Acceptance Ls Save fy Hold Application Number CRPClosureProcess 161 2 Channel Application Branch 000 Channel Reference No a Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No i Application Status Credo ES E Customer Acceptance El Customer Liability 000000082 Facility Details Poo Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 i Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 4 10f1 gt Go E Customer No Customer Name Local Branch Liability Number RMID RM Name e F 004011317 KRISH_01 004 000000082 F 00013366 CUST_CORP_B10 FAT 000000082 E 00013369 CUST_CORP_B13 FAT 000000082 F 00013376 00013376 004 000000082 11111RM_3 Sweta F 00014463 TEST33 000 000000082 F 000000082 CUSTO3 000 000000082 DEMORM DEMORM E 000000084 CUST09 000 000000082 X Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome mo ate ORACLE 5 Covenant Tracking Process 5 1 Introduc
27. e Customer details e Liability details e Collateral details e Collateral pool details e Liability customer linkage details For the existing customer customer details will be modified For new customer the system will invoke the customer creation service and creates the new customer Creating a New Facility for an Existing Customer The customer details from Oracle FLEXCUBE for availing the new facility and update an indicator existing customer as existing customer The customers who are having the same liability will be taken for availing the facility The core validation will be invoked to evaluate the captured information before saving the details in process flow e Customer details e liability details e Collateral details e collateral pool details After the approval the following details will be handed over to Oracle FLEXCUBE ELCM e Liability details e Collateral details e Collateral pool details e Liability customer linkage details Modifying the Existing Facility for an Existing Customer The selected existing facility will be modified with captured facility information While saving the modification the system will invoke the ELCM services to validate the captured information to increase the facility limit After the approval the system will invoke the ELCM services to hand off the Liability facility collaterals and collateral pool details and raise the error messages in case ELCM validation fails T
28. has selected Additional Info as the outcome and save the task a ORACLE 6 Credit Appraisal Management Covenant Poller Process 6 1 Introduction The bank financial organization receive a credit proposal application from client customer for covenant poller process A batch program OREOD will be used to collect the covenants which are due on today or revision date as today The system automatically initiate a task in EODPoller process and passed the covenant details Process code Initiation Ref No as part of the Poller process input The DB adaptor will be called to construct the Covenant process Payload for that specific covenant 6 2 Stages in Covenant Poller Credit Appraisal Manage ment The different stages in covenant credit appraisal management process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages 6 2 1 Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow J identify the Covenants Collect Covenant details from db in the form of xml to initiate the task Create a task in Covenant tracking process flow Covenant Process Update the Success Failure of task creation oal ORACLE Step 1 Process for Initiating Covenant Maintenance In this s
29. in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Application Category Ratio Group Industry Financial Cycle Customer No j Financial Year Sheet Name Worksheet Name 1 Of 1 Parameter Value FromDate ToDate Currency Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Application Category The system will display the application category Ratio Group The system will display the ratio group Industry Specify the Industry code for the financial statement The adjoining option list displays all the industries maintained in the system Select the appropriate one a ORACLE 2 3 Customer No Specify the customer No for the financial statement The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Sheet Name Specify the uploaded sheet name The adjoining option list displays all the sheet names maintained in the system Select the appropriate one Financial cycle Specify the financial cycle for the financial statement The adjoining option list displays all the financial cycles maintained in the system Select the appropriate one Financial year Specify the financial year for the financial statement The adjoining option list displays all the financial years maintained in the system Select the appropriate one Work Sheet
30. message The task is completed successfully Click Ok button You will be taken back to the Other KYC Checks screen Click Exit button to exit the screen The task is then moved to the next activity KYC Decision After verifying and evaluating the KYC information bank decides whether it should enter into a relationship with the prospect continue relationship in case of an existing relationship or not Users belonging to the user role KYCMROLE KYC Manager can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the KYCDecision task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen KYC Decision r x H Save M Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status CP Enrichment gt 7 VIKYC Required as Operation Existing credit Rating Required Customer Liability 000000062 Ba Default Liability Facility Hierarchy Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch L
31. of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e Print e View e Spool i ORACLE 3 3 7 Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Requested Tab You can capture the following customer requested credit proposal details Credit Appraisal Application Entry H save M Hold Application Number CRPProcess16158 Channel Application Branch 000 Channel Reference No Application Priority Low in Application Date 2013 01 28 Extemal Source iat User Reference Number 000ELCM1302802KF Application Category Fal Extemal Source Ref No Application Status CP initiation z IKYC Required 7 Operationx Credit Rating Required Customer Liability FE P View Default Liability Facility Hierarchy Customer Details GEWESE Remarks iRequest Credit Proposal Details Requested Purpose fe Limit Currency GBP z Total Requested Amount 0 00 10f1 E 7 Facility Typex Line Code Default Main Line Code E aC E 1 Deteun 5 fal kal Documents Previous Remarks Remarks Request Credit proposal Details
32. schedule is greater than the limit specified here Max Daily Limit Specify the maximum daily limit amount Day Light Limit Specify the day light limit Category Specify the category for which the transactions authorize maintenance is being done Having specified the category for the liability and the facility the transaction authorize maintenance can be done for the same category When the Exception Txn Amount or Exception Breach Percentage gets breached for a line belonging to the same category as defined in the transaction authorize maintenance the transaction will be available in the queue defined in the transaction authorize maintenance for the specific category User Defined Status Specify status of the facility e g NORM for normal BLOCKED etc from the list available here The list displayed here is based on maintenance done in User Define Status Summary screen Status Changed Date Specify the date on which you wish to change the status You can specify a date before the line start date to block the line till the specified date Also you can set a date prior to the application date Internal Remarks Specify the internal remarks as limits terms and conditions Revolving Line Select this check box to indicate that the credit line is Revolving A revolving credit line indicates that a repayment of the utilized credit should reinstate the credit limit of the customer You can modify the preference as required Netting Re
33. serial number is unique to the line liability code combination Thus for every new record entered for a Line Liability combination a new Serial number is generated The Line Liability Serial number forms a unique combination Line Branch By default the system displays the branch code in which facility has been created You can change the branch code from the adjoining option list before saving the facility Once the facility is saved you cannot modify the branch code oe ORACLE Description Give a brief description of the facility here Main Line Code Specify the main line code if the created facility is a sub line Line Currency Specify the currency in which the facility is defined The currency that has been selected will have the following implications e The limit amount that has been specified for this Line Liability combination is taken to be in this currency e The line that has been defined will be available for Utilization only in the line currency unless specified otherwise under Currency Restrictions in this screen Once the entry is authorized you cannot change the currency If the limit allotted to this Line Liability combination can be utilized by accounts and transactions in currencies other than the limit currency the limit utilization will be arrived at by using the mid rate for the currency pair as of that day Limit Amount Specify the limit for the facility If you have maintained schedules fo
34. 0 2013 01 28 COL_3168_1 3168 INSURANCE Collateral CIF Tracking Required NEW_COLLAT New collateral for vodafo 000016820 Priority Approval Status User Reference Number Facility Line Facility Serial Description Customer No Customer Name Covenant Due Date Frequency Next Revision Date Covenant Verification 2013013029107 2013 01 26 Next Revision Required Monthly 2013 02 28 Description VODAFONE Cust Interaction Customer Covenants Documents Previous Remarks Remarks Au Otome EE 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 check box 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 xxx Acquire Successful on successful acquisition of the task a2 ORACLE Task will move to Receive covenant stage when the user has selected ADDITIONAL_INFO as the outcome and save 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 Step 3 Covenant Follow up Task will b
35. ASCII file including all the facilities which need to be frozen Oracle FLEXCUBE ELCM will initiate an amendment event and then un checks the Available check box ae ORACLE 3 3 8 1 Start Date Specify the start date for the facility Expiry Date Specify the expiry date for the facility If the limit amount assigned to the facility is not utilized within the specified expiry date then the Available check box will remain un selected This freezes the line for the respective liability Last New Utilization Date The system updates the Last New Utilization Date for the respective facility record as and when the transaction is processed You are not allowed to amend it Available Date Enter the available date The date can be selected from the adjoining calender Schedule Process Date Specify the schedule process date Generating Facility Liability Utilization Report Click on Utilization button in the Credit Appraisal Application Entry screen in Requested Tab to invoke Facility or Liability Utilization Report screen Facility or Liability Utilization Report Screen Liability No Facility Code COLL1 Liability Id Facility Name Liability Name Facility Id Report Format PDF x Printer At Client Report Output Print Printer You can enter the following details Liability No Specify the liability number The adjoining option list displays all the liability numbers maintained in the
36. Assigned a7 We _ ORPProcess 16048 Credit appraisal application entry 2014 03 10 20 05 59 IST Low gt Completed 98 gt Free Pool 1 gt Future Tasks 1 Quick View gt History Interactions Documents Advices X Queue Name Count Escalated 0 Expired 0 Aging 448 High 23 undefined 1 All tasks that have been successfully completed are listed in the right side of the screen Select the check box 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 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 Credit Appraisal enrichment screen Step 1 Application Entry The credit proposal process initiates with capturing the customer basic details like customer name address corporate details financial information and facility details like no of facilities requested and corresponding credit limit You can maintain the details related to the corporate customer in Credit Appraisal Application Entry screen You can invoke this screen by typing ORDLPAPP ORDLPAP
37. Channel Application Branch 000 Channel Reference No Application Priority Lo Application Date 2013 01 28 External Source User Reference Number 0O0ELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status CP Approval Operation E VIKYC Required z ai peration sting Credit Rating Required Customer Liability x 000000062 P Default Liability Facility Hierarchy Requested Collateral Pool Pricing Terms Exception Remarks Liability Details n Liability Number 000000062 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000062 Revision Date Secondary Clean Risk 0 00 d Limit an ey j PAY Caena Secondary Pre Settlement 0 00 Liability Branch 000 UnAdvised Risk Limit Liability Currency x GBP Netting Required Overall Limit 782 000 000 000 00 Utilized Amount 0 00 Customer Details 1 Of 1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details a A 000006449 PEE TEST123 000 000000062 Details Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference MIS Account MIS UDF Customer Covenant Image Previous Remarks Remarks Audit 5 Oc TT 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 check box against your Workf
38. Details Customer Type Corporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 Main Director PEA KYC Director Profile 1 0f1 Director Name DAVID You can view the customer details in this screen If the customer information is complete then select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Verify Prospect or Customer Details screen Click Exit button to exit the screen The task is then moved to the next activity Ascertain if KYC Checks are Required Users belonging to the user role KYCMROLE KYC Manager can perform these activities In case of an existing customer the bank checks if there are any changes to the existing KYC information already available with the bank The KYC check for an existing customer is performed only if there are changes in the customer information including details of nominee and mandate holder In all other cases of new and existing customers KYC checks are mandatory ES ORACLE 7y Ascertain KYC Check H Save lt h Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low
39. Details Permanent Address Director Name Tax Id Telephone ISD Code Telephone Coi Mobile ISD Code aiii Mobile Number Email Mailing Address Address 1 Other Details HO Country Shareholding _IPermanent US Resident Status Address 2 Address 3 Address 4 Country Director Details Director Name Specify the name of the director of the corporate customer Tax Id Specify the tax identification of the director 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 ai ORACLE 3 3 6 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 Email Specify the e mail ID of the director Mailing Address Address 1 to 4 Specify the mailing address of the customer in Line 1 to Line 4 provided Country Specify the country associated with the address specified Permanent Address Address Specify the permanent address of the director Country Specify the country associated with the address specified Other Details HO Country Specify the head office country associated with
40. Good i Y FGFG AA In this screen you can view the applicant s details As per the bank s mandated policy you will have to perform the customer identification check This involves verification of customer address phone number etc You can enter the outcome of various stages in the Audit block for the verifier to make a decision After verification select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Sap ORACLE 3 7 Click Ok button You will be taken back to the Verify Customer Contact Details screen Click Exit button to exit the screen The task is then moved to the next activity Other KYC Checks As per the bank s mandated policy you will have to other details like verification of the employer information verification of the income information sources and uses of funds etc Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the OtherKYCChecks task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen N f Save lt i Hold Other KYC Checks
41. Name Specify the worksheet name for the financial statement The adjoining option list displays all the work sheet names maintained in the system Select the appropriate one Parameter Specify the financial element name Value Specify the value for the financial element From Date Specify the From date for the financial cycle To Date Specify the To date for the financial cycle Currency Specify the currency for the financial element Viewing Modified Excel Details You can view the modified excel details using Excel Upload Modify Screen Summary screen To invoke this screen type ORSEXLMD in the field at the top right corner of the Application tool bar and click the adjoining arrow button ee ORACLE Excel Upload Modify Screen Summary amp search Ct Advanced Search D Reset 4 Clear All Case Sensitive Authorization Status Oe Record Status Industry az Customer No Financial Cycle Financial Year Sheet Name a Worksheet Name Application Category a m ala Records per page 10f1 Authorization Status Record Status Industry Customer No Financial Cycle Financial Year Sheet Name Wrorkshet lt You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Industry Select the industry from the opti
42. ORACLE Credit Appraisal Management Origination User Guide Oracle FLEXCUBE Universal Banking Release 12 0 3 0 0 Part No E53393 01 April 2014 Credit Appraisal Management Origination User Guide April 2014 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 2014 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 develope
43. Specify the document reference number Document Type Select the type of document The adjoining option list displays all the document types maintained in the system Select the appropriate one Mandatory Check this box to indicate whether the document is mandatory Compute Check this box to indicate whether the document to be computed Se ORACLE Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below bad Secs Upload 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 View Click View to view the document uploaded Verified Check this box to indicate whether the document to be verified Remarks Specify remarks if any 3 3 10 1 Report Tab Application Number CRPProcess16158 Document fig Checklist Report Details E Report Name Attribute Template Attribute Format Locale View 10f1 Application Category CORPCAT You can view the following details Report Name Attribute Template Attribute Format Locale View 3 26 ORACLE 3 3 10 2 Checklist Tab 3 3 11 Documents Application Number CRPProcess16159 Kl Application Category COVN_CAT El Document Report KAEA CheckList Deta
44. Specify the security Id for collateral The adjoining option list displays all the security Ids maintained in the system Select the appropriate one Nominal Value Specify the nominal value Price Code Specify the price code The adjoining option list displays all the price codes maintained in the system Select the appropriate one arag ORACLE Last Revaluation Price The system will display the last revaluation price Next Revaluation Date Specify the next revaluation date Guarantee based Guarantor Id Specify the guarantor Id of the collateral The adjoining option list displays all the guarantor Ids maintained in the system Select the appropriate one Revokable Check this box to indicate whether revokable is required Revoke Date Specify the revoke date Issuer Details Issuer Name Specify the issuer name of the collateral Issuer Reference Number Specify the issuer reference number 3 3 16 1 Specifying Collateral Preferences You can capture the collateral preference details by clicking Collateral Preferences button at the enrichment stage The Collateral preferences screen gets displayed where you can maintain the Collateral details Collateral Preferences Application Number CRPProcess16016 j Liability Branch 000 Collateral Branch 000 Application Category FACT_CLOSURE Liability Number 000017109 Collateral Code ommitment Details User Data Elements Details HairCut Commitment Bra
45. Year e Last 2 Years e Last 3 Years Report Generation Type Select the type report generation from the drop down list and the available options are e Data Type e Graph Type Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e View as ORACLE e Print e Spool Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one i ORACLE 8 Function ID Glossary o ORDLPCRT escsssecssseesssees 4 12 ORDBSZMT onssas 2 6 ORDLPRTY nssssssssssssesssrssesss 3 63 ORDCLAPP 0 005 4 6 6 2 ORDRATEBN 0 eee 2 4 ORDCTRMT sixcausanctaent 6 2 ORRBENCH sesseeeteecees 7 3 ORDEXLMD onssas 2 1 ORRFACTR nsssssssssssessesseessss 7 1 ORDEXLUP oonan 2 8 ORSBSZMT 2 essere 2 7 ORDLEADM ccsscecsssseessees 3 8 ORSEXLMD ssas 1111111111 2 2 ORDLPAPP oonan 3 8 ORSEXLUP 0 eeseeeeteeteeees 2 9 ORDLPAPP ORDLPAP 4 3 8 ORSRATBM onsas 2 5 ORDLPCAL ossos 3 64 ORDLPCIN ORDLPCAP 4 6 a ORACLE
46. a client or customer Chapter 5 Credit Appraisal Management Covenant poller explains the workflow of a covenant poller process received from a client or customer Chapter 7 Reports lists the possible reports that can be generated for the module Chapter 8 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 Enterprise Limits and Collateral Management 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 TX Exit J Add row Delete row a Option List 1 2 ORACLE 2 1 2 2 2 Maintenances Introduction As part of general maintenance required for the successful functioning of Credit Appraisal Management Origination you should maintain the following in the system e Financial Data Maintenance e Benchmark Ratio Maintenance e Balance Sheet Size Maintenance e Document Upload Uploading Modified Excel The system displays the financial entities which have been uploaded through the excel sheet Industry customer no fin type PL BS financial year financial cycle will be used as key elements for retrieving the uploaded details through Excel Upload Modify Screen screen You can invoke this screen by typing ORDEXLMD
47. ails Pool Details Type Select the facility type from the drop down list and the available options are e New e Existing Pool Code Specify the Pool Code here The pool code assigned to each collateral pool can be linked to a Liability while creating credit limits Default Click Default button to default the details related to collateral pool a ORACLE pool Description Specify a brief description of the collateral pool here Pool Branch The system will display the pool branch Pool Currency Specify the currency in which the Collateral Pool has to be maintained Pool Amount The system computes and displays the utilization amount to the Collateral Pool if a collateral Pool is attached to a contract or account and not through a facility Pool Utilized This field displays the pool amount that has been linked to a various credit lines hence displaying the total pool amount utilized at any point in time Available Amount The system will display the available amount Mortgage initiated Check this box if you wish to initiate the mortgage Collateral Pool Linkage Collateral Code Specify the collateral code The adjoining option list displays all the collateral codes maintained in the system Select the appropriate one Collateral Description The system will display the collateral description whenever you select collateral code Collateral Branch The system will display the collateral branch whenever
48. and services Oracle 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 FARM gl 01 aro Mane es SSS 8 on E 1 1 We UMMOMUGHON pp ctecte Hbveceet hecbissee a a a a dete 1 1 12 AUEN E oa ara A E O E e AA A A 1 1 1 3 Documentation Accessibility ssaceesneeeeeesaieessnnesisnnnnesiinnnnsnnndadaenanndatninnaestannnnana 1 1 1 4 Acronyms and Abbreviations 0 ccccccceeeeeeceeeeeeeeeeneeeeeeeaaeeeeeeeeeeeeeeeeeieeeeeeeenaees 1 1 ko coama E T TE AST 1 1 16 Related Documents issu cess eren Ea E Gate aa Nel ee 1 2 TE gt GlosSary OV ICONS eaaa ch isha cea tenet a c tees ek dtd dene eager as Gated Ot eee 1 2 2s MaintenanCes 22 4 3 2 coe cee ate toes 2 1 QWs rTu a eran ete tent Adetntit ea ut ieta eee a itt atid a vive ahaa ee 2 1 2 2 Uploading Modified Exel dee a E A AE ER REE 2 1 2 3 Viewing Modified Excel Details eiscrc ieai i EEE E RE aR 2 2 2 4 Maintaining Benchmark RattiO ccecseeeeeeeeeceeeeeeeeeneeeeeeeeaeeeeseenaeeeeeeenaeeeeseeaas 2 4 2 5 Viewing Benchmark Ratio Details 2 0 0 0 ceeeeeeeeeeeeeneeeeeeeneeeeeeeaaeeeeeeenaeeeeeeeaas 2 5 2 6 Maintaining balance Sheet Size usseseseeseeesiiieserrreeserretttttrrststtinrsttttrnnsttennnennt 2 6 2 7 Viewing Balance Sheet Size Details ec ceceeeeeceeeeeeeeneeeeeeeeeeeeeeseeeaeeeeeeenaeees 2 7 2 8 Maintaining Documen
49. aptured in the previous stage is enriched in the credit appraisal enrichment stage The proposal will be enriched by capturing additional information like collateral details which are attached along with the proposal type of the collateral availability of the collateral Original Value market value for the collateral haircut percentage limits which are already sanctioned to the Customer utilized amount proposed new facility limit and the current status of the loans oa ORACLE The enriched proposal will be sent for internal review external review for arriving the borrower limit for that customer he Credit appraisal enrichment H save lt i Hold Application Number CRPProcess16040 Channel Application Branch 000 Channel Reference No i Application Priority Low Y Application Date 2013 01 28 Extemal Source User Reference Number 000ELCM1302802IS Application Category CORPCAT External Source Ref No e Application Status CP Enrichment FIKYC Required ao Operation Existing Flcredit Rating Required Customer Liability 000000062 EEEN Requested Collateral Pool Remarks Liability Details Liability Number 000000062 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000062 i Revision Date Secondary Clean Risk 0 00 in iabil iabil Limit e Lay 7 bs Liability Category x kl Secondary Pre Settleme
50. arter e Previous Year e Last 2 years e Last 3 Years Report Generation Type Select the type report generation from the drop down list and the available options are e Data Type e Graph Type Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are ice ORACLE 7 3 e Print e View e Spool Printer At Specify the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Generating Benchmark Reports You can compare the financial ratios with predefined benchmark ratios using Benchmark Report Screen screen The system will allow you to select the customer number financial year and the type of the comparison like compare with Quarter1 Quarter2 Quarter3 Quater4 Last year etc You can invoke this screen by typing ORRBENCH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button BenchMark Report Screen iy ustomer Details Customer Number Customer Name Customer Branch Industry Report Details Report Type Quarterly iw Sheet Volume Year Compare With X Quarter x Report Generation Type Data Type
51. atus Customer Acceptance KYC Required Operation Existing Credit Rating Required Customer Liability x 000000062 P MEY Default Liability Facility Hierarchy eed Requested Collateral Poo Pricing Terms Exception Remarks Liability Details Liability Number 000000062 User Defined Status Liability Clean Risk Limit Liability Name 000000062 Revision Date Secondary Clean Risk Main Liabilty No Liability Category iat A Liability Branch 000 UnAdvised Risk Limit Liability Currency GBP Netting Required Overall Limit 782 000 000 000 00 Utilized Amount 0 00 Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details 7 wl 000006449 PAA TEST123 000 000000062 Details Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference MIS AccountMIS UDF Customer Covenant Image Previous Remarks Remarks 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will be moved to Approval stage if
52. cant s name for terrorism related black listing against the SDN database maintained by the Office of Foreign Assets Control OFAC In case of a no match the process proceeds In case of a match positive partial you can verify the match again using the OFAC guidelines A system Task is created which invokes the external service to do the SDN check for all new applicants and any existing customers whose information is modified All nominee details are also sent for SDN check Verify SDN Match The bank checks the applicant s name for terrorism related black listing against the SDN database maintained by the Office of Foreign Assets Control OFAC In case of a no match the process proceeds In case of a match positive partial you can verify the match again using the OFAC guidelines Users belonging to the user role KYCMROLE KYC Manager can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Verify SDN Match task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen L prerity SDN Match Fl save 4 Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 Extemal Source User R
53. ce Sheet Size Specify the unique name to identify the balance sheet size Description Enter a brief description about the balance sheet size Currency Specify the currency to define the balance sheet size 26 ORACLE 2 7 Balance Sheet amount range From Amount Specify the range for balance sheet size To Amount Specify the range for balance sheet size Viewing Balance Sheet Size Details You can view the balance sheet size details using Balance Sheet Size Maintenance Summary screen To invoke this screen type ORSBSZMT in the field at the top right corner of the Application tool bar and click the adjoining arrow button Balance sheet size Maintenance Summary IE Search Advanced Search fJ Reset 4 Clear All Case Sensitive Authorization Status Ba Balance Sheet Size asl Records per page 15 7 10f1 Authorization Status Record Status Balance Sheet Size Record Status Description Currency From Amount To Amount You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Balance Sheet Size Select the balance sheet size from the option list Record Status Select the record status from the drop down list When you click Search button the records matching the specified search crite
54. cess In this stage the system will automatically initiate the existing Credit rating sub process to perform the Credit rating process It is an auto stage the system will invoke the service without any Human intervention Step 5 Credit Review and Scoring After performing credit rating process the system will take you to the credit review and scoring stage The actual takes will be available in the proposal structuring stage only when the following stages are completed successfully In case any one of the stage is not completed the task will not be available in the proposal structuring stage e Initiate KYC Approval sub process e Initiate Credit Rating sub process e Credit Review amp Scoring e Risk Evaluation Fag ORACLE 5 1 Task will remain in the credit review and scoring stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit Review and Scoring task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Credit appraisal review and scoring Ef Save ji Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low bal Application Date 2013 01 28 External Source User R
55. d or intended for 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
56. days associated with the collateral Collateral Category Specify the collateral category The adjoining option list displays all the collateral categories maintained in the system Select the appropriate one Haircut Specify the percentage of hair cut for the collateral The adjoining option list displays all the hair cut percentages maintained in the system Select the appropriate one Rate Specify the rate of collateral Contract Reference Number Specify the contract reference number of collateral ae ORACLE Block Amount The system will display the blocked amount Collateral Value Specify the collateral value Utilized Amount The system display the utilized amount Available Amount The system will display the available amount Lendable Margin Specify the margin that should be allowed for lending Charge Type Select the charge type from the drop down list and the available options e Pledge e Hypothecation e Lien e Mortgage e Assignment Collateral Expose Type Select the one of the collateral expose type from the following options e Unsecured e Secured e Liquid Collateral Type Select the one of the collateral type from the following options e Guarantee Based e Market Value Based e Normal Mortgage Initiated Check this box if you wish to initiate the mortgage taken Over Check this box if you wish the collateral linked to CI CL account is to be taken over Market Value Based Security Id
57. e Initiate KYC Approval sub process e Initiate Credit Rating sub process e Credit Review amp Scoring e Risk Evaluation Task will remain in the credit appraisal risk evaluation stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit appraisal risk evaluation task to acquire it The system displays the information message as xxx Acquire Successful Fap ORACLE If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Credit appraisal risk evaluation Save q Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302302J Application Category COVN_CAT Extemal Source Ref No Application Status CP Risk B WIKYC Required F Credit Rating Required Default Liability Operation Existing gt Customer Liability 000000062 PREY Facility Hierarchy Customer Details Liability Details Liability Number 000000062 User Defined Status Liability Clean Risk Limit Liability Name 000000062 Revision Date Secondary Clean Risk Main Liability No Liability Category Secondary Pre Seltioment Liability Branch 000 Risk Limit Liability Currency GBP Overall Limit 782 000 000 000 00
58. e moved to covenants Verification stage when the user has selected RECEIVED as the outcome and save the task Covenant Follow Up Li Save iy Hold Process Ref No Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name CVN14012248103 000 2013 01 28 FAC_3647_1 3647 INSURANCE Priority Approval Status User Reference Number Facility Line Facility Serial ow gt Follow Up 2013013031002 MAIN_LINE 1 Description Approved Credit Limit for Customer No Customer Name Covenant Due Date 2013 01 30 C Next Revision Required Frequency Next Revision Date Revision Related To Facility v Credit Appraisal Reference No CIF Tracking Required Track Customer Collateral Code Description Liability No 000016820 Description VODAFONE Cust Interaction Customer Covenants Documents Previous Remarks Remarks uo 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will move to Receive Covenants stage when the user
59. e task in your Assigned task list and invoke the following screen t Verify Prospect Or Customer Details H save i Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low E Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802J Application Category COVN_CAT External Source Ref No Application Status CP Enrichment E n FIKYC Required oan Operation Existing 7 credit Rating Required Customer Liability x 000000062 Default Liability Customer Details 101 5 W Existing Customer Customer No Default Customer Name Local Branch Liability Number a mow 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome M E Click Document button to invoke Document Upload screen The verifier will be able to update only remarks and upload documents that he might obtain in this stage Documents Application Number CRPProcess16067 t Application Category COVN_CAT Report Checklist Document Details 10f1 So EZ Document Category Document Reference Document Type x Mandatory Compute Upload ADDRESS az 354435435 PASSPORT Ee a v one ORACLE 3 2 Click Details in the Verify Prospect or Customer Details screen to invoke Customer Details screen h Customer
60. e the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Facility closure enrichment stage when the user has selected ADDITIONAL_INFO as the outcome and save 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 Facility Closure Approval screen 10 ORACLE Step 4 Facility Closure Approval Task will be moved to approval stage when the user has selected PROCEED as the outcome and save the task Facility Closure Approval H Save lt i Hold Application Number CRPClosureProcess161 5 Channel Application Branch 000 Channel Reference No i Application Priority Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No Kl Application Status Operation Close Shh Customer Liability 000000082 AE Facility Details Pool Terms Exception Stage Remarks Liability Details lt Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 i Liability Currency USD Revision Date Main Liabilit
61. ed in the system Select the appropriate one Channel Specify the channel The adjoining option list displays all the channels maintained in the system Select the appropriate one Channel Reference No Specify the channel reference number External Source Specify the external source The adjoining option list displays all the application external references maintained in the system Select the appropriate one o ORACLE 1 1 External Source Ref No Specify the external source reference number Application Priority Select the priority of the application from the drop down list and the available options are e Medium e Low e High User Reference Number Specify the user reference number Customer Liability Specify the customer liability The adjoining option list displays all the customer liabilities maintained in the system Select the appropriate one Facility Details Tab You can capture the following customer facility credit proposal details Facility Closure Initiation Este A Hols a Operation Close New Application Customer Liability FE P View Customer Detaiis Fenris Pool Terms Exception Stage Remarks Facility Details 1 Of 1 Facility Code Line Serial Action Default Description am a Facility Transfer Details 10f1 Transfer Reference Number To Liability Number To Line Code To Line Serial To Facility Currency To Facility Amount To Facility
62. eference Number 000ELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status men x IKYC Required Credit Rating Required Default Liability Operation Existing Customer Liability x 000000062 Customer Details 10f4 EE Existing Customer Customer No Default Customer Name Local Branch Liability Number a 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome NO MATCH EA Click Details in the Verify SDN Match screen to invoke Customer Details screen SA ORACLE 3 5 Customer Detaits Customer Type Corporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 Main eco KYC Director Profile 1011 Z Director Name SON Result 7 DAVID NO MATCH In this screen you can view the applicant s details In case of a positive SDN match the bank informs the regulatory agency OFAC or any other similar agency about the SDN match of the prospect customer However if the match is cleared you can continue with the subsequent KYC checks Select the outcome as NO MATCH and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Verify SDN Match screen Click Exit button
63. eference Number QO0ELCM1302802J Application Category COVN_CAT External Source Ref No Application Status CP Scoring ZIKYC Required _ V Credit Rating Required Default Liability Operation Existing gt Customer Liability 000000062 ia View Facility Hierarchy Customer Details Requested Collateral Pool Remarks Liability Details Liability Number 000000062 User Defined Status Liability Clean Risk Limit Liability Name 000000062 Revision Date Secondary Clean Risk inhint aii Limit Main Liabiity No Liability Category ai PraSwlionent Liability Branch 000 L lUnAdvised Risk Limit Liability Currency GBP C Netting Required Overall Limit 782 000 000 000 00 Utilized Amount 0 00 Customer Details 10f1 V Existing Customer CustomerNo Default CustomerName Local Branch Liability Number Details 000006449 PE TEST123 000 000000062 Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference MIS AccountMIS UDF Customer Covenant Image Previous Remarks Remarks In this screen you can view the complete information of credit and scoring of the applicant Credit Evaluation Click Financial Analysis button in the Credit appraisal review and scoring screen to invoke Credit Evaluation screen to view the credit risk model server and credit agency details oat ORACLE Credit Evaluation Application Number CRPProcess16080 Cu
64. egory Specify the category of the request proposal The adjoining option list displays all the categories maintained in the system Select the appropriate one Branch Specify the branch code in which the application is processed The adjoining option list displays all the branch codes maintained in the system Select the appropriate one Currency Specify the currency of preference of the customer The adjoining option list displays all the currencies maintained in the system Select the appropriate one Previous Sanctioned Specify the previous sanctioned amount to the prospective customer Available The system will display the available start date of the loan Requested Specify the loan amount requested by the prospective customer Expiry Date Specify the expiry date of the loan from the adjoining calendar Maintaining Facility Details Click on Details button in the Credit Appraisal Application Entry screen in Requested Tab to invoke Facility Details screen oe ORACLE Facility Details Application Number CRPProcess16158 Application Category Facility Details Line Code COLL Line Serial 1 Line Branch Description rthrh Main Line Code Line Currency GBP Category HNI User Defined Status Status Changed Date e Intemal Remarks je Revolving Line Netting Required UnAdvised E Fund ElShadow Limit Buik Payment Required Utilization Availab
65. en ae ORACLE 3 3 4 Liability Details Summary De Application Number CRPProcess16158 0 Borrower Branch 000 Application Branch 000 Application Category Borrower Liability Application Date 2013 01 28 Application Level 1 Collateral Pool Facility Details Liability Details Liability Number User Defined Status Liability Clean Risk Limit Liability Name gt Revision Date Secondary Clean Risk aail Limit Main Liability No Liability Category Secondary Pre Settlement Liability Branch UnAdvised z Risk Limit Liability Currency _ Netting Required Overall Limit Utilized Amount Borrower Details 1 Of 1 F CustomerNo ShortName LocalBranch Liability Number Details Liability Preference MIS UDF For more details on capturing liability summary details refer the chapter Limits amp Collaterals in Enterprise Limits and Collateral Management user manual Customer Details Tab You can capture the following customer details related to a prospective customer Existing Customer Check this box if you are an existing customer Customer No Select the customer number The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Default To include an existing customer you will be allowed to select the customer no and click Default button The system will default the customer details for the selected customer no Custo
66. g customer In case the details captured are incorrect the bank makes the necessary modifications If the verification is successful the bank proceeds to conduct KYC checks Once KYC checks are carried out the result is passed on to the parent process If any of the checks fail the relevant regulatory internal authorities are informed Once KYC checks are carried out the result is passed on to the parent process Here you perform the Know Your Customer check on the customer The KYC check depends upon the regulatory environment within which your bank operates and its internal KYC policies Bank initiates the process of KYC review for a customer as a part of parent process with all the relevant information in the system This process comprises the following stages e Verify prospect customer details e Ascertain if KYC checks are required e SDN checks Fa ORACLE 3 1 e Verify SDN Match e Internal Black List check e External KYC Checks e Verify customer contact details e Other KYC Checks e KYC Decision Verify Prospect Customer Details Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Sub process KYC Review task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on th
67. gly For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Liability details to ELCM You can invoke Facility Closure Manual Retry screen by typing ORDLPCRT in the field at te top right corner of the Application tool bar and clicking the adjoining arrow button Facility Closure Manual Retry H Save lt i Hold Application Number al Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UxX Application Category External Source Ref No el Application Status Facility Closure Manual Retry Operation Close Customer Liability Facility Details Pool Terms Exgpion Stage Remarks Liability Details Liability Number Liability Branch User Defined Status Liability Name Liability Currency Revision Date Main Liability No Overall Limit Liability Category Utilized Amount Customer Details 1 Of 1 Fa F Customer No Customer Name Local Branch Liability Number RMID RM Name Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Oucone ME Ed Step 8 Customer Acceptance Task will be moved to acceptance stage when the user has selected SENT as the outcome and save the task After successful hand off closure advice will be sent to customer The process of Facility
68. 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will move to Follow up stage when the user has selected Follow up as the outcome and save the task To acquire next stage select Outcome as Received and then 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 Covenant verification screen Step 2 Covenant Verification Task will be moved to completed stage when the user has selected VERIFIED as the outcome and save the task Covenant Verification H Save 4 Hold Process Ref No Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name Revision Related To Credit Appraisal Reference No Track Customer Collateral Code Description Liability No CVN14010247867 00
69. hannel Reference No Application Priority Low X Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status CP Structuring E i Easting JIKYC Required saad Operation Existing Credit Rating Required Customer Liability 000000062 Default Liability Customer Details Requested Collateral Pool Pricing Terms S lt eouie Remarks Facility Exception Details 1 0f 1 30 T Facility Code Description Category 7 OATFAC261 K BANK L HE Exception x Considered Documents Previous Remarks Remarks Audit Out 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 check box 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 xxx Acquire Successful on successful acquisition of the task Task will move to Credit appraisal enrichment stage if you select ADDITIONAL_INFO as the outcome and save 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 t
70. he features maintenances and the different stages in the process flow are explained in detail in the following sections Stages in Credit Appraisal Management Origination Corporate credit appraisal process flow uses Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple ORACLE 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 stage 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 ORACLE 3 3 1 Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow pre Ftc Credit Froposal ritiationt 5 Applicaton Entry Is KYC recuirad gt cposal Ensichrrert capturing limit 30l eral deals Ya he sacs D c KYC veriicetonfor New ves Credit review anc Scoring customer Crecit Rating Fer cavifisaticn agendes gt cposal Structusing f For derticaten Remwtmencaian amp Review Fer derfizator Aporova Renocctistior BIP serve ter at Faci cererate facility Draft Facility documan gere
71. he screen Search for your workflow reference number and click the Workflow Ref No to open Credit appraisal review screen 289 ORACLE Step 8 Recommendation amp Review Task will be moved to Recommendation amp Review stage when the user has selected PROCEED as the outcome and save the task Nd Credit appraisal review El save lt i Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802J Application Category COVN_CAT Extemal Source Ref No Application Status CP Reviey p JIKYC Required J Credit Rating Required Default Liability Operation Existing Customer Liability 000000062 PIVEN Requested Collateral Pool Pricing Terms Exception Remarks Liability Details Liability Number 000000062 User Defined Status Liability Clean Risk Limit Liability Name 000000062 Revision Date Secondary Clean Risk a ee Limit ii an a A ey ay Secondary Pre Settlement Liability Branch 000 UnAdvised Risk Limit Liability Currency x GBP Netting Required Overall Limit 782 000 000 000 00 Utilized Amount 0 00 Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number 000006449 TEST123 000 000000062 Details Documents Customer Interations 360 Degree Borrower View Financial Analysis Liability Preference
72. hemes Alerts Limits Payments Is Deposits Is Financing Is Trade Is Treasury External Products Balance Sheet Asset And Liabilities ace 10f1 CUST_CORP_B5 Asset Currency Value Liability Currency pee CUST_CORP_B5 7 Current Account Overdra 0 00 Savings Accounts F Loans 0 00 Current Accounts E Mortgages 0 00 Term Deposits Leasing 0 00 Corporate Deposits 964655485641 Syndicated Loans 0 00 Islamic Savings Account ie MM Placements 0 00 Islamic Current Accounts 5 lt m Off Balance Sheet Asset And Liabilities Frozen 1 Of 1 5 z Eperanan F Asset Currency Value Liability Currency i eee m Non Utilized Limit 0 00 Letters of Credit N Commitment 0 00 Guarantees 5 Forward Buy Contracts 0 00 Islamic Letters of Credit E Forward Sale Contracts 0 00 Islamic Guarantees CORPORATE F Derivatives Buy 0 00 FX Forward Buy Contrac Derivatives Sale 0 00 FX Forward Sale Contrac hee 4 m J t For more details on capturing 360 Degree Corporate Customer View details refer the chapter titled 360 Degree Customer View in Core Entities user manual oe ORACLE 3 3 13 3 3 14 Viewing Customer MIS Details You can view the customer MIS details through the Customer MIS screen Click MIS button from Credit Appraisal Application Entry screen to invoke this screen S Wustomer MIS
73. iability Number Details al 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Audit Outcome mo Click Details in the KYC Decision screen to invoke Customer Details screen Saa ORACLE Customer Details KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 104 Internal Blacklist Result NOT FOUND Contract Verification good Remarks SDAF Other KYC Remarks fin WIKYC Passed o Name KYC Director Profile External KYC Remarks 10f1 2 10f1 It Internal Blacklist Check Contact Verification Remarks Other KYC Remarks KYC Passed 3 Vv Name NOT FOUND Good i v F FGFG In this screen you can view the complete information of the applicant The outcome of various stages of KYC sub process is displayed in the Audit block Based on these information you can inform the customer if you enter into a relationship with the prospect continue relationship in case of an existing relationship or not as part of the parent process Based on the decision select the outcome as FAILED or PASSED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the KYC Decision screen Click Exit button to exit the screen The task is then moved to the Main process Step 4 Initiate Credit Rating sub pro
74. ich the task needs to be initiated from the due date Days after due date Specify the number of days before which the task needs to be initiated from the revision date 2 ORACLE 7 1 7 2 7 Reports Introduction This chapter deals with the various BIP reports that are available for the Credit Appraisal Management origination process The reports that are available are e Horizontal Vertical Analysis Report e Benchmarks Report To generate any of these reports go to Task tab Under Origination menu choose Reports A list of reports in Origination module will be displayed You can choose to View or Print the report on clicking of the particular report The selection options that you specified while generating the report a printed at the beginning of every report Generating Horizontal or Vertical Analysis Reports You can compare the financial ratios with previous Quarter year using Horizontal or Vertical Analysis Report screen The system will allow you to select the customer no financial year Quarter Year and the type of the comparison like compare with previous quarter last year quarter and previous year You can invoke this screen by typing ORRFACTR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button gt Horizontal or Vertical Analysis Report Screen Customer Details Customer Number el Customer Name Customer Branch Indu
75. ied covenant is defaulted here based on the details maintained at Covenant Maintenance level Start Month Starting month of the specified covenant is defaulted here based on the details maintained at Covenant Maintenance level Remarks Remarks if any specified for the covenant at the Covenant Maintenance level are defaulted here Source Restrictions Restriction Type Select one of the following options of restriction type Default value of this field will be Disallowed If you select restriction type as allowed then you need to input at least one record e Allowed To maintain an allowed list of liability restrictions e Disallowed To maintain a disallowed list of liability restrictions Source Code Specify the source Code The adjoining option list displays all the source codes maintained in the system Select the appropriate one Source Description The system will display the description whenever you select contract source code Sharing Details Liability Number Specify the liability number of the liability that is sharing the collateral Each liability mapped here cannot be more than 100 of the total collateral value Share Specify the percentage share of the liability in the collateral ORACLE 3 3 17 Contract Reference Number You can link the Term Deposit Account Number or Contract Reference Number as collateral for a Liability by specifying the Contract Refere
76. ils 101 Eal Check List Mandatory Verified Comments m 7 asaasa You can enter the following details Check List The system will display the check list details Mandatory The system will default from Documents main screen Verified Check this box to indicate whether the documents are verified Comments Specify comments in any Viewing Customer Conversation Details You can view customer conversation details through the Customer Conversation screen Click Customer Interations button from Credit Appraisal Application Entry screen to invoke this screen Customer Conversation Reference Number CRPProcess16159 CustomerNo 00013392 1 Of 1 F Conversation Id Conversation Date Conversation Time Status Subject Description You can view the following details e Reference Number of ORACLE 3 3 12 e Customer No e Conversation Id e Conversation Date e Conversation Time e Status e Subject Description Viewing 360Degree Corporate Customer Details You can view the corporate customer details through the 360 Degree Corporate Customer View screen Click 360 Degree Borrower View button from Credit Appraisal Application Entry screen to invoke this screen provided the customer is corporate customer Customer View moe r 00013392 Short Name CUST_CORP_B5 Reporting Currency GBP FAT Full Name CUST_CORP_B5 s Loans Trade Treasury Events Sc
77. in Closing Credit Appraisal Management The different stages in closing credit appraisal management process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages 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 Facility closure Initiation e Facility closure enrichment e Facility Closure Review e Facility Closure Approval e Closure advice generation e DB Hand off e Hand off Retry e Advice to Customer 2 ORACLE 4 2 1 Closure of an Existing Facility You can close the existing facility select Operation as Closure The system will pull out the customer details facility details liability details from Oracle FLEXCUBE based on the selected liability no facility no While saving the closure of the facility system will invoke the ELCM services to validate the captured information to close the facility After the approval the system will invoke the ELCM services to hand off the close of facility and raise the error messages in case ELCM validation fails Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow Facility closure request r x Facility closure Initiation
78. information for the selected conversation id through Conversation Input screen To invoke this screen click View button in the Customer Conversation screen Coeversabes input Conversaton ID Converaston Status Close Last Changed On Customer ID 900000034 b Customer Name 900000034 Pronty Low Depanmert ACC a Omer Department o Target Closure Date D Usero Useri AssignedTo CAAIAINTAN os Coewersaton Mode NA ie Conwersation Category Custinteracton Verwe Branch i Conversaton Date 2013 04 29 f Convers ston Time Senior Management INA e Other Offices invotved Qa invotved Sumect for document ugtoad Octat yes s ao Orginat Request customer a Documents Presentes oc o Display Closure Remans No for Customer Closure Remas io Drect Access Channet Channel User iD 4 ORACLE 1 3 5 2 3 Viewing Customer Covenant Details You view the covenants which has been received or pending to receive from the customers through Customer Covenant screen To invoke this screen click Customer Covenants button in Receive Covenant Details screen X Customer Covenants Is Covenant Ref No 1 Of 1 Covenant Ref No Covenant Id Covenant Type CAM Application No Covenant Related To Customer No I You can view the following details Covenant Reference number Customer Number Covenant Id
79. ing criteria Authorization Status Select the authorization status of the contract from the drop down list Category Select the category from the option list Industry Select the industry from the option list Period Type Select the period type from the option list Record Status Select the record status from the drop down list Ratio Group Select the ratio group from the option list 25 ORACLE 2 6 Balance Sheet Size Select the balance sheet size from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status e Record Status e category e Ratio Group e Industry e Balance Sheet Size e Period Type Maintaining balance Sheet Size You can maintain the balance sheet size and the size of the balance sheet are classified based on the Amount range using Balance Sheet Maintenance screen You can invoke this screen by typing ORDBSZMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Balance sheet size Maintenance H save npon Sheet Size Description Se Currency az Balance Sheet Range From Amount To Amount Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Balan
80. intaining Document Details 0 00cccccecece ee tteee eee tnneeeeeetneeeeeetnaeeeenenae 5 5 Credit Appraisal Management Covenant Poller Process 6 1 6 1 Introduction c 220 ecdefeeeeecec cece enacde cee ela didives eaudacune sea dedevieeegduvsveeenedeesevenagddceeheeuuaeeeeess 6 1 6 2 Stages in Covenant Poller Credit Appraisal Management cceeeeeeeeeeeeeneeees 6 1 6 2 1 Process Flow Manal oeseri nt ana aate EE E S EE RE 6 1 REPOrtS an a E eee omc eee 7 1 Li WthOGU CUO Ms neei erg e a A T N nie ATER 7 1 7 2 Generating Horizontal or Vertical Analysis Reports cccceeeeeeeeeeeeneeeeeeeeneeeeees 7 1 7 3 Generating Benchmark Reports cccccecceeeeeeeneeeeeeseeneeeeeseeeaeeeeeseeeaaeeeeeeeaaeeees 7 3 Function ID Glossary iirrainn etp oe ee ee es 8 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
81. ions are e New e Existing Collateral Code Specify the code of the collateral for which you are maintaining details The adjoining option list displays all the collateral codes maintained in the system Select the appropriate one Default Click Default button to default the details related to collateral Collateral Description Specify detailed description of the collateral Collateral Branch Specify the collateral branch The adjoining option list displays all the collateral branches maintained in the system Select the appropriate one Collateral Currency Specify the collateral currency The adjoining option list displays all the collateral currencies maintained in the system Select the appropriate one Collateral value Specify the value of the collateral Details Click Details button to invoke Collateral Details screen enter the collateral related details pane Details Application Number CRPProcess16016 Liability Number 000017109 Collateral Code ESA Collateral Value 1 000 00 Market Value Based Collateral Description SDAD Utilized Amount Security Id pil Available Amount i EEE Nominal Value n Lendable Margin Price Code kl Collateral Currency GBP eat mente 6 Charge Type v Last Revaluation Price Collateral Exposure Type UnSecured Next Revaluation Date B Secured Start Date El Liquid Guarantee
82. ity Exception Breach Specify the Exception Breach Percentage During utilization transaction when utilization amount crosses the specified Exception Breach Percentage BEPL process is triggered for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified should be below the total effective line amount specified for that facility Interest Fee Required Commitment Fee Utilization fee Account Check this box to indicate whether the commitment fee or utilization fee account Fee Calculation Account Specify the account which is linked with the facility The same account will be applicable for interest calculation based on ELCM facility Fee calculation account is used for the fee calculation Utilization Available Amount Specify the available amount Date of First OD Specify the date of first OD Date of Last OD Specify the date of last OD Amount Utilized Today Specify the amount utilized for today Utilization Amount Specify the utilization amount Tanked Utilization Specify the tanked utilization Netting Contribution Specify the netting contribution Availability Available If the Line facility is available then this check box will be checked The Oracle FLEXCUBE ELCM system tracks the status of both the Contract and the Facility When the status of the Contract changes to PDO then the Facility will become unavailable The product processor will give an
83. k 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 Facility Closure Enrichment screen cia ORACLE Step 2 Facility Closure Enrichment Task will be moved to enrichment stage when the user has selected PROCEED as the outcome and save the task E Save i Hold Application Number CRPClosureProcess 1612 Channel Application Branch 000 Channel Reference No Application Priority Low x Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No j Application Status Edn Operation Close Customer Liability 000000082 CEN Facilty Detais Pool Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 10f1 Customer No Customer Name Local Branch Liability Number 004011317 KRISH_01 004 000000082 E 00013366 CUST_CORP_B10 000000082 E 00013369 CUST_CORP_B13 000000082 00013376 00013376 004 000000082 11111RM_3 00014463 TEST33 000 000000082 E 000000082 CUSTO3 000 000000082
84. le Amount Date of First OD Date of Last OD Amount Utilized Today Utilization Amount Liability Branch Liability Number Amount Limit Amount Collateral Contribution Transfer Amount Effective Line Amount Effective Line Basis UnCollected Amount Block Amount Approved Limit Amount Max Daily Limit Day Light Limit Exception Exception Transaction Amount Exception Breach Interest Fee Required Fee Calculation Account Availability Start Date Expiry Date Last New Utilization Date Lo W F Commitment fee Utilization fee account Gel lAvailable 2013 01 24 Tanked Utilization Netting Contribution Available Date Schedule Process Date You can enter the following details Application Number The system will display the application number Application Category The system will display the application category Liability Branch The system will display the liability branch Liability Number The system will display the liability number Facility Details Line Code Specify the Line Code to which the liability ID is to be associated with Allocating credit limits for the Line Liability combination can be done The customer s who fall under this Liability Code will in turn avail credit facilities under this Credit line Line Serial Each time a customer line code combination is specified Oracle FLEXCUBE ELCM system assigns a unique serial number to the combination This
85. low 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 xxx Acquire Successful on successful acquisition of the task Task will move to Proposal Structuring stage if you select ADDITIONAL_INFO as the outcome and save the task The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal Task will be moved to Recommendation and Review stage if you select REVIEW as the outcome and save 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 Customer Acceptance screen Step 10 Draft Facility Document Generation In this stage the system will automatically initiate the generation of draft facility documents It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 11 Customer Acceptance Task will be moved to acceptance stage when the user has selected ACCEPTED as the outcome and save the task ap ORACLE After the approval the sanctioned credit prop
86. lying collateral or delink the underlying collateral pool collateral and it can be used for another facility The delinking closure of collateral collateral pool will be handled in the closure enrichment stage The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal The finalized reviewed g authority for final approval After the approval the facility closure advice message will be generated and facility closure will be initiated in ELCM through the ELCM services For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Facility details to ELCM After successful hand off closure advice will be sent to customer Transfer Process Bank Customer initiates the transfer of unutilized facility to another facility of the same liability since the facility is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date The bank financial organization receive a facility transfer application from customer for transferring the existing facility 4 ORACLE 4 2 The facility transfer request application consists of customer details financial information facility details facility which needs to be transferred and the facility details to which the utilized amount to be transferred The requested a
87. margin Credit Limit X Operating cost Credit Limit X fee Credit Limit X Average expected Loss for a given credit rating Revenues Expected Loss Operating Cost 1 Tax rate Adjusted Income Capital at risk aka Economic Capital In this screen you can view the terms and condition details Credit appraisal proposal structure H save M Hold Application Number CRPProcess16080 El Application Branch 000 Application Date 2013 01 28 Application Category COVN_CAT Operation Existing Terms amp Condition Summary 10f1 gt Phi Go Facility Code OATFAC261 Customer Details Requested Collateral Poo Pricing Eiu Channel Channel Reference No Extemal Source External Source Ref No A Exception Remarks 2 Application Priority Kal Application Status VIKYC Required J Credit Rating Required Default Liability tow E User Reference Number OO0ELCM1302802JC CP Structuring Bj Customer Liability 000000062 Facility Hierarchy 10f1 E Terms Apply Documents Previous Remarks Remarks 3 58 Ovo nn ORACLE 7 4 Exception Tab In this screen you can view the facility exception details Credit appraisal proposal structure El save lt i Hold Application Number CRPProcess16080 Channel Application Branch 000 C
88. mer Name Specify the name of the customer Local Branch Select the local branch of an existing customer The adjoining option list displays all the local branches maintained in the system Select the appropriate one Liability Number Specify the liability for all parties other than primary applicant The adjoining option list displays all the liability numbers maintained in the system Select the appropriate one aM ORACLE 3 3 5 Capturing Customer Details Click on Details button to enter the details on existing customer in the Credit Appraisal Application Entry screen to invoke Customer Details screen However for an existing customer the system defaults all the customer details Customer Details You can enter the following details Customer Type Customer Type Corporate Full Name Individual Customer Name CUST_CORP_B4 Doms Local Branch FAT Application Number CRPProcess16158 UE Director Address For Correspondence Registration Address Name Same as Correspondence Address al Name Address Country HO Country Telephone canny Fax Number Incorporation Email Date Mobile Number Currency of Amounts Language Capital Communication Mode Email Net Worth Country Customer No Customer Category Business Description Relationship Manager RMID RM Name 00013391 Select the customer type of the customer from the following options provided in the drop dow
89. n list e Corporate e Individual e Bank Application Number The system will display the application number Full Name Specify the customer full name Customer Name The system will display the customer name Local Branch The system will display the local branch Customer No Specify the customer number of the customer Customer Category Specify the customer category The adjoining option list displays all the customer categories maintained in the system Select the appropriate one Main Tab ORACLE Address For Correspondence Name Specify the name of the customer Address Specify the address of the customer in four lines starting from Address Line 1 to Address Line 4 Country Specify the country associated with the address specified The adjoining option list displays all the countries maintained in the system Select the appropriate one Ho Country Specify the head office country associated with the address specified The adjoining option list displays all the HO countries maintained in the system Select the appropriate one Telephone Specify the telephone number of the customer Fax Number Specify the fax number of the customer Email Specify the Email of the customer Mobile Number Specify the mobile number of the customer Language Specify the primary language of the customer The adjoining option list displays all the languages maintained in the system Select the appropriate one
90. nce No here The adjoining list of options in this field displays all contract types other than Contract Type AC Contract Branch The system will display the contract branch whenever you select contract reference number Contract Contribution Specify here the amount being contributed from the contract as a collateral for the liability Pool Tab You can capture collateral pool related details of the corporate customer in Pool tab 4h Credit appraisal enrichment H Save i Hold Application Number CRPProcess16016 Channel Application Level 1 Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 Extemal Source User Reference Number 000ELCM13028021A Application Category FACT_CLOSU External Source Ref No Application Status GP Enrichment cs 2 IKYC Required a Operation New gt Credit Rating Required Customer Liability 000017109 Default Liability Liability Details Facility Hierarchy Customer Details Requested Collateral fia Remarks Pool Details 1 Of 1 W Type x Pool Code Default Pool Description Pool Currency y New 000 GBP fal Documents 4 Collateral Pool Linkage 10f1 Collateral Code Collateral Description Collateral Branch Collateral Currency Collateral Amount Linked Percent FE a Previous Remarks Remarks Outcome e You can enter the following det
91. nch 000 101 Ez 10f1 Commitment Product V Effective Date UserDefinedElementidx Effective Date azl Commitment Settlement Account ae v Ea PE EA Setllement Branch Commitment Reference Number W Wi Insurance Details El a Insurance Number Insurance Name x Insurance Owner Instrument Type Revision Date l a 2 Customer m Covenant Details 1 0f1 Covenant Name Covenant Description Revision Date Mandatory Notice Days Frequency a a mentiy Te You can enter the following details 290 ORACLE Application Number The system will display application number Application Category The system will display application category Liability Branch The system will display liability branch Liability Number The system will display liability number Collateral Branch The system will display collateral branch Collateral Code The system will display collateral code Commitment Details Commitment Branch The system will display the commitment branch Commitment Product Specify the product code for creating the commitment contract The adjoining option list displays all the product codes maintained in the system Select the appropriate one Commitment Settlement Account Specify the account number used in commitment contract for passing the accounting entrie
92. ncy Next Revision Date Recieve Covenant 2013013031121 2014 03 18 _ Next Revision Required Yearly Calculate 2015 07 01 CustInteraction Customer Covenants Documents Previous Remarks Remarks You can enter the following details CIF Tracking Required Check this box to indicate whether the CIF tracking required Next Revision Required Check this box to indicate whether the next revision required Frequency Select a frequency according to which the Convent has to collected revised from the drop down list and the available options are e Monthly e Quarterly e Half Yearly e Yearly Next Revision Date The system defaults next revision date whenever you click Calculate button However you can modify the same SA ORACLE 1 1 1 2 Viewing Customer Conversation You can view the conversations which have been recorded with the customer for receiving the covenants through Customer Conversation screen To invoke this screen click Cust Interaction button in Receive Covenant Details screen Customer Conversation Le Reference Number Customer No 10f1 E Conversation Id Conversation Date Conversation Time Status Subject Description You can view the following details e Conversation Id e Conversation Date e Conversation Time e Status e Subject Description Viewing Conversation Information You can view the conversation
93. ned in the system Select the appropriate one Document Upload Document Category Specify the document category for document upload The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Reference Specify the document reference number Document Type Specify the document type for upload The adjoining option list displays all the document types maintained in the system Select the appropriate one Remarks Specify remarks if any zs ORACLE 2 9 Ratio Upload Check this box if you require ratio upload Upload Click Upload Button to upload the document View Click View Button to view the uploaded document Viewing Document Upload Details You can view the document upload details using Document Upload Summary screen To invoke this screen type ORSEXLUP in the field at the top right corner of the Application tool bar and click the adjoining arrow button Document Upioad Summary E gt Search Ct Advanced Search 9 Reset 7 Clear All Case Sensitive Authorization Status Ee Record Status E Upload Reference Number fae Customer No ae Document Category nel 2 Records per page 15 10f1 Authorization Status Record Status Upload Reference Number Customer No Document Category You can click Search button to view all the pending functions However you can to filter your search based on any of the followi
94. ng criteria Authorization Status Select the authorization status of the contract from the drop down list Upload Reference Number Select the upload reference number from the option list Document Category Select the document category from the option list Record Status Select the record status from the drop down list Customer No Select the customer No from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status a8 ORACLE Record Status Upload Reference Number Customer No Document Category ORACLE 3 1 3 2 3 Credit Appraisal Management Origination Introduction The process of credit appraisal management origination gets initiated when a prospective customer approaches the bank for setting up a new facility or extend the facility limit to get new additional loans The proposal application will consist of customer details financial information and the requested credit limit details The credit proposal process will be initiated with capturing the customer basic details like customer name address corporate details financial information and facility details like no of facilities requested and corresponding credit limit The entire process is carried out in multiple stages and on successful completion of each
95. nked to a Collateral Facility Period Specify the period for which customer covenant to be done Grace Days Specify the Grace days past the next due revision date allowed for renewal of the covenant Notice Days Specify the number of days in the notice period The notice period will start this many days prior to the revision date of the covenant Frequency Select a frequency according to which the Convent has to collected revised from the drop down list and the available options are e Monthly e Quarterly e Half Yearly e Yearly Start Month If the Frequency select is Yearly Half Yearly Quarterly or Monthly then specify the start month here Remarks Specify the remarks about the covenant maintenance Start Date If the Frequency select is Monthly then specify the start date here ORACLE 3 3 15 Customer Signatory Details You can view the customer signatory details through the Customer Signatory Details screen Click Image button from Credit Appraisal Application Entry screen to invoke this screen Customer Signatory Details Application Number CRPProcess16159 Customer No 00013392 Branch FAT Short Name CUST_CORP_B5 10f1 F Signature ld Signature Title Signature fimage You can view the following details e Application Number e Branch e Customer No e Short Name e Signature Id e Signature Title e Signature Image Step 2 Credit Appraisal Enrichment The information c
96. nt 0 00 Liability Branch 000 a F UnAdvised Risk Limit Liability Currency GBP az F Netting Required Overall Limit 782 000 000 000 00 Utilized Amount 0 00 Customer Details 10f1 gt bl Go lH V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details a mw 000006449 TEST123 00 000000062 Documents Customer Interations 360 Degree Borrower View Liability Preference MIS AccountMIS UDF Customer Covenant Image Previous Remarks Remarks Audit bell edd PROCEED x L 3 3 16 Collateral Tab You can capture collateral related details of the corporate customer in Collateral tab gt Credit appraisal enrichment H save ih Hold Application Number CRPProcess16016 Application Branch 000 Application Date 2013 01 28 Application Category FACT_CLOSU Channel Channel Reference No Extemal Source External Source Ref No Application Level Application Priority Low User Reference Number 000ELCM1302802IA Application Status CP Enrichment Customer Liability x 000017109 Operation New iB Collateral Description Collateral Branch Collateral Currency x K 000 GBP BE Collateral Value Details Documents Collateral Preferences Previous Remarks Osos TE aaa ORACLE You can enter the following details Type Select the facility type from the drop down list and the available opt
97. ntion PROCEED Credit Review and Scoring Applicant financial sta tus and compute the credit score based on the credit score ques tionnaires are captured ORDLPRSR PROCEED Risk Evalua tion Capturing applicant risk analysis report and risk evaluation is measured by gathering the risk related questionnaires ORDLPRSV PROCEED ORACLE Stage Stage Title Description Function ID Exit point 7 Proposal Structuring the facility ORDLPSTR PROCEED ee ADDITON AL_INFO customer 8 Recommen Stage for capturing the ORDLPREV PROCEED J reviewers comments ADDITON AL_INFO 9 Approval Stage for approver to ORDLPAPR PROCEED approve the proposal ADDITON AL_INFO REVIEW 10 Draft Facil Stage for generating the ity docu draft version facility doc ment uments generation 11 Customer Stage for capturing the ORDLPACP NOT Acceptance customer acceptance ACCEPTED details ACCEPTED NEGOTIATE 12 Facility doc Stage for generating the ument Gen facility documents after eration the customer accept ance 13 DB Hand off Stage for Hand off the Limit details to ELCM system Manual Retry option will be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices Hand off ORDLPRTY PROCEED Retry 14 Customer Applicant additional ORDLPCAI account details of customer information account are captured
98. on list Financial Cycle Select the financial cycle from the option list Sheet Name Select the sheet name from the option list Application Category Select the application category from the option list Record Status Select the record status from the drop down list Customer No Select the customer No from the option list Financial Year Select the financial year from the option list Worksheet Name Select the work sheet name from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status e Record Status e Industry e Customer No oe ORACLE 2 4 e Financial Cycle e Financial Year e Sheet Name e Worksheet Name e Application Category Maintaining Benchmark Ratio You can maintain the benchmark details for criteria like category industry and balance sheet size through Ratio Benchmark maintenance screen The maintained benchmark values will be used to generate report for the customer financial status against the bank benchmark details You can invoke this screen by typing ORDRATBM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ratio Benchmark Maintenance Ratio Group Industry Balance Sheet Size Period Type 1 Of 1 Ratio Element
99. ons 360 Degree Borrower View Financial Analysis Liability Preference MIS Account MIS UDF Customer Covenant a Image Previous Remarks Remarks Audit Outcome Step 15 Customer Account Information In this stage you can capture the additional details of customer account like cheque book required restriction on accounts etc You can invoke Customer account information screen by typing ORDLPCATI in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ot ORACLE Customer account information H save 4 Hold Application Number Application Branch 000 Application Date 2013 01 28 eee i Operation E Liability Number Liability Name Main Liability No Liability Branch Liability Currency Overall Limit Utilized Amount Customer Details 4 10f1 gt Existing Customer Customer No Default Customer Name Local Branch KYC Required Credit Rating Required bility C UnAdvised Netting Required Application Priority Low I User Reference Number 000ELCM1302802JF Application Status CP initiation Customer Liability Facility Hierarchy Liability Clean Risk Limit Secondary Clean Risk Limit Secondary Pre Settlement Risk Limit Documents Customer Interations 360 Degree Borrower View Financial Analysis MIS AccountMIS UDF CustomerCovenant Image Account Previous Remarks 3 65 Outcome x
100. osal package will be sent to customer for acceptance The approver can send back to the reviewer for getting additional details which are essential for sanctioning the credit limit The customer can accept the sanctioned proposal or can renegotiate the sanctioned limit by providing additional details like new collaterals or evaluating the collaterals and propose to increase the limit A detailed renegotiation request from the customer will be documented and attached along with the task while sent for renegotiation The negotiated application will be re evaluated by the approver or reviewer and change the limits accordingly The finalized approved limit will be sent to customer for acceptance After customer acceptance the sanctioned liability facility and collaterals will be systematically handed over to ELCM by invoking the Liability facility and collateral creation modification services for new customer modification of the existing customer details the core STDCIF call will be invoked to create a customer modification of the existing customer in Core system For existing customer the liability will be linked through the ELCM services Customer acceptance H save 4 Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 External Source User Reference Number 0O0ELCM1302802J Application Category COVN_CAT Extemal Source Ref No Application St
101. ou can also invoke this screen by typing ORDLPCIN ORDLPCAP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Facility Closure Initiation H save dif Hold Application Number BPELCRPClosureProces gt Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 Extemal Source User Reference Number O00ELCL1302800US Application Category al External Source Ref No 7 Application Status Operation Close F New Application a Customer Liability al g View Facility Details Pool Terms Exception Stage Remarks Liability Details 3 2 Liability Number Liability Branch User Defined Status Liability Name a Liability Currency Revision Date Main Liability No Overall Limit Liability Category Utilized Amount Customer Details 10f1 A CustomerNo Customer Name LocalBranch Liability Number RMID RM Name Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome PROCEED You can enter the following details Application Number The system will display the application number Application Branch The system will display the application branch Application Date The system will display the application date Application Category Specify the application category The adjoining option list displays all the application categories maintain
102. ource Ref No El Application Status GP Initiation E Operation Y iiki td required Customer Liability ie P View Facility Hierarchy Customer Details Requested EGUES Remarks Documents Previous Remarks Remarks Outcome a You can capture any remarks details of the prospective customer in Remarks tab 3 24 ORACLE 3 3 10 Remarks Specify remarks if any associated with the applicant Maintaining Document Details You can maintain the customer related documents in credit appraisal management repository through the Documents screen Click Documents button from Credit Appraisal Application Entry screen to invoke this screen Documents Application Number CRPProcess 16158 Application Category CORPCAT o EE revon Checklist Document Details 1071 EE m Document Category Document Reference Document Type Mandatory Compute Upload 7 CORP_DOC KE Incorp Certif FEIA E F WORKING CAPI m Cash and Credit sale a3 F You can enter the following details Application Name The system will display the application name Application Category The system will display the application category Document Category Specify the category of the document to be uploaded The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Reference
103. pplication Branch 000 Channel Reference No ol Application Priority Low Bo Application Date 2013 01 28 External Source User Reference Number OOOELCL1302800UV Application Category COVN_CAT External Source Ref No Application Status Operation Close v Customer Liability 000000082 Facility Details Pool Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 10f1 E Customer No Customer Name Local Branch Liability Number RMID RM Name i V 004011317 KRISH_01 004 000000082 E 00013366 CUST_CORP_B10 FAT 000000082 E 00013369 CUST_CORP_B13 FAT 000000082 E 00013376 00013376 004 000000082 11141RM_3 Sweta E F 00014463 TEST33 000 000000082 E 000000082 CUSTO3 000 000000082 DEMORM DEMORM E 000000084 CUSTO9 000 000000082 X Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Outcomes 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 check box against your Workflow Ref No and click Acquire button at the top of the screen to acquir
104. pplication will be enriched with underlying collaterals collateral pools and sent the package for internal review external review For facility transfer the underlying collateral pool collateral will not be closed It will be attached to the same facility The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal The finalized reviewed application will be sent along with review writing to senior management Approving authority for final approval For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Facility details to ELCM After successful hand off closure advice will be sent to customer The following are the state of collateral collateral pool while closing facility Collaterals Collateral pool Facility In case of collateral Clo In case the collateral In case of facility clo sure the system will pool closure the system sure facilities which are close the collaterals will close the collateral available will get closed ELCM In case the col pools ELCM If the col lateral is delinked the lateral pool is delinked system will not close and the system will not close it will be delinked auto the facility and it will be matically as part of the delinked automatically closure of collateral pool as part of the closure of facility Stages
105. quired This check box will be unchecked by default indicating that netting is not required for the facility You can check this box to enable netting for the facility UnAdvised Check this box to indicate that the facility is unadvised Fund Indicate whether the line is fund based or non fund based Shadow Limit Select this check box to indicate that utilization amounts should be updated only for the facility and mainlines for the facility Thus when a utilization request is processed the system updates the utilization amount only at the facility level and leaves the utilization amount at the liability level untouched Bulk Payment Required Check this box to indicate if bulk payment is required If you specify here that bulk payment is required for the liner then the same is maintained at the Bulk Payments screen For more information about the Bulk Payments screen please refer to the section Making Bulk Payments against loan or commitment under the Chapter Operations of the Retail Lending user manual oe ORACLE Exception Exception Transaction Amount Specify the Exception Txn Amount During utilization transaction when utilization amount crosses the specified Exception Txn Amount BEPL process is triggered for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified should be below the total effective line amount specified for that facil
106. r limits the system automatically updates the limit amount here on the dates specified for each limit in the schedule Collateral Contribution The collateral amount which has been maintained will be displayed when a collateral code has been picked Transfer Amount System displays the transfer amount resulting from Facilities Amount Transfer transactions The value displayed has either the sign or indicating whether the amount is transferred from or to the line If the sign is then the amount is transferred from the line and if it is then the amount is transferred to the line Effective Line Amount Specify the effective line amount for the facility If you have maintained schedules for limits the system automatically updates the limit amount here on the dates specified for each limit in the schedule Effective Line Basis For defining drawing power of line the elements mentioned below are treated as the basis for the effective line amount calculation e Line Amount Collateral e Line Amount e Minimum of Line Amount and Collateral Uncollected Amount Specify the uncollected amount Block Amount Specify the block amount Approved Limit Amount This is the maximum limit amount allowed for the facility and must be specified whenever you maintain schedule limits System ensures that neither the Limit Amount maintained here nor 20 ORACLE the schedule Limit Amount maintained as part of the limits
107. rator pace LA a Customs accourt rforration Successful otghton The various tasks carried out in these stages will be explained in detail in the subsequent sections 3 3 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 ORACLE Stage Stage Title Description Function ID Exit point Application entry The following details are captured as part of this stage Basic details of the cus tomer information Proposal details ORDLPAPP ORDLPAP 1 PROCEED Credit appraisal enrichment The following applicant additional details are captured Collateral details Proposed credit limit The enriched proposal will be sent for review and final approval ORDLPENR PROCEED REJECT Initiate KYC Approval sub process Initiating the KYC approval process The system initiates the existing KYC sub pro cess for performing the KYC for that customer It is an auto stage the system invokes the ser vice without any Human intervention PROCEED Initiate Credit Rat ing sub pro cess Starting Point for initiat ing the Credit rating pro cess The system automatically initiates the existing Credit rating sub process to perform the Credit rating pro cess It is an auto stage the system invokes the ser vice without any Human interve
108. re displayed as part of the data entry stage The end user will upload the received document from the customer 2 Covenants Stage for the reviewer to ORDCVVER Verified Verification verify the covenants and os Additional track the document for info closure 3 Covenant Stage for follow up the ORDCVFUP Received Follow up covenants from the cus Additional tomer info Step 1 Receive Covenant Details In this stage the bank receives an application covenant details which will be tracked in the process Facility will be provided to view the interaction which has been carried out with the customers and list of covenants which are pending received from the customer ORACLE During the BOD activity system will initiate the task in the covenant process which are due or overdue for collect the documents sal asin Covenant Details Save dil Hold Process RefNo Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name Revision Related To Credit Appraisal Reference No Track Customer Collateral Code Description Liability No Description Transaction Branch Code 002 CVN14040211 000 2014 03 18 327 IDCARD Collateral i CIF Tracking Required COLT00111 00008287 00008287 Priority Approval Status User Reference Number Facility Line Facility Serial Description Customer No Customer Name Covenant Due Date Freque
109. retry stage The retry counter will be incremented accordingly For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Liability details to ELCM You can invoke Manual Credit appraisal screen by typing ORDLPRTY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button pa ORACLE 4h Manual Credit Appraisal ETA H Save fh Hold Application Number el Channel at Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category Extemal Source Ref No 2 Application Status CP Retry iy i ma CIKYC Required Operation z Eleredit Rating Required Customer Liability P Default Liability Cie eer Requested Collateral Pool Pricing Terms Exception Remarks Liability Details Liability Number User Defined Status laz Liability Clean Risk Limit Liability Name El Revision Date Secondary Clean Risk A aaie Limit Main Liability No bal Liability Category BE Secondary Pre S Liability Branch bel _lunAdvised Risk Limit Liability Currency fal _ Netting Required Le Overall Limit Utilized Amount Customer Details 101 Go E Existing Customer Customer No Default Customer Name Local Branch Liability Number Details e Documents Customer Interati
110. ria are displayed For each record fetched by the system based on your query criteria the following details are displayed Authorization Status Record Status Balance Sheet Size Description Currency From Amount To Amount 2 7 ORACLE 2 8 Maintaining Document Upload You can upload the workflow supportive documents using Document Upload Maintenance screen You can invoke this screen by typing ORDEXLUP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ean Upload Maintenance H Save 4i Hold Customer No ae Upload Reference Number 000D0CS13028002Z Customer Name Document Category az Document Upload 10f1 l T Document Category Document Reference Document Type Remarks Ratio Up 7 al P P A Date Time Date Time Record Status Authorization Status You can enter the following in this screen Customer No Specify the customer number whose document needs to be uploaded The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Customer Name The system displays the customer name whenever you select Customer No Upload Reference Number The system will display the upload reference number Document Category Specify the document category for upload The adjoining option list displays all the document categories maintai
111. rights double click on the task in your Assigned task list and invoke the following screen verify Customer Contact Details H Save qi Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Ea Application Date 2013 01 28 Extemal Source User Reference Number QOOELCM1302802J Application Category COVN_CAT External Source Ref No Application Status CP Enrichment E Lz s VIKYC Required ee 7 Operation Existing v Credit Rating Required Customer Liability 000000062 Facility Hierarchy Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number E 000006449 EN TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome a Click Details in the Verify Customer Contract Details screen to invoke Customer Details screen Customer Details Bank Local Branch 103 a Application Number CRPProcess7240 Main Director LAfeisToeTS 3 KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 10f4 NOT FOUND Internal Blacklist Result _ iano Value 7 Contract Verification good p Remarks W SDAF A m J gt KYC Director Profile External KYC Remarks M4 4084 A 1011 HEE Director Name SDN Result Internal BlacklistCheck Contact Verification Remarks Name Value 3 NO MATCH NOT FOUND E
112. rporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 lt YC Corporate Profile SDN Result NO MATCH Internal Blacklist Result NOT FOUND KYC Director Profile 10f1 E V Director Name SDN Result Internal Blacklist Check a 7 DAVID D NO MATCH NOT FOUND In this screen you can view the applicant s details If the applicant s name is listed in the bank s internal list of global blacklisted customers you can report it to the internal authorities of the bank You can continue with the process of creating account only when the customer passes these checks Select the outcome as PASSED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Internal Blacklist Checks screen Click Exit button to exit the screen The task is then moved to the next activity Verify Customer Contact Details Users belonging to the user role KYCEROLE KYC Executive can perform these activities a8 ORACLE Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Internal Blacklist Check task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite
113. s The adjoining option list displays all the account numbers maintained in the system Select the appropriate one Settlement Branch Specify the commitment settlement branch code used in commitment contract for passing the accounting entries Commitment Reference Number Specify the Commitment reference number User Data Elements details Effective Date Specify the effective date to define user data element User Defined Element Id Specify the user defined element Id The adjoining option list displays all the element Ids maintained in the system Select the appropriate one UDE Value Specify the UDE values Rate Code Specify the rate code The adjoining option list displays all the rate codes maintained in the system Select the appropriate one Code usage Select the code usage pattern from the adjoining drop down list and the available options are oat ORACLE e Period e Automatic HairCut Effective Date Specify the date on which the Haircut percentage will become effective Haircut Specify the Hair cut percentage of the Collateral You can enter values between 1 to 100 Insurance Details Insurance Number Specify the insurance number under which that insurance has been issued Insurance Name Specify the name of the Insurance Insurance Company associated with the collateral Insurance Owner Select the owner of the insurance policy from the adjoining drop down list and the available options are
114. stage it moves automatically to the next stage Credit Appraisal Management Creation Process The Oracle FLEXCUBE provides the following features for Corporate customers e Apply for a new facility e Amendment on existing facility e Closure of facility e Transfer of facility e Financial ratio Benchmark comparison reports for a specific period quarter e Facility to change the financial elements and re compute the financial ratios e Facility to upload the financial documents Corporate credit appraisal process flow uses Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages S No Process Process Description Functionality Name Type 1 CRPPro BPMN BPMN pro New Customers cess cess for han f i Creation of new facility dling the Credit pro Existing Customers posal Creation of new facility Amendment of exist ing facility Amendment of exist ing facility with new collaterals collateral pool I ORACLE S No Process Process Description Functionality Name Type 2 BPELCRP BPEL BPEL pro New Customers Process cess for han re Creation of new facility dling the Credit pro Existing Customers posal Creation of new facility approval Amendment of exist ing facility Amendment of exist ing facility with new collaterals collateral pool 3 CRPClo BPMN BPMN pro
115. stomer Branch 000 Application Category COVN_CAT Customer No 000006449 Customer Type Corporate Customer Name TEST123 Model Server Details Credit Agency Risk Details 1 Of 1 Riskid Description Score 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 check box 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 xxx 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 Credit appraisal risk evaluation screen Step 6 Risk Evaluation After performing credit rating process the system will take you to the credit review and scoring stage The actual takes will be available in the proposal structuring stage only when the following stages are completed successfully In case any one of the stage is not completed the task will not be available in the proposal structuring stage
116. stry a Report Details Report Type Quarterly x Compare With v Year Report Generation Type Data Type Quarter x Report Format PDF 7 Printer At Client 7 Report Output Print x Printer faz You can enter the following in this screen Customer Details Customer Number Specify the customer number whose financial ration needs to be compared The adjoining option list displays all the accounts maintained in the system Select the appropriate one Customer Name The system will display the customer name whenever you select customer number fl ORACLE Customer Branch The system will display the customer branch whenever you select customer number Industry The system will display the customer industry whenever you select customer number Report Details Report Type Specify the type of the report from the drop down list and the available options are e Quarterly e Yearly Year Specify the financial year which is taken for the report generation The adjoining option list displays all the years maintained in the system Select the appropriate one Quarter Specify the quarter which is taken for the report generation from the drop down list and the available options are e Quarter1 e Quarter2 e Quarter3 e Quarter4 e All Compare With Select the option with which report can be compared from the drop down list and the available options are e Previous Quarter e Next Quarter e Last Year Qu
117. system Select the appropriate one Liability Id The system will display the liability Id Whenever you select liability No Liability Name The system will display the liability name Whenever you select liability No Facility Code Specify the facility code The adjoining option list displays all the facility codes maintained in the system Select the appropriate one a8 ORACLE 3 3 9 Facility Name The system will display the facility name Whenever you select facility code Facility Id The system will display the facility Id Whenever you select facility code Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e Print e View e Spool Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Remarks Tab Credit Appraisal Application Entry EXsave fj Hold Application Number CRPProcess16158 el Channel bal Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 Extemal Source fae User Reference Number QO0ELCM1302802Kt Application Category P External S
118. t Upload 0 0 0 0 eee eeeeene eee eeeaaeeeeeeeaaeeeeeeeaaeeeseeeaeeeeeeeeaaes 2 8 2 9 Viewing Document Upload Details 200 000 cece eeeenneeeeeeeenaeeeeeeeaeeeeeeenaeeeeenenaaes 2 9 3 Credit Appraisal Management Origination cccccccceseeseeeeeeeeeeeeeeeeeees 3 1 Sel UNtFOGUCHON SJ ists nthe Beetles ed a teeth epee ane hauled ce 3 1 3 2 Credit Appraisal Management Creation Process cccecceeeeeeeeeeeeeeeeeesennaees 3 1 3 3 Stages in Credit Appraisal Management Origination cceeeeeeeeeeeeneeeeeteeneeeees 3 3 33 1 Process FIOW DiQ Qraim srr iiair Ea r OAA O 3 5 3372 POSS MATK olrre O r e E O 3 5 3 3 3 Viewing Liability Details SUMMALY cccccctc cette ee teeetee tee teeeeeeeeteeaaeeees 3 10 3 3 4 Customer Details TaD eiiereiiierireriiirinetii en i riir arii EnS EAEE E EE EAE 3 11 3 3 5 Capturing Customer Detallls nssirireneraaianiiieii rrari iiai iier 3 12 3 3 6 Facility Hierarchy or Liability Detail R PpOfrt cccccceeeeteeetteeeeteeeneeeees 3 15 33 7 REQUESTED Ta a aa tao asl hee ies 3 17 3 3 8 Maintaining Facility Details 000 0 cccccccceceee cette tne ee eee tnnneeeeeesaeeeeeeetnaeeeeeenes 3 18 S39 Remarks TaD rcerhiinoreiiciriai ent annenin ASEARA E a REAR Weed Vitel ees 3 24 3 3 10 Maintaining Document Details 1s 11s11ssr1nennnsriinnnnnnnnnnrnnnnnernnnnnnnnnnnnnnnna 3 25 3 3 11 Viewing Customer Conversation Details 0 ccccccceceeseeeeeeenteeeeeeennaeeees 3 27 3 3 12 Viewing
119. t to carry out from the drop down list and the available options are e New e Existing Channel Specify the channel The adjoining option list displays all the channels maintained in the system Select the appropriate one Channel Reference No Specify the channel reference number External Source Specify the external source The adjoining option list displays all the external sources maintained in the system Select the appropriate one 39 ORACLE 3 3 3 External Source Ref No Specify the external source reference number Application Priority Select the priority of the application from the drop down list and the available options are e Medium e Low e High User Reference Number Specify the user reference number Application Status The system displays the application status and possible options are e CP Initiation e CP Enrichment e CP Scoring e CP Risk e CP Structuring e CP Review e CP Approval e Customer Acceptance e CP Retry Customer Liability Specify the customer liability The adjoining option list displays all the customer liabilities maintained in the system Select the appropriate one KYC Check Check this box to indicate whether KYC check is required Risk Rating Check this box to indicate whether risk rating is required Viewing Liability Details Summary Click View button in the Credit Appraisal Application Entry screen to invoke Liability Details Summary scre
120. tage the bank receives an application covenant details which will be tracked in the process Facility will be provided to view the interaction which has been carried out with the customers and list of covenants which are pending received from the customer To capture the no of days before the covenant task needs to be created from the due date revision date You can key in the covenant details required in Covenant Process Initiation Maintenance screen You can also invoke this screen by typing ORDCTRMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Covenant process Initiation Maintenance fl Save Covenant Name laa Covenant Description Initiation of Covenant Tracking Process Covenant Tracking Required No of days before Due date Days After due date Date Time Date Time Record Status Authorization Status You can enter the following details Covenant Name Specify the name of the covenant to which the task initiation parameter is maintained The adjoining option list displays all the covenant names maintained in the system Select the appropriate one Covenant Description The system will display the description However you can modify it Initiation of Covenant Tracking Process Covenant Tracking Required Check this box to indicate whether the covenant tracking is required No of days before Due date Specify the number of days before wh
121. the address specified The adjoining option list displays all the HO countries maintained in the system Select the appropriate one Permanent US Resident status Check this box to indicate that the corresponding director is a permanent US resident Shareholding Specify the percentage of share for the key person Facility Hierarchy or Liability Detail Report Click Facility Hierarchy button in the Credit Appraisal Application Entry screen to invoke Facility Hierarchy or Liability Details Report screen a ORACLE Facility Hierarchy or Liability Detail Report Screen Liability No az Liability Id Liability Name Liability Branch Report for Liability Details Facility Hierarchical Report Format PDF Printer At Client e Report Output Print Printer Bz You can enter the following details Liability No Specify the liability number The adjoining option list displays all the liability numbers maintained in the system Select the appropriate one Liability Name The system will display the liability name Whenever you select liability No Liability Id The system will display the liability Id Whenever you select liability No Liability Branch The system will display the liability branch Whenever you select liability No Report for Select one of the following options for which report is to be generated e Liability Branch e Facility Hierarchical Report Format Select the format
122. tion The bank financial organization receive a credit proposal application from client customer for covenant process 5 2 Stages in Covenant Tracking Process The different stages in covenant tracking process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages 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 Receive covenants e Covenants Verification e Follow up 5 2 1 Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow I nitiate a Covenant Task which are due due for revision Receive covenant details Verify or follow up Additional info required Additional info required Covenant followup Covenant verification Verify sl ORACLE 5 2 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 1 Receive Stage to receive the ORDCVREC Received covenants covenants from the cus Follow up tomers Covenant related informations a
123. to be paid Remarks Specify the remarks about the insurance details Coverage Specify the coverage details of the insurance Covenant Details Covenant Name Select the covenant name from the list available here The list displays the covenant names maintained in Covenant Maintenance screen Based on the covenant selected all other details of the covenant maintenance will be brought here Covenant Description Description of the specified covenant is displayed here based on the details maintained at Covenant Maintenance level Revision Date System defaults the Revision Date for the covenant on save of the collateral category record based on the Frequency and Due Date of the covenant maintained in the Covenant Maintenance screen Mandatory Mandatory Non mandatory details will be shown on choosing a covenant name You may change this Grace Days You can change the Grace Days details which are displayed here on choosing a covenant name Sraa ORACLE Notice Days Once you select the covenant name system defaults the Notice Days details i e the number of days prior to next revision date of the covenant You can modify the value The period during the notice days will be the notice period Frequency Select the premium periodicity of the insurance from the drop down list and available options are e Weekly e Monthly e Daily e Quarterly e Half yearly e Yearly Due Date On Due date of the specif
124. to exit the screen The task is then moved to the next activity Internal Blacklist Check Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Internal Blacklist Check task to acquire it The system displays the information message as xxx Acquire Successful 348 ORACLE 3 6 If you have requisite rights double click on the task in your Assigned task list and invoke the following screen intemal Blacklist Checks H Save gy Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low gt Application Date 2013 01 28 Extemal Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT Extemal Source Ref No Application Status KYC Required e JiCredit Rating Required Customer Liability 000000062 Default Liability CP Enrichment E Operation Existing Facility Hierarchy Customer Details 10f1 HE Existing Customer Customer No Default Customer Name Local Branch Liability Number E 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome M E Click Details in the Internal Blacklist Checks screen to invoke Customer Details screen Customer Details x Customer Type Co
125. vious 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 check box 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 xxx 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 Verify Prospect or Customer Details screen Step 3 Initiate KYC Approval sub process For new facility creation modification on facility Bank will initiate a process for KYC verification for the customer It includes the internal external verification blacklisting of customer and arrange for credit scoring through internal external agencies KYC is not applicable for existing customers Option will be provided to skip the KYC verification for existin
126. xx 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 Credit appraisal proposal structure screen Step 7 Proposal Structuring 7 1 Task will remain in the credit appraisal risk evaluation stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit appraisal proposal structure task to acquire it The system displays the information message as xxx Acquire Successful Pricing Tab If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Nd Credit appraisal proposal structure iu H save f Hold Application Number CRPProcess16080 i Channel Application Branch 000 Channel Reference No Application Priority Low X Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT External Source Ref No 2 Application Status CP Structuring i caina KYC Required a Operation Existing 7iCredit Rating
127. y No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 1 0f1 FS E Customer No Customer Name Local Branch Liability Number RMID RM Name Ee V 004011317 KRISH_01 004 000000082 E 00043366 CUST_CORP_B10 FAT 000000082 s F 00013369 CUST_CORP_B13 FAT 000000082 1 E 00013376 00013376 004 000000082 11111RM_3 Sweta E 00014463 TEST33 000 000000082 E 000000082 CUST03 000 000000082 DEMORM DEMORM E 000000084 CUSTO9 000 000000082 X Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Outcome After the approval the approved closure application will be sent to customer for acceptance The approver can send back to the reviewer for getting additional details which are essential for the closure of the facility Here the customer can accept the request or renegotiate with the approver The negotiated application will be re evaluated by the approver or reviewer and finalize the changes The finalized approved application will be sent to customer for acceptance 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 check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task
128. you select NEGOTIATE as the outcome and save the task Task will be moved to termination stage if you select NOT ACCEPTED as outcome and save the task Once the task is moved to termination activity it will not be available for further activities a2 ORACLE 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 go to next stage Step 12 Facility Document Generation In this stage the system will automatically initiate the generation of facility documents It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 13 DB Hand off In this stage the system will automatically invoke the DB adaptor call to hand off the Facility details to ELCM The successful completion of the Facility creation process For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage Step 14 Hand off Retry The system will invoke the DB adaptor call to hand off the Facility details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off
129. you select collateral code Collateral Currency The system will display the collateral currency whenever you select collateral code Collateral Amount The system will display the collateral amount whenever you select collateral code Linked Percent The part of the collateral amount which has to be linked to the pool can be specified as a percentage here On save of the record if Linked Percent Number is specified system defaults the Linked Amount calculated as Linked Percent Number Percentage of Collateral Contribution Linked Amount When a collateral pool comprising the collateral is linked to the facility the system computes and displays the amount to be linked The linked amount of Collateral pool is computed based on the pool percentage or pool amount specified when a collateral pool is linked to a Facility Linked Amount in Pool Currency The system will display the linked amount in pool currency Order Number Specify the order number 42 ORACLE Spread The system will display the spread Rate of Interest The system will display the rate of interest Expiry Date The system will display the expiry date The details related to the corporate customer application entry are displayed in this screen If the application details are verified successfully then you can proceed with the processing of the application by selecting PROCEED as the Outcome You can select REJECT to return the process to pre

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