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Credit Appraisal Management User Manual

1. Step 4 Facility Closure Approval Task will be moved to approval stage when the user has selected PROCEED as the outcome and save the task Facility Closure Approval H Save lt i Hold Application Number CRPClosureProcess161 5 Channel Application Branch 000 Channel Reference No i Application Priority Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No Kl Application Status Operation Close Shh Customer Liability 000000082 AE Facility Details Pool Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 i Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 10f1 E E Customer No Customer Name Local Branch Liability Number RMID RM Name A V 004011317 KRISH_01 004 000000082 E 00013366 CUST_CORP_B10 FAT 000000082 a F 00013369 CUST_CORP_B13 FAT 000000082 1 E 00013376 00013376 004 000000082 11111RM_3 Sweta E 00014463 TEST33 000 000000082 E 000000082 CUSTO3 000 000000082 DEMORM DEMORM 000000084 CUSTO9 000 000000082 Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Outcome After the approval the approved closure applic
2. 4 2 1 Closure of an Existing Facility You can close the existing facility select Operation as Closure The system will pull out the customer details facility details liability details from Oracle FLEXCUBE based on the selected liability no facility no While saving the closure of the facility system will invoke the ELCM services to validate the captured information to close the facility After the approval the system will invoke the ELCM services to hand off the close of facility and raise the error messages in case ELCM validation fails Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow Facility closure request r x Facility closure Initiation Application Entry Facility closure Enrichment capturing limit collateral details For clarification For clarification Approval Closure advice generation BIP service for generate facility closure advice Handoff error Hand off to ELCM Manual Retry Successful completion a ORACLE 4 2 2 Process Matrix The process matrix given below lists out the different stages the user role handling each stage the function Ids involved and the exit points for each stage Stage Stage Title Description Function ID Exit point 1 Facility clo sure Initia tion In this stage you can capture the faci
3. 20 TEST ATO DTAS a N z EE Catclated vabwes for yearly and companion with Bene hua 4 7 e Cpt J Ore J Browne P EEES OR Bee tea e oe E As mentioned earlier there are two types of graphical reports that are generated e Comparison between prospective customers across quarters and years e Comparison between customer s financial ratios and the benchmark ratios Questionnaire Report The pipeline facilities of a prospective customer can be approved or rejected by the bank based on the analysis of the qualitative factors The application allows you to generate a qualitative report based on the questionnaires the answers provided by the customer to the questionnaires and the subsequent grades and scores The questions possible answers and the corresponding scores are maintained in the Rule Maintenance screen ORDRULMT The questions are defaulted during the credit analysis stage which allows you to capture answers from the prospective customer i ORACLE For more information on the Rule Maintenance Screen refer to the section Maintaining Credit Rating Rules in the Origination Maintenance User Manual In the Analysis Summary screen on the click of the Populate button the system populates the list of pipeline facilities and the corresponding prospective customer details This button is applicable only for generating the Questionnaire Report for speci
4. Application Number The system displays the application reference number of the prospective customers Branch Code The system displays the branch code from the adjoining option list On the click of the Populate button the system populates the list of pipeline facilities and the corresponding prospective customer details This button is applicable only for generating the Questionnaire Report for specific customers For the remaining reports you need not click this button The following details are populated on clicking this button Select Select a customer or customers based on which the questionnaires report is generated Customer Number The system displays the identification number of the prospective customer Customer Name The system displays the customer name of the prospective customer Liability Number The system displays the liability number of the prospective customer i ORACLE 7 4 1 Category The system displays the category of the customer such as corporate and so on Type The system displays the type of customer Balance Sheet Size The system displays the balance sheet size which is classified based on the amount range To view the reports click any one of the following buttons e Financial Ratio Analysis Report e Questionnaires Report e External Agency Analysis Report e Exposure Analysis Report Details on the each of these reports are provided in the subsequent sections Financial Ratio Ana
5. Customer Number The system displays the identification number of the prospective customer aop ORACLE Customer Name The system displays the customer name of the prospective customer Liability Number The system displays the liability number of the prospective customer Category The system displays the category of the customer such as corporate and so on Type The system displays the type of customer Balance Sheet Size The system displays the balance sheet size which is classified based on the amount range To view the reports click any one of the following buttons e Financial Ratio Analysis Report e Questionnaires Report e External Agency Analysis Report e Exposure Analysis Report Details on the each of these reports are provided in the subsequent sections 3 3 18 Deal Information You can capture the purpose of the application in Deal sub screen Based on the details provided here you can structure the deal amount into respective lines and sub lines Deal Information Funding Details lt ai Organization share a ET From Public Project Start Date z eal z From Equity Partners A Pred i Dae E Anticipated IRR ace station ee a Projected Operation Date E PEE E Deal Currency GBP Capital Outlay ollateralized Del Bl Non Collateralized Debt J Deal Amount Projected Cashflows Projected Revenues 10f1 HEE 10f1 HEE M C Year Currency Amount
6. Contract Reference Number Specify the contract reference number of collateral Block Amount The system displays the blocked amount Collateral Value Specify the collateral value ae ORACLE Utilized Amount The system displays the utilized amount Available Amount The system displays the available amount Lendable Margin Specify the margin that should be allowed for lending Charge Type Select the charge type from the drop down list and the available options e Pledge e Hypothecation e Lien e Mortgage e Assignment Collateral Expose Type Select the one of the collateral expose type from the following options e Unsecured e Secured e Liquid Collateral Type Select the one of the collateral type from the following options e Guarantee Based e Market Value Based e Normal Mortgage Initiated Check this box if you wish to initiate the mortgage Taken Over Check this box if you wish the collateral linked to Cl CL account is to be taken over Market Value Based Security Id Specify the security Id for collateral The adjoining option list displays all the security Ids maintained in the system Select the appropriate one Nominal Value Specify the nominal value Price Code Specify the price code The adjoining option list displays all the price codes maintained in the system Select the appropriate one Last Revaluation Price The system displays the last revaluation price Next Revaluation Date Speci
7. KYC Decision screen Click Exit button to exit the screen The task is then moved to the Main process Step 4 Initiate Credit Rating sub process In this stage the system will automatically initiate the existing Credit rating sub process to perform the Credit rating process It is an auto stage the system will invoke the service without any Human intervention Step 5 Credit Review and Scoring After performing credit rating process the system will take you to the credit review and scoring stage The actual tasks will be available in the proposal structuring stage only when the following stages are completed successfully In case any one of the stage is not completed the task will not be available in the proposal structuring stage e Initiate KYC Approval sub process e Initiate Credit Rating sub process e Credit Review amp Scoring e Risk Evaluation Fag ORACLE 5 1 Task will remain in the credit review and scoring stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit Review and Scoring task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Cred appraisal enrichment RA save A Hoid Application Number BPELCRP
8. CreditAnalysis RiskAnalysis Prev Remarks Remarks Audit Outcome mo You can specify the following details in this screen Application Number The system displays the application number of the customer Application Branch The system displays the application branch code Application Date The system displays the application date Application Category Specify the application category The adjoining option list displays all the application categories maintained in the system Select the appropriate one Operation Select the operation you want to carry out from the drop down list and the available options are e New e Existing Channel Specify the channel The adjoining option list displays all the channels maintained in the system Select the appropriate one Channel Reference No Specify the channel reference number oe ORACLE 3 3 3 External Source Specify the external source The adjoining option list displays all the external sources maintained in the system Select the appropriate one External Source Ref No Specify the external source reference number Application Priority Select the priority of the application from the drop down list and the available options are e Medium e Low e High User Reference Number Specify the user reference number Application Status The system displays the application status and possible options are e CP Initiation e CP Enrichment e CP Scoring e C
9. Year Currency Amount Specify the following details Deal Description Specify a brief description of the deal Comments Specify additional comments if any ap ORACLE Project Start Date Specify the project start date Project End Date Specify the project end date Gestation Period in months Specify the gestation period in months Deal Currency Specify the deal currency You can select the appropriate one from the option list Deal Amount Specify the total deal amount Anticipated IRR Specify the anticipated internal rate of return Projected Operation Date Specify the projected operation date Capital Outlay Specify the capital outlay Organization Share Specify the overall equity held by the organization From Public Specify the equity held by the public From Equity Partners Specify the equity held by partners Collateralized Debt Specify the total collateralized debt Non collateralized Debt Specify the total non collateralized debt Projected Cash flow Year Specify the projected cash flow year Projected Cash flow Currency Specify the cash flow currency Projected Cash flow Amount Specify the projected cash flow amount Projected Revenue Year Specify the projected revenue Projected Revenue Currency Specify the revenue currency Projected Revenue Amount Specify the revenue amount one ORACLE The system generates Customer Acceptance Advice This advic
10. Facility or Liability Utilization Report Screen Liability No Facility Code COLL1 Liability Id Facility Name Liability Name Facility Id Report Format PDF x Printer At Client Report Output Print Printer You can enter the following details Liability No Specify the liability number The adjoining option list displays all the liability numbers maintained in the system Select the appropriate one Liability Id The system will display the liability Id Whenever you select liability No Liability Name The system will display the liability name Whenever you select liability No Facility Code Specify the facility code The adjoining option list displays all the facility codes maintained in the system Select the appropriate one ae ORACLE 3 3 8 2 Facility Name The system will display the facility name Whenever you select facility code Facility Id The system will display the facility Id Whenever you select facility code Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e Print e View e Spool Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select th
11. H Save lt h Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT Extemal Source Ref No Application Status CP Enrichment i VIKYC Required e Operation Existing wiCredit Rating Required Customer Liability x 000000062 Customer Details 10F1 W Existing Customer Customer No Default Customer Name Local Branch Liability Number Details gt wo 000006449 BEM TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome e Click Details in the Ascertain KYC Check screen to invoke Customer Details screen A Customer Details Customer Type Corporate Full Name Customer No 10310063 Individual Customer Name Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 KYC Director Profile 10f1 W Director Name jy DAVID You can view the customer details in this screen If the customer information is complete then select the outcome as REQUIRED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Ascertain KYC Check screen Clic
12. The pool code assigned to each collateral pool can be linked to a liability while creating credit limits Default Click Default button to default the details related to collateral pool Pool Description Specify a brief description of the collateral pool here Pool Branch The system will display the pool branch Pool Currency Specify the currency in which the Collateral Pool has to be maintained Pool Amount The system computes and displays the utilization amount to the Collateral Pool if a collateral Pool is attached to a contract or account and not through a facility Pool Utilized This field displays the pool amount that has been linked to various credit lines hence displaying the total pool amount utilized at any point in time Available Amount The system displays the available amount Mortgage initiated Check this box if you wish to initiate the mortgage Collateral Pool Linkage Collateral Code Specify the collateral code The adjoining option list displays all the collateral codes maintained in the system Select the appropriate one Collateral Description The system displays the collateral description whenever you select collateral code Collateral Branch The system displays the collateral branch whenever you select collateral code Collateral Currency The system displays the collateral currency whenever you select collateral code Collateral Amount The system displays the collateral amount when
13. a2 ORACLE Task will move to Receive covenant stage when the user has selected ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Step 3 Covenant Follow up Task will be moved to covenants Verification stage when the user has selected RECEIVED as the outcome and save the task Covenant Follow Up Li Save iy Hold Process Ref No Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name CVN14012248103 000 2013 01 28 FAC_3647_1 3647 INSURANCE Priority Approval Status User Reference Number Facility Line Facility Serial ow gt Follow Up 2013013031002 MAIN_LINE 1 Description Approved Credit Limit for Customer No Customer Name Covenant Due Date 2013 01 30 C Next Revision Required Frequency Next Revision Date Revision Related To Facility v Credit Appraisal Reference No CIF Tracking Required Track Customer Collateral Code Description Liability No 000016820 Description VODAFONE Cust Interaction Customer Covenants Documents Previous Remarks Remarks uo To acquire the next stage you need to go to the Task menu and select A
14. 113 16 ORACLE 3 3 11 3 3 12 Remarks Tab Credit appraisal review PA save A Hoia Application Number CRPProcess8599 Channel Application Branch 000 Channel Referenca No Application Priority Low gt Application Date 2014 03 18 External Source User Reference Number 000ELCM1407705E Application Category CORPCAT External Source Ref No Application Status CP Review gt Si KYC Required sin bd 0000 im Vie Conratien io Credit Rating Required Customer Liability naes Defsult Liability Facility Hierarchy Customer Details Requested Collateral Pool Pricing Terms Exception Remarks Previous Remarks Remarks Documents Previous Remarks You can capture any remarks details of the prospective customer in Remarks tab Remarks Specify remarks if any associated with the applicant Maintaining Document Details You can maintain the customer related documents in credit appraisal management repository through the Documents screen Click Documents button from Credit Appraisal Application Entry screen to invoke this screen Documents Application Number Application Category CAMAPP ERSTE Advices Checklist Document Upload 1 Of1 G jE KA Document Category Document Reference Document Type x Mandatory Ratio Upload Uploz kE k B uplod You can enter the following details Application Name The s
15. 29 40 ST Low Search Administrative ye _ CRPProcess 16040 200 17 Credit appraisal enrichment 000000062 000000062 2014 03 10 15 56 27 IST Low Applications Credit appraisal management Ye CRPProcess 16043 104587 28 Credit appraisal enrichment 000000062 000000062 2014 03 10 16 06 32 IST Low Priori zw SLA y CRPProcess16046 Credit appraisal application entry 2014 03 10 19 50 24I1ST_ Low g Standard Ye CRPProcess16047 Credit appraisal application entry 2014 03 10 19 50 32 1ST Low s Acquired 10 sp Assigned 21 W CRPProcess16048 Credit appraisal application entry 2014 03 10 20 05 59 IST Low gt Completed 98 Free Pool 1 Future Tasks 1 a Quick View gt History Interactions Documents Advices X Action List ial Queue Name Count Escalated 0 Expired 0 Aging 448 High 23 undefined 1 All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the message as Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and cli
16. Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 External Source User Reference Number OOOELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status men x IKYC Required Credit Rating Required Default Liability Operation Existing Customer Liability x 000000062 Customer Details 10f4 EE Existing Customer Customer No Default Customer Name Local Branch Liability Number a 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome NO MATCH EA Click Details in the Verify SDN Match screen to invoke Customer Details screen SA ORACLE 3 5 Customer Details Customer Type Corporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 tan ved KYC Director Profile 1011 0 Director Name SDN Result y DAVID NO MATCH In this screen you can view the applicant s details In case of a positive SDN match the bank informs the regulatory agency OFAC or any other similar agency about the SDN match of the prospect customer However if the match is cleared you can continue with the subsequent KYC checks Select the outcome as NO MATCH and save the record by clicking the save icon in the tool bar The system displ
17. DB adaptor call to hand off the Facility details to ELCM The successful completion of the Facility creation process For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage Step 14 Hand off Retry The system will invoke the DB adaptor call to hand off the Facility details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage The retry counter will be incremented accordingly For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Liability details to ELCM ony ORACLE You can invoke Manual Credit appraisal screen by typing ORDLPRTY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Manual Credit Appraisal a X H save Hoid Application Number CRPProcess3395 Channel Application Level 1 Application Branch 000 Channel Reference No Application Priority Low Application Date 2015 04 16 External Source User Reference Number OOOELCM151060 Application Category CAMAPP External Source Ref No Application Status Save Customer E Operation New IG9 KVO Required Approval Status ACCEPTED 5 Credit Rating Required Customer Liability 000000792 P Liability Detaits Requested Collateral Pool Pricing Terms Exceptio
18. Default Customer Name Local Branch Liability Number Balance Sheet Sze Details 2 000000349 SUBHASHINI 000 000000349 Detaits Documents FinancialAnatysis Liability Preference CustomerCovenant CreditAnatysis RiskAnalysis Deal 2 Prey Remarks Remarks Andit To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Credit appraisal enrichment stage if you select ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Credit appraisal approval screen Step 9 Approval Task will be moved to approval stage when the user has selected PROCEED as the outcome and save the task The finalized reviewed application will be sent along with review writing to seni
19. Exception Exception Transaction Amount Specify the Exception Txn Amount During utilization transaction when utilization amount crosses the specified Exception Txn Amount BEPL process is triggered for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified should be below the total effective line amount specified for that facility Exception Breach Specify the Exception Breach Percentage During utilization transaction when utilization amount crosses the specified Exception Breach Percentage BEPL process is triggered for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified should be below the total effective line amount specified for that facility Interest Fee Required Commitment Fee Utilization fee Account Check this box to indicate whether the commitment fee or utilization fee account Fee Calculation Account Specify the account which is linked with the facility The same account will be applicable for interest calculation based on ELCM facility Fee calculation account is used for the fee calculation Utilization Available Amount Specify the available amount Date of First OD Specify the date of first OD Date of Last OD Specify the date of last OD Amount Utilized Today Specify the amount utilized for today Utilization Amount Specify the utilization amount Tanked Utilization Specify the tanked
20. LGD Justification Specify a brief justification for MSG and LGD Pipeline Analysis To process pipeline analysis data click the Pipeline Analysis button You can subsequently generate the pipeline analysis reports by clicking the Analysis Summary button Analysis Summary Application Number CRPProcess1965 Branch Code 000 10113 gt bl ud fed EE Select Customer No Short Name Liability No Customer Category Customer Type a wga 00100002 00100002 CORPORATE c g F 000000116 S058023 000000116 CORPORATE c J mh g 000000133 000000133 3435567 CORPORATE c WW 231232 231232 00100002 CORPORATE c apa 000000216 000000216 LIAB001 CORPORATE c F 000000233 000000233 000000134 CORPORATE c m j b External Agency Analysis Exposure Analysis The following details are displayed in this report Application Number The system displays the application reference number of the prospective customers Branch Code The system displays the branch code from the adjoining option list On the click of the Populate button the system populates the list of pipeline facilities and the corresponding prospective customer details This button is applicable only for generating the Questionnaire Report for specific customers For the remaining reports you need not click this button The following details are populated on clicking this button Select Select a customer or customers based on which the questionnaires report is generated
21. Name Application FLEXCUBE Name Doc_ID m 4 z m ll O Sticky Notes amp History You can modify the document related information and click Update button to update the changes The system saves the changes made to the document Note The changes made to the document using this Edit option will not be reverted even if you do not save the transaction If you wish to revert the changes you need to invoke the Doc ument screen and manually modify it again Verified Check this box to indicate whether the document is to be verified Remarks Specify remarks if any 3 3 12 1 AdvicesTab B ett Muuli Application Number CRPProcess3466 Q Application Category PIPELINE ke om iii 1011 F RepotName Template Format Attribute Locale View You can view the following details aran ORACLE e Report Name e Attribute Template e Attribute Format e Locale e View 3 3 12 2 Checklist Tab Documents x Application Number CRPProcess3466 Application Category PIPELINE o Documents Advices Konce 10f1 5l E CheckListitem Mandatory Verified Comments You can enter the following details Check List The system will display the check list details Mandatory The system will default from Documents main screen Verified Check this box to indicate whether the documents are verified Comments Specify comments in any Sal ORACLE 3 3 13 Linking Co
22. Oracle Business rules that are embedded help the dynamic creation of multiple approval stages The different stages and sub stages in the process flow can be summarized as The process flow diagram given below illustrates the activities carried out during the different stages of the workflow Credit Fropoeal ritiatoni Applicaton Entry gt cpoeal Enrichrert capturing limit Sol ateral dteale t gt cpesal Structuaing For derficaton Recorrmenceatian amp Review Fer cerfizatoe Aporova BP serve ter cer erate facibty Draft acitty documay gereratce docstert y Hardoff erx Hand of to ILIM Manuel Retry Successful cov lebon ORACLE 3 3 2 The various tasks carried out in these stages will be explained in detail in the subsequent sections 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 captured as part of this stage Basic details of the cus tomer information Proposal details ORDLPAPP ORDLPAP 1 PROCEED DOCMISS ING Credit appraisal enrichment The following applicant additional details are captured Collateral details Proposed credit limit The enriched proposal will be sent for review
23. Permanent Address Address Specify the permanent address of the director Country Specify the country associated with the address specified Other Details HO Country Specify the head office country associated with the address specified The adjoining option list displays all the HO countries maintained in the system Select the appropriate one Permanent US Resident status Check this box to indicate that the corresponding director is a permanent US resident Shareholding Specify the percentage of share for the key person Facility Hierarchy or Liability Detail Report Click Facility Hierarchy button in the Credit Appraisal Application Entry screen to invoke Facility Hierarchy or Liability Details Report screen aM ORACLE Facility Hierarchy or Liability Detail Report Screen Liability No az Liability Id Liability Name Liability Branch Report for Liability Details Facility Hierarchical Report Format PDF Printer At Client e Report Output Print Printer Bz You can enter the following details Liability No Specify the liability number The adjoining option list displays all the liability numbers maintained in the system Select the appropriate one Liability Name The system will display the liability name Whenever you select liability No Liability Id The system will display the liability Id Whenever you select liability No Liability Branch The system will displa
24. Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No j Application Status Edn Operation Close Customer Liability 000000082 CEN Facilty Detais Pool Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 10f1 Customer No Customer Name Local Branch Liability Number 004011317 KRISH_01 004 000000082 E 00013366 CUST_CORP_B10 000000082 E 00013369 CUST_CORP_B13 000000082 00013376 00013376 004 000000082 11111RM_3 00014463 TEST33 000 000000082 E 000000082 CUSTO3 000 000000082 DEMORM E 000000084 CUSTO9 000 000000082 Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome mo To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Tas
25. during the following stages of the Credit Appraisal Management process e Credit Recommendation and Review ORDLPREV a ORACLE e Approval ORDLPAPR To process the pipeline analysis data click the Pipeline Analysis button available in the Requested Tab at the Credit Recommendation and Review stage and the Approval Stage You can subsequently generate the pipeline analysis reports by clicking the Analysis Summary button Credit appraisal review H save df Hold Application Number BPELCRPProcess348 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2015 04 16 External Source User Reference Number 000ELCM1510603 Application Category CAMAPP External Source Ref No Application Status CP Review Operation New KYC Rapea f Approval Status Credit Rating Required Customer Liability 000000841 Default Liability Facility Hierarchy Customer Details RAISE Collateral Pool Pricing Terms Exception Remarks Request Credit Proposal Details Requested Purpose Limit Currency GBP Total Requested Amount 15 896 00 10F4 V Facility Type x Line Code Line Serial Default Description Main Line Code Category W New gt NAMO63 1 a Pipeline Analysis Documents FacilityPreference PoolLinks Restrictions Analysis Summary Prev Remarks Remarks fells PROCEED lw The following details are displayed in this report
26. is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date Customer can initiate the closure of an existing facility after complete closure of the loan The bank financial organization receive a facility closure application from customer for closing the existing facility For facility closure request the application request consists of customer details financial information and the existing facility details The requested application will be enriched with underlying collaterals collateral pools and sent the package for internal review external review As part of the facility closure process end user will be allowed to close the underlying collateral pool close the underlying collateral or delink the underlying collateral pool collateral and it can be used for another facility The delinking closure of collateral collateral pool will be handled in the closure enrichment stage The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal The finalized reviewed g authority for final approval After the approval the facility closure advice message will be generated and facility closure will be initiated in ELCM through the ELCM services For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Facili
27. ity docu draft version facility doc ment uments generation 11 Customer Stage for capturing the ORDLPACP NOT Acceptance customer acceptance ACCEPTED details ACCEPTED NEGOTIATE 12 Facility doc Stage for generating the ument Gen facility documents after eration the customer accept ance 13 DB Hand off Stage for Hand off the Limit details to ELCM system Manual Retry option will be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices Hand off ORDLPRTY PROCEED Retry ORACLE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option Home Interactions Customer Workflow EEG Preferences Search Assigned x Apply Fitters Quick Search Assigned Task List Page 1 Of 3 b pp Jump to page Go Application fa hy Workflow Reference Requested Amount Title Customer Name Liability No Creation Date From To t Priority Application x CRPProcess15797 1332338 1 Credit appraisal enrichment 000000062 000000062 2014 03 05 16 43 32IST Low Origination Dashboard x CRPProcess16023 Credit appraisal application entry 2014 03 06 16 39 461ST Low g ProcessAnalytics A CRPProcess16032 Credit appraisal application entry 2014 03 08 12 57 51 IST Low E Standard 5 ae Xx OpenCurrentAccount16038 RecieveandVerifyCustDetails 2014 03 10 12 04 251ST Low RetailLending16039 Underwriting ASF ASF 2014 03 10 12
28. not be available in the proposal structuring stage e Initiate KYC Approval sub process e Initiate Credit Rating sub process e Credit Review amp Scoring e Risk Evaluation Task will remain in the credit appraisal risk evaluation stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit appraisal risk evaluation task to acquire it The system displays the information message as xxx Acquire Successful a5 ORACLE If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Credit appraisal risk evaluation Ef save amp Hod Application Number BPELCRPProcess3865 Application Branch 000 Application Date 2015 04 16 Channel Channel Reference No External Source Application Levet 1 Application Priority Low E User Reference Number OOQELCM1510603 6 1 Application Category CAMAPP External Source Ref No Application Status CP Enrichment KYC Required PROCEED eration fi Approval Status Oper Esing A Credit Rating Required Customer Liability 000000004 PETE F acitity Hierarchy CH Reavestes cottateral Poot Remarks Lianitty Detaits Liability Number 000000004 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000004 Revision Date Secondary Clean Risk 0 00 Main Liability No Liability Catego
29. requisite rights double click on the task in your Assigned task list and invoke the following screen N f Save lt i Hold Other KYC Checks Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT Extemal Source Ref No Application Status CP Enrichment E FIKYC Required M Operation Existing 7icredit Rating Required Customer Liability 000000062 Facility Hierarchy Customer Details 10f1 gt V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details i ww 000006449 TEST123 000 000000062 Details Documents MIS Image Remarks Previous Remarks a Customer Details KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 10f1 Internal Blacklist Result NOT FOUND a Ni Contraci Verification good a gz as ae Remarks _ W SDAF A Other KYC Remarks fine g tH KYC Director Profile External KYC Remarks 10f1 G E 1011 HHE T Director Name SDN Result Internal Blacklist Check Contact Verification Ren v Name Value gt 7 DAVID NO MATCH E NOT FOUND Good E FGFG AA Fal ORACLE 3 8 In this screen you can view and verify the applicant s deta
30. successful functioning of Credit Appraisal Management Origination you should maintain the following in the system e Financial Data Maintenance e Benchmark Ratio Maintenance e Balance Sheet Size Maintenance e Document Upload Uploading Modified Excel The system displays the financial entities which have been uploaded through the excel sheet Industry customer no fin type PL BS financial year financial cycle will be used as key elements for retrieving the uploaded details through Excel Upload Modify Screen screen You can invoke this screen by typing ORDEXLMD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Application Category Ratio Group Industry Financial Cycle Customer No j Financial Year Sheet Name Worksheet Name 1 Of 1 Parameter Value FromDate ToDate Currency Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Application Category The system will display the application category Ratio Group The system will display the ratio group Industry Specify the Industry code for the financial statement The adjoining option list displays all the industries maintained in the system Select the appropriate one el ORACLE 2 3 Customer No Specify the customer No for the financial statement The adjoining option list displays all the customer number
31. system displays the description of the covenant Mandatory Check this box to indicate that it was a mandatory covenant Frequency Select the frequency from drop down list e Quarterly e Yearly e Monthly e Weekly e Daily Period Specify the frequency period Start Date Specify the start date Grace Days Specify the number of grace days Reversal Date Specify the reversal date Notice Days Specify the notice days Covenant Reference Number Specify the reference number Mandate Details Collateral Type Specify the collateral type Minimum Available Specify the minimum percentage available 3 3 9 Facility Restriction All of the field appearing in this screen are defaulted from system for existing facilities You need to input details for a new facility vac ORACLE Restrictions Application Number CRPProcess3948 Application Category PIPELINE Branch Restrictions Restriction Type Disallowed Branch Restriction 1oft Branch Code Branch Name urrency Restrictions Restriction Type Disallowed Currency Restriction 1 oft Currency Code Currency Description Facility Branch 000 Facility Nurnber 000000574 Product Restrictions Restriction Type Disallowed Allowed Product Restriction 10f1 Product Code Product Description Customer Restrictions Restiction Type Disallowed Allowed Customer Restriction 101 Customer Number Customer Narn 000000007 RE CenturyF
32. under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Proposal Structuring stage if you select ADDITIONAL_INFO as the outcome and save the task The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal Task will be moved to Recommendation and Review stage if you select REVIEW as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Customer Acceptance screen Step 10 Draft Facility Document Generation In this stage the system will automatically initiate the generation of draft facility documents It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 11 Customer Acceptance Task will be m
33. you to select the customer no financial year Quarter Year and the type of the comparison like compare with previous quarter last year quarter and previous year You can invoke this screen by typing ORRFACTR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button gt Horizontal or Vertical Analysis Report Screen Customer Details Customer Number el Customer Name Customer Branch Industry a Report Details Report Type Quarterly x Compare With v Year Report Generation Type Data Type Quarter x Report Format PDF x Printer At Client iy Report Output Print x Printer faz You can enter the following in this screen Customer Details Customer Number Specify the customer number whose financial ration needs to be compared The adjoining option list displays all the accounts maintained in the system Select the appropriate one Customer Name The system will display the customer name whenever you select customer number fl ORACLE Customer Branch The system will display the customer branch whenever you select customer number Industry The system will display the customer industry whenever you select customer number Report Details Report Type Specify the type of the report from the drop down list and the available options are e Quarterly e Yearly Year Specify the financial year which is taken for the repor
34. 000 00 Total Sanctioned Amount 25 000 00 10t1 Lote i LE Y Facility Type Line Code Line Serial Default Description Main Line Code Category Branch New l 13395 1 e G3 c a5 000 l in Documents FacilityPreterence PoolLinks Restrictions Prev Remarks Remarks Audit Request Credit proposal Details Requested Purpose Specify the purpose of the loan Limit Currency Specify the limit currency The adjoining option list displays all the limit currencies maintained in the system Select the appropriate one Calculate Click Calculate button the system will compute the Total proposed limits and Sanctioned limits for the proposed facilities and calculated amount will be displayed in Total Proposed amount and Total Sanctioned Amount The Total Proposed Amount will be the sum of all the facilities proposed amount and total sanctioned amount will be the sum of all the facilities sanctioned amount Total Requested Amount The system displays the total loan amount requested by the prospective customer The total proposed amount will be the sum of all the facilities proposed i ORACLE 3 3 8 Facility Type Select the facility type from the drop down list and the available options are e New e Existing Line Code Specify the line code The adjoining option list displays all the line codes maintained in the system Select the appropriate one Line Serial Specify the serial line number Def
35. 2 3 Maintaining Document Details 0 00ccccccceeeettnee eee tnteeeeeeetnneeeeeetnaeeeeeteas 5 5 Credit Appraisal Management Covenant Poller Process 6 1 6 1 UnthoductiOnii 65a Auli ies a hin adie a eh 6 1 6 2 Stages in Covenant Poller Credit Appraisal Management ceeeeeeeeeteeereeeees 6 1 6 2 1 Process Flow Dia Grain arser t a E EE A S 6 1 2 20g ler a EEEE A E A A T 7 1 LA Introduction risnu ii iera taeda Madd EA A EEA S A E AEEA AAA 7 1 7 2 Generating Horizontal or Vertical Analysis Reports ccceeeeeeeeeeeeeteeeeeeeeeneeees 7 1 7 3 Generating Benchmark Reports ssseessseeeesesrsreserrrnessernnneennsnneestennenetetnndsennnnnenenanne 7 3 7 4 Generating Pipeline Analysis Report eccccceceeeceeeeeeeeneeeeseeeteeeeeseneaeeeeeeeaaeees 7 5 7 4 1 Financial Ratio Analysis R DOtt c cccccccecseeseeeneeeeeteeeeeeeetennaeeteteeaaanees 7 7 7 4 2 Questionnaire Report 2 1 secceccecceceeceeeteceeeeneeaaeeeeeseeseeeeteesecneaaecaneeeeeseess 7 9 7 4 3 External Agency Analysis essssnneernnnnrrrnnnnnrernnnrnrrinnanenrrnnnrrrnnnerennannnnea 7 11 7 4 4 Exposure Analysis Report ccccccccccceceeeteeneecaeeeeeeeeeeeseteeenenseeaeseneeeseens 7 13 Function ID Glossary ssssssnnnnnnnennnnnnnnnnnnnnnnnunnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn ne 8 1 1 1 1 2 1 3 1 4 1 5 1 Preface Introduction This manual is designed to help you maintain
36. After successful hand off closure advice will be sent to customer The following are the state of collateral collateral pool while closing facility Collaterals Collateral pool Facility In case of collateral Clo In case the collateral In case of facility clo sure the system will close the collaterals ELCM In case the col lateral is delinked the system will not close and it will be delinked auto matically as part of the closure of collateral pool pool closure the system will close the collateral pools ELCM If the col lateral pool is delinked the system will not close the facility and it will be delinked automatically as part of the closure of sure facilities which are available will get closed facility Stages in Closing Credit Appraisal Management The different stages in closing credit appraisal management process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages Oracle Business rules that are embedded help the dynamic creation of multiple approval stages The different stages and sub stages in the process flow can be summarized as follows e Facility closure Initiation e Facility closure enrichment e Facility Closure Review e Facility Closure Approval e Closure advice generation e DB Hand off e Hand off Retry e Advice to Customer 2 ORACLE
37. Click Acquire button adjoining the Internal Blacklist Check task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen verify Customer Contact Details H Save qi Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Ea Application Date 2013 01 28 External Source User Reference Number Q00ELCM1302802JG Application Category COVN_CAT External Source Ref No Application Status CP Enrichment E m ZIKYC Required a Operation Existing gt Giat Rap Haned Customer Liability 000000062 Facility Hierarchy Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number E 000006449 EN TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Outcome M Click Details in the Verify Customer Contract Details screen to invoke Customer Details screen Customer Details Bank Local Branch 103 a Application Number CRPProcess7240 Main Director LAfeisToeTS 3 KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 10f4 NOT FOUND Internal Blacklist Result _ iano Value 7 Contract Verification good p Remarks W SDAF A m J gt KYC Director Profile
38. Details Line Code Line Serial Line Branch Description Main Line Code Line Currency Category User Defined Status Status Changed Date Internal Remarks Utilization Available Amount Date of First OD Date of Last OD Amount Utilized Today Utilization Amount CRPProcess3395 CAMAPP L3395 1 000 Z Revolving Line Netting Required UnAdvised Fund Shadow Limit Bulk Payment Required Liability Branch 000 Liability Number Amount Limit Amount Collateral Contribution Transfer Amount Effective Line Amount Effective Line Basis UnCollected Amount Block Amount Approved Limit Amount Max Daily Limit Day Light Limit Exception Exception Transaction Amount Exception Breach interest Fee Required Fee Calculation Account Availability Start Date Expiry Date Last New Utilization Date Available Date Schedule Process Date 000000792 25 000 00 0 00 0 00 25 000 00 Limit Amount 0 00 0 00 25 000 00 0 00 0 00 Interest Fee Required A Available 2015 04 16 Tanked Utilization Netting Contribution You can enter the following details Application Number The system will display the application number Application Category The system will display the application category Liability Branch The system will display the liability branch Liability Number The system will display the liability number Facility Details Line Code Specify the Line Code to which th
39. Displays the description of the ques tion Customer A Displays the answers of customer A Score A Displays the score of customer A Customer B Displays the answers of customer B Score B Displays the score of customer B Comparison on more than 2 Customers Header Section The header contains the customer number Tabular Section Column Name Description Customer Number Displays the customer number Application Number Displays the application number of the customer Question Category Displays the category of the question Questionnaires Displays the description of the ques tion Customer Answer Displays the answers of customer Score Displays the score of customer External Agency Analysis Another qualitative factor based on which the pipeline facilities of prospective customers can be analysed are the grades and scores provided by external agencies The external agency grades and scores are captured during the Credit Recommendation and Review Stage of the Credit Appraisal Management process Click the External Agency Analysis Report to view the list of prospective customers whose facilities are awaiting approval which is grouped based on the customer s score and the customer s credit rating grade provided by an external agency This report displays the following data Header Section The header contains the customer number mM ORACLE Tabular S
40. E 6 3 Forecast Sensitivity Analysis Specify the details of forecast and sensitivity analysis of applicant towards debit maturity and liquidity Primary Source of Payment Specify the primary source of payment Secondary Source of Payment Specify the secondary source of payment Credit Risk You can capture the details related to credit risk in the Credit Risk sub system Click Credit Risk button This button is enabled only during Credit Evaluation and Credit Scoring stages LEL_CRDRK Applicator Nember pplication Categor Aaiesementot Key Riiki Hey Risk 1 Hay Risk 2 Hey Rek3 0 8 a Evaluation of the Structure Ow mew of Facilites Ow mew of hey Coue ne ats i a E Compi with Heyctarses Specify the following details Application Number The system displays the application number Application Category The system displays the application number Key Risk Assessment Key Risk 1 Specify the first key risk factor Key Risk 2 Specify the second key risk factor Key Risk 3 Specify the third key risk factor Evaluation of Structure Overview of Facilities Specify a short overview of the facilities oy ORACLE 6 4 Overview of Key Covenants Specify a short overview of the key covenants Compliance with Key Clauses Specify compliance of the application with key clauses You can specify one of the following values e Y Yes e N No MGS amp
41. External KYC Remarks M4 4084 A 1011 HEE Director Name SDN Result Internal BlacklistCheck Contact Verification Remarks Name Value 3 NO MATCH NOT FOUND E Good i Y FGFG AA In this screen you can view the applicant s details As per the bank s mandated policy you will have to perform the customer identification check This involves verification of customer address phone number etc You can enter the outcome of various stages in the Audit block for the verifier to make a decision After verification select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Sap ORACLE 3 7 Click Ok button You will be taken back to the Verify Customer Contact Details screen Click Exit button to exit the screen The task is then moved to the next activity Other KYC Checks As per the bank s mandated policy you will have to check other details like verification of the employer information verification of the income information sources and uses of funds etc Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the OtherKYCChecks task to acquire it The system displays the information message as xxx Acquire Successful If you have
42. Facility Closure Manual Retry Operation Close Customer Liability Facility Details Pool Terms Exgpion Stage Remarks Liability Details Liability Number Liability Branch User Defined Status Liability Name Liability Currency Revision Date Main Liability No Overall Limit Liability Category Utilized Amount Customer Details 1 Of 1 Fa F Customer No Customer Name Local Branch Liability Number RMID RM Name Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Outcome ES Step 8 Customer Acceptance Task will be moved to acceptance stage when the user has selected SENT as the outcome and save the task After successful hand off closure advice will be sent to customer The process of Facility closure transfer is successfully completed A ORACLE Customer Acceptance Ls Save fy Hold Application Number CRPClosureProcess 161 2 Channel Application Branch 000 Channel Reference No a Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UV Application Category COVN_CAT External Source Ref No i Application Status Credo ES E Customer Acceptance El Customer Liability 000000082 Facility Details Poo Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defin
43. LCM e Liability details e Collateral details e Collateral pool details e Liability customer linkage details Modifying the Existing Facility for an Existing Customer The selected existing facility will be modified with captured facility information While saving the modification the system will invoke the ELCM services to validate the captured information to increase the facility limit After the approval the system will invoke the ELCM services to hand off the Liability facility collaterals and collateral pool details and raise the error messages in case ELCM validation fails The features maintenances and the different stages in the process flow are explained in detail in the following sections Stages in Credit Appraisal Management Origination Corporate credit appraisal process flow uses Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple ORACLE 3 3 1 Process Flow Diagram Credit propesa request KYE verticeton for New custome Nc E p ves Credit seview anc Scorirg Cied Rating Fercaifisaticn Rating fcm scammed agendes Renacctistior T a human tasks for workflow stages The capture and enrichment of information in multiple steps can be dynamically assigned to different user roles so that multiple users can take part in the transaction Oracle Business rules are used for dynamic creation of multiple approval stage
44. LUP in the field at the top right corner of the Application tool bar and click the adjoining arrow button Document Upioad Summary os E gt Search Ct Advanced Search 9 Reset L Clear All Case Sensitive Authorization Status Ee Record Status E Upload Reference Number fae Customer No ae Document Category nel 2 Records per page 15 10f1 Authorization Status Record Status Upload Reference Number Customer No Document Category You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Upload Reference Number Select the upload reference number from the option list Document Category Select the document category from the option list Record Status Select the record status from the drop down list Customer No Select the customer No from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status ea ORACLE Record Status Upload Reference Number Customer No Document Category ORACLE 3 1 3 2 3 Credit Appraisal Management Origination Introduction The process of credit appraisal management origination gets
45. Liability Branch User Defined Status Liability Name a Liability Currency Revision Date Main Liability No Overall Limit Liability Category Utilized Amount Customer Details 10f1 A CustomerNo Customer Name LocalBranch Liability Number RMID RM Name Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome PROCEED You can enter the following details Application Number The system will display the application number Application Branch The system will display the application branch Application Date The system will display the application date Application Category Specify the application category The adjoining option list displays all the application categories maintained in the system Select the appropriate one Channel Specify the channel The adjoining option list displays all the channels maintained in the system Select the appropriate one Channel Reference No Specify the channel reference number External Source Specify the external source The adjoining option list displays all the application external references maintained in the system Select the appropriate one o ORACLE 1 1 External Source Ref No Specify the external source reference number Application Priority Select the priority of the application from the drop down list and the available options are e Medium e Low e High User Reference Number Spec
46. Number RMID RM Name i V 004011317 KRISH_01 004 000000082 E 00013366 CUST_CORP_B10 FAT 000000082 E 00013369 CUST_CORP_B13 FAT 000000082 E 00013376 00013376 004 000000082 11141RM_3 Sweta E F 00014463 TEST33 000 000000082 E 000000082 CUSTO3 000 000000082 DEMORM DEMORM E 000000084 CUSTO9 000 000000082 X Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Audit Outcomes To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Facility closure enrichment stage when the user has selected ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Facility Closure Approval screen 10 ORACLE
47. ORACLE Credit Appraisal Management Origination User Guide Oracle FLEXCUBE Enterprise Limits and Collateral Management Release 12 1 Part No E59502 01 December 2014 Credit Appraisal Management Origination User Guide December 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 appl
48. ORACLE During the BOD activity system will initiate the task in the covenant process which are due or overdue for collect the documents sal asin Covenant Details Save dil Hold Process RefNo Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name Revision Related To Credit Appraisal Reference No Track Customer Collateral Code Description Liability No Description Transaction Branch Code 002 CVN14040211 000 2014 03 18 327 IDCARD Collateral i CIF Tracking Required COLT00111 00008287 00008287 Priority Approval Status User Reference Number Facility Line Facility Serial Description Customer No Customer Name Covenant Due Date Frequency Next Revision Date Recieve Covenant 2013013031121 2014 03 18 _ Next Revision Required Yearly Calculate 2015 07 01 CustInteraction Customer Covenants Documents Previous Remarks Remarks You can enter the following details CIF Tracking Required Check this box to indicate whether the CIF tracking required Next Revision Required Check this box to indicate whether the next revision required Frequency Select a frequency according to which the Convent has to collected revised from the drop down list and the available options are e Monthly e Quarterly e Half Yearly e Yearly Next Revision Date The system defaults nex
49. P Risk e CP Structuring e CP Review e CP Approval e Customer Acceptance e CP Retry Customer Liability Specify the customer liability The adjoining option list displays all the customer liabilities maintained in the system Select the appropriate one KYC Check Check this box to indicate whether KYC check is required Risk Rating Check this box to indicate whether risk rating is required Viewing Liability Details Summary Click View button in the Credit Appraisal Application Entry screen to invoke Liability Details Summary screen 39 ORACLE 3 3 4 Manual Credit Appraisal E save Hoia Application Number CRPProcess3395 Application Branch 000 Application Date 2015 04 16 Application Category CAMAPP Operation New R Customer Liability 000000792 P RPJ Liability Details Channel Channel Reference No External Source External Source Ref No KYC Required Credit Rating Required Default Liability JEH Requested Collateral Pool Pricing Terms Exception Remarks Application Level 1 Application Priority Low User Reference Number OOOELCM151060 Application Status Save Customer Approval Status ACCEPTED Liability Details Liability Number 000000792 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000792 Revision Date Secondary Clean Risk 0 00 Main Liability No Liability Category aoe see ato Liability Branch 000 UnAdvised Risk Limit Liability Curr
50. Process3561 Channel Application Levet 1 Applicaton Branch 000 Channel Reference No Applicaton Priority Low Application Date 2015 04 16 Extemal Source User Reference Number OOOELCM1510603 Applicaton Category CAMAPP Exemal Source Ref No Application Status CP Initiation Operation Ti e kve Required Approval Status PROCEED Credit Rang Required Customer Liability 000000877 EE Facility Hierarchy Requested Collateral Pool Remarks ability Details Liability Number 000000877 User Defined Status Liability Clean Risk Lint Liability Name 000000877 Revision Date Secondary Clean Risk Main Liability No Liability Category sic Lima B econdary Pre Settiement Liabiery Branch 000 Unagvised Risk Lima Liability Currency GBP Netting Required Overall Urni Utilized Amount Customer Details tor W Existing Customer Primary CustomerNo Default Customer Name Local Branch Liability Number Balance Sheet Sze A 000000877 EO usan soir 000 000000877 Documents Liability Preference Customer Covenant CreditAnalysis RiskAnalysis Deal In this screen you can view the complete information of credit and scoring of the applicant Credit Evaluation Click Financial Analysis button in the Credit appraisal review and scoring screen to invoke Credit Evaluation screen to view the credit risk model server and credit agency details oat ORACLE gt Credit Evaluation x Application Number CRPProcess8599 Custome
51. RSRATBM in the field at the top right corner of the Application tool bar and click the adjoining arrow button g Ratio Benchmark Summary E gt Search Ct Advanced Search 9 Reset 4 Clear All Case Sensitive Authorization Status Record Status ee Category Ratio Group Industry az Balance Sheet Size Period Type Records per page 15 7 10f1 Authorization Status Record Status Category Ratio Group industry Balance Sheet Size Period Type You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Category Select the category from the option list Industry Select the industry from the option list Period Type Select the period type from the option list Record Status Select the record status from the drop down list Ratio Group Select the ratio group from the option list 25 ORACLE 2 6 Balance Sheet Size Select the balance sheet size from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status e Record Status e category e Ratio Group e Industry e Balance Sheet Size e Period Type Maintaining balance Sheet Size You ca
52. aisal proposal structure task to acquire it The system displays the information message as xxx Acquire Successful pa ORACLE 7 1 Pricing Tab If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Credit appraisal proposal structure EA save A Hoia Channel Channel Reference No External Source Extemal Source RefNo Application Number CRPProcess3857 Application Branch 000 Application Date 2015 04 16 Apptication Category PIPELINE Operation Existing Customer Liability 000000001 Requested Collateral Pool Pricing Terms Exception Remarks ability Details LiabilityNumber 000000001 Liability Name 000000001 Main Liability No Liability Branch 001 Liability Currency GBP Overall imit 100 000 000 000 00 Utilized Amount 0 00 User Defined Status Revision Date Liability Category Customer Detaits 1ort I Existing Customer Primary Default Customer Name 000000959 Customer No 000000959 000000960 000000961 KYC Required Credit Rating Required Defaut Liability Unad sed Netting Required Local Branch 000 000 000 Applicadon Level 1 Application Priority Low User Reference Number OODELCM1510602 Application Status CP Structuring Approval Status PROCEED Liability Details Facility Hierarchey Liability Clean Risk Limit Secondary Clean Risk Limit Secondary Pre Settlement Risk Limit Balan
53. and final approval ORDLPENR PROCEED REJECT Initiate KYC Approval sub process Initiating the KYC approval process The system initiates the existing KYC sub pro cess for performing the KYC for that customer It is an auto stage the system invokes the ser vice without any Human intervention PROCEED Initiate Credit Rat ing sub pro cess Starting Point for initiat ing the Credit rating pro cess The system automatically initiates the existing Credit rating sub process to perform the Credit rating pro cess It is an auto stage the system invokes the ser vice without any Human intervention PROCEED Credit Review and Scoring Applicant financial sta tus and compute the credit score based on the credit score ques tionnaires are captured ORDLPRSR PROCEED ORACLE Stage Stage Title Description Function ID Exit point 6 Risk Evalua Capturing applicant risk ORDLPRSV PROCEED tion analysis report and risk evaluation is measured by gathering the risk related questionnaires 7 Proposal Structuring the facility ORDLPSTR_ PROCEED K eat ADDITON AL_INFO customer 8 Recommen Stage for capturing the ORDLPREV PROCEED aga reviewers comments ADDITON AL_INFO RETURN 9 Approval Stage for approver to ORDLPAPR_ PROCEED approve the proposal ADDITON AL_INFO REVIEW 10 Draft Facil Stage for generating the
54. and process Over the Counter dealings in Interest Rate and Currency Options in Oracle FLEXCUBE It also assists you in handling all the necessary activities in the life cycle of an OCT instrument once it is booked This includes the generation of messages and reports the accrual and liquidation of interest components the application of charges and taxes and so on Audience This manual is intended for the Customer Service Representatives CSRs and staff in charge of setting up new products in your bank Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Awww oracle com pls topic lookup ctx acc amp id docacc Acronyms and Abbreviations The following are some of the acronyms and abbreviations you are likely to find in the manual BPEL Business Process Execution Language BPMN Business Process Model and Notation WF Workflow EOD End of Day BOD Beginning of Day KYC Know Your Customer ELCM Enterprise Limits and Collateral Management System the system Oracle FLEXCUBE system unless otherwise specified Organization This manual is organized as follows About this Manual gives information on the intended audience It also lists Chapter the various chapters covered in this User Manual Maintenances describes about the general maintenance options available Chapter 2 to ensure succes
55. appropriate one Communication Mode Select the communication mode of the customer from the following options provided in the drop down list e Email e Mobile Same as Correspondence Address Check this box if you wish the correspondence address to be the same Name Specify the name of the customer Address Specify the address of the customer Country Specify the country associated with the address specified The adjoining option list displays all the countries maintained in the system Select the appropriate one Incorporation Date Enter the incorporation date Sig ORACLE Currency of Amounts Specify the currency of amount The adjoining option list displays all the currencies maintained in the system Select the appropriate one Capital Specify the capital amount Net Worth Specify the net worth amount Country Specify the country associated with the address specified Business Description Specify the business description Customer Exposure Sector Code Specify the sector code Industry Code Specify the industry code Relationship manager RM ID Specify the relationship manager ID The adjoining option list displays all the RM IDs maintained in the system Select the appropriate one RM Name The system will display the relationship manager name whenever you select RM ID Director Tab Customer Details CustomerNo 000000792 Customer Category C Balance Sheet Sze Customer T
56. are with Quarter1 Quarter2 Quarter3 Quater4 Last year etc You can invoke this screen by typing ORRBENCH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button BenchMark Report Screen iy ustomer Details Customer Number Customer Name Customer Branch Industry Report Details Report Type Quarterly iw Sheet Volume Year Compare With X Quarter x Report Generation Type Data Type Report Format PpF Printer At Client x Report Output Print x Printer azl You can enter the following in this screen Customer Details Customer Number Specify the customer number whose financial ration needs to be compared The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Customer Name The system will display the customer name whenever you select customer number a ORACLE Customer Branch The system will display the customer branch whenever you select customer number Industry The system will display the customer industry whenever you select customer number Report Details Report Type Select the type of the report from the drop down list and the available options are e Quarterly e Yearly Year Specify the financial year which is taken for the report generation The adjoining option list displays all the years maintained in the system Select the appropriate one Quar
57. ation C 7 Operation Existing KVC Required Approval Status Credit Rating Required Customer Liability 000000001 BUY Facility Hierarchy GRE Re avestea Remarks Customer Details 10f1 ticle w Existing Customer Primary CustomerNo Default Customer Name Local Branch Liability Number Balance Sheet Sze Details ooooooo05 M Test 000 000009001 2 GS Documents Customer Covenant CreditAnalysis RiskAnalysis Prov Remark Remarks Faa ORACLE 3 3 14 Collateral Tab You can capture collateral related details of the corporate customer in Collateral tab Manual Credit Appraisal e save Hola Application Number CRPProcess3395 Channel Application Level 1 Application Branch 000 Channel Reference No Application Priority Low Application Date 2015 04 16 External Source User Reference Number O0OELCM151060 Application Category CAMAPP External Source Ref No Application Status Save Customer Operation New IA KYC Required Approval Status ACCEPTED Credit Rating Required Customer Liability 000000792 RETI Detauit Liabili Liabitity Details Customer Details Requested EEE Poo Pricing Terms Exception Remarks 1011 ttiz E J Types CollateraiCodes Default Collateral Description Collateral Branch Collateral Currency Collateral Type Collateral Value W New c3295 Detautt 000 Ge GBP faz 25 000 00 000000793 kz override Collateral Task Completion Documents Pr
58. ation will be sent to customer for acceptance The approver can send back to the reviewer for getting additional details which are essential for the closure of the facility Here the customer can accept the request or renegotiate with the approver The negotiated application will be re evaluated by the approver or reviewer and finalize the changes The finalized approved application will be sent to customer for acceptance To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Review stage when the user has selected ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Facility Closure Acceptance screen am ORACLE Step 5 Closure Advice Generation In this s
59. atus Oe Record Status Industry az Customer No Financial Cycle Financial Year Sheet Name a Worksheet Name Application Category a m ala Records per page 10f1 Authorization Status Record Status Industry Customer No Financial Cycle Financial Year Sheet Name Wrorkshet lt You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Industry Select the industry from the option list Financial Cycle Select the financial cycle from the option list Sheet Name Select the sheet name from the option list Application Category Select the application category from the option list Record Status Select the record status from the drop down list Customer No Select the customer No from the option list Financial Year Select the financial year from the option list Worksheet Name Select the work sheet name from the option list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed e Authorization Status e Record Status e Industry e Customer No oe ORACLE 2 4 e Financial Cycle e Financial Year e Sheet Name e Worksheet Name e Application Category Main
60. atus of the counterparty You can select one of the following watch statuses from the option list e Performing e Underperforming e Watch Amber e Watch Red Industry Analysis Specify a short description about the industry level analysis report as per credit analyser s view Management and Ownership Specify a short description about the management and the ownership of the counterparty from credit analyser s point of view Revenue Profitability Historical Current Performance Specify the historical and current performance of applicant towards revenue and profitability Forecast Sensitivity Analysis Specify the details of forecast and sensitivity analysis of applicant towards revenue and profitability Balance Sheet Analysis Historical Current Performance Specify the historical and current performance of applicant towards balance sheet analysis Forecast Sensitivity Analysis Specify the details of forecast and sensitivity analysis of applicant towards balance sheet analysis Cashflow Analysis Historical Current Performance Specify the historical and current performance of applicant towards cash flow analysis Forecast Sensitivity Analysis Specify the details of forecast and sensitivity analysis of applicant towards cash flow analysis Debit Maturity Liquidity Historical Current Performance Specify the historical and current performance of applicant towards debit maturity and liquidity 288 ORACL
61. ault To include an existing customer you will be allowed to select the customer no and click Default button The system will default the customer details for the selected customer no Description Specify a suitable description about the credit proposal Main Line Code The system will display the main line code Category Specify the category of the request proposal The adjoining option list displays all the categories maintained in the system Select the appropriate one Branch Specify the branch code in which the application is processed The adjoining option list displays all the branch codes maintained in the system Select the appropriate one Currency Specify the currency of preference of the customer The adjoining option list displays all the currencies maintained in the system Select the appropriate one Previous Sanctioned Specify the previous sanctioned amount to the prospective customer Available The system will display the available start date of the loan Requested Specify the loan amount requested by the prospective customer and click Calculate button Expiry Date Specify the expiry date of the loan from the adjoining calendar Maintaining Facility Details Click on Details button in the Credit Appraisal Application Entry screen in Requested Tab to invoke Facility Details screen ou ORACLE Facility Details Application Number Application Category Facility
62. ays the message The task is completed successfully Click Ok button You will be taken back to the Verify SDN Match screen Click Exit button to exit the screen The task is then moved to the next activity Internal Blacklist Check Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Internal Blacklist Check task to acquire it The system displays the information message as xxx Acquire Successful 348 ORACLE If you have requisite rights double click on the task in your Assigned task list and invoke the following screen intemal Blacklist Checks H Save gy Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Date 2013 01 28 Extemal Source Application Category COVN_CAT Extemal Source Ref No Application Priority Low gt User Reference Number 000ELCM1302802JC Application Status CP Enrichment P KYC Required nas Operation Existing Credit Rating Required Customer Liability x 000000062 GEY Default Liability Facility Hierarchy Customer Details 10f1 HE Existing Customer Customer No Default Customer Name Local Branch Liability Number E 000006449 TEST123 000 000000062 Documents MIS Image Previous Rema
63. cccceeeeeeeeeeeeeeeeeeeeeeeaeeeeeeeiaeeeeeeenaaes 2 7 2 8 Maintaining Document Upload isseire ie tanen eeeeneeeeeeeeaaeeeeseeaaeeeeeeetaeeeeseeaes 2 8 2 9 Viewing Document Upload Details 0 eee eee eenne eee eeeneaeeeeeeeaaeeeeeeetaeeeeeeeeaes 2 9 3 Credit Appraisal Management Origination cccccceeseseeeeeeeeeeeeeeeeeeees 3 1 Sel UnthOGUCtON S lt 3 assur tides earr atiede E nies eae ec ATA 3 1 3 2 Credit Appraisal Management Creation Process 2 ceceeeceeeeeeeeeeeteeeeenneeaeees 3 1 3 3 Stages in Credit Appraisal Management Origination ccceeeeeeeeeeeeneeeeeteenteeees 3 3 331 ProCce SS Fow Dia Qra sree na a a 3 4 Ja FOES a E a a ee 3 5 3 3 3 Viewing Liability Details SUMM FY is sssisrsrisasi sarisini iissrodeii enrii eriiiida d iana 3 9 3 3 4 Customer Detalls TaD ei iorrriiieaririiiane rrin i riir Eein a ri a iii eaa 3 10 3 3 5 Capturing Customer Detallls nisusirenesirdiiiieiiareeiiirani iiaii er 3 11 3 3 6 Facility Hierarchy or Liability Detail R PpOrt ccccccceeeeeeeetteeeeeteeneeeees 3 14 33 7 REQUESTED TaD isiseseciis Srsaiensgh a aaa haces a a 3 16 3 3 8 Maintaining Facility Details 000 ecccccccceeee eee tn tte eect tennessee tnaeeeeeetaeeeeenenae 3 17 3 3 9 Facility REStriCtON ccceccccettee tenet eee teneneeeeeteeeeaeeeeteeeeaeeeeteeeaaeeeeteeanaeens 3 26 3 3 10 Facility POO LINK Q atteicies arsadan ieai ieda asiana aa aiaa eaa aiaiai A 3 27 3 3 11 Remarks Tab oraienr
64. ce Sheet Sze BSSIZE BSSIZE Documents FinancialAnalysis LiabilityPreference Custorner Covenant Credi Analysis RiskAnatysis Deal 3 64 ORACLE 7 2 7 3 Calculating RAROC The system will calculate risk adjusted return on capital RAROC using RAROC Calculation screen You can invoke this screen by clicking Raroc button in the Credit appraisal proposal structure screen amp RAROC Calculation Screen Credit Limit 230950 Origination Fee Processing Capital at Risk Fee Fee Other Fees Interest Income Product Fy Product Description f Interest Rate Cost of Funds Rate Expected Loss Other Details Rating asl Operating Cost Expected Loss Tax Rate zl Hurdle Rate RAROC Result Formula Interest Margin interest rate cost of funds rate Interest Revenue Credit Limit X Interest margin Operating cost Credit Limit X Operating cost Fea Revenue Credit Limit X fee Credit Limit X Average expected Loss for a given credit rating Interest revenue fee Revenue Revaluation Details Revenues Expected Loss Operating Cost 1 Tax rate Adjusted Income Adjusted Income Capital at risk aka Economic Capital Raroc Terms Tab In this screen you can view the terms and condition details Credit appraisal review P Joint Borrowers are addsi z 2 n JMA sae A Hoa Terms amp Condition Summary 101 3 E Facility Code Description Category o y OATSPLY
65. ch report If the application details are verified successfully then you can proceed with the processing of the application by selecting PROCEED as the Outcome You can select REJECT to return the process to 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 on the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task 42 ORACLE The system displays the system message as xxx Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed on the right side of the screen Search for your Workflow reference number and click the Workflow Ref No to open Verify Prospect or Customer Details screen Step 3 Initiate KYC Approval sub process 3 1 For new facility creation modification on facility bank will initiate a process for KYC verification for the customer It in
66. cility Displays the pipeline facility code User ID Displays the user ID of the user accessing the report Exposure Code Displays the exposure code Application Number Displays the application number of the facility Tabular Section Column Name Description Exposure Code Displays the code of the exposure Exposure Type Displays the exposure type Overall Limit Displays the overall limit of the expo sure Total Utilization Amount Displays the utilization of the exposure Total Sanctioned Limit Displays the sanction limit Exposure Currency Displays the exposure currency 7 4 4 2 Summary of Pipeline Facilities This report displays the list of pipeline facilities which are falling on the selected pipeline a ORACLE facility s exposure category Pipeline Facility Details Exposure Code SECTORSECTOR6 Pipeline Exposure Facility Details Factity Limit Amount in Exposure CCY Facility Code amp Exposure Currency In this report the following fields are populated Ne ORACLE Header Section Column Name Description Facility Displays the pipeline facility code User ID Displays the user ID of the user accessing the report Exposure Code Displays the exposure code Application Number Displays the application number of the facility Tabular Section Column Name Description Pipel
67. ck the Workflow Ref No to open Credit Appraisal enrichment screen Step 1 Application Entry The credit proposal process initiates with capturing the customer basic details like customer name address corporate details financial information and facility details like no of facilities requested and corresponding credit limit You can maintain the details related to the corporate customer in Credit Appraisal Application Entry screen You can invoke this screen by typing ORDLPAPP ORDLPAP T in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button a ORACLE Note In CRP process use the function ID ORDLPAPP In BPEL CRP process use the function ID ORDLPAP Credit Appraisal Application Entry X H save i Hold Application Number El Channel bl Application Branch Channel Reference No E Application Priority Low X Application Date External Source User Reference Number Application Category azl External Source Ref No 2 Application Status CP Initiation oo KYC Required SERR g E Credit Rating Required nane Customer Liability PAJP View Facility Hierarchy Hierarchy Customer Details Requested Remarks Customer Details 10f1 El T Existing Customer Primary Customer No Default Customer Name LocalBranch Liability Number Balance SheetSze Details Documents CustomerCovenant
68. cludes the internal external verification blacklisting of customer and arrangement for credit scoring through internal external agencies KYC is not applicable for existing customers Option will be provided to skip the KYC verification for existing customer In case the details captured are incorrect the bank makes the necessary modifications If the verification is successful the bank proceeds to conduct KYC checks Once KYC checks are carried out the result is passed on to the parent process If any of the checks fail the relevant regulatory internal authorities are informed Once KYC checks are carried out the result is passed on to the parent process Here you perform the Know Your Customer KYC check on the customer The KYC check depends upon the regulatory environment within which your bank operates and its internal KYC policies Banks initiate the process of KYC review for a customer as a part of parent process with all the relevant information in the system This process comprises the following stages e Verify prospect customer details e Ascertain if KYC checks are required e SDN checks e Verify SDN Match e Internal Black List check e External KYC Checks e Verify customer contact details e Other KYC Checks e KYC Decision Verify Prospect Customer Details Users belonging to the user role KYCEROLE KYC Executive can perform these activities Go to the pending list in the system The system displays all t
69. corporate B Loas CORPORATE m No011 UNENEW O CORPORATE my Lost IO CORPORATE 101 a Terms Apply a IZ iine completion does not as 5 P P Myou carry out any improvi a KO E li Our ioan is to de secured az KO ape ORACLE 7 4 Exception Tab In this screen you can view the facility exception details e Crodit appraisal review fl sae A Hols Customer Details Requested Collateral Poo Pricing Terms REENEN Romans i Facility Exception Details 101 i Facility Code Description Category W OATSPLI CORPORATE 1021 corporate i001 UNENEW CORPORATE L041 IO CORPORATE p 101 i fai gt Oo Exception Considered la m Documents Previous Remarks To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed on the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Credit appraisal enrichment stage if you select ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired u
70. e Time Date Time Record Status Authorization Status You can enter the following in this screen Customer No Specify the customer number whose document needs to be uploaded The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Customer Name The system displays the customer name whenever you select Customer No Upload Reference Number The system will display the upload reference number Document Category Specify the document category for upload The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Upload Document Category Specify the document category for document upload The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Reference Specify the document reference number Document Type Specify the document type for upload The adjoining option list displays all the document types maintained in the system Select the appropriate one Remarks Specify remarks if any zs ORACLE 2 9 Ratio Upload Check this box if you require ratio upload Upload Click Upload Button to upload the document View Click View Button to view the uploaded document Viewing Document Upload Details You can view the document upload details using Document Upload Summary screen To invoke this screen type ORSEX
71. e appropriate one Facility Preferences At enrichment and proposal structuring stages you can capture the preferences for the facility in Facility Preferences screen Click Facility Preferences button to invoke this Facility Preference Application Number BPELCRPProcess394 2 Liability Branch 000 Facility Branch 000 T Application Category CAMAPP ka Liability Number 000000984 Facility Number LINCOD9401 o OAE S User Data Elements Details n Commitment Branch 000 10f1 Elz SOnmemen rere a J Effective Date User Defined Element Id User Defined Element Value RateCode Code Usage Setllement A C H Setllement Branch PPC Project id be PPC Project Reference be Number Commitment Reference Number il m J Charge Details E Admin Charge Type X Utilized Charge Type Bj UnUtilized Charge Type m Admin Charge o Utilized Charge o UnUtilized Charge o Admin Charge Amount 0 00 Utilized Charge Amount 0 00 UnUtilized Charge 0 00 Amount Value Details Schedule Details Exposure Details 101 101 bilas 101 E E Value Date LimitAmount Main Line Code E Limit Date Limit Amount gt E Exposure Code Exposure Descript E Gee f GBP us fz Transaction Country E INDIAMINE be V AGNILSTEEL be INDUSTRY 4 m gt gt lt m Covenant Details Mandate Details 10F4 HEE 101 HEE E Covenant Name Covenant Description Mandatory Frequency Period Sta
72. e contains details of facility structure proposal audit collaterals details pool details and application approvals along with terms and conditions This advice is sent to the customer for acknowledgement If the customer accepts the proposal a signed acknowledged is uploaded into the system for reference 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 on the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Credit appraisal proposal structure screen Step 7 Proposal Structuring Task will remain in the credit appraisal risk evaluation stage unless you select the outcome as PROCEED Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Credit appr
73. e description for facility Category The system will display the category Branch The system will display the branch code Currency The system will display the currency Available The system will display the available balance To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Facility Closure Enrichment screen cia ORACLE Step 2 Facility Closure Enrichment Task will be moved to enrichment stage when the user has selected PROCEED as the outcome and save the task E Save i Hold Application Number CRPClosureProcess 1612 o Channel Application Branch 000 Channel Reference No Application Priority Low x Application Date 2013 01 28 External Source User
74. e liability ID is to be associated with Allocating credit limits for the Line Liability combination can be done The customer s who fall under this Liability Code will in turn avail credit facilities under this Credit line Line Serial Each time a customer line code combination is specified Oracle FLEXCUBE ELCM system assigns a unique serial number to the combination This serial number is unique to the line liability code combination Thus for every new record entered for a Line Liability combination a new serial number is generated The Line Liability Serial number forms a unique combination Line Branch By default the system displays the branch code in which the facility has been created You can change the branch code from the adjoining option list before saving the facility Once the facility is saved you cannot modify the branch code oe ORACLE Description Give a brief description of the facility here Main Line Code Specify the main line code if the created facility is a sub line Line Currency Specify the currency in which the facility is defined The currency that has been selected will have the following implications e The limit amount that has been specified for this Line Liability combination is taken to be in this currency e The line that has been defined will be available for Utilization only in the line currency unless specified otherwise under Currency Restrictions in this screen Once the
75. ection Column Name Description Application Number Displays the application number of the customer Customer Number Displays the customer number Agency Code Displays the agency code of the cus tomer Score Displays the agency score of cus tomer Facility Amount Displays the line amount There are two types of graphs generated e Comparison of all pipeline applications based on the customer score provided by the external agency Total Pipelined Line Amount 16M 14M 12M 10M E LINE_AMOUNT Agency1 Agen 1 A Ageneyt ai Agency2 2 MOODY MOODY C SP 4 Agency Vagencyt Agency2 YN pgency2 8 MOODY 3 SP SP D e Comparison of the calculated grades and scores for each customer is displayed in a graphical format Total Agency Score for Customers MESCORE on 2 OO _ aa 010000000 4S E monenene eer I z0000000 Z ousBby 600000000 oueiiy 610000000 ousby 70000000 oueby 970000000 1 ousby 190000000 ouaby 800000000 Zu y 010000000 Z ousiy SZ7 000000 ZAOUEiy ien000000 Zhoueby 600000000 AG O04 010000000 AQOOW SZ0000000 AGOOW 8Z 000000 AC COW 192000000 AG00W 600000000 dS 610000000 dS ZO000000 dS 978000000 dS 196000000 dS ale ORACLE 7 4 4 Exposure Analysis Report In the Exposure Analysis Report the pipeline facilities are grouped under the same exposure type such as currency customer and sector This report provides an
76. ed Status Liability Name 000000082 i Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 4 10f1 gt Go E Customer No Customer Name Local Branch Liability Number RMID RM Name e F 004011317 KRISH_01 004 000000082 F 00013366 CUST_CORP_B10 FAT 000000082 E 00013369 CUST_CORP_B13 FAT 000000082 F 00013376 00013376 004 000000082 11111RM_3 Sweta F 00014463 TEST33 000 000000082 F 000000082 CUSTO3 000 000000082 DEMORM DEMORM E 000000084 CUST09 000 000000082 X Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Remarks Outcome mo ate ORACLE 5 Covenant Tracking Process 5 1 Introduction The bank financial organization receive a credit proposal application from client customer for covenant process 5 2 Stages in Covenant Tracking Process The different stages in covenant tracking process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages Oracle Business rules that are embedded help the dynamic creation of multiple approval stages The different stages and sub stages in the process flow can be summarized as follows e Receive covenants e Covenants Verification e Follow up 5 2 1 Process Flow Diagram The process flow d
77. ed in the drop down list e Corporate e Individual e Bank Application Number The system will display the application number Full Name Specify the customer full name Customer Name The system will display the customer name Local Branch The system will display the local branch Customer No Specify the customer number of the customer Customer Category Specify the customer category The adjoining option list displays all the customer categories maintained in the system Select the appropriate one Main Tab SN ORACLE Address For Correspondence Name Specify the name of the customer Address Specify the address of the customer in four lines starting from Address Line 1 to Address Line 4 Country Specify the country associated with the address specified The adjoining option list displays all the countries maintained in the system Select the appropriate one Ho Country Specify the head office country associated with the address specified The adjoining option list displays all the HO countries maintained in the system Select the appropriate one Telephone Specify the telephone number of the customer Fax Number Specify the fax number of the customer Email Specify the Email of the customer Mobile Number Specify the mobile number of the customer Language Specify the primary language of the customer The adjoining option list displays all the languages maintained in the system Select the
78. egory PIPELINE 2 Documents Advices 1011 E Check Listitem Mandatory Verified Comments You can enter the following details Check List The system will display the check list details Mandatory The system will default from Documents main screen Verified Check this box to indicate whether the check list items have been verified Comments Specify comments in any a ORACLE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Follow up stage when the user has selected Follow up as the outcome and save the task To acquire next stage select Outcome as Received and then click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Covenant verification screen Step 2 Covenant Verificat
79. ency GBP Netting Required Overall Limit 2 000 000 00 Utilized Amount 0 00 Customer Details 10f1 Existing Customer Primary CustomerNo Default Customer Name Local Branch Liability Number Balance SheetSze Details A E2 000000792 TAY 000000792 000 000000792 Detaits 6 000000793 EEE y 000000793 000 000000792 Documents Financial Analysis LiabilityPreference CustomerCovenant CreditAnalysis RiskAnalysis Deal Prev Remarks Remarks For more details on capturing liability summary details refer the chapter Limits amp Collaterals in Enterprise Limits and Collateral Management user manual Customer Details Tab You can capture the following customer details related to a prospective customer Existing Customer Check this box if you are an existing customer Customer No Select the customer number The adjoining option list displays all the customer numbers maintained in the system Select the appropriate one Default To include an existing customer you will be allowed to select the customer no and click Default button The system will default the customer details for the selected customer number Customer Name Specify the name of the customer Local Branch Select the local branch of an existing customer The adjoining option list displays all the local branches maintained in the system Select the appropriate one Liability Number Specify the liability for all parties other than pri
80. ency according to which the Convent has to collected revised from the drop down list and the available options are aaa ORACLE e Monthly e Quarterly e Half Yearly e Yearly Start Month If the Frequency select is Yearly Half Yearly Quarterly or Monthly then specify the start month here Remarks Specify the remarks about the covenant maintenance Start Date If the Frequency select is Monthly then specify the start date here Step 2 Credit Appraisal Enrichment The information captured in the previous stage is enriched in the credit appraisal enrichment stage The proposal will be enriched by capturing additional information like collateral details which are attached along with the proposal type of the collateral availability of the collateral Original Value market value for the collateral haircut percentage limits which are already sanctioned to the Customer utilized amount proposed new facility limit and the current status of the loans The enriched proposal will be sent for internal review external review for arriving the borrower limit for that customer Credit Appraisal Application Entry a A H sawe A Hold Application Number CRPProcess3858 Channel 3 Application Branch 000 Channel Reference No Application Priority Low Application Date 2015 04 16 External Source PH User Reference Number C00ELCM1510603 Application Category PIPELINE B Extemal Source Ref No 2 Application Status CP Initi
81. ent to customer Step 1 Application Entry In this stage the bank receives an application requesting for the closure of a facility from a prospective borrower customer The relevant documents and financial statements are also provided by the customer If the applicant borrower does not have an account but intends to open one the bank also obtains the account opening form and related documents as part of this activity The following details are captured in this stage Applicant information Facility Details Collateral Pool Details Terms and condition Exception information Documents obtained from the applicant are also uploaded during this stage ORACLE You can key in the applicant details required in Facility Closure Initiation screen You can also invoke this screen by typing ORDLPCIN ORDLPCAP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Facility Closure Initiation H save dif Hold Application Number BPELCRPClosureProces gt Channel Application Branch 000 Channel Reference No Application Priority Application Date 2013 01 28 Extemal Source User Reference Number O00ELCL1302800US Application Category al External Source Ref No 7 Application Status Operation Close F New Application a Customer Liability al g View Facility Details Pool Terms Exception Stage Remarks Liability Details 3 2 Liability Number
82. entry is authorized you cannot change the currency If the limit allotted to this Line Liability combination can be utilized by accounts and transactions in currencies other than the limit currency the limit utilization will be arrived at by using the mid rate for the currency pair as of that day Limit Amount Specify the limit for the facility If you have maintained schedules for limits the system automatically updates the limit amount here on the dates specified for each limit in the schedule Collateral Contribution The collateral amount which has been maintained will be displayed when a collateral code has been picked Transfer Amount System displays the transfer amount resulting from Facilities Amount Transfer transactions The value displayed has either the sign or indicating whether the amount is transferred from or to the line If the sign is then the amount is transferred from the line and if it is then the amount is transferred to the line Effective Line Amount Specify the effective line amount for the facility If you have maintained schedules for limits the system automatically updates the limit amount here on the dates specified for each limit in the schedule Effective Line Basis For defining drawing power of line the elements mentioned below are treated as the basis for the effective line amount calculation e Line Amount Collateral e Line Amount e Minimum of Line Amount and Collateral U
83. ev Remarks Remarks Audit Outcome OoOo fed E You can enter the following details Type Select the facility type from the drop down list and the available options are e New e Existing Collateral Code Specify the code of the collateral for which you are maintaining details The adjoining option list displays all the collateral codes maintained in the system Select the appropriate one Default Click Default button to default the details related to collateral Collateral Description Specify detailed description of the collateral Collateral Branch Specify the collateral branch The adjoining option list displays all the collateral branches maintained in the system Select the appropriate one Collateral Currency Specify the collateral currency The adjoining option list displays all the collateral currencies maintained in the system Select the appropriate one Collateral Value Specify the value of the collateral oe ORACLE Collateral Type Select the type of collateral from the adjoining drop down list Customer No Select the customer number of the collateral from the adjoining option list Task Ref No The system displays the collateral creation task reference number Task Click Task to trigger collateral creation task Override Collateral Task Completion Check this box to override pending collateral creation tasks and proceed with CAM process flow During Collateral Creation in the Credit Review
84. ever you select collateral code Linked Percent The part of the collateral amount which has to be linked to the pool can be specified as a percentage here On save of the record if Linked Percent Number is specified then the system defaults the Linked Amount calculated as Linked Percent Number Percentage of Collateral Contribution Sraa ORACLE 3 3 16 Linked Amount When a collateral pool comprising the collateral is linked to the facility the system computes and displays the amount to be linked The linked amount of Collateral pool is computed based on the pool percentage or pool amount specified when a collateral pool is linked to a Facility Linked Amount in Pool Currency The system displays the linked amount in pool currency Order Number Specify the order number Spread The system displays the spread Rate of Interest The system displays the rate of interest Expiry Date The system displays the expiry date The details related to the corporate customer application entry are displayed in this screen Deal Information You can capture the purpose of the application in Deal sub screen Based on the details provided here you can structure the deal amount into respective lines and sub lines Deal Information Funding Details Deal Description Comments Equity Organization share E i From Public aE Project Start Date From Equity Partners Project End Date E RRE An
85. fic customers You can click two or more customers by clicking the Select check box to generate a questionnaires comparison report You can alternatively deselect the Select check box and generate a questionnaires report for all customers for a specific application number Analysis Summary Application Number CRPProcess1965 10f13 gt Select Customer No F 00100002 Ae 000000116 mw 000000133 wy Vv 231232 apa 000000216 ry 000000233 Questionnaires Report External Agency Analysis Short Name SDS023 000000133 231232 000000216 000000233 m Liability No 00100002 000000116 3435567 00100002 LIABOO1 000000134 Branch Code 000 Customer Category Customer Type A CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE CORPORATE z o0oa000 0 Financial Ratio Analysis Click the Questionnaire Report button in the Analysis Summary screen to view the questions answers provided by the customer and the assigned score This comparison report can be generated to compare the score between two prospective customers or more than two prospective customers The following fields are populated in this report Comparison between 2 Customers Header Section The header contains the customer number ORACLE 7 4 3 Tabular Section Column Name Description Question Category Displays the category of the question Questionnaire
86. fy the next revaluation date oat ORACLE 3 3 15 Guarantee based Guarantor Id Specify the guarantor Id of the collateral The adjoining option list displays all the guarantor Ids maintained in the system Select the appropriate one Revokable Check this box to indicate whether revokable is required Revoke Date Specify the revoke date Issuer Details Issuer Name Specify the issuer name of the collateral Issuer Reference Number Specify the issuer reference number Pool Tab You can capture collateral pool related details of the corporate customer in Pool tab Credit appraisal review fad save A Hold Customer Details Requested Collateral BJ Pricing Terms Exception Remarks Poot Details 1014 z Types Pool Code Default Pool Description Pool Branch Pool Currency Pool Amount Pool Utilized pa E Enisting POOL 000 GBP 76 320 00 0 00 H m Collateral Pool Linkage 101 z Collaterali Codes Collateral Description Collateral Branch Collateral Currency Collateral Amount Linked Percent Linked Amount Lre E COLATO12 COLATO12 000 GBP 5 400 00 80 4 320 00 B cot 000 GBP 90 000 00 80 72 000 00 4 m i gt Documents Previous Remarks Remarks Audit _ 0 Ek You can enter the following details Pool Details Type Select the facility type from the drop down list and the available options are e New ae ORACLE e Existing Pool Code Specify the Pool Code here
87. ge e Fixed 3 24 ORACLE Utilized Charge Specify the percentage of utilization Utilized Charge Amount Specify the amount that has been utilized UnuUtilized Charge Type Specify the unutilized charge type This charge can be one of the following types e Percentage e Fixed UnUtilized Charge Specify percentage of unutilized charge Unutilized Charge Amount Specify the unutilized amount Value Details Value Date Specify the value date Limit Amount Specify the limit amount Main Line Code The system displays the main line code Schedule Details Limit Date Specify the limit date Limit Amount Specify the limit amount Exposure Details Exposure Code For new applications when you open Facility Preference screen for the first time by default the system adds two exposure codes i e the facility currency code and customer country code Additionally if you have defined a sector code or industry codes in Customer Details screen while creating the application the system adds those also as exposure codes You can change the exposure codes displayed by the system You can also define additional exposure codes by clicking add button Exposure Description The system displays the exposure description Exposure Type The system displays the exposure type of the selected exposure code eae ORACLE Covenant Details Covenant Name Specify the covenant name Covenant Description The
88. he Credit Appraisal Management process e Credit Recommendation and Review ORDLPREV e Approval ORDLPAPR The report consists of the two sections which are as follows it ORACLE Header Section Column Name Description Industry Displays the industry name From Year Displays the starting year To Year Displays the ending year Balance Sheet Size Displays the size of the balance sheet Quarter Displays the financial quarter for which the data is being displayed Tabular Section Column Name Description Financial Year Displays the financial year Financial Quarter Displays the financial quarter for which the data is being displayed Financial Ratio Displays the name of the financial ratio Customer Number Displays the customer number of the customer whose data is being dis played Customer Name Displays the name of the customer Value Displays the ratio value of the cus tomer You can filter your report data as per the following search parameters e Industry e Balance Sheet Size e Financial Quarter e Financial Year These filters can be modified by the user as per the business requirement 7 8 ORACLE 7 4 2 artisio Anehon Hepsi PN YEAR PDN CUSTOMER NO 000000009 Cakculated vatues for Quarters and comparison with Benchmart mms ip x J B oom uum avo E OOA OAT M pist of Batien
89. he pending activities Click Acquire button adjoining the Sub process KYC Review task to acquire it The system displays the information message as xxx Acquire Successful Sa ORACLE If you have requisite rights double click on the task in your Assigned task list and invoke the following screen Verify Prospect Or Customer Details H save i Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 Extemal Source Application Category COVN_CAT External Source Ref No E J KYC Required Operation Existing s ea E User Reference Number OO0ELCM1302802JC Application Status CP Enrichment Z Credi Customer Liability 000000062 Facility Hierarchy Customer Details 10f1 Sil Existing Customer Customer No Default Customer Name Details a 000006449 TEST123 Documents MIS Image Previous Remarks Remarks Outcome T E Click Document button to invoke Document Upload screen The verifier will be able to update only remarks and upload documents that he might obtain in this stage Documents Application Number Application Category CAMAPP tue Advices Checklist Document Upload 10f1 Go Ej Document Category Document Reference Document Type Mandatory Ratio Upload Uploz a kE iz bel a c
90. iagram given below illustrates the activities carried out during the different stages of the workflow I nitiate a Covenant Task which are due due for revision Receive covenant details Verify or follow up Additional info required Additional info required Covenant followup Covenant verification Verify sl ORACLE 5 2 2 Process Matrix The process matrix given below lists out the different stages the user role handling each stage the function Ids involved and the exit points for each stage Stage Stage Title Description Function ID Exit point 1 Receive Stage to receive the ORDCVREC Received covenants covenants from the cus Follow up tomers Covenant related informations are displayed as part of the data entry stage The end user will upload the received document from the customer 2 Covenants Stage for the reviewer to ORDCVVER Verified Verification verify the covenants and os Additional track the document for info closure 3 Covenant Stage for follow up the ORDCVFUP Received Follow up covenants from the cus Additional tomer info Step 1 Receive Covenant Details In this stage the bank receives an application covenant details which will be tracked in the process Facility will be provided to view the interaction which has been carried out with the customers and list of covenants which are pending received from the customer
91. ication Date 2015 04 16 Number 000ELCM1510603 gt Ai ation PIPELINE Applica tatus CP Approval hd peration New i f KYC Required Approval Status APPROVE Z Credit Rating Required Customer Liability 000000976 Default Liability Liability Details Facility Hierarchy CA Reauestea Collateral Pool Pricing Terms Exception Remarks Liability Detais Liability Number 000000976 Liability Clean Risk Limit 0 00 Liability Name 000000976 Secondary Clean Risk 0 00 Main Liability No Urnit Secondary Pre Settlement Liability Branch 000 Unadvised Senet ae nurse igi ty Currency GBP Netiing Required Overall Lima 1 000 00 mized Amount 0 00 Customer Details 1011 E Existing Customer Primary Customer No Default Customer Name Local Branch Liability Number Balance Sheet Sze Details z 000000976 PRIYAK 000 000000976 BSSIZE cooo00s77 EEE Ronn 000 000000976 BSSIZE Cotas 000000978 GEM Asean 000 000000976 BSSIZE Documents Financial Analysis Liability Preference Customer Covenant CreditAnatysis RiskAnatysis Deal To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successfu
92. ications It is not developed or intended for use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to thi
93. ify the user reference number Customer Liability Specify the customer liability The adjoining option list displays all the customer liabilities maintained in the system Select the appropriate one Facility Details Tab You can capture the following customer facility credit proposal details Facility Closure Initiation Este A Hols a Operation Close New Application Customer Liability FE P View Customer Detaiis Fenris Pool Terms Exception Stage Remarks Facility Details 1 Of 1 Facility Code Line Serial Action Default Description am a Facility Transfer Details 10f1 Transfer Reference Number To Liability Number To Line Code To Line Serial To Facility Currency To Facility Amount To Facility Available Amount Tran Documents Customer Interations 360 Degree Borrower View Customer Covenant Previous Remarks Outcome ME You can enter the following details Facility Details Facility Code Specify the facility code The adjoining option list displays all the facility codes maintained in the system Select the appropriate one Line Serial The system will display the line serial number a ORACLE Action Select the action to be performed on facility from the drop down list and the available options are e Close e Transfer Default Click Default button to default the details Description The system will display th
94. ility 000000062 Ba Default Liability Facility Hierarchy Customer Details 10f1 V Existing Customer Customer No Default Customer Name Local Branch Liability Number Details al 000006449 TEST123 000 000000062 Documents MIS Image Previous Remarks Remarks Audit Outcome mo Click Details in the KYC Decision screen to invoke Customer Details screen a Re ORACLE Customer Details KYC Corporate Profile External KYC Remarks SDN Result NO MATCH 104 Internal Blacklist Result NOT FOUND Contract Verification good Remarks SDAF Other KYC Remarks fin WIKYC Passed o Name KYC Director Profile External KYC Remarks 10f1 3 10f1 It Internal Blacklist Check Contact Verification Remarks Other KYC Remarks KYC Passed X Vv Name NOT FOUND Good v E FGFG In this screen you can view the complete information of the applicant The outcome of various stages of KYC sub process is displayed in the Audit block Based on these information you can inform the customer if you enter into a relationship with the prospect continue relationship in case of an existing relationship or not as part of the parent process Based on the decision select the outcome as FAILED or PASSED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the
95. ils After verifying the details select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Other KYC Checks screen Click Exit button to exit the screen The task is then moved to the next activity KYC Decision After verifying and evaluating the KYC information bank decides whether it should enter into a relationship with the prospect continue relationship in case of an existing relationship or not Users belonging to the user role KYCMROLE KYC Manager can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the KYCDecision task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen KYC Decision r x H Save M Hold Application Number CRPProcess16080 Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCM1302802JC Application Category COVN_CAT External Source Ref No Application Status CP Enrichment gt 7 VIKYC Required as Operation Existing credit Rating Required Customer Liab
96. ine Application Number Displays the application number of the facility Line Code Displays the line code Line Serial Displays the serial number of the line code Liability Number Displays the liability number of the line Line Currency Displays the currency of the line Limit Amount Displays the amount of the line Exposure Displays the type of exposure Exposure Currency Displays the exposure currency 7 4 4 3 Summary of Expiring Facilities within the next 6 months This report displays a list of facilities falling on the selected pipeline facility s exposure category which would expire within a span of 6 months This enables you to analyse the list 716 ORACLE of facilities belonging to a specific exposure category which may expire in the near future Expiring Facility Details In this report the following fields are populated ii ORACLE Header Section Column Name Description Facility Displays the pipeline facility Exposure Code Displays the exposure code Application Number Displays the application number of the pipeline facility User ID Displays the User ID of the user accessing the reports Tabular Section Column Name Description Facility Code and Serial Number Displays the pipeline facility code with the serial number Line Currency Displays the facil
97. initiated when a prospective customer approaches the bank for setting up a new facility or extend the facility limit to get new additional loans The proposal application will consist of customer details financial information and the requested credit limit details The credit proposal process will be initiated with capturing the customer basic details like customer name address corporate details financial information and facility details like no of facilities requested and corresponding credit limit The entire process is carried out in multiple stages and on successful completion of each stage it moves automatically to the next stage Credit Appraisal Management Creation Process The Oracle FLEXCUBE provides the following features for Corporate customers e Apply for a new facility e Amendment on existing facility e Closure of facility e Transfer of facility e Financial ratio Benchmark comparison reports for a specific period quarter e Facility to change the financial elements and re compute the financial ratios e Facility to upload the financial documents Corporate credit appraisal process flow uses Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages S No Process Process Description Functionality Name Type 1 CRPPro BPMN BPMN pro New Customers cess cess for han f i i Creation of new facility dling the Cred
98. ion Task will be moved to completed stage when the user has selected VERIFIED as the outcome and save the task Covenant Verification H Save 4 Hold Process Ref No Branch Code Initiation Date Application Category ovenant Details Covenant Reference Number Covenant Id Covenant Name Revision Related To Credit Appraisal Reference No Track Customer Collateral Code Description Liability No CVN14010247867 000 2013 01 28 COL_3168_1 3168 INSURANCE Collateral CIF Tracking Required NEW_COLLAT New collateral for vodafo 000016820 Priority Approval Status User Reference Number Facility Line Facility Serial Description Customer No Customer Name Covenant Due Date Frequency Next Revision Date Covenant Verification 2013013029107 2013 01 26 Next Revision Required Monthly 2013 02 28 Description VODAFONE Cust Interaction Customer Covenants Documents Previous Remarks Remarks Auct Otome EE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task
99. it pro Existing Customers posal Creation of new facility Amendment of exist ing facility Amendment of exist ing facility with new collaterals collateral pool s ORACLE S No Process Process Description Functionality Name Type 2 BPELCRP BPEL BPEL pro New Customers Process cess for han i i Creation of new facility dling the Credit pro Existing Customers posal Creation of new facility approval Amendment of exist ing facility Amendment of exist ing facility with new collaterals collateral pool 3 CRPClo BPMN BPMN pro Facility Closure sureProcess cess for han a Facility Transfer dling the facility clo sure Trans fer 4 BPELCRP BPEL BPEL pro Facility Closure ClosurePro cess for han a Facility Transfer cess dling the facility clo sure Trans fer 5 Bpelcvnpro BPEL BPEL pro Process for tracking cess cess for the underlying facility tracking the covenants collateral Covenants covenants and cus tomer covenant 6 Covenant BPEL BPEL pro process to initiate the Poller cess for initi covenant tasks for the ate the covenants which are Covenants on due revision date 7 KYCCheck BPMN BPMN pro Process for initiating cess forKYC the KYC corporate Corporate review for the custom Review ers Creating a New Facility for a New Customer You can capture the details like customer details Liability details Collateral details a
100. itiation parameter is maintained The adjoining option list displays all the covenant names maintained in the system Select the appropriate one Covenant Description The system will display the description However you can modify it Initiation of Covenant Tracking Process Covenant Tracking Required Check this box to indicate whether the covenant tracking is required No of days before Due date Specify the number of days before which the task needs to be initiated from the due date Days after due date Specify the number of days before which the task needs to be initiated from the revision date 2 ORACLE 7 1 7 2 7 Reports Introduction This chapter deals with the various BIP reports that are available for the Credit Appraisal Management origination process The reports that are available are e Horizontal Vertical Analysis Report e Benchmarks Report Pipeline Analysis ReportTo generate any of these reports go to Task tab Under Origination menu choose Reports A list of reports in Origination module will be displayed You can choose to View or Print the report on clicking of the particular report The selection options that you specified while generating the report a printed at the beginning of every report Generating Horizontal or Vertical Analysis Reports You can compare the financial ratios with previous Quarter year using Horizontal or Vertical Analysis Report screen The system will allow
101. ity line currency Limit Amount Displays the facility limit amount Expiry Date Displays the expiry date of the facility Exposure Country Displays the country of exposure for the pipeline facility Exposure Currency Displays the currency of exposure for the pipeline facility Overall Exposure Amount Displays the total exposure amount ORACLE 8 Function ID Glossary O ORDLPCIN ORDLPCAP 4 6 ORDBSZMT cescesccsseeeseeeees 2 6 ORDLPCRT ossis 4 12 ORDCLAPP 0 005 4 6 6 2 ORDLPRTY eee 3 71 ORDCTRMT o ccscccssesceeeeees 6 2 ORDRATBM s eee 24 ORDEXLMD cscssceeeeeoeee 2 1 ORRBENTH sssesssesseeees 7 3 ORDEXLUP cesccssessteseeoeee 2 8 ORRFACTR o seessesseesteeseeees 7 1 ORDLEADM sscccsscecsteeoees 3 7 ORSBSZMT 2 sss 27 ORDLPAPP se cictcicctstacececscnace 3 7 ORSEXLMD osses 2 2 ORDLPAPP ORDLPAP1 3 7 ORSEXLUP eee 2 9 ORSRATBM ccscesscsseesoeen 2 5 a ORACLE
102. k Exit button to exit the screen The task is then moved to the next activity a0 ORACLE 3 3 3 4 SDN check In this stage the bank checks the applicant s name for terrorism related black listing against the SDN database maintained by the Office of Foreign Assets Control OFAC In case of a no match the process proceeds In case of a match positive partial you can verify the match again using the OFAC guidelines A system task is created which invokes the external service to do the SDN check for all new applicants and any existing customers whose information is modified All nominee details are also sent for SDN check Verify SDN Match The bank checks the applicant s name for terrorism related black listing against the SDN database maintained by the Office of Foreign Assets Control OFAC In case of a no match the process proceeds In case of a match positive partial you can verify the match again using the OFAC guidelines Users belonging to the user role KYCMROLE KYC Manager can perform these activities Go to the pending list in the system The system displays all the pending activities Click Acquire button adjoining the Verify SDN Match task to acquire it The system displays the information message as xxx Acquire Successful If you have requisite rights double click on the task in your Assigned task list and invoke the following screen e werity SDN Match Fl save 4 Hold
103. k will move to Facility closure initiation stage when the user has selected ADDITIONAL_INFO as the outcome and save the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Facility Closure Review screen os ORACLE Step 3 Facility Closure Review Task will be moved to review stage when the user has selected PROCEED as the outcome and save the task Facility Closure Review H Save 4i Hold Application Number CRPCIosureProcess161 5 Channel Application Branch 000 Channel Reference No ol Application Priority Low Bo Application Date 2013 01 28 External Source User Reference Number OOOELCL1302800UV Application Category COVN_CAT External Source Ref No Application Status Operation Close v Customer Liability 000000082 Facility Details Pool Terms Exception Stage Remarks Liability Details Liability Number 000000082 Liability Branch 000 User Defined Status Liability Name 000000082 Liability Currency USD Revision Date Main Liability No Overall Limit 450 000 000 000 00 Liability Category Utilized Amount 650 000 00 Customer Details 10f1 E Customer No Customer Name Local Branch Liability
104. l on successful acquisition of the task Task will be moved to Approval stage if you select NEGOTIATE as the outcome and save the task Task will be moved to termination stage if you select NOT ACCEPTED as outcome and save the task Once the task is moved to termination activity it will not be available for further activities SDa ORACLE Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to go to next stage Customer Acceptance Advice The system generates a Customer Acceptance Advice This advice contains details of facility structure proposal audit collaterals details pool details and application approvals along with terms and conditions This advice is sent to the customer for acknowledgement If the customer accepts the proposal a signed acknowledged is uploaded into the system for reference Step 12 Facility Document Generation In this stage the system will automatically initiate the generation of facility documents It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 13 DB Hand off In this stage the system will automatically invoke the
105. lity details which needs to be closed as part of the approval process ORDLPCIN ORDLPCAP PROCEED Facility clo sure enrich ment This stage is for enrich ing the facility details documentation for clos ing the facility As part of the data cap ture the underlying col lateral pool and collateral will be dis played in the screen and allow the user to select the option either to close the collateral collateral pool or delink the collat eral collateral pool ORDLPCEN PROCEED ADDITON AL_INFO Facility clo sure Review Stage for capturing the reviewers comments ORDLPCRV PROCEED ADDITON AL_INFO Facility clo sure Approval Stage for approver to approve the proposal ORDLPCAR PROCEED ADDITON AL_INFO Closure advice gen eration Stage for generating the facility closure advice DB Hand off Stage for Hand off the Limit details to ELCM system for closing the facility Manual Retry option will be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices ORACLE Stage Stage Title Description Function ID Exit point Hand off Manual Retry option will ORDLPCRT PROCEED Retry be provided to resubmit the Hand off in case the hand off got failed due to unavailability of ser vices Advice to Stage for confirming the ORDLPCCA SENT Customer closure advice s
106. lysis Report The Financial Ratio Analysis Report is a financial ratio comparison report generated for selected prospective customers The financial ratios calculated from the balance sheet are compared and a report is generated This report includes financial ratios like liquidity ratio asset or liability ratio and so on The reports compare financial ratios between prospective customers across quarters and across years It also provides a comparison between the customer s financial ratio against the benchmark ratios maintained by the bank The inputs for this reports are the financial ratio data prospect customers data and financial years on the basis of which the report is generated You can define the rules to maintain the financial ratios which are taken as an input from the balance sheet cash flow statements or statement of retained earnings These rules can be defined in the Credit Ratio Maintenance ORDRATMT screen For more information on this screen refer to the section Credit Ratio Maintenance in the Origination Maintenances User Manual The financial statements of the prospective customers like balance sheet cash flow statement and so on are uploaded at the application entry or the credit enrichment stage Subsequently the financial ratios are computed based on the template maintained Click the Financial Ratio Analysis button appearing in the Analysis Summary screen during the following stages in t
107. mary applicant The adjoining option list displays all the liability numbers maintained in the system Select the appropriate one ae ORACLE 3 3 5 Capturing Customer Details Click on Details button to enter the details on existing customer in the Credit Appraisal Application Entry screen to invoke Customer Details screen However for an existing customer the system defaults all the customer details Customer Details Customer Type Corporate Full Name CustomerNo 000000792 individual Customer Name 000000792 Customer Category C Local Branch 000 Balance Sheet Sze Application Number CRPProcess3395 E director Address For Correspondence Registration Address Business Description Name 000000792 Same as Address Line 1 000000792 Correspondence Address Address Line 2 Name Customer Exposure Address Line 3 Address Line 1 Suctor Code Address Line 4 S Industry Code pinnae Address Line 3 County IN Address Line 4 Relationship Manager HO Country IN Pincode RMID Telephone ISD Code Couny RM Name Telepnone incorporation Misc Details Fax ISD Code Date Location Code Fax Number Currency of Amounts Credit Rating Mobile ISD Code Capital Reversal Date Mobile Number Net Worth Email Country Stews Language ENG CRM Customer Communication Mode Email Issuer Customer Mobile Treasury Customer You can enter the following details Customer Type Select the customer type of the customer from the following options provid
108. n Remarks Liability Details Liability Number 000000792 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000792 Revision Date Secondary Clean Risk 0 00 Limit in Liabil Liability Cate ee el a m Secondary Pre Settlement 0 00 Liability Branch 000 L UnAdised Risk Limit Liability Currency GBP Wetting Required Overall Limit 2 000 000 00 Utilized Amount 0 00 Customer Details 41001 gt DI 5 EE M Existing Customer Primary CustomerNo Default Customer Name Local Branch Liability Number Balance SheetSze Details A ao E 000000792 EEE 000000792 000 000000792 Ho 000000793 FAY 000000793 000 000000792 Documents Financial Analysis Liability Preference CustomerCovenant CreditAnalysis Risk Analysis Deal a Prev Remarks on ORACLE 4 1 4 Credit Appraisal Management Closure Transfer Process Introduction The bank financial organization receive a credit proposal application from client customer for closing the existing facility or Bank Customer initiates the transfer of unutilized facility to another facility of the same liability since the facility is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date The proposal application consists of customer details financial information and the existing facility details Closure Process The bank initiates the facility closure for a customer since the facility
109. n maintain the balance sheet size and the size of the balance sheet are classified based on the Amount range using Balance Sheet Maintenance screen You can invoke this screen by typing ORDBSZMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Balance sheet size Maintenance H save npon Sheet Size Description Se Currency az Balance Sheet Range From Amount To Amount Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Balance Sheet Size Specify the unique name to identify the balance sheet size Description Enter a brief description about the balance sheet size Currency Specify the currency to define the balance sheet size 26 ORACLE 2 7 Balance Sheet amount range From Amount Specify the range for balance sheet size To Amount Specify the range for balance sheet size Viewing Balance Sheet Size Details You can view the balance sheet size details using Balance Sheet Size Maintenance Summary screen To invoke this screen type ORSBSZMT in the field at the top right corner of the Application tool bar and click the adjoining arrow button Balance sheet size Maintenance Summary IE Search Ct Advanced Search fJ Reset 4 Clear All Case Sensitive Authorization Status Ba Balance Sheet Size asl Records per page 15 7 10f1 Au
110. nalytical reports the reviewer or approver can analyse each individual pipeline facility and approve or reject the facilities accordingly The following pipeline facility analysis reports are pre defined in the application e Financial Ratio Analysis Report This report is generated based on the financial ratios and financial statements maintained by the bank e Questionnaire Report This report is generated based on the questionnaires maintained by the bank the credit score and grade which are computed based on the answers provided by the prospective customers e External Agency Report This report is generated based on the external agency grades and scores e Exposure Analysis Report This report analyses exposure on pipeline opportunities tasks This analysis includes exposure on currency customer and sector level exposure To view these reports invoke the Analysis Summary screen Analysis Summary Application Number CRPProcess1965 Branch Code 000 10f13 gt 2 Select Customer No Short Name Liability No Customer Category Customer Type x 00100002 00100002 CORPORATE c zZ 000000116 sDS023 000000116 CORPORATE c A g 000000133 000000133 3435567 CORPORATE C a F 231232 231232 00100002 CORPORATE c 000000216 000000216 LIABOO1 CORPORATE c 000000233 000000233 000000134 CORPORATE c lt m b This screen is available as a button as a part of the Credit Appraisal Management process and can be invoked
111. ncollected Amount Specify the uncollected amount Block Amount Specify the block amount Approved Limit Amount This is the maximum limit amount allowed for the facility and must be specified whenever you maintain schedule limits System ensures that neither the Limit Amount maintained here nor oe ORACLE the schedule Limit Amount maintained as part of the limits schedule is greater than the limit specified here Max Daily Limit Specify the maximum daily limit amount Day Light Limit Specify the day light limit Category Specify the category for which the transactions authorize maintenance is being done Having specified the category for the liability and the facility the transaction authorize maintenance can be done for the same category When the Exception Txn Amount or Exception Breach Percentage gets breached for a line belonging to the same category as defined in the transaction authorize maintenance the transaction will be available in the queue defined in the transaction authorize maintenance for the specific category User Defined Status Specify status of the facility e g NORM for normal BLOCKED etc from the list available here The list displayed here is based on maintenance done in User Define Status Summary screen Status Changed Date Specify the date on which you wish to change the status You can specify a date before the line start date to block the line till the specified date Also you can se
112. nd collateral pool details for availing the new facility and the following operations can be done e Multiple customers to avail the facility e multiple collaterals linked to the liability e Multiple facility linked to a liability The following core validation will be done to evaluate the captured information before saving the details in process flow 2 ORACLE 3 3 e Customer details e Liability details e Facility details e Collateral details e Collateral pool details After the approval the following details will be handed over to Oracle FLEXCUBE ELCM in this order e Customer details e Liability details e Collateral details e Collateral pool details e Liability customer linkage details For the existing customer customer details will be modified For new customer the system will invoke the customer creation service and creates the new customer Creating a New Facility for an Existing Customer The customer details from Oracle FLEXCUBE for availing the new facility and update an indicator existing customer as existing customer The customers who are having the same liability will be taken for availing the facility The core validation will be invoked to evaluate the captured information before saving the details in process flow e Customer details e liability details e Collateral details e collateral pool details After the approval the following details will be handed over to Oracle FLEXCUBE E
113. nder Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Credit appraisal review screen PPR ORACLE Step 8 Recommendation amp Review Task will be moved to Recommendation amp Review stage when the user has selected PROCEED as the outcome and save the task Credit appraisal review X bi save A Hoid Application Number CRPProcess1625 Channel Application Level Application Branch 000 Channel Reference No Application Priority Low X Application Date 2014 11 03 External Source User Reference Number OOOELCM143D701 Application Category PIPEUINE External Source RefNo Application Status CP Review sd Operaton New nee homaed Approval Status PROCEED Credit Rating Required Customer Liability 000000349 F Cefaun Liabitey Liability Getaits Facility Hierarchy E Collateral Poot Pricing Terms Exception Remarks jahiitty Detatts Liability umber 000000349 User Defined Status Liability Clean Risk Limit 0 00 Liability Name 000000349 Revision Date Secondary Clean Risk 0 00 Main Liab lity No Liability Category Limit ch 000 unadvised Secondary Pre Setiement 0 00 Liability Branch SANGRES Risk Limit Liability Currency GBP Netting Required Overall Limit 2 000 000 00 Utilized Amount Customer Details tort A ExstingCustorner Primary CustomerNo
114. o Orginat Request customer a Documents Presentes oc o Display Closure Remans No for Customer Closure Remas io Drect Access Channet Channel User iD 4 ORACLE 1 3 5 2 3 Viewing Customer Covenant Details You view the covenants which has been received or pending to receive from the customers through Customer Covenant screen To invoke this screen click Customer Covenants button in Receive Covenant Details screen X Customer Covenants Covenant Ref No Customer No 1 0f1 z Covenant Ref No Covenant Id Covenant Type CAM Application No Covenant Related To z You can view the following details e Covenant Reference number e Customer Number e Covenant Id e Covenant Type e CAM Application No e Covenant Related To Maintaining Document Details You can maintain the customer related documents in credit appraisal management repository through the Documents screen Click Documents button from Credit Appraisal Application Entry screen to invoke this screen Documents Application Number Application Category CAMAPP Ete Advices Checklist Document Upload 1 Of1 ii Document Category Document Reference Document Type Mandatory Remarks Ratio be 2 You can enter the following details o ORACLE Document Category Specify the category of the document to be uploaded The adjoining opti
115. ocess flow diagram given below illustrates the activities carried out during the different stages of the workflow J identify the Covenants Collect Covenant details from db in the form of xml to initiate the task Create a task in Covenant tracking process flow Covenant Process Update the Success Failure of task creation oal ORACLE Step 1 Process for Initiating Covenant Maintenance In this stage the bank receives an application covenant details which will be tracked in the process Facility will be provided to view the interaction which has been carried out with the customers and list of covenants which are pending received from the customer To capture the no of days before the covenant task needs to be created from the due date revision date You can key in the covenant details required in Covenant Process Initiation Maintenance screen You can also invoke this screen by typing ORDCTRMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Covenant process Initiation Maintenance fl Save Covenant Name laa Covenant Description Initiation of Covenant Tracking Process Covenant Tracking Required No of days before Due date Days After due date Date Time Date Time Record Status Authorization Status You can enter the following details Covenant Name Specify the name of the covenant to which the task in
116. on list displays all the document categories maintained in the system Select the appropriate one Document Reference Specify the document reference number Document Type Select the type of document The adjoining option list displays all the document types maintained in the system Select the appropriate one Mandatory Check this box to indicate whether the document is mandatory Compute Check this box to indicate whether the document to be computed Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below aad cece Upload Document Path Browse _ Submit f Cancei In the Document Upload sub screen specify the corresponding document path and click the Submit button Once the document is uploaded through the upload button the system displays the document reference number View Click View button to view the document uploaded Verified Check this box to indicate whether the document to be verified Remarks Specify remarks if any sp ORACLE 5 2 3 1 Report Tab Application Number CRPProcess3466 gt Application Category PIPELINE 2 Documents Checklist 1 0Of1 i E ReportName Template Format Altribute Locale View You can view the following details e Report Name e Attribute Template e Attribute Format e Locale e View 5 2 3 2 Checklist Tab Application Number CRPProcess3466 K Application Cat
117. or management Credit proposal approver for final approval ha ORACLE Credit appraisal approval x BA save A Hol ation Number BPELCRPProcess367 n Branch 000 hannel Refer Application Level 1 Low bd 2015 04 16 External S User Reference Number QOOELCM15106034 Application Category PIPELINE External Sourc Applicatic CP Approval hd peration Existing B STENS Approval Status APPROVE Credit Rating Required Customer Liability 000000009 Default Lianility Liability Details Facility Hierarchy GREE Requested Collateral Pool Pricing Terms Exception Remarks Liability Detaits Liability Number 000000009 User Defined S bility Clean Risk Limit 0 00 Liability Name 000000009 Revision D Secondary Clean Risk 0 00 Main Liability No Liability Category n 5 etal a Secondary Pre Semement 0 00 Liability Branch UnAdsed Risk Limit Liability Currency GBP Netting Required Overall Limit 999 999 999 999 00 Udtized Amount 0 000 00 Customer Details as fe E Existing Customer Primary CustomerNo Default Customer Name Local Branch Liability Number Balance Sheet Sze Details E 000000915 EE PRAMA 000 000000009 BSSIZE 000000916 EON cHarTRA 000 000000009 BSSIZE 000000917 Gl oveeny 000 000000009 BSSIZE Documents Financial Analysis Liability Preference Customer Covenant CreditAnalysis RiskAnatysis Deal e Prev Remarks To acquire the next stage you need to go to the Task menu and select Assigned
118. oved to acceptance stage when the user has selected ACCEPTED as the outcome and save the task one ORACLE After the approval the sanctioned credit proposal package will be sent to customer for acceptance The approver can send back to the reviewer for getting additional details which are essential for sanctioning the credit limit The customer can accept the sanctioned proposal or can renegotiate the sanctioned limit by providing additional details like new collaterals or evaluating the collaterals and propose to increase the limit A detailed renegotiation request from the customer will be documented and attached along with the task while sent for renegotiation The negotiated application will be re evaluated by the approver or reviewer and change the limits accordingly The finalized approved limit will be sent to customer for acceptance After customer acceptance the sanctioned liability facility and collaterals will be systematically handed over to ELCM by invoking the Liability facility and collateral creation modification services for new customer modification of the existing customer details the core STDCIF call will be invoked to create a customer modification of the existing customer in Core system For existing customer the liability will be linked through the ELCM services H Save A Hold Application Number BPELCRPProcess390 hannel Application Level 1 Application Branch 000 t Prionty Low bd Appl
119. overall summary of facilities belonging to a specific exposure type Click the Exposure Analysis Report button in the Analysis Summary screen during the following stages in the Credit Appraisal Management process to generate the Exposure Analysis Report e Credit Recommendation and Review ORDLPREV e Approval ORDLPAPR You can generate the following exposure reports as part of the pipeline facility analysis e Overall Exposure v s Sanction Amount v s Utilization e Summary of Pipeline Facilities e Summary of Expiring Facilities within the next 6 months 7 4 4 1 Overall Exposure v s Sanction Amount v s Utilization This report displays the overall exposure and utilization of the exposure to which the pipeline facility belongs to It also displays the sum of the facility amount which is sanctioned or approved for that specific exposure category EXPOSURE CODE FACILITY CODE USER ED SHOBADO APPLICATION HUMBER CRPProcesl65 Apply exposureutilizationsumm epidngfactity etals pipelinefaciitydetals Galms Exposure Utilization Report Exposure Code L SECTOR SECTOR S Facility Exposure Details Overall Exposure Vs Sanctioned Vs UDiiza EXPOSURE CCY OVERALL EXPOSURE LIMIT TOTAL SANCTIONED LIMIT xd x xi Recetas pis M Res 4 Seana TOTAL UTILIZATION AMOUNT In this report the following fields are populated ANa ORACLE Header Section Column Name Description Fa
120. ox LiabilityBranch 001 Liability Number 000000001 Source Restrictions Restricton Type Disallowed Aslowed Source Restrictions 1091 L3 Source Code Source description Exposure Restrictions Restriction Type Disallowed Allowed 10f1 tiza LJ Exposure Code Exposure Description Epos Customer restriction is mandatory for creating a facility customer number needs to be given in customer restriction section with allowed as restriction type That customer will be linked to the facility To restrict a facility to a particular branch you can select a branch in the Branch Restriction section and proceed to select Disallowed or Allowed in the Restriction Type under Branch Restrictions Similarly you can restrict a facility to a specific product source branch exposure and so on by selecting the respective product code source code and so on and then selecting the Disallowed or Allowed options under the respective restriction types 3 3 10 Facility Pool Linkage Any pool created for the liability of the creating facility can be linked to through this screen Pool Links Application Number CRPProcess3048 Application Category PIPELINE Facility Pool Linkage 1 Off La Pool Code A COLLAs Facility Number 0000005741 FacilityBraneh 000 Pool Currency Pool Amount cep 3 27 Facility Currency GBP Facility Amount ticis Facility Amount in Pool Currency 100
121. r Branch 000 Application Category CORPCAT CustomerNo 0900011417 CustomerType Corporate CustomerName ORACORP 2 Quantitative Analysis Qualitative Analysis Model Server Details Credit Agency Risk Details 1 Of z 7 Riskid Description Score a 7 RISK_TEL RISK_TEL 1 5 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 on the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed on the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Credit appraisal risk evaluation screen Step 6 Risk Evaluation After performing credit rating process the system will take you to the credit review and scoring stage The actual tasks will be available in the proposal structuring stage only when the following stages are completed successfully In case any one of the stages are not completed the task will
122. rd party content products and services Oracle Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents Me PROT ACG yiii tt be a ier traue taataan arasina tte bec uae alae iaeoa E aaia i 1 1 We UMMOMUGHON app ceciaded shies becdtesuetedeniendittatistdn eehensiddat Meduiece E EN AREE 1 1 V2 Auden CO int ncct eestor haa A edn cci eh ania T eased eteandhe Ar EE 1 1 1 3 Documentation Accessibility 0 00 eceeecreeeetceeeeeeeecneeeeeeeneeeeeeeaeeeeseetaeeeeseeaes 1 1 1 4 Acronyms and Abbreviations ccceceeeeeeeeeneeeeeeeeneeeeeeeaaeeeeeeeaaeeeeeeeiaeeeeeeeaas 1 1 ko QFOANIZ ALON a pasha des E N O E T A 1 1 16 Related Documents esc dette ti ii R Maeda inant 1 2 TE GlosSary o ICNS ea a r E recat Leta A ca eae 1 2 2 M intena NOOS e o oo oe eet 2 1 QWs OTU a aa r a a a TA 2 1 2 2 Uploading Modified Exel sieaa aa A ARA E REE 2 1 2 3 Viewing Modified Excel Details iici eee ceeceeeeeeeeeeeenneeeeeeenaeeeeeeenaeeeeeeenaeeeeseeaaes 2 2 2 4 Maintaining Benchmark RatiO 0 ccceeceecceeeeceeeeeeeeeneeeeeeeeaeeeeeeeeaeeeeeeenaeeeeeseaas 2 4 2 5 Viewing Benchmark Ratio Details 0 ccc ccceseeeeeeeeeneeeeeeeeneeeeeeeenaeeeeseenaeeeeeeeaas 2 5 2 6 Maintaining balance Sheet Size eee eeceeeeeeeeeeeeeeeeeeeeeeeeeeeeseeeeaeeeeteeaeeeeeeeeaees 2 6 2 7 Viewing Balance Sheet Size Details ee ce
123. riiratireii har i AE RE AEEA AA EEE EEE AREE Ri EAE EAA 3 28 3 3 12 Maintaining Document Details 0 0 ccccccceeeeceeee eee eeeeeeeeeteneaeeeeetenaaeeees 3 28 3 3 13 Linking Covenant for CUSLOIMED ccccceceeeteeeeenteeeeteeeeeeeeteeenaeeeeteeenatees 3 32 3 3 14 Collateral Tab rreirareiinierriiiiiiine iniii iiaiai A Er EAEEREN RE EEA 3 34 3 39 19 P ol Tap eniai ahi tend aae a a aaa OE E eeN L tied 3 38 3 3 16 Deal Information ccccceeccccseeseteseeedeteeenecce no i REEE AEE EEA iE A 3 40 33 17 Headroom ANALYSIS see an ana EE EARE E E deeennnagaes 3 42 33189 Deal NOP Matin eeror aR A nE AAA AORA 3 61 4 Credit Appraisal Management Closure Transfer Process aaas 4 1 AT TOJON nti aa AE A AOA ARER AE ttt stared eae ae 4 1 4 1 1 GlOSUIE PIOCOSS earnan eirean aE Eiai aR E EA FEV Ea ARERR EE E AE 4 1 424 2 Transter Processament ra ek eed ete eee eee 4 1 4 2 Stages in Closing Credit Appraisal Management 0 ccccceeeeeeeeeeeeeettteeeeeeenaaes 4 2 4 2 1 Process Flow DiaQra serei rior riata tenn eee TAE EE ALE aR i aa 4 3 422 Process Matrix o eeri a EA EE Ee 4 4 Covenant Tracking Process ssssssssnsnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn 5 1 S Introduction nesenie e EE ee AEE a aAA ae ated dante l 5 1 5 2 Stages in Covenant Tracking Process c ccccceeceeeeeeseeneeeeeeeeeeeeeeseeaaeeeeseenaaeees 5 1 5 2 1 Process FIOW DINANT seor ie ea AE R AOO 5 1 9 2 2 Process MATK AEE E a aa EA 5 2 5
124. rks Remarks Outcome M E Click Details in the Internal Blacklist Checks screen to invoke Customer Details screen Customer Details x Customer Type Corporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 lt YC Corporate Profile SDN Result NO MATCH Internal Blacklist Result NOT FOUND KYC Director Profile 10f1 E V Director Name SDN Result Internal Blacklist Check a 7 DAVID D NO MATCH NOT FOUND In this screen you can view the applicant s details If the applicants name is listed in the bank s internal list of global blacklisted customers you can report it to the internal authorities of the bank You can continue with the process of creating account only when the customer passes these checks Select the outcome as PASSED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Internal Blacklist Checks screen Click Exit button to exit the screen The task is then moved to the next activity 3 6 Verify Customer Contact Details Users belonging to the user role KYCEROLE KYC Executive can perform these activities a8 ORACLE Go to the pending list in the system The system displays all the pending activities
125. rtDate Grace Days E Collateral Type Minimum Available 5 a8 ORACLE While processing new applications you can capture the following details Commitment Details Commitment Product Specify the commitment product name Select the appropriate one from the option list Settlement A C Specify the settlement account Select the appropriate one from the option list Settlement Branch Specify the settlement branch Select the appropriate one from the option list PPC Project Id Specify the PPC project ID Select the appropriate one from the option list Project Reference Number Specify the project reference number Select the appropriate one from the option list Commitment Reference Number Specify the reference number that identifies the commitment User Data Elements Details Effective Date Specify the effective date of UDE User Defined Element Id Specify the UDE ID User Defined Element Value Specify the user defined element value Rate Code Specify the rate code Code Usage Specify the code usage i e Periodic or Automatic Charge Details Admin Charge Type Specify the admin charge type Admin charge can be one of the following types e Percentage e Fixed Admin Charge Specify the percentage of admin charge Admin Charge Amount Specify the admin charge amount Utilized Charge Type Specify the utilized charge type Utilized charge can be one of the following types e Percenta
126. ry Lima Liability ranch 001 Unadvised Secondary Pre ome spel 990 Uability Currency GBP Netting Required Overall Limit 100 000 00 Utilized Amount 224 168 93 Customer Details tory w Existing Customer Primary CustomerNo Default Customer Name Loca Branch Liability Number Balance Sheet Sze Detads T az 000000059 MACHINO 000 000000004 Documents Financial Analysis Liability Preference CustomerCovenant CreditAnatysis RiskAnatysis Deal In this screen you can view the complete information of credit appraisal risk evaluated of the applicant Credit Evaluation Click Financial Analysis button in the Credit appraisal review and scoring screen to invoke Credit Evaluation screen to view the quantitative analysis qualitative analysis and model server details Credit Evaluation Rule Id CREDIT_CP_RULE Grade Scale l Score Calculate Credit Rating 105 gt E E fal Category Question x Answer 4 BUSINESS_SEG_MARKE industry 5l fa J E BUSINESS_SEG_MARKE D Contracts in hand confirn gt az BUSINESS_SEG_MARKE No of large customers co gt faz I F BUSINESS_SEG_MARKE D Length of association with E BUSINESS_SEG_MARKE of turnover from large ct D 3 56 ORACLE 6 2 Credit Analysis You can capture the details required for credit analysis in the Credit Analysis sub system Click Credit Analysis button Thi
127. s button is enabled only during Credit Evaluation and Credit Scoring stages Credit Analysis Application Number P Application Branch CounterParty Description Counterparty Status be Country watch status be Counter Party Watch Status be Industry Analysis Management and Ownership Revenue Profitability Balancesheet AnalysiS Historical Current Historical Current performance performance Forecast Sensitivity Analysis Forecast Sensitivity Analysis Cashflow Analysis Debit Maturity Liquidity Historical Current Historical Current ae performance performance Forecast Sensitivity Analysis Forecast Sensitivity Analysis e z Specify the following details Application Number The system displays the application number Application Category The system displays the application category Counterparty Description Specify a short description about the counter party as per the credit analysers view Counterparty Status Specify the status of the counterparty You can select one of the following statuses e gold e platinum e silver Country Watch Status Specify the watch status of the country You can select one of the following watch statuses from the option list aar ORACLE e watch black e watch amber e watch red e yellow Counterparty Watch Status Specify the watch st
128. s maintained in the system Select the appropriate one Sheet Name Specify the uploaded sheet name The adjoining option list displays all the sheet names maintained in the system Select the appropriate one Financial cycle Specify the financial cycle for the financial statement The adjoining option list displays all the financial cycles maintained in the system Select the appropriate one Financial year Specify the financial year for the financial statement The adjoining option list displays all the financial years maintained in the system Select the appropriate one Work Sheet Name Specify the worksheet name for the financial statement The adjoining option list displays all the work sheet names maintained in the system Select the appropriate one Parameter Specify the financial element name Value Specify the value for the financial element From Date Specify the From date for the financial cycle To Date Specify the To date for the financial cycle Currency Specify the currency for the financial element Viewing Modified Excel Details You can view the modified excel details using Excel Upload Modify Screen Summary screen To invoke this screen type ORSEXLMD in the field at the top right corner of the Application tool bar and click the adjoining arrow button ee ORACLE Excel Upload Modify Screen Summary amp search Ct Advanced Search D Reset 4 Clear All Case Sensitive Authorization St
129. sful functioning of a credit appraisal management origina tion process Credit Appraisal Management Origination explains the workflow of a pro Chapter 3 cess and procedure to define and maintain the prospective corporate cus tomer details 1 1 ORACLE 1 6 1 7 Chapter 4 Credit Appraisal Management Closure Transfer explains the workflow of a process and procedure to close transfer facility Chapter 5 Credit Appraisal Management Covenant explains the workflow of a cove nant process received from a client or customer Chapter 5 Credit Appraisal Management Covenant poller explains the workflow of a covenant poller process received from a client or customer Chapter 7 Reports lists the possible reports that can be generated for the module Chapter 8 Function ID Glossary has alphabetical listing of Function Screen ID s used in the module with page references for quick navigation Related Documents e The Procedures User Manual e Dashboards and Alerts User Manual e The Enterprise Limits and Collateral Management User Manual e The Products User Manual Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function x Exit rx Add row Ea Delete row ail Option List 1 2 ORACLE 2 1 2 2 2 Maintenances Introduction As part of general maintenance required for the
130. ssigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the check box against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The system displays the system message as xxx Acquire Successful on successful acquisition of the task Task will move to Receive Covenants stage when the user has selected Additional Info as the outcome and save the task a ORACLE 6 Credit Appraisal Management Covenant Poller Process 6 1 Introduction The bank financial organization receive a credit proposal application from client customer for covenant poller process A batch program OREOD will be used to collect the covenants which are due on today or revision date as today The system automatically initiate a task in EODPoller process and passed the covenant details Process code Initiation Ref No as part of the Poller process input The DB adaptor will be called to construct the Covenant process Payload for that specific covenant 6 2 Stages in Covenant Poller Credit Appraisal Manage ment The different stages in covenant credit appraisal management process flow are designed using Oracle BPEL Business Process Execution Language and BPMN Business Process Model and Notation framework with multiple human tasks for workflow stages 6 2 1 Process Flow Diagram The pr
131. stage system would check for collateral creation process flow completion and displays necessary message to the reviewer If Override Collateral Task Completion flag is checked this validation will be skipped by the system and limit origination process flow can proceed to next task Details Click Details button to invoke Collateral Maintenance screen This screen displays the details of the collateral However you cannot modify these details Collaterals Maintenance H save Collateral Details Branch Liability Number Lendable Margin Customer No Seniority Of Claims Collateral Code Charge Type Collateral Description User Reference Remarks Collateral Currency GBP Collateral Value Limit Contribution Sisti m y Available End Date m F Sharing Required Secured Type Secured UnSecured Liquid Revision Date iz Auto Pool Creation Revaluation Date PA F Revaluate Collateral Haircut Collateral Type Category Name Util Amount Available Amount Block Amount Commitment Reference Number Collateral ZIP Code E Mortgage Initiate Interest Rate Taken Over 4 m Insurance Covenant Shared Link Contract Source Restrictions Fields Haircut Schedule Specific Details Maker Date Time Checker Date Time Mod No Record Status Authorization Stat
132. t a date prior to the application date Internal Remarks Specify the internal remarks as limits terms and conditions Revolving Line Select this check box to indicate that the credit line is Revolving A revolving credit line indicates that a repayment of the utilized credit should reinstate the credit limit of the customer You can modify the preference as required Netting Required This check box will be unchecked by default indicating that netting is not required for the facility You can check this box to enable netting for the facility UnAdvised Check this box to indicate that the facility is unadvised Fund Indicate whether the line is fund based or non fund based Shadow Limit Select this check box to indicate that utilization amounts should be updated only for the facility and mainlines for the facility Thus when a utilization request is processed the system updates the utilization amount only at the facility level and leaves the utilization amount at the liability level untouched Bulk Payment Required Check this box to indicate if bulk payment is required If you specify here that bulk payment is required for the liner then the same is maintained at the Bulk Payments screen For more information about the Bulk Payments screen please refer to the section Making Bulk Payments against loan or commitment under the Chapter Operations of the Retail Lending user manual 20 ORACLE
133. t generation The adjoining option list displays all the years maintained in the system Select the appropriate one Quarter Specify the quarter which is taken for the report generation from the drop down list and the available options are e Quarter1 e Quarter2 e Quarter3 e Quarter4 e All Compare With Select the option with which report can be compared from the drop down list and the available options are e Previous Quarter e Next Quarter e Last Year Quarter e Previous Year e Last 2 years e Last 3 Years Report Generation Type Select the type report generation from the drop down list and the available options are e Data Type e Graph Type Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are ice ORACLE 7 3 e Print e View e Spool Printer At Specify the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Generating Benchmark Reports You can compare the financial ratios with predefined benchmark ratios using Benchmark Report Screen screen The system will allow you to select the customer number financial year and the type of the comparison like comp
134. t revision date whenever you click Calculate button However you can modify the same SA ORACLE 1 1 1 2 Viewing Customer Conversation You can view the conversations which have been recorded with the customer for receiving the covenants through Customer Conversation screen To invoke this screen click Cust Interaction button in Receive Covenant Details screen Customer Conversation Le Reference Number Customer No 10f1 E Conversation Id Conversation Date Conversation Time Status Subject Description You can view the following details e Conversation Id e Conversation Date e Conversation Time e Status e Subject Description Viewing Conversation Information You can view the conversation information for the selected conversation id through Conversation Input screen To invoke this screen click View button in the Customer Conversation screen Ccoversatos Input Conversaton ID Converaston Status Close Last Changed On Customer ID 900000034 b Customer Name 900000034 Pronty Low Depanmert ACC a Omer Department o Target Closure Date D Usero Useri AssignedTo CAAIAINTAN os Coewersaton Mode NA ie Conwersation Category Custinteracton Verwe Branch i Conversaton Date 2013 04 29 f Convers ston Time Senior Management INA e Other Offices invotved Qa invotved Sumect for document ugtoad Octat yes s a
135. tage the system will automatically initiate the generation of closure advice It is an auto stage the system will invoke the service without any Human intervention and continue the process to next stage Step 6 DB Hand off In this stage the system will automatically invoke the DB adaptor call to hand off the Facility closure details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage Step 7 Hand off Retry The system will invoke the DB adaptor call to hand off the Facility closure details to ELCM For any exceptions like unavailability of ELCM services or error while handoff the details task will be moved to Hand off retry stage The retry counter will be incremented accordingly For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Liability details to ELCM You can invoke Facility Closure Manual Retry screen by typing ORDLPCRT in the field at te top right corner of the Application tool bar and clicking the adjoining arrow button Facility Closure Manual Retry H Save lt i Hold Application Number al Channel Application Branch 000 Channel Reference No Application Priority Low Application Date 2013 01 28 External Source User Reference Number 000ELCL1302800UxX Application Category External Source Ref No el Application Status
136. taining Benchmark Ratio You can maintain the benchmark details for criteria like category industry and balance sheet size through Ratio Benchmark maintenance screen The maintained benchmark values will be used to generate report for the customer financial status against the bank benchmark details You can invoke this screen by typing ORDRATBM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ratio Benchmark Maintenance Ratio Group Industry Balance Sheet Size Period Type 1 Of 1 Ratio Element Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can enter the following details Category Specify the benchmark category The adjoining option list displays all the categories maintained in the system Select the appropriate one Ratio group Specify the ratio group Industry Specify the industry name for which benchmark is defined Balance sheet size Specify the balance sheet size Period Type Specify the period for upload QQ YY at ORACLE 2 5 Ratio Element Specify the ratio element Value Specify the ratio value Minimum Value Specify the minimum ratio value Maximum Value Specify the maximum ratio value Viewing Benchmark Ratio Details You can view the benchmark ratio details using Ratio Benchmark Summary screen To invoke this screen type O
137. ted cash flow amount Projected Revenue Year Specify the projected revenue Projected Revenue Currency Specify the revenue currency Projected Revenue Amount Specify the revenue amount Deal Advice The system generates a deal advice The deal advice gives information on the deal like projected revenues and projected cash flows with respect to the application a ORACLE 3 3 17 Headroom Analysis In the Requested Tab of the screen you can click the Analyze button to perform an exposure analysis for a facility This button will be available in the following stages e Review and Scoring e Risk Evaluation e Proposal e Structuring e Recommendation and Review e Approval Select a facility and click the Analyze button which will generate the Exposure Analysis report Exposure Analysis S Exposure Analysis i Exposure INDIAMINE us W HeadRoominHOCurrency E SimulatedHeadroominHOCurrency m AGNLSTEEL GBP INDIAMINE US Facilities Linked with Exposure ExposureCode AGNI_STEEL x ExposureCode AGNI_STEEL Liability Number Line Code Line Serial Effective Line Line Block Amount Utilisation Amount Number of Days to Amount Currency Expire x x y LIAPUS001 000002572 LINE2573 LINE2572 In this report you can view a table and a bar chart that contains the details of the exposures You can also view the facilities linked to ea
138. ter Select the quarter which is taken for the report generation from the drop down list and the available options are e Quarter1 e Quarter2 e Quarter3 e Quarter4 Sheet Volume Specify the sheet volume of the report The adjoining option list displays all the sheet volumes maintained in the system Select the appropriate one Compare With Select the option with which report can be compared from the drop down list and the available options are e Previous Year e Last 2 Years e Last 3 Years Report Generation Type Select the type report generation from the drop down list and the available options are e Data Type e Graph Type Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e View as ORACLE 7 4 e Print e Spool Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Generating Pipeline Analysis Report The application provides a facility to generate analytical reports based on comparison of the qualitative factors quantitative factors and risk factors on the pipeline facilities of prospective customers Based on these pre defined a
139. thorization Status Record Status Balance Sheet Size Record Status Description Currency From Amount To Amount You can click Search button to view all the pending functions However you can to filter your search based on any of the following criteria Authorization Status Select the authorization status of the contract from the drop down list Balance Sheet Size Select the balance sheet size from the option list Record Status Select the record status from the drop down list When you click Search button the records matching the specified search criteria are displayed For each record fetched by the system based on your query criteria the following details are displayed Authorization Status Record Status Balance Sheet Size Description Currency From Amount To Amount 2 7 ORACLE 2 8 Maintaining Document Upload You can upload the workflow supportive documents using Document Upload Maintenance screen You can invoke this screen by typing ORDEXLUP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ean Upload Maintenance H Save 4i Hold Customer No az Upload Reference Number 000D0CS13028002Z Customer Name Document Category az Document Upload 10f1 l T Document Category Document Reference Document Type Remarks Ratio Up 7 al P P A Dat
140. ticipated IRR Debt Gestation a Projected Operation Date E lonths z i Collateralized Debt Deal Currency GBP a Non Collateralized Debt F Deal Amount Projected Cashflows Projected Revenues 10F1 HHE 10f1 HEE C Year Currency Amount C Year Currency Amount Specify the following details Deal Description Specify a brief description of the deal Comments Specify additional comments if any Project Start Date Specify the project start date ORACLE Project End Date Specify the project end date Gestation Period in months Specify the gestation period in months Deal Currency Specify the deal currency You can select the appropriate one from the option list Deal Amount Specify the total deal amount Anticipated IRR Specify the anticipated internal rate of return Projected Operation Date Specify the projected operation date Capital Outlay Specify the capital outlay Organization Share Specify the overall equity held by the organization From Public Specify the equity held by the public From Equity Partners Specify the equity held by partners Collateralized Debt Specify the total collateralized debt Non collateralized Debt Specify the total non collateralized debt Projected Cash flow Year Specify the projected cash flow year Projected Cash flow Currency Specify the cash flow currency Projected Cash flow Amount Specify the projec
141. ty details to ELCM After successful hand off closure advice will be sent to customer Transfer Process Bank Customer initiates the transfer of unutilized facility to another facility of the same liability since the facility is not properly utilized over a specified period or failure to submit the requested document even after the grace days from the due date The bank financial organization receive a facility transfer application from customer for transferring the existing facility 4 ORACLE 4 2 The facility transfer request application consists of customer details financial information facility details facility which needs to be transferred and the facility details to which the utilized amount to be transferred The requested application will be enriched with underlying collaterals collateral pools and sent the package for internal review external review For facility transfer the underlying collateral pool collateral will not be closed It will be attached to the same facility The reviewer can send back the proposal application for capturing the additional essential information to the initiator who has prepared the proposal The finalized reviewed application will be sent along with review writing to senior management Approving authority for final approval For any technical issue like service unavailability data issues manual re try option will be provided for re uploading of Facility details to ELCM
142. us You can enter the following details Application Number The system displays the application number arap ORACLE Liability Number The system displays liability number Collateral Code The system displays the collateral code Collateral Description Specify the description about collateral Collateral Branch The system displays the collateral branch Collateral Currency The system display the collateral currency Remarks Specify the remarks if any about collateral Start Date Specify the start date of the collateral effective period End Date Specify the end date of collateral effective period Revision Date Specify the date on or before which you want to revise the details specified for the collateral code Revaluation Date Specify the date on or before which you want to revalue the details specified for the collateral Revaluate Collateral Check this box to indicate that you wish to revalue the collateral as per revaluation criteria specified Grace Days Specify the grace days associated with the collateral Collateral Category Specify the collateral category The adjoining option list displays all the collateral categories maintained in the system Select the appropriate one Haircut Specify the percentage of hair cut for the collateral The adjoining option list displays all the hair cut percentages maintained in the system Select the appropriate one Rate Specify the rate of collateral
143. utilization Netting Contribution Specify the netting contribution Availability Available If the Line facility is available then this check box will be checked The Oracle FLEXCUBE ELCM system tracks the status of both the Contract and the Facility When the status of the Contract changes to PDO then the Facility will become unavailable The product processor will give an ASCII file including all the facilities which need to be frozen Oracle FLEXCUBE ELCM will initiate an amendment event and then un checks the Available check box sal ORACLE 3 3 8 1 Start Date Specify the start date for the facility Expiry Date Specify the expiry date for the facility If the limit amount assigned to the facility is not utilized within the specified expiry date then the Available check box will remain un selected This freezes the line for the respective liability Last New Utilization Date The system updates the Last New Utilization Date for the respective facility record as and when the transaction is processed You are not allowed to amend it Available Date Enter the available date The date can be selected from the adjoining calender Schedule Process Date Specify the schedule process date Generating Facility Liability Utilization Report Click on Utilization button in the Credit Appraisal Application Entry screen in Requested Tab to invoke Facility or Liability Utilization Report screen
144. venant for Customer You can link customer covenant details through the Customer Covenant screen Click Customer Covenant button from Credit Appraisal Application Entry screen to invoke this screen Nd Customer Covenant Application Number CRPProcessi6159 Customer Number 00013392 10f1 E Covenant Id Covenant Name Revaluation Date Mandatory Period Grace 7 37001 az El O You can enter the following details Application Number The system will display the application number Customer Number The system will display the customer number Covenant Id The system will display the covenant Id Covenant Name Specify the covenant name The adjoining option list displays all the covenant names maintained in the system Select the appropriate one Revaluation Date Specify the date on which the covenant needs to be reviewed Mandatory Check this box to indicate whether covenant defined is mandatory as part of the process or not You may change this preference when this convent is linked to a Collateral Facility Period Specify the period for which customer covenant is to be done Grace Days Specify the grace days past the next due revision date allowed for renewal of the covenant Notice Days Specify the number of days in the notice period The notice period will start these many days prior to the revision date of the covenant Frequency Select a frequ
145. x oe ORACLE 3 2 Click Details in the Verify Prospect or Customer Details screen to invoke Customer Details screen h Customer Details Customer Type Corporate Full Name CustomerNo 10310063 Individual CustomerName Carrefour Customer Category CORPORATE Bank Local Branch 103 Application Number CRPProcess7240 Main Director PEA KYC Director Profile 1 0f1 Director Name DAVID You can view the customer details in this screen If the customer information is complete then select the outcome as PROCEED and save the record by clicking the save icon in the tool bar The system displays the message The task is completed successfully Click Ok button You will be taken back to the Verify Prospect or Customer Details screen Click Exit button to exit the screen The task is then moved to the next activity Ascertain if KYC Checks are Required Users belonging to the user role KYCMROLE KYC Manager can perform these activities In case of an existing customer the bank checks if there are any changes to the existing KYC information already available with the bank The KYC check for an existing customer is performed only if there are changes in the customer information including details of nominee and mandate holder In all other cases of new and existing customers KYC checks are mandatory ES ORACLE 7y Ascertain KYC Check
146. y the liability branch Whenever you select liability No Report for Select one of the following options for which report is to be generated e Liability Branch e Facility Hierarchical Report Format Select the format of the report from the drop down list and the available options are e PDF e HTML e Excel e RTF Report Output Select the output of the report from the drop down list and the available options are e Print e View e Spool a ORACLE 3 3 7 Printer At Select the printer at from the drop down list and the available options are e Client e Server Printer Specify the printer name The adjoining option list displays all the printers maintained in the system Select the appropriate one Requested Tab You can capture the following customer requested credit proposal details Manual Credit Appraisal ee EA save Hoia Application Number CRPProcess3395 Channet Application Level 1 Application Branch 000 Channel Reference No Application Priority Low Application Date 2015 04 16 External Source User Reference Number O0O0ELCM151060 Application Category CAMAPP External Source Ref No Application Status Save Customer KYC Required Approval Status ACCEPTED Operation New gt te LS Credit Rating Required Customer Liability 000000792 KR Customer Details Collateral Pool Pricing Terms Exception Remarks Request Credit Proposal Details Requested Purpose 5 Limit Currency GBP aF Total Requested Amount 25
147. ype Corporate Full Name Individual CustomerName 000000792 Bank Local Branch 000 Application Number CRPProcess3395 Director Details Permanent Address Director Name Tax id Telephone ISD Code Telephone Mobile ISD Code Mobile Number Email Mailing Address Address Line 1 Address Line 2 Address Line 3 Address Line 4 Pincode Country Address Line 1 Address Line 2 Address Line 3 Address Line 4 Pincode Country Other Details Nationality Shareholding Permanent US Resident Status Director Details Director Name Specify the name of the director of the corporate customer tl ORACLE 3 3 6 Tax Id Specify the tax identification of the director Telephone ISD Code Specify the international dialling code for the telephone number of the director The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Telephone Specify the telephone number of the director Mobile ISD Code Specify the international dialling code for the mobile number of the director The adjoining option list displays valid ISD codes maintained in the system Select the appropriate one Mobile Number Specify the mobile number of the director Email Specify the e mail ID of the director Mailing Address Address 1 to 4 Specify the mailing address of the customer in Line 1 to Line 4 provided Country Specify the country associated with the address specified
148. ystem displays the application number Application Category The system will display the application category a8 ORACLE Document Category Specify the category of the document to be uploaded The adjoining option list displays all the document categories maintained in the system Select the appropriate one Document Reference Specify the document reference number Document Type Select the type of document The adjoining option list displays all the document types maintained in the system Select the appropriate one Mandatory Check this box to indicate whether the document is mandatory Compute Check this box to indicate whether the document to be computed Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below b Upload Document Path In the Document Upload sub screen specify the corresponding document path and click the Submit button Once the document is uploaded through the upload button the system displays the document reference number View Click View to view the document uploaded oe ORACLE Edit Using the Edit button you can edit the document details When you click Edit button the system invokes a screen that displays the document and the properties Eemsbaboabcse f amp Q08088 K bk9 All update ka Document 2 IPM_009419 1D Original SamplePassport PNG File

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