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Ijarah Creation User Manual

1. Islamic ijarah Loan Application Entry X EA save h Hold Application Category IJAC1 FE Leadid Application Number IslamicljarahAccount40 gt Product Code IJF3 Enquiry ID a3 User Reference 000IJF3110040005 Description ljara Financial with ass 0 Default Application Priority Low Application Branch 000 Application Status Application Entry Application Date 2011 01 04 Applicant Details Type Primary Local Branch 000 Customer No 00006648 Customer Name GS Main Details Financial Requested Limit Collateral Comments Liability Details Line Details Pool Details Liability No 00006648 3 Line Code Pool Code Gal Liability Name 00006648 ir Line Serial 4 Pool Description Main Liability No Gs Main Line Code asl Pool Currency GBP Ga Liability Branch 000 az Line Branch 000 Pool Amount Liability Currency GBP a5 Line Currency GBP 25 Pool Utilized Overall Limit Limit Amount Default Collateral Amount Effective Line Amount Limit Collateral Basis Effective Line Amount Documents Multiple Asset CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit You can specify the following details here Liability Details Liability Number Specify the Liability Number If the Liability Number is customer group then all customers under this group should have same Liability Number Liability Name Specify the Liability Name her
2. Fe E lel Here you need to specify the following details Document Category Specify the category of the document to be uploaded Document Reference The system generates and displays a unique identifier for the document Document Type Specify the type of document that is to be uploaded 206 ORACLE Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below Document Upload Document Path Browse 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 In ljaraha Lending process Document Upload feature is not available in all the stages Its availability in this process is given below Doc Upload Availab View Availabl Stage Title Function Id Callform le Not e Not Exists Available Available Application ORDIJAAE Available Available Available Entry Application Veri ORDIJAAV Available Available Available fication Application Man ORDIJAMV Available Available Available agement Verifi cation Internal Black ORDIJAKI Available Available Available list Check External Black ORDIJAKE Available Available Avail
3. Name Specify the name of the evaluator here Value Specify the evaluated value of the equipment Date Specify the date of evaluation 2 16 25 Property Asset Click Property Asset button Ijarah Application Entry screen to invoke Property Asset screen Multiple Asset Application Number IslamicljarahAccount6255 E Vehicle Property Project Goods Build Materials Service Ijarah Equipment 10f 1 Asset Status Active j Asset Sequence Number 1 LBL_PROPERTY_DET New Property Type 5 Date of Completion Property Type Title Deed Number Description Registration On Name Of Building Name Reg Builder Name Registration Date Project Name Title Deed Issue Date Wing Name Title Deed Issue From DistrictArea Villa Apartment Number Area In Other Country Building compound Name Plot Number Street Name Lot Number Post Box Number Property Status Emirate Property Area Area In Emirate Property Usage City Property Area In Country Mortgage Degree Amount Details Insurance Details Currency Insurance Company Requested Amount Insurance Paid By Hamish Jiddayah Amount Premium Amount Valuation Insurance Name Insurance Value Expiry Date Asset Finance Amount Property Management Vendor Details lt m Here you can capture the following details Account Number The account number is defaulted from the Account Details Main screen Asset Sequence Number The system
4. Acquire button adjoining the desired task The following screen will be displayed The task will be moved to the Assigned task list Select the checkbox against your Workflow Ref No and click Acquire button Go to the Acquired task list and double click on the record to invoke the following screen islamic Ijarah internal KYC Check X H save i Hold Application Category Leadid Application Number a Product Code Enquiry ID User Reference p Description Application Priority Low Application Branch 000 Application Status Application Enty Application Date 2011 01 04 Main Details Financial Requested Limit Collateral Comments Channel KYC Required External Credit Check E Required Intermediary Group Auto Decision Required a Applicant Details 10f1 Type Existing Local Branch CustomerNo Default Short Name Customer Name National ld Responsibility Liability gt RMID RM Name Country FirstName Power of Attorney Nationality Middle Name Power of Attorney Language Lastname Holder Name z SSN Salutation Mr ie Customer Category Gender Male j Financial Currency Birth Place Country Group Code Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code m Sa Mothers Maiden Name Telephone Number ork Phone ISD gt SS arene Marital Status Married bd Account Details Mobile ISD Code DEpenioris Account
5. Application Category Specify the category to which the finance application belongs or select the application category from the option list provided Stage Select the stage of the finance origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Finance Approval etc Stage Title Specify a suitable description for the finance origination stage Document Details Document Category Specify the category to which the document belongs or select the document category from the option list provided Document Type Specify the type of the document or select the document type from the option list provided Mandatory Select the option to indicate whether the document is mandatory or not You can select any of the following options from the drop down list provided e Mandatory e Overridden e Others 220 ORACLE 2 11 1 2 12 BI Advices Report Name Specify the name of the advice report to be generated on completion of the process stage Template Specify the template to be used to generate the advice report Format Select the format in which the advice report needs to be generated from the drop down list provided The following options are available e PDF e RTF Locale Select the locale information to be used for generating the advices from the drop down list The following options are available e en US Process Flow BPEL Report
6. Based on the details maintained on this screen you can generate a report from any stage of the process flow To generate this report from a particular stage you need to click the Document tab at that stage Under the frame Advices you have the option to generate this report You can generate the report only if you maintain ORRPICAL_en_US rtf as the template You can generate this report in PDF or RTF formats Contents of the Report This report contains the following details of the finance account Field Description Financing Application Number The application number of the finance Approved Financing Amount The amount approved for the finance Tenor In Months Tenor in terms of months Applied On The date of application of the finance Profit Rate The rate of profit applicable on the finance Viewing Document Checklist Summary You can view a summary of the document checklists and advices in Document Details screen You can also query for a particular record based on desired search criteria 2a ORACLE 2 13 You can invoke this screen by typing ORSDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Documents Details Authorization Status Record Status Process Code a Application Category Records per page 15 v O O81 Authorization Status Record Status Process Code Application Category You c
7. IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report Id FirstName Report Date MiddleName Unique Id Last Name On File Date Birth Date 0 Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Trade Lines 10f1 gt bi Creditors Name Status Type TypeCode PastDueAmt Balance BalanceDate OpenDate HistoryDate History Data 30 60 90 Cre aag ORACLE Public Records Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report Id First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date O Best Match summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Public Records I 10f1 gt bi RecordType Status Amount FiledDate Satisfied Date Collections Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report Id First Name Report Date MiddleName Unique Id Last Name On File Date E Birth Date Best Match summary 1 Summary 2 Tra
8. Asset Sequence Number 1 Equipment Details Amount Details Owner Currency Description Hamish Jiddayah Amount Engine Number Asset Finance Amount Equipment Location Vendor Details Street Area Code Vendor Code City Code Vendor Name Country LBL_SALE_DET Sell Date Invoice Number Invoice Date Equipment Evaluation Details 1 OF 1 E3 E Evaluation Name Evaluation Value Evaluation Date D Here you can capture the following details Account Number The account number is defaulted from the Account Details Main screen Asset Sequence Number The system generates a sequence number for the asset and displays it here Status The status of the asset is displayed here The statuses available are Active and Settled During account initiation the status will be Active Once the prepayment of the asset begins the asset will be completely settled Then the status will change to Settled An asset can only be completely settled No partial payment is allowed Specifying Equipment Details Engine Number Specify the engine number of the equipment here Equipment Location Specify the location where the equipment is Street Specify the name of the street where the equipment is 208 ORACLE 2 16 22 2 16 23 Area Select the area where the equipment is from the option list The different areas that you have maintained using the Limits Type Maintenance screen will be listed h
9. Product Code 1379 Enquiry ID User Reference 000IJF3110040006 Description Ijarah Al Application Priority Low Application Branch 000 Application Status Underwriting Application Date 2011 01 04 Main Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing Component Charge Investigation Comments Asset Details Comments 10f4 E SerialNo Comments CommentBy Comment Date a Documents MultipleAsset KYC Review CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Previous Remarks Remarks Audit Outcome You can capture the following details ane ORACLE Comments Specify comments if any to be associated with the finance application Comment By The system defaults the name of the commenter Comment Date Specify the date on which the comment was given or select the date by clicking the Calendar icon If the underwriting stage is successfully completed the underwriter can proceed with the processing of the application by selecting PROCEED as the Outcome The underwriter can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to t
10. Specify the Loan Schedule Frequency Unit Basis Stages in jarah Finance Origination The different stages in jarah process flow are designed using Oracle BPEL framework The process of finance origination consists of several manual as well as system tasks carried out da9 ORACLE in a sequential manner Many users can be involved in the completion of a transaction and at each stage of the process a user or a group of users assigned with a task acquire and work on the relevant transaction Oracle Business rules that are embedded help the dynamic creation of multiple approval stages The different stages and sub stages in the flow can be summarized as follows Application Entry the following details are captured in this stage Applicant Information Application details Requested Finance Details Collateral Details Checklist Documents Advice Generation Application Verification Information captured during Application Entry stage is verified Advice Generation Application Management Verification Information captured in the application verification stage is verified for the second time Internal Blacklist Check Information against Internal blacklist of customers is verified KYC Review External Blacklist Check Information against external blacklist of customers is verified KYC Review Underwriting Collateral Valuation Information Applicant F
11. Specify the contact number of the prospective customer Contact Name Specify the name of a contact person at the customer s office Contact Phone Specify the contact phone number of the customer s contact person Contact Extn Specify the telephone extension number if any associated with contact person Comments Specify comments if any related to the customer s employment Department Specify the department to which the customer belongs Stated Years Specify the number of years the customer has spent with his current employer Stated Months Specify the number of months the customer has spent with his current employer Requested Tab You can capture the following details here Currency Specify the finance currency preference of the customer or select the currency from the option list provided Requested Amount Specify the finance amount requested by the prospective customer EMI Amount Specify the preferred EMI amount of the prospective customer at ORACLE 2 4 2 5 Tenor in months Specify the preferred finance tenor in months of the prospective customer Rate Specify the preferred profit rate of the prospective customer Viewing Finance Prospect Summary You can view a summary of the prospective finance customers or the borrowers in Finance Prospect Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typin
12. e Others Mailing Check this box to indicate that the address you specify here is the customer s mailing address Address Line 1 3 Specify the address of the customer in three lines starting from Address Line 1 to Address Line 3 Contact Number Specify the contact telephone number of the customer Zip Specify the zip code associated wit the address specified Country Specify the country associated with the address specified Employment Details Seq No The sequence number is automatically generated by the system Employment Type Select the customer s employment type from the drop down provided The following options are available e Part Time e Full Time e Contract Based Employer Specify the name of the employer of the prospective customer Occupation Specify the occupation of the prospective customer Designation Specify the designation of the prospective customer Employee Id Specify the employee Id of the prospective customer Address Line 1 3 Specify the employment address of the customer in three lines starting from Address Line 1 to Address Line 3 Zip Specify the zip code associated with the office address specified Country Specify the country associated with the employment address specified Phone No Specify the official phone number of the prospective customer 26 ORACLE 2 3 3 Extn Specify the telephone extension number if any of the prospective customer Contact
13. 10 2 5 3 Specifying Credit Grado Srusi niuni a a iaaiiai aA 2 11 2 5 4 Specifying Auto Decision Detalls cccccccccccceeseeeeteesteeeeeteneeeeetneeaeeees 2 12 2 6 Viewing Credit Rule SUMMAary eeeesseeseessserrrsssrirrsssttrrrssttnnnststtnnssattnnsssteennnnt nena 2 13 2 f Maintaining Credit Ratios crecen a E A A 2 13 2 7 1 Specifying Formula Details seerne a A EEn REE ONE ETA 2 14 2 8 Viewing Credit Ratio SuUmMmMmary eeesesssseeeserreeessrressrirnneeetinnesenennnaeinnnaesntnaneeenennnee 2 15 2 9 Maintaining Override Details 0 0 00 ccecceeeeneeeeeeeeeneeeeeeeeneeeesetaaeeeeeeeiaeeeeeeenaaes 2 16 2 10 Viewing Override Summary ssssssssssrsseesssrrnesrnnneastrnaaastninneetnannnntnennenataannaaennnnaae 2 18 2 11 Maintaining Document Checklist and AdVICES eccceeteeeeeeetneeeeeeeeteeeeeeenaees 2 19 2 11 1 Process Flow BPEL ROPOft c cccccccccsseeeeceesnnteeeeeesntaeeeeeeeeaeeeeeeenaas 2 21 2 12 Viewing Document Checklist SUMMALY c cece eeeeee eee ettte eee eetaeeeeeetntaeeeeeeeee 2 21 2 13 Maintaining Application Category Details cece eeeeeeeeeeeteneeeeeetnaeeeeerenee 2 22 ZENO MAIR TAD ARIE AET POE IAAT OE EE E II EEE T ain ette ns 2 23 213 2 AQCNCY TAD rasnita i tn E EE a Fiii ENEE E A E ENE ERAEN EEE AERE 2 25 2 14 Viewing Application Category Summary ssssssseesssesirssseerrssstrrsssrtnrsstrtnrsssernnnne 2 26 2 15 Maintaining Pricing Details eoe Anaa r N A TOA 2 26 2 16 Stages in
14. 9 You can invoke this screen by typing ORSRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Ratio Maintenance Authorization Status Record Status Group Id ae Advanced Search Records per page 15 v 1 oF Authorization Status Record Status Group Id Description You can specify any of the following details to search for a record e Authorization Status e Record Status e Group Id Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Override Details You can maintain the formulae to verify if overrides need to be generated dynamically in Override Maintenance screen You can invoke this screen by typing ORDOVDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 216 ORACLE Override Maintenance E New amp Enter Query Process Code 7 New Route Application Category Type Retail v Stage 1 Of 1 Stage Description Overrides 1 Of 1 0 Sequence Number Condition Error Code Error Parameter E Elements Index Functions Braces Operators Logical Operators Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the followin
15. Account Details Mobile ISD Code Eppes Account Branch Mobile Number Corporate Details Account Class Email Date Account Number Fax ISD Code Capital si Net Worth US Resident Status Passport Number Business Description Permanent IS Resident ba lt m Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe CustomerMIS Customer AccountMIS Customer AccountFields a Previous Remarks Remarks Audit The verifier can choose to send the application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory If the applicant application and document details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select RETURN to return the process to underwriting stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed The customer customer account collateral etc are created in the system on completion of the Document verification stage 2 17 Message Generation In this stage generation of offer letter and sending the contractual agreements takes place Step 9 Finance Applications Details Upload In this final stage the finance and collateral are created Customer is also created if the applicant is a new cus
16. Branch Mobile Number Corporate Details Account Class Email Date Account Number Fax ISD Code Capital Fax Net Worth US Resident Status Passport Number Passport Issue Date Business Description Counters 7 Permanent US Resident n m Documents Multiple Asset KYC Review Customer Dedupe Finance Dedupe CustomerMIS Customer AccountMIS Customer Account Fields Previous Remarks The system displays all the customers associated with the finance application with internal Audit status displaying whether the customer information is available or not 2 71 ORACLE Click Review button to view all customer information and perform KYC and SDN checks KYC Review The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed KYC Maintenance Summary Authorization Status KYC Reference KYC Customer Type Export i Records per page 15 M 4 1 of 1 gt PII a Authorization Status Record Status KYC Reference r 000ZKYC112450005 001ZKYC112450004 001ZKYC112450005 001ZKYC112450007 001ZKYC112450001 001ZKYC112450002 001ZKYC112450003 001ZKYC112450006 019Z2KYC112490001 022ZKYC121530002 WB1ZKYC121300003 Open Open Open Open Open Open Open Open Open Open Open aie ORACLE gt Alias Names summary Records per page I4 idia of 1 Name Date ot Binn BHARAT Once reviewed the verifier provides the review status and remarks
17. Customer Account MIS screen gets displayed where you can maintain the MIS details Customer Account MIS Application Number IslamiclstisnaAccount4 Calc Method Pool Code Customer 00006651 Rate Code ae Account Level mape 000 n Rate Type Fixed X Pool Code ba Reference Rate Link to Group Account Class Spread _ Currency GBP MIS Group Default MIS Group Transaction MIS Composite MIS Cost MIS Transaction MIS 4 a Composite MIS 1 Laz Cost MIS 1 a Transaction MIS 2 FE Composite MIS 2 a Cost MIS 2 J Transaction MIS 3 la Composite MIS 3 a CostMIS 3 a Transaction MIS 4 asl Composite MIS 4 Et Cost MIS 4 25 Transaction MIS 5 Composite MIS 5 Re Cost MIS 5 Transaction MIS 6 a5 Composite MIS 6 a Transaction MIS 7 la Composite MIS 7 a7 Transaction MIS 8 Ba Composite MIS 8 az Transaction MIS 9 la i Composite MIS 9 22 Zz Transaction MIS 10 a7 Composite MIS 10 a7 ChangeLog Transfer Log 2 43 ORACLE 2 16 6 Details Tab The address and employment related details of the customer corresponding to the Lead Id selected are displayed in this tab You can modify these details if required Islamic ijarah Loan Application Entry Xx HA save Hold A
18. Details 10f1 P Risk Factor Description Score og m Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS MIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Prev Remarks Remarks Audit The set of questions used to assess the credit rating of a prospective finance customer associated Rule Id are displayed in this screen System defaults the Category and Question as maintained in the Rule You can select the Answer from the option list You can specify the following details here Click Calculate button to calculate the credit score and the grade based on the formula maintained for calculating the credit score The Grade and the Score are displayed based on this calculation a0 ORACLE 2 16 36 Bureau Tab 2 16 37 2 16 38 You can interface with external credit bureaus and view report obtained from them in Bureau tab Based on the reports that are obtained from the external bureaus the underwriter determines whether to approve the finance to the customer or not Islamic Ijarah Underwriting E New amp Enter Query Workflow Reference Priority Low Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch Application Status Application Entry Application Date Applicant Details Typ
19. Select the line branch code from the adjoining option list Main Line Code Specify the main line code The adjoining option list displays all valid main line codes maintained in the system You can choose the appropriate one 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 Expected Limit Amount Enter the expected limit amount Collateral Amount The system displays the collateral amount here Effective Line Amount Basis For defining drawing power of line the elements mentioned below are treated as the basis for the effective line amount calculation 200 ORACLE 2 16 10 e Limit Amount Collateral Contribution e Maximum Credit Turnover Allowed e Minimum Limit Effective Line Amount The effective line amount basis will be validated for the following crit
20. Status Application Entry Application Date 2011 01 04 EEG vetaits Financial Requested Limit Collateral Comments Channel KYC Required External Credit Check Required Intermediary Group Auto Decision Required s Applicant Details 1014 Foe E Type Existing Local Branch CustomerNo Default ShortName CustomerName Nationalld Responsibility Liability RMID RMName am z n gt Country First Name Power of Attorney Nationality Middle Name Power of Attorney Language Last Name Haas SSN Salutation Mr z 5 S Address Customer Category Gender Male J Financial Currency Birth Place Country Group Code Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code Home Phone Mothers Maiden Name Telephone Number Work Phone ISD Marital Stat pissaa arital Status Married Account Details Mobile ISD Code sities Account Branch Mobile Number Corporate Details Account Class Email Date Account Number La Fax ISD Code Capital Fax Net Worth US Resident Status Business Description Passport Number ame z Permanent LIS Resident Documents Multiple Asset Customer Dedupe Finance Dedupe Customer MIS Customer Account MIS Customer Account Fields Previous Remarks Remarks Audit The details related to the finance application entry are displayed in this screen which can be verified by the verifier The details cannot be modified in this stage b
21. Supervisor Today Assigned Assigned Task List x Workflow Reference OpenSavingsAccount5975 RetailLending6015 RetailLending6018 IslamiclstisnaAccount6028 RetailLending6035 RetailLending6036 OpenSavingsAccount6045 OpenSavingsAccount6063 RetailLending6077 444414444444 RetailLending6112 Branch 000 Date 2011 01 04 Transaction Tit Reference me Receive And Verity Application Input Application Input Application Entry Application Input Application Input Receive And Verity Input savings account details Application Verification Application Verification Custo Nam DAVID BOON DAVID BOON DAVID BOON Session Time 00 46 24 mer e 2013 09 02 10 17 31 IST 2013 09 02 15 13 48 IST 2013 09 02 15 18 41 IST 2013 09 02 16 21 47 IST 2013 09 02 17 13 00 IST 2013 09 02 17 16 24 IST 2013 09 02 19 03 55 IST 2013 09 02 21 09 55 IST 2013 09 03 09 35 38 IST 2013 09 03 15 12 17 IST Cri Date From To Priority Channel t Low Low Low Low Low Low Low Low Low Low Help Logged User DCO1 Page 10f2 gt pp Jumpto FLEXCUBE SUPPORTO1 FLEXCUBE SUPPORTO1 Originated By Sign Off ORDPRCMT m Status page Commer NEWAPP RECVNVFY RECVNVFY NEWAPP VFYAPP All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top
22. are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process On successful verification a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the information message as xxx Acquire Successful Step 3 Application Management Verification Stage 200 ORACLE The information captured in the previous stage is verified for the second time and for second level approval in the Application management Verification stage Application verification is carried out by the user role CMROLE You can key in the finance application details required in Ijarah Application Management Verification screen islamic Ijarah Management Verification X x Save ay Hold Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch 000 Application
23. contracts Trade Finance Manager Verification and authorization of contracts Compliance Executive Performance of compliance details of all parties in a contract Compliance Manager Verification of compliance check carried out by Compliance Executive Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http www oracle com pls topic lookup ctx acc amp id docacc Abbreviations The following abbreviations are used in this User Manual Abbreviation Description BPEL Business Process Execution Lan guage WF Workflow Organization This manual is organized into the following chapters About this Manual gives information on the intended audience It also lists Chapter 1 S the various chapters covered in this User Manual ljarah Origination explains the workflow of Ijarah finance and process of Chapter 2 P maintaining the prospect details 1 1 ORACLE 1 6 1 7 Chapter 3 Function ID Glossary has alphabetical listing of Function Screen ID s used in the module with page references for quick navigation Related Documents e Procedures User Manual Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function J Exit Add row Delete row a Option List ORACLE 2 1 2 2 2 Ij
24. e Others Asset Sub Type Specify the sub type associated with the asset Description Specify a suitable description for the asset type Asset Value Specify the value associated with the asset Vehicle You can specify the following details for the asset type Vehicle Make Specify the make of the vehicle Model Specify the model of the vehicle Manufacturing Year Specify the year of manufacture of the vehicle Body Specify the body details of the vehicle Reg Specify the registration number of the vehicle Home Address Line 1 3 Specify the address of customer s residence in the three Address lines provided Width Specify the width of the customer s residence Length Specify the length of the customer s residence Occupancy Specify the number of people who occupy of the customer s residence Requested Tab The details related to the requested finance corresponding to the Lead Id selected are displayed in this tab You can modify these details if required If you have selected an Enquiry ID for the customer then the requested details that have been stored for the corresponding finance proposal are displayed here al ORACLE You can also capture the following itemization details corresponding to the requested finance Requested Details Requested Currency Specify the currency for transaction The adjoining option list displays all valid currencies maintained in t
25. form and related documents as part of this activity The details related to the applicant contact information employment information requested finance details collateral details etc are captured during this stage Documents obtained from the applicant are uploaded and advices maintained for the stage are generated by the process after completion of the stage Users belonging to user role CEROLE are authorized to perform these tasks You can key in the finance application details required in jarah Application Entry screen You can also invoke this screen by typing ORDIJAAE in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 29 gt ORACLE Islamic ljarah Loan Application Entry H save lt i Hold were mey uwy Application Branch i Application Status Application Entry Application Date t t t f 1 f i EWJ Details Financial Requested Limit Collateral Comments Channel KYC Required External Credit Check Intermediary Group a Auto Dedsion Required Required Applicant Details 10f1 5 Type Existing Local Branch CustomerNo Default Short Name Customer Name National Id R gt T Primay E j ia ial ni r Country FE FirstName E Power of Attorney Nationality Ea Middle Name f Fy Pow
26. generates a sequence number for the asset and displays it here Status The status of the asset is displayed here The statuses available are Active and Settled During account initiation the status will be Active Once the prepayment of the asset begins ap ORACLE 2 16 26 the asset will be completely settled Then the status will change to Settled An asset can only be completely settled No partial payment is allowed Capturing Property Details Property Type New Select if the property is new or old The options available are e Y Yes e N No Type of Property Select the type of property from the option list The types of properties that you have maintained using the Limits Type Maintenance screen will be listed here for selection Description Specify a description for the property Builder Name Specify the name of the builder of the property Project Name Specify the name of the project Building Name Specify the name of the building for which finance is taken Wing Name Specify the name of the wing in which the property is District Area Hoz Raqam Select the district or area within the selected Emirate by clicking on the option list The different districts within the Emirates that you have maintained using the Limits Type Maintenance screen will be listed here for selection City Select the city where the property is by clicking on the option list The different cities
27. nisin Giese bs 2 65 2 16 33 Capturing Document Detalls 0 c cccccccceceeteteeeeeetinneeeeeetnneeeeeetneeeeenenee 2 66 2 16 34 gt Collateral Pape j sscssic 55 a E E A AERA eels 2 77 2 16 39 Credit Score Taane a iE E AEAT 2 79 2 16 36 Bureau Tab osisrri aiti iiernn tiii ta e EA EASA E EA EE Aae RAAE EEEE A 2 81 2 10 37 Credit Dotais coun agrem erniet dances ves iaaa E eiai iare iaa ARES RA ERA EEEREN R 2 81 2 16 38 External Credit Rating mereseire iiianoe aiia AE EE E E 2 81 2 10 39 RIOS TAD arr EE E A ae eddie tie O ees 2 87 2 16 40 Financing Tabee arier e Era EE E EAE AE EEE 2 88 2 16 41 Component Tab sex ema a a a a a AN 2 90 2 16 42 Charges Tabs acetic needed lai A A E AEA 2 91 2 16 43 INVESTIGATION TAD acrana iran EEEE aAA EEAS 2 92 2 16 44 Comments Tabarre haiei iaaa tan ia aa e EE aaa e a E Aa a e 2 92 2 17 Message Generation nacinom ereit a a E T A R ETN 2 96 3 Function ID Glossary ssssssssssunnnnnnnnnnnnnnnnnnnnnnnnnnunnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn 3 1 1 1 1 2 1 3 1 4 1 5 1 Preface Introduction This manual is designed to help you quickly get acquainted with the workflow of Ijarah finance maintaining the prospect details and other features supported in Oracle FLEXCUBE Audience This manual is intended for the following User User Roles Role Function Corporate Customer Service Collection of applications Executive Trade Finance Executive Updation of details of
28. of the screen to acquire the next stage of the task The system displays the information message as xxx Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Ijarah Application Verification screen Step 2 Application Verification Stage The information captured in the previous stage is verified in the Application Verification stage Application verification is carried out by the user role CMROLE You can key in the finance application details required in Ijarah Application Verification screen 2 68 ORACLE e Islamic jarah Application Verification X H save 4 Hold Application Category Leadid Application Number 5 Product Code Enquiry ID User Reference T Description Application Priority Low Application Branch 000 Application Status Application Entry Application Date 2011 01 04 GEW Details Financial Requested Limit Collateral Comments Channel KYC Required External Credit Check i Required Intermediary Group Auto Decision Required 3 Applicant Details 10f1 al gt i E Type Existing Local Branch Customer No Default ShortName Customer Name Nationalld
29. of the customer as ORACLE Salutation Select the salutations of customer from the drop down list provided The following options are available e Mr e Mrs e Miss e Dr Gender Select the gender of the customer from the drop down list provided The following options are available e Male e Female Birth Place Specify the birth place of the customer Birth Country Specify the birth country of the customer If FATCA Applicable is enabled at the bank level then it is mandatory to specify the birth country Date of Birth Specify the date of birth of the customer Mother Maiden Name Specify the mother maiden name Passport Number Specify the passport number of beneficial owner Passport Issue Date Specify the issue date of the passport Passport Expiry Date Specify the expiry date of the passport Marital Status Indicate the marital status of the customer here You may select one of the following from the list available here e Single e Married e Divorcee e Remarried e Separated e Spouse Expired Dependents Specify the number of family members children and others who are dependent on the customer financially You can indicate any number between 0 and 99 Aao ORACLE Corporate Details Incorp Date Specify the date on which the customer s company was registered as an organization Capital Specify the particular customer s various financial details like total Paid Up capit
30. screen Note This screen is identical to the Cl Payment Detailed screen of Oracle FLEXCUBE Refer the chapter titled Operations in the Islamic Financing User Manual for further details about the other fields in the screen Step 13 Asset Capture Stage oe ORACLE During Asset Capture stage the asset is moved to the inventory of the bank You will be navigated to the Asset Capture stage only if the outcome of Manual Liquidation is PROCEED Business validations are not done as part of this stage ijarah Asset Capture X H save c Hoid Application Number Application Date 2011 01 04 Status AssetCapture Branch 000 Product Code P Contract Reference Version gt Number 4 Version Number i Ver Product pasan User Reference Source Reference GEJ Depreciation Details Inventory Details Category Useful Life Location Year Year Location Description Months Fund id Vendor Code Asset Currency Acquired Depreciation Asset Cost Residual Value Asset Description Original Reference Status l Capitalization date Book Date Effective pappaa Acquisition Date g Depreciation Suspension C Suspended Depreciation Suspension Date m J r Asset Details Adhoc Schedule Linkage Details Settlements Advices Charges MIS Fields Previous Remarks Remarks Audit This stage is applicable only to a finance created with products that have a fixed asset product linked to it I
31. Country This is the country as given in the address of correspondence of this customer SSN Specify the SSN of the customer Language As part of maintaining customer accounts and transacting on behalf of your customer Customer Category In this category you can classify customers of your bank Nationality Specify the nationality of the customer Financial Currency Specify the financial currency or select the financial currency from the option list provided Mobile ISD Code Specify the international dialling code for the mobile number of the customer The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Mobile Number Specify the mobile number of the customer Telephone ISD Code Specify a valid international dialling code for the telephone number of the customer The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Landline Number Specify the landline number of the customer E mail Specify the E mail address of this customer Fax ISD Code Specify the international dialling code for the fax number of the customer The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Fax Specify the fax number of the customer Retail First Name Specify the First name of the customer Middle Name Specify the Middle name of the customer Last Name Specify the Last name
32. CustomerMIS Customer AccountMIS Customer Account Fields Holder Name Address Account Details Previous Remarks Remarks Audit The system displays all the customers associated with the finance application with internal status displaying whether the customer information is available or not Click Review button to view all customer information and perform KYC and SDN checks gt KYC Review Appac anon Number YC Review Octalls Local Branch frst Name MoJe Name Last Name Oate of Barth Consntry Nestonaity ara ORACLE The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed KYC Maintenance Summary Authorization Status KYC Reference KYC Customer Type Records per page 15 I4 4 Authorization Status KYC Reference Full Name of Customer O00ZKYC1 12450005 MILLER 001ZKYC112450004 WARDRU 001ZKYC112450005 CLARKS 001ZKYC112450007 PULASCAR AAPOUL 001ZKYC112450001 001ZKYC112450002 001ZKYC112450003 001ZKYC112450006 O19ZKYC112490001 022Z2KYC121530002 WB1ZKYC121300003 Open Open Open Open Open Open Open Open Open Open Open gt Alias Names summary Once reviewed the verifier provides the review status and remarks You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the external KYC status and SDN status respectively based on the review You need to query on the records using all
33. JAUD__CVS_MAIN__TAB_CRD SOR ar ien ai 2 80 ORDIJAUD_ CVS_MAIN_TAB_FIN SUM orn 2 87 ORDIJAUD__CVS_MAIN__TAB_IN VESTIGATION onasan 2 92 ORDIJAUD__CVS _ MAIN__TAB_LOANS 2 88 ORDIJPMT__CVS_MAIN__TAB_P MNTDTLS aoaia 2 98 ORDISTAE__CVS_CRBRE PORT__TAB_AKA 2 85 ORDISTAE__CVS_CRBRE PORT__TAB_COLLECTIONS 2 84 ORDISTAE__CVS_CRBRE PORT__TAB_CONSUMERSTM 2 85 ORDISTAE__CVS_CRBRE PORT__TAB_CREDSCORE 2 86 ORDISTAE__CVS_CRBRE PORT__TAB_FRAUDMSG 2 84 ORDISTAE__CVS_CRBRE PORT __TAB_INQ un eeesseees 2 85 ORDISTAE__CVS_CRBRE PORT__TAB_PUBREC 2 84 ORDISTAE__CVS_CRBRE PORT__TAB_SUMMARY1 2 83 ORDISTAE__CVS_CRBRE PORT__TAB_SUMMARY2 2 83 ORDISTAE__CVS_CRBRE PORT__TAB_TRDLINES 2 83 ORDLEADM onnie 2 2 ORDLEADM_ CVS MAIN__TAB_CUSTOMER 2 2 ORDLEADM_ CVS MAIN__TAB_LOAN 2 7 ORDOVDMT noaa 2 16 ORDOVDMT__CVS_MAIN 2 17 ORDPRCMT niaaa 2 26 ORDRATMT onnaa 2 13 ORDRATMT__CVS_FORMULA 2 15 ORDRATMT__CVS_MAIN 2 14 ORDRULMT osooso 2 8 ORDRULMT__CVS_FORMULA 2 11 ORDRULMT__CVS_MAIN__TAB_ MAIN ooon 2 9 ORDRULMT_ CVS MAIN__TAB_RULE 2 10 ORDRULMT__CVS_RATING 2 12 ORACLE ORSCATMT eee 2 26 ORSDOCMT ooie 2 22 ORSLEADM ee 2 8 ORSLEADM__SUMMARY 2 8 ORSOVDMMT 0 ee 2 18 ORSRATMT ee 2 16 ORSRULMT Le 2 13 ORSRULMT__ SUMMARY 2 13 ORACLE
34. Number Specify the chassis number of the vehicle here Specifying Registration Details Type Specify the registration type here You can choose from the following values in the adjoining drop down list e S Self e TP Third Party e N None Name Specify the name in which the vehicle is registered 206 ORACLE 2 16 14 2 16 15 2 16 16 2 16 17 Emirate Select the emirate in which the vehicle was registered from the option list All the emirates maintained using the Limits Type Maintenance screen will be listed for you to select Registration Number Specify the registration number of the vehicle here Date Specify the date on which the vehicle was registered Delivery Date Specify the date on which the vehicle was delivered Specifying Vendor Details Vendor Code Select the vendor code from the option list All the vendor codes maintained using the Vendor Maintenance screen are listed for you to select Vendor Name Once the Vendor code is selected the corresponding vendor name is defaulted here Agent Sales Staff Name Specify the name of the agent sales staff Agent Name Specify the name of the agent Agent Branch Specify the agent branch Specifying Amount Details Currency Specify the currency of the account Requested Amount Specify the amount requested to be financed Amt Financed Appraised Value Specify the percentage of amount financed that is appraised
35. ORACLE Ijarah Creation User Guide Oracle FLEXCUBE Universal Banking Release 12 0 3 0 0 Part No E53393 01 April 2014 ljarah Creation 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 developed or intended for use in any inherently dangero
36. Responsibility Liability RMID RM Name Hi Z 7 Country First Name Power of Attorney Nationality Middle Name Power of Attorney Language Lettie E Holder Name SSN Salutation Mr AD Customer Category Gender Male Financial Currency Birth Place Country Group Code Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code Home Phone Work Phone ISD Mothers Maiden Name Telephone Number ork Phone ISD Marital Status Married Work Phone Account Details Mobile ISD Code Bependenis Account Branch Mobile Number Corporate Details Account Class Email Date Account Number Fax ISD Code Capital T B ai Net Worth US Resident Status See Business Description Passnort Issue Date eS p a Permanent US Resident K m 1i r Documents Multiple Asset CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit The details related to the finance application entry are displayed in this screen which can be verified by the verifier The details cannot be modified in this stage but comments can be added appropriately On completion of this stage the advices that are maintained for the stage are generated The verifier can either send the application back to the previous stage if the information provided is not adequate or can cancel it if the information captured is not satisfactory If the application details
37. S Product Code IJF3 Gal Enquiry ID a3 User Reference Description ljara Financial with ass Application Priority Low Application Branch 000 Application Status Application Enty Application Date 2011 01 04 Applicant Details Type Primary gt Local Branch 000 CustomerNo 000006149 Customer Name i Main Details Financial Requested Limit Collateral Comments Collateral Details 10f 41 Start Date E Revaluate Collateral Collateral Branch a Paoa 2 Revaluation Date m Collateral Id Bo a gi Revision Date E ollateral Type Collateral Description a f Te pma z Charge Type y Default Percent Utilization Order Collateral Currency a Cae a Commitment Product Ll a Collateral Value Haircut ed Market Value Based Haircut Schedule Vehicle Details Security Id Pel eae IEE 101 fal Number Of Units E Effective Date Haircut z Nominal Value Vehicle ID Cap Amount Vehicle Number Year Guarantor Based Make Guarantor Id Gal Model Rating Body Usage Valuation Source None Valuation Status NotRequired Covenant Details 10f1 E a Covenant Name Description Reversal Date Mandatory Grace Days Notice Days Due Date On 7 a a m m r Documents Multiple Asset CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit In this screen specify the following details to facilitate vehicle evaluation Colla
38. Specifying Appraiser Details Appraiser Name Specify the name of the appraiser here Appraised Value Specify the value appraised Appraisal Date Specify the date on which the appraisal was done Specifying Total Amount Details Downpayment Specify the amount paid as down payment sal ORACLE 2 16 18 2 16 19 2 16 20 Vehicle Value Specify the value of the vehicle Maintenance Cost Specify the maintenance cost of the vehicle Insurance Amount Specify the insurance amount for the vehicle Asset Finance Amount Specify the amount financed for the asset Specifying Insurance Details Insured By Bank Check this box to indicate that the asset is insured by the bank Insurance Company Select the name of the company through which the assets is insured Premium Amount Specify the premium amount to be paid for the insurance Specifying Balance Details Outstanding Principal The outstanding principal on the account for this vehicle is displayed here Outstanding Profit The outstanding profit on the account for this vehicle is displayed here Equipment Asset Click Equipment Asset button Islamic jarah Application Entry screen to invoke Equipment Asset screen ane ORACLE 2 16 21 Multiple Asset Application Number IslamicljarahAccount6255 je Vehicle Property Project Goods Build Materials Service Ijarah Equipment 101 4 Asset Status Active
39. Spouse Expired 2 3 2 Details Tab You can capture the address and employment related details of the prospective customer in Details tab Prospect Details H save 2 Hold Leadia Brancn 000 25 Application Type Retail Description is Date of Request 2011 01 04 CurentStus RW New Account Number New Status al Request ID Conversation ID Lal Channel FLEXCUBE Gal Promotion Code Applicant Details Type Primary gt Customer Name xyz Main Details Financial Requested Address Details 101 IS Address 1 5 Pin Code E ree Address 2 D Contact Number ress Type Address 3 ir Country EE Permanent Address 4 m E Current Employment Details 4ora gt Tae Address 1 5 Extension a Bei Address 2 2 Contact Phone yiee Address 3 iS Contact Name EmploymentType Full Time permanent parenn a Contact Extension Oreias I Country Ga Department f Designation io Pin Code Comments ol Employee Id i Phone Number Business Details Type of Business Currency Name of Business Annual Turnover Type of Ownership Others Documents Conversation Maker Date Time Mod No Checker Record Status Cancel Date Time Authorization Status 2 Address Details Seq No The sequence number is automatically generated by the system Address Type Select the address type of the customer from the following options provided in the drop down list e Permanent e Home e Work e Temporary ORACLE
40. You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the internal KYC status and SDN status respectively based on the review You need to query on the records using all or a combination of the following criteria e Customer Number e First Name e Last Name e Date Of Birth e Country e Internal e Internal Remarks e External e External Remarks e SDN status e Review Click the Query button to view all records that match the specified criteria If the customer details do not match any of the displayed records select the action CLEARED from the drop down list adjoining the Audit button Click the Save icon in the tool bar to save the record The system displays the information message as The task is completed successfully The Workflow Reference Number is xxx Step 5 External Blacklist Check Stage The information against external KYC and SDN checks are verified in external blacklist check stage Only users belonging to the CEROLE Compliance Executive can perform this task If you have requisite rights acquire it from the list by clicking the Acquire button adjoining the desired task The following screen will be displayed 218 ORACLE The task will be moved to the Assigned task list Select the checkbox against your Workflow Ref No and click Acquire button Go to the Acquired task list and double click on the
41. able list Check Underwriting ORDIJAUD Available Available Available Finance ORDIJAAR Available Available Available Approval Document Verifi ORDIJADV Available Available Available cation Customer ORDIJMCU Available Available Available Account Liabil ity Finance Collateral Crea tion aer ORACLE Stage Title Function Id Doc Callform Exists Upload Availab le Not Available View Availabl e Not Available User Accept ance ORDIJUSA Not Avail able Manual Liquida tion ORDIJPMT Not Avail able Add to Inven tory or Move to Stock ORDIJPRO Not Avail able To acquire the next stage you need to go to the Task menu and select Assigned under Standard option ORACLE Home interactions Customer Workflow Tasks Preferences Search a Quick Search Application Application Origination Dashboard Standard Queue Search Administrative amp Application Statuses Across Various Parameters Applications Count Across Conventional High Count Across Conventional Low Count Across Conventional Medium Count Across Islamic High Count Across Islamic Low Count Across Islamic Medium High Alert My Islamic Tasks My Loan Tasks My Reminders i Quick View Detail E SLA Standard gt Acquired o gt Assigned 11 gt Completed 0 New Assigned 11 gt Pending 0 gt Supenisor 0
42. akaAccou Loan Account 000MUS1120650225 Product Code MUS1 Loan Account Branch 000 haracter Fields TEST CP o a 2 16 39 Ratios Tab In the Ratios tab the system calculates the stated and actual income debt ratios and also calculates the ratio based on What if payment amount Islamic Ijarah Underwriting save fy Hold Application Category APCAT Leadid Application Number IslamicljarahAccount61 fal Product Code 79 Enquiry ID User Reference 000IJF3110040006 Description Ijarah Application Priority Low Apea E Application Status Underwriting Application Date 2011 01 04 Applicant Details Type Primary Local Branch 000 CustomerNo 00009388 Customer Name main Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing Component Charge Investigation Comments Asset Details Stated Actual Assets Monthly Income Monthly Income Liabilities Monthly Debt Monthly Debt Net Worth What if Payment Amt aan Ratios 10f4 Ratios Stated Before Stated After Actual Before Actual After Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS Customer Account MIS Customer AccountFields Vehicle Evaluator Bureau Report FinanceMIS Finance Fields Previous Remarks Remarks Audit The stated income and debt of the customer are displayed here You can capture the following additional details here A
43. al Net Worth Specify the Net worth of the customer organization Business Description Specify the nature of the business and the business activities carried out by the customer organization Country Specify the Country of registration of the office of the corporate Power of Attorney Note If the FATCA is enabled at the bank and the check box Power of Attorney is checked here then it is mandatory to specify the Power of Attorney information Power of Attorney Check this box to indicate that the customer account is to be operated by the power of attorney holder Holder Name The person who has been given the power of attorney Address Specify the address of the power of attorney holder Country Specify the country of the power of attorney holder Nationality Specify the nationality of the power of attorney holder Telephone ISD Code Specify the international dialling code for the telephone number of the power of attorney holder The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Telephone Number Specify the telephone number of the power of attorney holder a ORACLE 2 16 4 Account Details Account Branch Select the account branch from the adjoining option list Account Number The account number gets generated when you click on Default button after specifying the account class If the account branch is auto ge
44. an 3 6 6 KI select or 7 Logical Operators Select the logical operator to be used to define the pricing details formula You can select lt gt lt gt gt lt AND or OR 2an ORACLE 2 16 Based on the formula and the finance application category the system automatically applies a price ID to the application You can apply a different price ID that matches the application only at the Underwriting Stage If you change a price ID selected by the system and reapply a different price ID the system changes the score of the pricing rule The score determines the price ID to be automatically applied Offer Click Offer button to define the offers for pricing ID Offer Details 10 V Sequence Number ScoreFrom ScoreUpTo Rate Noofinstallments Frequency Units F 1 Monthly X Based on the score and the finance application category the system automatically applies a price ID to the application You can apply a different price ID that matches the application only at the Underwriting Stage Sequence Number The system displays the sequence number Score From Specify the minimum score range for the offer Score Up To Specify the maximum score range for the offer Rate Specify the loan rate for the loan No of Installments Specify the Number of Loan Installments Schedules Frequency Specify the Loan Schedule Frequency Units
45. an specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Application Category Details You can maintain various application categories linked to multiple finance products that cater to the requirements of different customers in Application Category Maintenance screen The entire process of finance origination depends mainly on the category to which the application belongs You can invoke Application Category Maintenance Detail screen by typing ORDCATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ae ORACLE 2 13 1 Application Category Maintenanc H save aij Hold Application Category Application Type Retail Category Description Rule Id Ratio Id Pricing Group Main Agency Product Details 10F4 25 Product Code Product Description External Credit Check Required External Credit Check Requiredfor Amount Basi w All Applicants al Account Class Details 10f1 Esim Account Class Account Description No of Installments Frequency Rate Code Default Ga You can specify the following details in this screen Applic
46. arah Origination Introduction The process of jarah finance origination gets initiated when a prospective customer approaches the bank with a finance account opening request or when the bank approaches a prospective customer taking lead from its database In case of a bank initiated request the process moves forward only if the prospective customer is interested The entire process is carried out in multiple stages and on successful completion of each stage it moves automatically to the next stage When the customer approaches the bank for its products and offers before initiating the finance origination process the bank can create a mock proposal which would have the personal details of the customer the finance offers the customer is interested in as well as the schedules associated with the finance offer This can be stored as reference in the system to be retrieved when the actual finance process flow is initiated Stages in jarah ljarah process flow uses Oracle BPEL framework with multiple human tasks for workflow stages The capture and enrichment of information in multiple steps can be dynamically assigned to different user roles so that multiple users can take part in the transaction Oracle Business rules are used for dynamic creation of multiple approval stages The following details need to be maintained for originating a jarah e Finance Application Capture e Application Verification e Application Management Verifi
47. ation Category Specify a unique identification for the finance application category Category Description Specify a suitable description for the finance application category Rule Id Specify the credit rule to be associated with the application category or select the Rule Id from the option list provided Ratio Id Specify the credit ratio to be associated with the application category or select the Ratio Id from the option list provided Pricing Group Specify the pricing group to be linked to the ljarah application category The option list displays all valid pricing groups applicable Choose the appropriate one Main Tab You can capture the following details in the Main tab Product Details You can specify the following details related to the finance product here Product Code Specify the identification code of the finance product to be linked to the application category being maintained You can also select the product code from the option list provided Product Description The description associated with the selected finance product gets displayed here Aaa ORACLE Default Check this box to indicate if the finance product selected should be maintained as the default product for the application category Other Details You can capture the additional details related to the finance product here Offer Id Specify a unique identification for the finance offer being made to the customer No of Installm
48. cation Configurable e Internal Blacklist Check e External Blacklist Check e Underwriting Credit Evaluation e Finance Approval e Document Verification e Finance details upload e User Acceptance e Disbursement e Manual Liquidation e Asset Capture The jarah origination process flow is composed of following stages The following are different types of the asset categories in jarah e Vehicle e Property e Equipment e Goods e Service ljarah e Project a ORACLE 2 3 e Home Maintaining Finance Prospect Details You can maintain the details of a prospective borrower or a finance applicant when the borrower initially approaches the bank enquiring about the various finance products that are being offered The following details are captured as part of this maintenance e Prospective customer s personal and location details e Prospective customer s employment details e Requested finance details You can maintain the details related to the prospective customer in Prospect Details screen You can invoke this screen by typing ORDLEADWM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Prospect Details oe H save f Hold Leadid Branch 000 a3 Application Type Retail Description i Date of Request 2011 01 04 Current Status NEW New Account Number ay a Request ID aa Conversation ID a Channel FLEXCUBE FE Promotion Code MEI Details Financiai Re
49. ce the verification is completed you can select the Outcome as PROCEED and move to the next stage You can click Report button adjacent to credit rating record or credit bureau record to view the report obtained from the credit rating agency or the credit bureau ate ORACLE The following reports can be viewed Summary1 Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report id First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date C Best Match Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Life Recent Open Chapter7 Chapter Chapter7 Chapter11 Chapter11 Chapter11 Chapter13 Chapter13 Chapter13 Total Total Total 1 Summary 2 Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report id First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date C Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Inquiries Auto Bank Card Retail Financing Qalac Financa Trade Lines Credit Bureau Report Application Number
50. cord e Authorization Status e Record Status e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Pricing Details Oracle FLEXCUBE allows you to maintain pricing groups and apply a suitable pricing rule to an application category during ijarah finance origination The pricing rule automatically selects the best matched finance offer for the finance application from the available offers for the application category You need to maintain pricing groups and define the price IDs and formulae for the group using Pricing Maintenance screen To invoke the screen type ORDPRCMT in the field at the top right corner of the application toolbar and click the adjoining arrow button Aab ORACLE Pricing Details Price Group ID Price Type Retail Description Pricing Details on OEA Price ID Price Description Default Formula Offer P Maker Date Time Checker Date Time Mod No Specify the following details Pricing Group Specify a unique name to identify the price group Description Specify a brief description of the price group Price Type Specify the price type associated with the price group You can choose one of the following price types e Retail e Corporate e Ijarah e istisna e Mudarabah e M
51. creen you can view the information available for the vehicle based on the information provided by you If the information in this screen matches the details available in the system database for the same vehicle the status is updated to COMPLETED in the collateral tab If it does not match then the status is updated to NO DATA Once the verification is completed you can select the Outcome as PROCEED and move to the next stage 2 16 35 Credit Score Tab The credit score tab is used to calculate the credit score details of the customer You can also interface with external Credit engines and display recommendations and report Internal Credit engine obtains information from customer and calculates credit score and displays system recommendation a1 ORACLE islamic ljarah Underwriting A ENew E3 Enter Query Workflow Reference Priority Low X Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low gt Application Branch Application Status Application Enty Application Date Applicant Details Type Primary X Local Branch Customer No Customer Name Main Details Financial Requested Limit Collateral Bureau Ratio Financing Component Charge Investigation Comments Asset Details Internal Credit Rating Rule ld 10f1 Grade Category Question Answer a Score Risk Factor
52. ctual Monthly Income Specify the actual monthly income of the customer based on documentary proof provided aa ORACLE Monthly Debt Specify the actual monthly debt of the customer based on documentary proof provided Click Calculate Ratios button to calculate the asset liability ratios for the customer What if Pmt Amt Specify the EMI amount that the customer is ready to pay Click Update Ratio button to update the asset liability ratios for the customer taking into account the EMI payments also The ratios for Installment Finance To Value and Disposable Income are calculated for the following conditions e Stated Before e Stated After e Actual Before e Actual After 2 16 40 Financing Tab In the Financing tab the system displays the list of the multiple finance offers that are attached to the application category specified If you have selected an Enquiry ID for the customer then the finance details that have been stored for the corresponding finance proposal are displayed here You can modify these details if required islamic ljarah Underwriting X H save 4 Hold Application Category APCAT Leadld Application Number IslamicljarahAccount61 la a Product Code 1379 Enquiry ID User Reference O00LJF3110040006 Description Ijarah io Application Priority Low v Application Branch 000 Application Status Underwriting Appl
53. d to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit score calculation formula Operators Select the mathematical operator to be used to define the credit score calculation formula You can select or f Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select lt gt lt gt gt lt gt F AND or OR Specifying Credit Grades You can maintain different credit grades based on the credit scores obtained Click Rating button in Rule Details screens to invoke the Rating screen where you can maintain these details a1 ORACLE 2 5 4 1 Of 1 Sequence Number You can specify the following details here Sequence Number The sequence number is automatically generated by the system Score Specify the score associated with a credit risk Grade Specify the credit grade based on the score obtained Specifying Auto Decision Details While creating finance you need to decide whether the applicant is eligible to receive finance from the bank Auto Decision feature in Oracle FLEXCUBE decides whether to approve or reject an application It also gives the stipulations or reasons for the decision To use this feature you need to maintain the Auto Decision d
54. de Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Collections 10f1 g Creditors Name Account AcctBalance HighBalance TermType BalanceDate OpenDate Last ActivityDate History Date ECOA Special Fraud Messages Application Number IslamicljarahAccount61 Customer No 00009388 fed Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Reportid First Name Report Date MiddleName Unique Id Last Name On File Date 5 Birth Date Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Fraud Messages 4 4 10f1 gt DI oj E Product Message ra O n a ORACLE Inquiries Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Reportid First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date 0 Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Inquiries EET EEA Inquirer Name Inquirer Subscriber Inquirer Industry Code Inquiry Date Rate Shopping Duplicate Also Known As Credit Bu
55. down list e Lien e Pledge e Hypothecation e Mortgage e Assignment e This is only for information and not for processing Utilization Order Specify the utilization order Commitment Product Select the product code from the adjoining option list to be used for creating the commitment contract In this screen specify the following details to facilitate vehicle evaluation Market Value Based Security ID Select the security id from the option list Number of units Nominal value Specify the number of units 208 ORACLE Cap Amount Specify the cap amount Guarantor Based Guarantor ID Select the Guarantor Id from the option list Rating The system displays the rating Vehicle Details You can capture the details of the vehicle which is to be evaluated in the following fields Identification Number Enter the unique identification number associated with the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details Usage Specify the mileage used by the vehicle till date These details will be used at the underwriting stage to evaluate the vehicle 2 16 11 Vehicle Asset Click Vehicle Asset button Ijarah Application Entry screen to invoke Vehicle Asset screen aot ORACLE 2 16 12 Multiple Asset je EN Property Project Goods Build Materials Se
56. e Primary Local Branch Customer No Customer Name Main Details Financial Requested Limit Collateral Credit score Ei Ratio Financing Component Charge Investigation Comments Asset Details External Credit Rating 10f1 Recommended Not Recommended Request ID 4 Status NotRequired External Agency Remarks Score Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS MIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Prev Remarks Remarks Audit In the application entry stage if the external credit required flag is checked the bureau report gets generated in the underwriting stage If the credit bureau is not checked in the application entry stage the underwriter can verify it in the underwriting stage by giving status as Required and Outcome as Verify On giving the outcome as verify the credit bureau verification happens and the application moves to underwriting stage again The credit agencies and the bureaus maintained for the Application Category are displayed in this screen You can capture the remarks and recommendations from these agencies in this tab You can also view the credit report obtained from the agencies and bureaus Credit Details Customer Id The identification of the finance customer gets displayed here Bureau The credit bureau maintained for the Application Category in Application Category Maintenance
57. e A maximum of 35 characters are allowed in this field Liability Branch Specify the branch in which liability is associated i ORACLE Liability Currency Specify the currency with which the liability is associated This cannot be changed post authorization Overall Limit Specify the overall limit amount for that liability Value entered in the field will be in the currency stated above If liability is of customer group then overall limits stated will be common to all the customers Line 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 By linking a Credit Line to a Liability code the customer also gets linked to the Credit Line This is true because a Liability code has been assigned to every credit seeking customer and the credit facilities granted to the customer are defined and tracked against this code Line Serial Each time a customer line code combination is specified Oracle FLEXCUBE ELCM system assigns a unique serial number to the combination This 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
58. e The score determines the price ID to be automatically applied Click Apply button to apply the selected price ID to the finance The details related to the finance offer like the number of installments finance branch frequency unit profit rate etc are displayed here Select the required offer by clicking the Check option and click then click the Apply button to apply the selected finance offer The details corresponding to the selected finance offer are displayed in Finance Details section You can modify these details if required and click Apply button to calcualte the schedule details The offers maintained at the category level is displayed in the multiple offers block The system compares the number of installments frequencies and unit with the value in the requested tab at application entry stage The rate in the offers block is compared with rate maintained in the pricing Id The system applies that offer which matches with the mentioned criteria in the offer block If the offer fails to match then a new row is added which will take its value from the pricing ID Hamish Jiddayah The system displays the calculated Hamish Jiddayah amount from the entry stage If the value is not given in the entry stage then the Hamish Jiddayah Amount gets calculated based on the Hamish Jiddayah Hamish Jiddayah The system captures the Hamish Jiddayah percentage value This value should not be a negative value Howe
59. e obtained from the customer In this stage the application and applicant information captured as part of the previous stages undergoes a final verification Users belonging to user role CMROLE are authorized to perform these tasks ORACLE You can key in the Finance application details required in Ijarah Document Verification screen islamic ljarah Document Verification X les Save M Hold Application Category Lead ld Application Number z Product Code Enquiry ID User Reference Description Application Priority Low Application Branch 000 Application Status Application Entry Application Date 2011 01 04 EM Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing Component Charge Investigation Comments Asset Details Channel KYC Required External Credit Check Intermediary Group Auto Decision Required Required Applicant Details 10f4 Es Type Existing Local Branch Customer No Default ShortName Customer Name Nationalid Responsibility Liability RMID RM Name m TE m Country FirstName Power of Attorney Nationality Middle Name Power of Attorney Language Last Name gade N ne T SSN Salutation Mr Addre Address Customer Category Gender Male Financial Currency Birth Place Country roupande Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code a Mothers Maiden Name Telephone Number Work Phone ISD Eita Marital Status Married
60. een to acquire the next stage of the task The system displays the information message as xxx Acquire Successful Click Ok to proceed to the next stage which will again be the underwriting stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Ijarah Finance Underwriting Stage screen The system will invoke the external valuation agency for vehicle evaluation You can view the details in the collateral tab In the collateral tab click the Evaluate button The system will check for the data within the FLEXCUBE database If there are none for the corresponding 218 ORACLE vehicle it will try to obtain the details from the external agency and display them in the Vehicle Evaluator screen Vehicle Evaluator Application Number IslamicijarahAccountS4 Vehicle Details Valuation Source N Identification Number undefined Year Make undefined Vehicle Valuations Wholesale Value Retail Value Usage Value Vehicle Attributes 10f1 _ Attribute Description Attribute Code Attribute Value Vehicle Id 77874 Collateral Code Model undefined Body undefined Usage undefined Attribute Value Total Value Package included Selected In this s
61. ents Specify the number of installments associated with the finance Units Select the units based on which the finance disbursement should be carried out The following options are available in the option list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly e Bullet Frequency Specify the frequency at which the finance disbursement should be carried out Rate Specify the profit rate to be associated with the finance Rate Code Specify the rate code used to derive the profit rate or select the rate code from the option list provided Spread Specify the spread that is applicable for the finance being offered Effective Rate The effective profit rate gets displayed here based on the profit and the spread specified Default Check this box to indicate if the finance offer specified should be maintained as the default offer for the application category 2 24 ORACLE 2 13 2 Agency Tab In Agency tab you can capture the details of the credit rating agencies and credit bureaus that provide credit rating details for customer securities EA save lt M Hold Application Category Application Type Retail gt Category Description Rule id Ratio Id Pricing Group A L p Main Agency Credit Agency 10f1 F Agency Code Agency Name Ea Bureau Details 101 hl 7 Bureau Code Bureau Call Priority FE EE Maker Date Time M
62. er of Aitomey Language FE Panan Holder Name SSN Salutation Mr v Address Customer Category la Gender Male v Financial Currency m a diks Se Country Soe Came ae Birth Country Ga Nationality EJ Home Phone ISD 25 Date of Birth E Telephone ISD Code LI m kei a Mothers Maiden Name iS Telephone Number ork Phone ISD ae L Work Phone Marital Stalus Mamad bs Account Details Mobile ISD Code al Dependents Account Branch Mobile Number Corporate Details Account Class laa Email E Date iB Account Number FE Fax ISD Code Capital Default Fax Net Worth US Resident Status Passport Number i Business Description E Passport Issue Date es Country PE o Koronan US Resident Passport Expiry Date EA H Visited US in last 3 years m J Documents Multiple Asset Customer Dedupe Finance Dedupe Customer MIS Customer AccountMIS Customer Account Fields Previous Remarks Remarks Audit The Application Number is automatically generated by the system You can capture the following details in the main screen Application Category Specify the finance application category to be used or select the application category from the option list provided Product Code PRESAN idep NERLdUCE 4B used for initiating the finance or select the product code from Specify the lead Id of the finance applicant or select the lead Id from the option list provided Enquiry ID Specify an enq
63. ere for selection City Select the city where the equipment is from the option list The different cities that you have maintained using the Limits Type Maintenance screen will be listed here for selection Country Select the country where the equipment is from the option list The different countries that you have maintained using the Limits Type Maintenance screen will be listed here for selection Owners Specify the name of the person who owns the equipment Description Enter a description for the equipment Currency Specify the currency of the account Downpayment Specify the amount paid as down payment Asset Finance Amount Specify the amount financed for the asset Specifying Seller Details Vendor Code Select the vendor code from the option list All the vendor codes maintained using the Vendor Maintenance screen is listed for you to select Vendor Name The vendor name corresponding to the vendor code selected is displayed here Selling Date Specify the date on which the equipment was sold Invoice Date Specify the date on which the invoice was created Invoice Number Specify the invoice number here Specifying Balance Details Outstanding Principal The outstanding principal on the account for this equipment is displayed here Outstanding Profit The outstanding profit on the account for this equipment is displayed here 200 ORACLE 2 16 24 Specifying Evaluator Details
64. eria e Effective line amount basis will be defaulted from the template e Effective line amount basis will be made as a mandatory field e Effective line amount basis will be allowed to change only before first authorization of line The Effective Limit Amount can be modified only before the first authorization of the Line Additional Line Amount Enter the effective line amount Pool Details 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 Pool Description Specify a brief description of the collateral pool here Pool Currency Specify the currency in which the Collateral Pool has to be maintained Pool Amount The entire Collateral Linked amount will be displayed in this field 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 Collaterals Tab You can capture the details related to the collaterals provided by the customer in this tab 201 ORACLE islamic Ijarah Loan Application Entry X H save df Hold Application Category IJAC1 a7 Lead id asl Application Number IslamicljarahAccount37
65. essage stating that the task is successfully completed on saving the record To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task which will be the underwriting stage again The system displays the information message as xxx Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Ijarah Underwriting screen The system will invoke the external valuation agency for credit evaluation You can view the details in the bureau tab This includes the score assigned by the agency for the customer In this screen you can view the information available for the customer by clicking the Report button under the field Status in the External Credit Rating section If the information is available the status is updated to COMPLETED in the collateral tab If it does not match then the status is updated to NO DATA On
66. etails in Auto Decision screen x 1 Auto Decision Credit Decision 10 AUTO REJECT EJ 20 RECOMMEND REJECT 30 RECOMMEND APPROVE 40 AUTO APPROVE EJ Specify the following details Serial Number The system displays the serial number ae ORACLE 2 6 2 7 Score Specify the maximum credit score of the finance applicant for the system to make the corresponding auto decision The score is maintained based on the Risk Factor maintained in Rule details screen Auto Decision Specify the auto decision to be made for each credit score You can maintain the maximum credit scores for each of the following decisions e Auto Approved e Recommend Approval e Recommend Reject e Auto Rejected While creating finance based on the applicant s credit score and auto decision mapping maintained in here the system decides whether to approve reject recommend approval or recommend rejection of the application Viewing Credit Rule Summary You can view a summary of the credit rules in Rule Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Rule Maintenance C Advanced Search Reset Authorization Status X Record Status X Rule Id ba Records per page 15 v 10f1 Authorization Status Record Sta
67. etnaeeeeenetae 2 57 2 16 18 Specifying Insurance Details ccccccceeceeeeeeee eee enneeeeeetnaeeeeeetnaeeeenenea 2 58 2 16 19 Specifying Balance Details cccccccccteeeee ett nneeeeetnneeeeeeenaeeeeeetnaeeeenenae 2 58 2 16 20 Equipment ASS t 0 2 civesssaraasesied aaadgensasceae haadndeaeetbi deste sad idowas inian e 2 58 2 16 21 Specifying Equipment Detalls 1 c ccccccccccceeeeeeteeceeeeeeeeeeeeteteeesensnsaeeees 2 59 2 16 22 Specifying Seller Detalle ereire riin ariken EEEE EEE Era TETEE ETE 2 60 2 16 23 Specifying Balance Details s e nessereesrreererrnnnnerrrrenrnrnnnneerrrrnnrrennnneernnas 2 60 2 16 24 Specifying Evaluator Details c ccccccccesteeeeceeenneeeeeeesnneeeeeeeenaeeeeeeenaas 2 61 2 16 25 Properly ASSO sic 8 gene nities sate deeded ie AS AEF 2 61 2 16 26 Capturing Property Details cccccccceceeeeeeeteteeeeeetnneeeeeeetnaeeeeeetnaeeeeentaea 2 62 2 16 27 Specifying Vendor Detalls ccccccccecccecsenseeeeeeesnneeeeeeesneeeeeeeenaeteeenenaas 2 63 2 16 28 Specifying Amount Detallls 0 cccccccecccecscseeeeeceeenneeeeeeeeneeeeeeeenaeeeeeneaaas 2 64 2 16 29 Specifying Insurance Details esseeeserrererernnrseerrrnnerrnnnrrnerrrnnrrnnnnnrerrene 2 64 2 16 30 Specifying Evaluator Details 0 ccccccccesseeeceeenneeeeeeeeneeeeeeeenaeteeenenaas 2 64 2 16 31 Specifying Balance Details ccccccccceeeeeetenneee eee tnneeeeeetnneeeeeetnaeeeenteae 2 64 2 16 32 COmmenS Tab sh
68. f there is no fixed asset product linked to the finance product then the application does not move to this stage 2 99 ORACLE Cc CSCDOCUP__CVS_MAIN__TAB_ MAIN eee 2 66 O ORCISLEA__CVS_MAIN 2 59 ORCISLPA__CVS_MAIN 2 61 ORDCATMMT osien 2 22 ORDCATMT__CVS_ MAIN__TAB_AGENCY 2 25 ORDCATMT__CVS_MAIN__TAB_ MAIN ee 2 23 ORDDOCMT ee 2 19 ORDDOCMT__CVS_MAIN 2 20 ORDIJAAE osoen 2 35 ORDIJAAE__CVS_MAIN__TAB_COL LATERAL necnon 2 52 ORDIJAAE_CVS_MAIN_TAB_COM MENT Sirriam 2 65 ORDIJAAE__CVS_MAIN__TAB_CUS TOMER iesiri 2 36 ORDIJAAE__CVS_MAIN__TAB_DE TAIL aviivies tenis 2 44 ORDIJAAE__CVS_MAIN__ TAB _FI NANCIAL oeer 2 45 ORDIJAAE__CVS_MAIN__TAB_LINE 2 49 ORDIJAAE__CVS_MAIN__TAB_RE QUESTED ee 2 48 ORDIJAAR__CVS_MAIN__TAB_CUS TOMER 0 eee 2 94 ORDIJAAV__CVS_MAIN__TAB_CUS TOMER 0 eee eee 2 69 ORDIJADV__CVS_MAIN__TAB_CUS TOMER iaieiiea 2 96 ORDIJAKE__CVS_MAIN__TAB_CUS TOMER iiccietn nec ce 2 74 ORDIJAKI_ CVS _MAIN__TAB_CUS TOMER tiiictecee eel cot eers tessa 2 71 ORDIJAMV__CVS_MAIN__TAB_CUS TOMER ses ceceeercnteeterent 2 70 ORDIJATM__CVS_ACNO 2 42 ORDIJAUD__CVS_MAIN__ TAB_BU REAU cise ce eet 2 81 ORDIJAUD__CVS_ MAIN__TAB_CHARGES 2 91 ORDIJAUD__CVS_MAIN__TAB_COL LATERAL 0 eee 2 77 ORDIJAUD__CVS_MAIN__TAB_COM 3 Function ID Glossary MENTS oai 2 92 ORDI
69. for the vehicle or all of the following fields e Year e Make e Model e Body e Usage Valuation Source Select the valuation source from the adjoining drop down list The options are e INTERNAL e NONE Select INTERNAL if you wish the evaluation to be done by interfacing with an external agency Status Select the status from the adjoining drop down list The options are e REQUIRED e PENDING e COMPLETED e NOT REQUIRED e NOT AVAILABLE The evaluation will be done only if the valuation source is selected as INTERNAL and the status is RECOMMENDED For any other combination of values for the two fields the system will display an error message and will not proceed with the evaluation till the values are set as specified above After entering the required details select VERIFY as the Outcome and click Save If you have indicated that evaluation should be done you will not be allowed to select PROCEED or CANCEL as the Outcome till the verification has been successfully done The system will display a message stating that the task is successfully completed on saving the record To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the scr
70. g ORSLEADM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Loan Prospect details E gt Search Advanced Search D Reset 4 Clear All Case Sensitive Authorization Status taal Record Status Request ID a Application Type Loan Type Branch Records perpage 15 10f1 Authorization Status Record Status Request ID Date of Request Leadia Application Type Customer id Lo You can specify any of the following details to search for a record e Authorization Status e Record Status e Lead Id e Date of Enquiry Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Credit Rating Rules You can maintain a set of questions along with a possible set of answers with associated scores to assess the credit rating of a prospective finance customer You can also calculate the risk factor associated with the finance and arrive at a credit grade based on the scores obtained You can maintain these details in Rule Details screen You can invoke this screen by typing ORDRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button zs ORACLE 2 5 1 Rule Maintenance E New E3 Enter Query Rule Id J New Route Account Description Type Retail Eg Risk Factor Question Deta
71. g Application Entry stage the based on the applicant credit score auto decision mapping maintained in Auto Decision screen the system decides whether to approve the finance or not The system makes one of the following decisions in that case e Auto Approved a ORACLE e Recommend Approval e Recommend Reject e Auto Rejected If the auto decision made by the system is Auto Approval you can skip the finance approval stage If the auto decision made by the system is Recommend Approval or Recommend Reject you need to manually verify and confirm the decision at this stage If the auto decision made by the system is Auto Reject then the application moves back to the application entry stage If any price group is associated with the application category then the system will apply auto pricing after proceeding the Application Entry stage by considering the default Price ID linked to the pricing group Further based on the selected finance offer the finance is applied and schedules are defaulted However at underwriting stage the underwriter may proceed or re apply the finance by selecting a different finance offer Any advices maintained for this stage are generated after the completion of the stage Step 8 Document Verification Stage In the Document Verification stage the documents captured in the previous stages are verified It is ensured that all documents in the checklist maintained ar
72. g details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided Application Category Specify the category to which the finance application belongs or select the application category from the option list provided Type Select the type of the finance from the following options available e Retail e Corporate e Ijarah e Istisna e Mudarabah e Murabaha e Musharaka e Tawarooq Stage Select the stage of the finance origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Finance Approval etc ORACLE 2 10 Description Specify a suitable description for the finance origination stage Overrides Here you can capture the details of the conditions to be checked for generating override messages Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Error Code Specify the error code to be used to generate the override message or select the error code from the option list provided Error Parameter Specify the error parameter to be substituted in the override messages Elements Specify the data elements to be used to define the conditions for generating override messages or select t
73. gets displayed here Status Select the status for the credit bureau check from the following options in the drop down list e Completed e Pending Remarks Specify remarks if any associated with the finance application External Credit Rating External Agency Specify the external agency that you want to use for the evaluation If you do not specify a value here the system will display an error message ap ORACLE Recommended Select the recommendation of the credit agency for the finance requested from the following options provided in the drop down list e Recommended e Not Recommended Remarks Specify remarks if any associated with the finance application Status The following statuses are available e Required e Pending e Completed e Not Required e Not Available The evaluation will be done only if the external agency has been specified and the Recommended field has the value Recommended status is RECOMMENDED For any other combination of values for the two fields the system will display an error message and will not proceed with the evaluation till the values are set as specified above After entering the required details select VERIFY as the Outcome and click Save If you have indicated that evaluation should be done you will not be allowed to select PROCEED or CANCEL as the Outcome till the verification has been successfully done The system will display a m
74. have been stored for the corresponding finance proposal are displayed here You can modify them if required Islamic Ijarah Underwriting E New E3 Enter Query Workflow Reference Priority Low x Application Category LeadId Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch Application Status Application Entry Application Date Applicant Details Type Primary v Local Branch Customer No Customer Name Main Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing efulyutuy Charge Investigation Comments Asset Details Component Name Main Component 10f1 Component Currency Capitalized Emade Shada e Liquidation Mode Auto o AE Senet Au Waive Dishurse Details Verify Funds Schadule Details Schedules 1 Of1 Schedule Type Schedule Flag Formula FirstDue Date No of Schedules Frequency Units Schedule StartDate EndDate F Payment Normal Monthly Fz m 1 lt m Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS MIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Prev Remarks Remarks Audit The following details related to the schedule are displayed here e Component name e Schedule type e First due date 20 ORACLE e Number e Frequency e Units e Amount For each co
75. he Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task The system displays the information message as xxx Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Ijarah Approval screen Step 7 Finance Approval Stage In the Finance Approval stage the approver verifies the finance application analyzes the applicant s financial status credit rating and field investigation reports and based on the credit worthiness of the customer approves the finance offered to the customer You can key in the finance application details required in Ijarah Application Approval screen one ORACLE Users belonging to user role CMROLE are authorized to perform these tasks Islamic Ijarah Loan Approval X les Save M Hold Application Category Leadid Application Number a Product Code Enqu
76. he application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory If the application details are verified successfully the approver can proceed with the processing of the application by selecting PROCEED as the Outcome The approver can select RETURN to return the process to previous stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the information message as xxx Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Islamic jarah Finance Document Verification screen If you have checked the option Auto Decision Required durin
77. he currency in which the customer draws his income or select the currency from the option list provided Amount Specify the amount that the customer draws as his income a ORACLE Frequency Select the frequency at which the customer earns income The following options are available in the drop down list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Liability Details You can capture the following details corresponding to the finance applicant s liabilities Liability Type Select the type of the liability from the following options provided in the drop down list e Finance e Lease e Rent e Others Liability Sub Type Specify the sub type corresponding to the liability Frequency Select the frequency at which the customer pays his liability amount The following options are available in the drop down list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Amount Specify the amount that the customer pays as his liability Account Balance Specify the balance associated with the liability account Start Date Specify a start date for the liability or select the start date by clicking the Calendar icon End Date Specify an end date for the liability or select the end date by clicking the Calendar icon Asset Details Type Select the type of the asset from the following options available in the drop down list e Vehicle 246 ORACLE 2 16 8 e Home
78. he element from the option list provided Functions Select the mathematical function to be used to define the condition from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the conditions for generating override messages Operators Select the mathematical operator to be used to define the conditions for generating override messages You can select or f Logical Operators Select the logical operator to be used to define the conditions for generating override messages You can select lt gt lt gt gt lt AND or OR Viewing Override Summary You can view a summary of the overrides in Override Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSOVDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 28 ORACLE 2 11 Override Maintenance Authorization Status Record Status Process Code az Application Category Advanced Search Records per page 15 v 1 Of 1 Authorization Status Record Status Process Code Application Category You can specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search fo
79. he system You can select the appropriate one Requested Amount Specify the amount requested corresponding to the itemization specified Tenor In Months Enter the tenor in months Rate Enter the profit rate for the finance Hamish Jiddayah Specify the amount paid as Hamish Jiddayah Promotion Id Specify a unique 4 character alphanumeric code to identify the promotion in the system No of Installments Specify the requested Number of Finance Installments Schedules Frequency Specify the requested Finance Schedule Frequency Unit as the requested Finance Schedule Frequency Unit Basis from the adjoining drop down ist The system defaults the values of the following in the loan block in the underwriting stage e Noof installments e Frequency e Unit 246 ORACLE 2 16 9 Financing against Salary Check this box to indicate that the finance should be associated with the applicant salary account Financing Purpose Give a brief description on the purpose of financing Itemization Details Itemization Specify the tenor itemization that is required For example you can specify the itemizations like Booking Amount Payment Interiors etc Amount Specify the amount requested corresponding to the itemization specified Comments Give your comments if any corresponding to the itemization Limits Tab You can capture the details related to the limits provided by the customer in this tab
80. ication Date 2011 01 04 Main Details Financial Requested Limit Collateral CreditScore Bureau Ratio Financing Component Charge Investigation Comments Asset Details Pricing PricingID SC_P4 FE Apply Multiple Offers t 101 HEE A Offer Id No of installments Frequency Unit Rate Rate Code Check Apply A J UAOFF11 E 6 3 Quatery v 1125 i g WAOFF12 B1 1 Bulet v 10 a A Financing Details Branch 000 a3 Value Date 2011 01 04 E No ofInstallments 12 Account Number Maturity Date E Frequency 1 Financing Currency GBP a3 Installment Start Date B Unit Daily v Financing Amount 1 000 00 Status Change Mode Auto v Hamish Jiddayah F Close Collateral Property Handover Hamish Jiddayah z End Construction Date E Property Handover Date B y if x m 7 Documents Multiple Asset KYC Review CustomerDedupe FinanceDedupe CustomerMIS CustomerAccountMIS Customer AccountFields x Vehicle Evaluator Bureau Report Finance MIS Finance Fields Previous Remarks Remarks Audit Outcome e Specify the following details 299 ORACLE Pricing ID Based on the formula maintained in Pricing Maintenance screen the system automatically applies a price ID to the application However you can apply a different price ID that matches the application You can select a different price ID from the option list If you change a price ID selected by the system and reapply a different price ID the system changes the score of the pricing rul
81. ils 10f1 Question Id Category Question E Answer Details 10f1 Sequence Number Possible Answer Score a Rating Auto Decision Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the following details in this screen Rule Id Specify a unique identification for the credit rating rule Description Specify a suitable description for the credit rating rule Typ e Corporate Main Tab You can maintain the following details in this tab Question Details Question Id The question Id is automatically generated by the system Category e e Select the type of the finance from the following options available Retail Select the category to which the question belongs from the option list provided Question Specify the question to be asked to the prospective customer to derive the credit rating score Answer Details Sequence Number The sequence number is automatically generated by the system 2 9 ORACLE Possible Answer Specify a set of possible answers to be associated with a question Score Specify the score associated with an answer 2 5 2 Risk Factor Tab You can specify the risk details associated with the finance and also indicate the formula for calculating the credit score in this tab Rule Maintenance E New Enter Query Rule Id 7 New R
82. in Ijarah Underwriting screen After ascertaining the eligibility of the customer the bank provides multiple finance offers for the borrower and uses one offer chosen by the customer to generate payment schedule and schedule details The advices that are maintained for the stage are generated on completion of the stage In this stage the bank also conducts vehicle evaluation based on the details that have been captured at the Application Entry stage This evaluation can be done with details from an external agency in the collateral tab 21 ORACLE 2 16 34 Collateral Tab You can carry out the evaluation of vehicles in the collateral tab Here the details provided as part of the Application Entry stage are defaulted which you can modify The evaluation can be done by interfacing with external agencies islamic Ijarah Underwriting New amp Enter Query Workflow Reference Priority Low Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch Application Status Application Entry Application Date Applicant Details Type Primary Local Branch Customer No Customer Name Main Details Financial Requested Limit e Collateral Details Start Date Revaluate Collateral End Date Revaluation Date Collateral Category Revision Date Collateral Type Normal Charge Type Mortage Linked Percent Utilization O
83. inancial Ratios Applicant Credit Score Applicant Bureau Report Finance Offers Finance Schedules FINANCE Charges Field Investigation Document Capture Finance Approval Information captured during Previous stages are verified Advice Generation Document Verification Information captured during Previous stages are verified All documents obtained are verified against checklist Customer Customer Account Contract Collateral Creation Customer Creation Customer Account Creation aean ORACLE 2 16 1 Finance Account Creation Collateral Creation Advice Generation User Acceptance Disbursement of ljarah Manual Liquidation Asset Capture The various tasks carried out in these stages will be explained in detail in the subsequent sections Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow 2 31 ORACLE ORACLE 2 32 2 16 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 Application Entry The following details are ORDIJAAE PROCEED captured as part of this CANCEL stage Application Details Applicant Details Requested Finance Details Lim
84. iry ID User Reference Description Application Priority Low Application Branch 000 Application Status Application Entry Application Date 2011 01 04 tein Details Financial Requested Limit Collateral CreditScore Bureau Ratio Financing Component Charge Investigation Comments Asset Details Channel KYC Required External Credit Check Riemadiog Goup Auto Decision Required eee Applicant Details 10f1 HS lp Type Existing LocalBranch CustomerNo Default ShortName Customer Name Nationalid Responsibility Liability RMID RMName m m Country First Name Power of Attorney Nationality Middle Name Power of Attorney Language Last Name Holder Name SSN Salutation Mr prea Customer Category Gender Male Financial Currency Birth Place Country Group Code Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code Home Phone Mothers Maiden Name Telephone Number ii oios iaa Marital Status Married Work Phone Married Account Details Mobile ISD Code Sa Account Branch Mobile Number Corporate Details Account Class Email Date Account Number Fax ISD Code Capital P s Net Worth US Resident Status SAS PORTNATUIOE Business Description Passport Issue Date ais Permanent US Resident a at im b Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer AccountFields a Previous Remarks Remarks Audit The approver can send t
85. is an existing customer of the bank Local Branch Specify the local branch home branch of the finance applicant Select the appropriate one from the option list Customer No The system displays the customer number However you can modify it For existing customers you need to select the customer number from the option list provided Click Default button to default the details of existing customers The system defaults the customer number if the local branch is specified and the check box Existing remains unchecked Default On clicking the default button after specifying the customer number the system displays the existing customer number On clicking the default button without specifying the customer number the new customer number gets defaulted If the branch code is not specified then the application branch gets defaulted Short Name Specify the short name of the applicant Customer Name Specify the customer name National Id Specify the country of which the customer is a national or select the country code from the option list provided Responsibility Specify the Co Applicant s Responsibility for all parties other than primary Applicant Liability Specify the liability for all parties other than primary applicant RM ID Select the ID of the Relationship Manager from the adjoining option list RM Name Specify the name of the Relationship Manager of the finance applicant 238 ORACLE
86. its Information Collateral Details Check List User Defined Fields and Comments Document Capture 2 Application Veri The details captured as ORDIJAAV PROCEED fication part of Application RETURN Entry stage is verified CANCEL 3 Application Man The details captured as ORDIJAMV PROCEED agement Verifi part of Application RETURN cation Entry stage is verified if CANCEL approval level is more than 1 4 Internal Blacklist The Customer details ORDIJAKI PROCEED Check captured as part of CANCEL Application Entry stage can be verified for Inter nal Blacklist check 5 External Black The Customer details ORDIJAKE PROCEED list Check captured as part of CANCEL Application Entry stage can be verified for External Blacklist check 6 Underwriting The following details are ORDIJAUD VERIFY ca as part of this PROCEED g RETURN Applicant Financial CANCEL Ratios Applicant Credit Score Applicant Bureau Report Finance Offers 2 33 ORACLE Stage Stage Title Description Function Id Exit point 7 Finance Finance Approval ORDIJAAR PROCEED Approval RETURN CANCEL 8 Document Verifi Document Verification ORDIJADV PROCEED cation Final Verification PETUR CANCEL Customer Creation Finance Account Crea tion Advice Generation 9 Customer The system task is used ORDIJMCU PROCEED Account Liabil to create the following ity Finance Collate
87. le is confirmed the system will trigger the disbursement of Ijarah based on the value date If the sale is rejected the system will display the asset detail capture detail Step 12 Manual Liquidation Stage oat ORACLE Manual Liquidation is possible only if disbursement is done ijarah Manual Liquidation X H save Mi Hold Application Number Application Date 2011 01 04 m Status Manual Liquidation v Account laz Product Branch Code Customer Id Product Description i Event Sequence Number aN Penalty Rates Check List Value Date 2011 01 04 m Main Interest Rate Mudarabah Execution Date 2011 01 04 E3 Installment s LBL_GROSS_PROFIT Limit Date E LBL_EXCESS_PROFIT LBL_CUST_INCENTIVE LBL_BANKS_ADD_PROFIT Payment Details 10f1 55 E Reversed PaymentMode Settlement Currency SettlementAmount Financing Currency Equivalent Original Exchange Rate Exchange Rate Settlem lt m r Component Details 10f1 D E E ComponentName Currency AmountDue AdjustmentDue Amount Overdue AmountNotDue Amount Waived Amount Capitalized Amount Paid m r Fields Previous Remarks Remarks Audit If everything is found acceptable select the action PROCEED in the textbox adjoining the Audit button in this screen and the process is completed Otherwise the process displays the following
88. lections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Credit Scores Score Model Score Factor Score 2 16 38 1 Capturing Loan MIS Details You can capture the Finance MIS details by clicking Finance MIS button in Ijarah Finance Underwriting screen The Finance MIS screen gets displayed where you can capture the details Loan mis Application Number IslamicMudarabahAccou gt Product MUDM Eltink To Group Loan Account Number 0OOMUDM12065021 Loan Branch 000 Financing Currency GBP Detaut Link To Group Related Reference Related Account Retated Account Related Reference MIS Head Interest Method Reference Rate Pool Code Transaction MIS Composite MIS Fund Mis MIS Group MIS Group MIS_GRPt MIS Group Transaction MIS 1 a Composite MIS1 PAUL E Fund MIS 1 Transaction MIS 2 Composite MIS 2 Fund MIS 2 Transaction MIS 3 Composite MIS 3 Fund Mis 3 Transaction MIS 4 Composite MIS 4 Fund MIS 4 Transaction MIS 5 Composite MIS 5 L Fund MIS 5 Transaction MIS 6 Composite MIS 6 J Fund MIS 6 Transaction MIS 7 Composite MIS 7 Fund MIS 7 an uon AIS a D Le AUS 8 d BS S 2 16 38 2 Capturing Loan UDF Details You can capture the Finance UDF details by clicking Finance Fields button in Ijarah Finance Underwriting screen ze ORACLE The Finance UDF screen gets displayed where you can capture the details Loan Fields Application Number Islam Mushar
89. lication Entry H save Hold Application Category et Leadid laz Application Number IslamicljarahAccount37 Product Code a7 Enquiry ID a7 User Reference 2 Description ljara Financial with ass Application Priority Low Application Branch 000 Application Status Application Enty Application Date 2011 01 04 Applicant Details Type Primary bd Local Branch 000 CustomerNo 000006150 Customer Name Main Details Financial Requested Limit Collateral Comments Income Details 10f4 V Income Type Frequency Currency Amount a W Salay Monthy ae Liability Details 1 Of 1 Ez 7 Liability Type Liability Sub Type Frequency Currency Amount Account Balance Start Date End Date gt Loan Monthy fas E fel Asset Details Vehicle Home 40f1 pra Make Address Line 1 Tye lvenes Model Address Line 2 i ad Manufacture Year Address Line 3 Asset Sub Type Body Width Description Reg Lenath i m Documents Multiple Asset Customer Dedupe Finance Dedupe Customer MIS Customer AccountMIS Customer Account Fields Previous Remarks Remarks Audit Income Details You can capture the following details corresponding to the finance applicant s income Income Type Select the type of income associated with the customer from the drop down list provided The following options are available e Salary e Rent e Business e Others Currency Specify t
90. ljarah Finance Origination eessseeeeeeeseireseeerrsssrirrresserrsssrtrrnssrrnnnnne 2 29 2 16 1 Process FIOW Dagan eia a A E 2 31 2 16 2 Process Matix ccccse ccc ceicsetaces teventececevuevie des eebebenenevuebbasedeeveneantelvunbendeceveel 2 33 2163 MAUD TAD EIEI EEA ATIN ENEE EEIEIE dete vais dade edi d dette vig leet deed 2 37 2 16 4 Check this box to indicate that the beneficial owner has visited US in the last three years Capturing Customer MIS 2 42 2 16 5 Capturing Customer Account MIS 0 cccecec eect eee tnne eee eeetnneeeeeetaaeeeenenae 2 43 2 16 20 Daas talr EAE A theeeshens AES AA 2 44 2167 PINANCIAIS LAD ei oE AEA ANONO AEON 2 45 2 16 8 Requested Tabria a ee ae ede 2 47 2 16 9 EMUS Tab sneha Reh A E EE E AAE eae 2 49 2 16 70 Collaterals Fab sareni a A EAA 2 51 2 16 11 Vehe Assal aicun anat rE N AOO A 2 54 2 16 12 Capturing Vehicle Information 0 c ccc et tteeeeeeentne cette tnaeeeeeetaeeeeenenae 2 55 2 16 13 Specifying Registration Details 0 0 cccccccccceceeeeceeenseeeeeetntneeeeeetnnaeeeenetee 2 56 2 16 14 Specifying Vendor Details ccccccccceccceeeesseeeeeeenneeeeseesneeeeeeeenaaeeeeesenaas 2 57 2 16 15 Specifying Amount Detallls 000ccccccccccecsecteeeecesenneeeeeeesneeeeeeeenaeteeeneaaas 2 57 2 16 16 Specifying Appraiser Detallls 22 ccccccccccceeeeceecnseceeeeeeeseeeeteteeseesstsaeeess 2 57 2 16 17 Specifying Total Amount Detalls eccccccceceeeeeeeteteeee eee tnnneeeee
91. me of the company from which insurance coverage is taken for the property Insurance Paid By Specify by whom the insurance for the property is paid Premium Amount Specify the premium amount to be paid for the insurance Insured Name Specify on whose name the insurance is taken Insurance Expiry Date Specify the date on which the insurance expires Specifying Evaluator Details Name Specify the name of the evaluator in this field Value Specify the evaluation value in this field Date Specify the date of evaluation in this field Specifying Balance Details Outstanding Principal The outstanding principal on the finance contract for this property is displayed here Outstanding Profit The outstanding profit on the finance contract for this property is displayed here EDA ORACLE Vendor Type Select the vendor type from the drop down list The options available are e C Contractor e N Consultant e P Project Manager Chosen By Select by whom the property is chosen from the drop down list The options available are e B Bank e C Customer Code Select the vendor code from the options list available Name The name of the vendor is displayed here Account Value Specify the value of the account here Date Specify the date of the contract here Construction Start Date Specify the date on which the construction of the property started Proposed Completion Date Specify the proposed date of comple
92. mponent of the components listed the system calculates and displays the details like the Due Date Amount Due EMI Amount and Amortized Principal 2 16 42 Charges Tab In Charges tab the system calculates and displays charges if any applicable Islamic ljarah Underwriting iNew E3 Enter Query Workflow Reference Application Category Product Code Description Application Branch Application Date Applicant Details Type Primary E Priority Low X Lead id Enquiry ID Customer No Application Number User Reference Application Priority Low Application Status Application Entry Customer Name Main Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing Component MERA Investigation Comments Asset Details Component Name Component Currency Effective Date Waive Due Date Amount Due Amount Waived Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS MIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Prev Remarks Audit The system calculates and displays the charge details associated with the finance The following details are displayed e Component Name e Event Code e Associated currency e Amount Waive Check this box to waive the charges associated with the finance 2 91 ORACLE 2 16 43 2 16 44 Investigation Tab In thi
93. neration enabled then the account number gets auto generated Account Class Specify the account class or select the account class of the customer from the option list provided Click Default button to view the account generation details through Customer Account Mask screen Customer Account Mask X Customer No Currency Account Class Account Currency Type Account Code Account Mask Mi r US Resident Status Permanent US Resident Status Check this box to indicate that the corresponding director is a permanent US resident Visited US in last 3 years Check this box to indicate that the beneficial owner has visited US in the last three years Capturing Customer MIS You can capture the MIS details for the customer if any by clicking MIS button in the Application Entry screen AA ORACLE The Customer MIS screen gets displayed where you can maintain the MIS details Customer MIS x Application Number IslamiclstisnaAccount4 MIS Group Default From MIS Group E Composite MIS Customer MIS Classes 1 Of 1 MIS Class MIS Code 10 Customer No 00006651 Local Branch 000 F Link to Group ChangeLog TransferLog 2 16 5 Capturing Customer Account MIS You can capture the MIS details for the Customer Accounts by clicking Customer Account MIS button in the Application Entry Screen The
94. od No Checker Record Status Date Time Authorization Status You can specify the following details in this screen Credit Agency You can capture the details related to the credit rating agencies here Agency Code Specify the identification code of the rating agency that provides credit rating details for customer securities Agency Name Specify the name of the rating agency that provides credit rating details for customer securities Bureau Details You can capture the details related to the credit bureau here Bureau Code Specify the identification code of the credit bureau that provides credit ratings for customer securities Bureau Specify the name of the credit bureau that provides credit rating details for customer securities eee ORACLE 2 14 2 15 Viewing Application Category Summary You can view a summary of the application categories in Category Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSCATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Category Details Authorization Status Record Status Application Category aq Application Type Records per page 15 v 10f1 Authorization Status Record Status Application Category Category Description Application Type You can specify any of the following details to search for a re
95. of the location where the property is located Emirate Select the Emirate where the property is by clicking on the option list The Emirates that you have maintained using the Limits Type Maintenance screen will be listed here for selection Area within Emirate Specify the area within the selected Emirate by clicking on the option list The different areas with Emirate that you have maintained using the Limits Type Maintenance screen will be listed here for selection Country Specify the country where the property Mortgage Degree Specify the degree of mortgage of the property Lot Number Specify the lot number of the property Specifying Vendor Details Vendor Code Select the vendor code from the option list All the vendor codes maintained using the Vendor Maintenance screen are listed for you to select Vendor Name The vendor name corresponding to the vendor code selected is displayed here 205 ORACLE 2 16 28 2 16 29 2 16 30 2 16 31 Specifying Amount Details Currency Specify the currency of the account Requested Amount Specify the amount requested for finance Downpayment Specify the amount paid as down payment Property Value Specify the value of the property here Insurance Value Specify the amount for which the property is insured Asset Finance Amount Specify the amount financed for the asset Specifying Insurance Details Insurance Company Select the na
96. or a combination of the following criteria e Customer Number e First Name e Last Name e Date Of Birth e Country 21 ORACLE e Internal e Internal Remarks e External e External Remarks e SDN status e Review Click the Query button to view all records that match the specified criteria If the customer details do not match any of the displayed records select the action CLEARED from the drop down list adjoining the Audit button Click the Save icon in the tool bar to save the record The system displays the information message as The task is completed successfully The Workflow Reference Number is xxx 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 Ijarah Underwriting screen Step 6 Underwriting In this stage the bank assesses the eligibility of the borrower for the requested finance offer based on the analysis of the borrower s financial ratios and credit scores The bank also obtains credit details from external agencies and field investigation agencies The tasks in underwriting stage are also carried out by the user role CMROLE You can key in the finance application details required
97. ormula button corresponding to a ratio Id The Formula screen is displayed where you can specify the condition for calculating the credit ratio associated with a ratio Id ae ORACLE 2 8 Formula Wizard Formula 1 Of 1 Ratio Type Condition Condition Builder E Stated Before Candlitinn Anilar You can specify the following details here Ratio Type Select the type of the ratio being maintained from the drop down list provided The following options are available e Stated Before e Stated After e Actual Before e Actual After Condition The condition specified using the Elements Functions Operators etc gets displayed here Elements Specify the data elements to be used to define the formula for credit ratio calculation or select the element from the option list provided Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit ratio calculation formula Operators Select the mathematical operator to be used to define the credit ratio calculation formula You can select or 7 Viewing Credit Ratio Summary You can view a summary of the credit ratios in Credit Ratio Maintenance screen You can also query for a particular record based on desired search criteria a9 ORACLE 2
98. oute Account Description Type Retail v Risk Factor tOr Risk Id Account Description Formula gt E Rating Auto Decision Maker Checker Date Time Date Time Mod No Record Status Authorization Status You can specify the following details here Risk Id Specify a unique identifier for the credit risk being maintained Description Specify a suitable description for the credit risk 2 5 2 1 Specifying Formula Details You can specify the formula to calculate the credit score by clicking the Formula button corresponding to a credit risk entry in Risk Factor tab The Formula screen is displayed where you can specify the condition for calculating the credit score associated with a risk condition a0 ORACLE 2 5 3 1 Of 1 E Sequence Number Condition Result Elements Index Functions Braces Operators Logical Operators You can specify the following details here Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Result Specify the result to be associated with the condition specified Elements Specify the data elements to be used to define the formula for credit score calculation or select the element from the option list provided Functions Select the mathematical function to be use
99. porate e CASA e Ijarah e Istisna e Mudarabah e Murabaha e Musharaka Current Status The system displays the current status New Status Select the new status from the option list Conversation ID Select the conversation ID from the adjoining option list Main Tab You can capture the following personal and geographical details related to a prospective customer Type Select the type of the customer from the drop down list provided The following options are available e Primary e Co Applicant Salutation Select the salutation preference of the customer from the drop down list provided You can select any of the following options e Mr e Mrs e Miss e Dr First Name Specify the first name of the customer Middle Name Specify the middle name of the customer ae ORACLE Last Name Specify the last name of the customer National Id Specify the national Id or country code of the customer or select the national Id from the option list provided Short Name Specify the short name of the customer Gender Select the gender of the customer from the drop down list Date of Birth Specify the date of birth of the customer or select the date by clicking the Calendar icon provided Mother s Maiden Name Specify the customer s mother s maiden name Customer Category Specify the category to which the customer belongs or select the customer category from the option list that displays all valid cu
100. pplication Category 25 Leadia Application Number IslamicljarahAccount37 C5 Product Code PE Enquiry ID User Reference Description ljara Financial with ass c5 Application Priority Low Application Branch 000 Application Status Apr Application Date 2011 01 04 Applicant Details Type Primary lt Local Branch 000 CustomerNo 000006150 Customer Name 5 main Details Financial Requested Limit Collateral Comments Address Details 101 BE Address Line 1 5 Country Adaress Line 2 oS Zip TEES TES earns Address Line 3 2 Contact Number Current Employment Details 30i re Address Line 1 5l Extension oe Address Line 2 o Contact Phone Ree a a Address Line 3 2 Contact Name r aren ia eon Be Country Contact Extension Occupation o Zip Comments i neni ene c gt Phone Number Department cs Employee Id 5 Documents Multiple Asset Customer Dedupe Finance Dedupe Customer MIS Customer Account MIS Customer Account Fields Previous Remarks Remarks Audit In this screen you can capture multiple address and employment details if required i ORACLE 2 16 7 Financials Tab You can capture the financial details corresponding to the customer in this screen islamic Ijarah Loan App
101. quested Applicant Details 1011 Esim Sequence Number Type Existing LocalBranch CustomerNo Default ShortName CustomerName Nationalid Responsibility Liability lt m ese City First Name SSN Country Middle Name Passport Number Nationality Last Name Passport Issue Date Language Salutation Passport Expiry Date ekee Paia Gender Existing Relationship Details inancial Currency Mobile Number Date of Birth Relationship Type Banin anii others Maiden Name Credit Card Number Era En Customer ID Account ean Dependents Number Preferred Date of Contact Preferred Time of Contact Any Time Documents Conversation Maker Date Time Mod No Checker Record Status Date Time Authorization Status You can specify the following details in this screen Lead Id Specify a unique identification for the prospective finance customer Description Specify a suitable description for the prospective loan customer Request ID The system generates the request ID Channel Specify the channel Promotion Code Specify the promotion code if any Branch Specify the branch code in which the application is processed ee ORACLE 2 3 1 Date of Request The system displays the current system date as the date of request New Account Number The system displays the new account number Application Type Select the application type from the adjoining drop down list The available options are e Retail e Cor
102. r a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Document Checklist and Advices You can maintain the list of documents that are required during the finance origination process in Documents and Advice Maintenance screen Document checklists are maintained for an application category and for the various stages in the origination process You can also maintain the details of the Advices that need to be generated on completion of a stage in the process You can invoke Documents and Advice Maintenance screen by typing ORDDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button azg ORACLE Documen t verify Maintenance x E New E3 Enter Query Application Category Process Stages 10f4 Stage Stage Document Details 10f4 E Document Category Document Type Mandatory iim Mandatory BI Advices 10f1 ReportName Description Template Type Format Locale Outcome Query PDF enus Checklist Details 10f1 E Sequence Number Checklistitem Mandatory a Maker Date Time Mod No Checker Record Status exe Date Time Authorization Status You can specify the following details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided
103. ral Crea Customer Creation tion Ijarah Account Creation Liability Creation Collateral Creation Finance Creation 10 User Acceptance The outcome of the ORDIJUAC ACCEPT User acceptance on REJECT sale confirmation of the underlying assets trig gers the ljarah origina tion in the next stage 11 Disbursement of If outcome of stage 13 N A Ijarah is ACCEPT the dis bursement of Ijarah for the underlying asset happens 12 Manual Liquida If outcome of stage 13 ORDIJPMT PROCEED tion is REJECT the manual CANCEL liquidation happens 2 34 ORACLE Stage Stage Title Description Function Id Exit point 13 Add to Inventory Based on the outcome ORDIJPRO PROCEED or Move to Stock of the User Acceptance CANCEL stage the manual liqui dation moving the asset to inventory is decided This stage is applicable only to a finance cre ated with products that have a fixed asset prod uct linked to it If there is no fixed asset product linked to the finance product then the application does not move to this stage The stages are explained in detail in the sections that follow Step 1 Finance Application Details Entry Stage In this stage the bank receives an application for finance along with the relevant documents and financial statements from a prospective customer If the applicant does not have an account but intends to open one the bank also obtains the account opening
104. rder Collateral Currency Linked Amount Commitment Product Haircut Collateral Branch Collateral Id Collateral Description Collateral Value Market Value Based Haircut Schedule Vehicle Details Security Id Pieti Number Of Units E Effective Date Haircut Nominal Value Vehicle ID Cap Amount a Vehicle Number Year Guarantor Based Make Guarantor Id Model Rating Body Usage Valuation Source None Valuation Status Not Required Covenant Details 101 Covenant Name Description Reversal Date Mandatory Grace Days Notice Days Due Date On Frequency p Monthly a m Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe Customer MIS MIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Prev Remarks Remarks Audit Outcome In this screen capture the following details Vehicle Details You can modify the details of the vehicle which is to be evaluated in the fields listed below Identification Number Enter the unique identification number associated with the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details Usage Specify the mileage used by the vehicle till date Aa ORACLE You can retrieve vehicle details from an external agency either by specifying the identification number
105. reau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report Id FirstName Report Date MiddleName Unique Id Last Name On File Date Birth Date Best Match summary1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Also Known As Id 4 10F1 gt FirstName MI LastName Suffix Spouse First Name iil gt Consumer Statements Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report Id FirstName Report Date MiddleName Unique Id Last Name On File Date Birth Date Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Consumer Statement 10f 1 Reported Date Text 2 85 ORACLE Credit Score Details Credit Bureau Report Application Number IslamicljarahAccount61 Customer No 00009388 Requested Id 7439 Bureau Code AGENT_CRISIL Report Header Bureau Credit Report id First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date _ Best Match Summary 1 Summary2 Trade Lines Public Records Col
106. record to invoke the following screen Islamic Ijarah External KYC Check H save lt i Hold Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch 000 Application Status Application Enty Application Date 2011 01 04 MEW Details Financial Requested Limit Collateral Comments Channel I KYC Required C External Credit Check i Required Intermediary Group Auto Decision Required i Applicant Details i 10f1 m Type Existing Local Branch Customer No Default ShortName CustomerName Nationalld Responsibility Liability RMID RM Name Country First Name Power of Attorney Nationality Middle Name C Power of Attorney Language Last Name SSN Salutation Mr gt Customer Category Gender male Financial Currency Birth Place Country Group Code Birth Country Nationality Home Phone ISD Date of Birth Telephone ISD Code Home Phone Mothers Maiden Name Telephone Number Work Phone ISD Marital Status Married Work Phone Mobile ISD Code aa seaman Account Branch Mobile Number Corporate Details Account Class Email Date Account Number Fax ISD Code Capital Fax Net Worth US Resident Status PASANUERARNOET Business Description Passnort Issue Date i e Permanent US Resident x m Documents Multiple Asset KYC Review CustomerDedupe FinanceDedupe
107. rvice Ijarah Equipment Application Number IslamicMurabahaAccount4046 10 1 gt fae Asset Status Active Asset Sequence Number 4 Vehicle Details Vehicle Condition Maker Code Year of Manufacturing Year Model Sub Model Engine Number Chassis Number Type NewAsset Asset Category Description Application Number Class Color No of Cylinders Registration Details Vendor Details Vendor Code Vendor Name Agent Name Agent Branch Agent Sales Name Registration Type Registration Name Registration Emirate Reg Registration Date Delivery Date Insurance Details Appraiser Details M Insured By Bank Appraiser Name Appraiser Value Appraiser Date Insurance Company Currency Premium Amount Amount Details Total Amount Details Requested Finance Amount Amount Hamish Jiddayah Amount Vehicle Value Maintenance Cost Insurance Amount Asset Finance Amount i ba n Here you can capture the following details Account Number The account number is defaulted from the Account Details Main screen Asset Sequence Number The system generates a sequence number for the asset and displays it here Status The status of the asset is displayed here The statuses available are Active and Settled During account initiation the status will be Active Once the prepayment of the asset begins the asset will be completely settled Then the status will change to Settled An a
108. s tab the system captures the field investigation details associated with the customer islamic Ijarah Underwriting ae H save Hold Application Category APCAT Leadid Application Number IslamicljarahAccount61 Product Code 1J79 Enquiry ID User Reference 000IJF3110040006 Description Ijarah G Application Priority Low Application Branch 000 Application Status Underwriting Application Date 2011 01 04 Applicant Details Type Primary Local Branch 000 CustomerNo 00009388 Customer Name t Main Details Financial Requested Limit Collateral Credit Score Bureau Ratio Financing Component Charge Investigation Comments Asset Details Invest 1 Of 4 BIS F Verification Type Agency Status Documents Multiple Asset KYC Review CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer AccountFields Vehicle Evaluator Bureau Report Finance MIS Finance Fields Previous Remarks Remarks Audit The following details related to the customer can be captured here e Verification Type e Verification agency You can view the investigation report associated with the customer by clicking the Report button Comments Tab In this tab you can capture the comments by the users islamic Ijarah Underwriting X HA Save gm Hod Application Category APCAT Leadid Application Number IslamicljarahAccount6 1
109. sset can only be completely settled No partial payment is allowed Capturing Vehicle Information Asset Type Select the type of asset from the drop down list The options available are e New New Asset e Used Used Asset 205 ORACLE 2 16 13 Asset Category Select the category to which the asset belongs from the option list This list displays all options maintained using the Limits Type Maintenance screen Application Number Specify the application number for the asset here Color Specify the color of the vehicle Class Specify the class of the vehicle Number of Cylinder Specify the number of cylinders for the vehicle This has to be a numeric value Vehicle Condition Describe the condition of the vehicle Vehicle Description Enter a description for the vehicle For example Car Van etc Make Select the code indicating the make of the vehicle from the option list All the vehicle maker codes that you have maintained in the Vehicle Maker Details screen are listed for selection Sub Model Select the sub model of the vehicle from the adjoining option list This list displays all models maintained using the Vehicle Maker Details screen Year Model Specify the year when the model was first launched Year of Manufacture Specify the year in which the vehicle was manufactured Engine Number Specify the engine number of the vehicle here This can be an alphanumeric value Chassis
110. stem will evaluate a business rule Based on that rule the system initiates both Internal KYC and External KYC during application entry and verification stage If you do not check this box the system then skips the Internal KYC and External KYC stages after completing the application entry and verification stages Auto Decision Required Check this box to enable auto decision on finance application If you check this box based on the applicant credit score auto decision mapping maintained in Auto Decision screen the system decides whether to approve reject recommend approval or recommend rejection of the application If you do not check this box the system will not make an auto decision with regard to approval of the application You can set the status of this check box only during Application Entry stage External Credit Check Required Check this box to enable external credit bureau service for credit evaluation of the finance applicant If you check this box the system will automatically initiate external credit check If you do not check this box the system will not initiate external credit bureau check The credit check initiation happens before underwriting stage aot ORACLE Applicant Details Type Select the type of the customer from the drop down list provided The following options are available e Primary e Co Applicant Existing Check this box to indicate if the customer applying for the finance
111. stomer categories Country Specify the country of domicile of the customer or select the country code from the option list provided Nationality Specify the country of which the customer is a national or select the country code from the option list provided Language Specify the primary language of the customer or select the language from the option list provided Mobile Number Specify the mobile phone number of the prospective customer Landline No Specify the land phone number of the prospective customer Office No Specify the office phone number of the prospective customer Fax Specify the fax number of the prospective customer Passport No Specify the passport number of the prospective customer Passport Issue Date Specify the date on which the customer s passport was issued or select the date from by clicking the adjoining Calendar icon Passport Expiry Date Specify the date on which the customer s passport expires or select the date from by clicking the adjoining Calendar icon aS ORACLE Passport Issue Place Specify the place where the customer s passport was issued E mail Specify the e mail Id of the prospective customer Dependents Specify the number of dependants for the customer Marital Status Select the marital status of the prospective customer from the drop down list The following options are available e Married e Unmarried e Divorcee e Remarried e Separated e
112. teral Details Collateral Branch Select the finance applicant s collateral branch from the adjoining option list Collateral ID Select the collateral ID from the adjoining option list Collateral Description Give a brief description on the collateral Collateral Currency Select the collateral currency from the adjoining option list Collateral Value Specify the collateral value Start Date and End Date Specify the tenor of the collateral using the Start Date and End Date fields The collateral is considered effective only during this period Collateral Category Select the collateral category from the adjoining option list ane ORACLE Collateral Type Select the collateral from the adjoining drop down list The options are e Market based e Guarantee e Normal Linked Percent Specify percentage of the part of the collateral amount which has to be linked to the pool Linked Amount Specify the part of the collateral amount which has to be linked to the pool Haircut Specify the bank s margin Haircut to be assigned for Collateral Haircut applied by the system as per the Haircut schedule would be displayed here Revaluate Collateral Check this box to revaluate the collateral Revaluation Date Specify the date on which the next revaluation has to be done Revision Date Specify the date on which this collateral has to be revisited for review Charge Type Select the charge type from the adjoining drop
113. tes 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 UMTMOMUCHON pp tecie Le bvsceet hecbivsee a a a dete 1 1 V2 Auden E oana r a A E O e cae whee TAA 1 1 1 3 Documentation Accessibility sseeeessneeeeeesniaessnnsersnrneesiinnansnnndadaenanndatninaneetannnnana 1 1 1A ABDeVaTONS oaas aR TART ta AAEE te a E AA R E a ea es 1 1 ko Agam ON a E T A E ASE 1 1 16 Related Document riren eren E E Gite elie Nel ee 1 2 TF Glossary OV lGONS aaar A al ddd Senn RA Gated Gt eee 1 2 2 Jarah OriQination ccc osetia eee oes ease 2 1 Ziu WNthOMUCtION NS Lees erar oelecatan hi a nine ete 2 1 2 2 Stages latvalises sy ies o a eect Bless epee ee ee ate 2 1 2 3 Maintaining Finance Prospect Details 0 cc cceeeceeeeeeeeeeeeeeeeeeeeeeeeeeeeeaaeeeeeeeaaees 2 2 2 909 MAN Tab aroia AE laden ainacd idan deedigiaesist dabei tide 2 3 23 2 Detalls Tab secciecccvccdteses veces irie riii anA ak Ei iea iaae AE AEREE 2 5 2 3 3 R g est d Tabone ea a that santa eaters eee ea eat ants 2 7 2 4 Viewing Finance Prospect SUMMA cece ee eeneeeeeeeeeneeeeeeetaeeeeeeeiaeeeeeeenaaes 2 8 2 5 Maintaining Credit Rating Rules 0 0 ceeeeeeeeeeeenneeeeeeeeeaeeeeeeeaaeeeeseenaeeeeeeeaaes 2 8 20081 MAIN TOD aera sinh a a a Aes a a aE ial ea ae nae Sets 2 9 29 22 RISK ACION TAD oe EE Noa Deets 2
114. that you have maintained using the Limits Type Maintenance screen will be listed here for selection Area in Another Country Select the area in another country where the property is by clicking on the option list The different areas in another country that you have maintained using the Limits Type Maintenance screen will be listed here for selection Plot Number Specify the plot number here Property Status Specify the status of the property financed Property Area Specify the area of the property Property Usage Specify the usage of the property here For example Primary Secondary etc Date of Completion Specify the date of completion of the property construction abe ORACLE 2 16 27 Title Deed Number Specify the title deed number This has to be an alphanumeric value Registered on Name Specify on whose name the property is registered Title Deed Issued From Specify from where the title deed was issued Registration Number Specify the registration number of the property here Date Specify the date on which the property was registered Title Deed Issue Date Specify the date on which the title deed was issued Villa Apartment Number Specify the number of the villa or the apartment Building Compound Name Specify the name of the compound in which the building is located Street Name Specify the name of the street in which the property is located PO Box Specify the post office box number
115. tion of the property 2 16 32 Comments Tab In this tab you can specify comments if any related to the finance application isiamic ijarah Loan Application Entry H save lt T Hold Application Category Leadid Application Number Product Code Enquiry ID User Reference Description Application Priority Low Application Branch Application Status Application Entry Application Date Main Details Financial Requested Limit Collateral Comments Documents Multiple Asset CustomerDedupe Finance Dedupe CustomerMIS CustomerAccountMIS Customer Account Fields Previous Remarks Remarks Audit Outcome You can specify the following details here 20 ORACLE 2 16 33 Sequence Number The sequence number is automatically generated by the system Comments Specify comments if any to be associated with the finance application Comment By The system defaults the name of the commenter Comment Date Specify the date on which the comment was given or select the date by clicking the Calendar icon Capturing Document Details You can capture the customer related documents in central content management repository through the Documents screen Click Documents button to invoke this screen Documents GEID Advices Checklist Document Upload 1 Of 1 z Document Category Document Reference Document Type Remarks Ratio Uplc
116. tomer Customer account is also created if information is captured for the same The system creates a Customer Finance Collateral Facility Account in Oracle FLEXCUBE with details captured from previous stages A user in manager level role handles this stage The creation of customer collateral and finance can be verified in ORDIJMCU screen a8 ORACLE Step 10 User Acceptance Stage In this stage based on the outcome of the previous stage the sale confirmation of Ijarah origination in the next stage Manual disbursement is done for the accounts created with a manual disbursement product For accounts created with auto disbursement products disbursement occurs on save of document verification stage ijarah User Acceptance H save lt i Hoid Application Number Application Date 2011 01 04 Application Branch 000 Status UserAcceptance Branch 000 Account Sale Date 2011 01 04 Remarks Audit Previous Remarks Remarks The system creates a task Manual Liquidation in the Reject task list Task Details z Search B Standard Acquired 0 Assigned 8 Completed 1 gt Pending 1 Supervisor 0 D Manda Figy a a Waar onda tO cates 00 kar Step 11 Disbursement of jarah Stage In this stage based on the outcome of the previous stage the disbursement of Ijarah for the underlying asset or moving the asset to inventory is decided If sa
117. tus Rule Id Account Description m You can specify any of the following details to search for a record e Authorization Status e Record Status e Rule ld Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Credit Ratios You can maintain the rules to calculate the credit ratios in Credit Ratio Maintenance screen You can invoke this screen by typing ORDRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button anig ORACLE 2 7 1 LMC Eligibility Ratio E New amp Enter Query Group Id F New Route Description Type Retail bd Ratio Id 1 Of1 a Ratio Id Description Formula EL ig Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the following details in this screen Group Id Specify a unique identification code for the ratio group Description Specify a suitable description for the ratio group Type Select the type of the finance from the following options available e Retail e Corporate Ratio Id Specify a unique identification for the credit ratio being maintained Description Specify a suitable description for the credit ratio Specifying Formula Details You can specify the formula to calculate the credit ratio by clicking the F
118. uiry Id if you wish to retrieve information on the finance offer selected by the customer You can also select the ID from the adjoining option list The list contains all the Enquiry IDs created for the customer as part of the finance simulation process Application Branch Specify the application branch Application Number System displays the application number of the customer User Reference Specify the user reference number for the finance application 236 ORACLE 2 16 3 Application Priority Select the type of priority from the drop down list provided The following options are available e Low e Medium e High Application Status The status of the application gets displayed here Click Default button to default the details related corresponding to the prospective finance customer Main Tab The details corresponding to the lead Id selected gets displayed in the Main tab once you click the Default button You can modify these details if needed Channel Specify the channel Id for the finance The adjoining option list displays all valid channels maintained in the system You can select the appropriate one Intermediary Group Specify the intermediary group The adjoining option list displays all valid intermediary groups maintained in the system You can select the appropriate one KYC Required Check this box to indicate the KYC check is required for the customer If you check this box the sy
119. urabaha e Musharaka e Tawarooq Pricing Details Specify the following details Price ID Specify a unique price ID This price ID can be applied to a finance at underwriting stage Price Description Specify a brief description of the price ID Aar ORACLE Default Check this box to set this as the default price ID for the price group that you maintain Formula Click Formula button to define the pricing rule for each price ID You can define the formula using origination system elements in Oracle FLEXCUBE Formula Maintenance 10f1 7 Sequence Number Condition Score S Elements Index Functions Braces Operators You can specify the following details here Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Result Specify the result to be associated with the condition specified Elements Specify the data elements to be used to define the formula for pricing details or select the element from the option list provided Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the pricing details formula Operators Select the mathematical operator to be used to define the pricing details formula You c
120. us applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party content products and services Oracle Corporation and its affilia
121. ut comments can be added appropriately On completion of this stage the advices that are maintained for the stage are generated The verifier can either send the application back to the previous stage if the information provided is not adequate or can cancel it if the information captured is not satisfactory If the application details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process On successful verification a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task 210 ORACLE The system displays the information message as xxx Acquire Successful Step 4 Internal Blacklist Check Stage The information against Internal KYC and SDN checks are verified in Internal blacklist check stage Only users belonging to the CEROLE Compliance Executive can perform this task If you have requisite rights acquire it from the list by clicking the
122. ver you can modify it Property Handover Check this box to indicate whether the handover period is allowed or not Effective Date The system captures the effective date of user defined elements However you can modify it in the underwriting stage User Defined Element Values The system supports multiple User Defined Elements here based on the effective dates maintained UDE Id Select the User Defined Element Id from the adjoining option list Value Specify the UDE value Rate Code Select the rate code for UDE from the adjoining option list Code Usage Select the code usage from the adjoining drop down list Resolved Value The system defaults the system revised UDE value aay ORACLE Intermediary System displays the intermediary details including the compensation percentage for each Intermediary based on the Inetrmediary group mainatined in Application Entry stage However you can modify it The payment schedules are derived based on the offer selected Note You can select only one finance offer in this screen The payment schedules are derived based on the offer selected Note You can select only one finance offer in this screen 2 16 41 Component Tab In Component tab the system calculates and displays the payment schedules and the schedule details based on the finance offer selected If you have selected an Enquiry ID for the customer then the schedule details that

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