Corporate Credit Facility Creation Version-10.3 9NT894
Contents
1. If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view all the customer information loaded into the system in the Check for collateral screen Check the customer details if collaterals needs to be acquired prior to the creation of limit 2 Check For Collateral Web Page Dialog Customer No 7000007 Liability Number 7000007 Short Name WF Ful Name Branch Code MI Main Auer Corporate Custom Address For Correspondence Unique Identifier Status Name Address WF3 ADO y CRM Customer Geographic Mailers Required Ke Si CLS Participant issuer Customer Treasury Customer Exposure Category FX nett Customer 7000007 MIS Standing Instructions Linked Entities Text image Group Limits CLSRestrictions Fields Issuer In case you need to add collateral select ADDCOLLATERAL from the dropdown In case the collateral is not required select PROCEED from the dropdown Click the save icon to save the record and move to next stage Sub Process Collateral Acquisition Corporate collateral acquisition sub process involves functionalities that are essential for collateral maintenance and collateral pool maintenance Bank initiates corporate collateral acquisition for a customer as part of any other parent processes which has collected all the relevant customer information from the system The process starts with collecting collateral documents essential for collateral maintenance and2. Statement Limits Joint Holders Interest Charge Standing instructions Linked Entities MIS Account Signatory Account Number Enter the account number of the customer in the format allowed Account Currency Select the account currency from the option list provided Account Class Select the account class from the option list provided Select PROCEED from the dropdown after creating the current account to proceed Click the save icon to save the record and the following screen gets displayed ORACLE The screen appears as shown below Information Web Page Dialog E MESSAGE REFERENCE o The Task was successfully Acquired cloo2 Step 2 Check Initial Deposit Required Users belong to the user role Corporate Operations Executive and Manager can check if an initial amount deposit is required for the Current account as per the bank policy in the check if Initial Deposit Required screen hatractoss Account Staue fevtriten Curr Lts Sarmat eet fete eet Change Seeing tias Ladedintties MED feh Armoa opges Select REQUIRED from the dropdown if the initial deposit is required for the account and the process moves to next Select NOT REQUIRED if the initial deposit is not required for this account and the process moves to next stage 1 20 ORACLE Step 3 Check Available Balance Users belong to the user role Corporate Operations Executive and Manager can check the available balance for the account to process furthe
3. current account available and Click the save icon to save the record and move to next stage Select NOTEXISTS from the dropdown if the current account is not available 1 2 13 Current Account Creation Current account creation sub process will create a current account for the customer based on the details provided Bank initiates the process of current account opening for an existing customer as part of any other parent processes It is the responsibility of this sub process to capture all relevant information and create the account The activities carried out includes capturing the details of the account opening form creation of current accounts for the existing corporate customers dispatch of customer kits ORACLE Step 1 Capture Current Account details Users belong to the user role Corporate Operations Executive and Manager can enter the details required for the creation of current account in the Input current account details screen Oracle FLEXCUBE creates a current account for the customer with the information provided 3 Input current account details Web Page Dialog Branch CHO 151001 Account Class ACTEST Account Number 100046 P issuer Account Currency USD 00 Facity Required Map Auxiliary O Single O Jort Y Track Receivable Account Open Dele 7772000 E Referral Required Alternate Account Documerks Number 100046 Account Address Location Meda az Instructions Account Status Restriction Currency Limits
4. from the dropdown and the Upload Document screen is displayed for you to upload missing documents 1 8 ORACLE 1 2 3 1 2 4 Existing Customer Check If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view the list of customers that matched with the information that is captured through the Check for Existing customer screen and decide if he is an existing customer 2 Check For Existing Customer Web Page Dialog CustornerQueryResut O Customer No Liabilty Number Klamm 151001 Remarks BISA ES EI Here the list of customers with the similar details gets displayed Select the respective customer and click the Details button to check the details of the customer In case of an existing customer select the EXISTING from the dropdown and the process moves to the next stage In case of a non existing customer select NONEXISTING from the dropdown and the process invokes corporate customer creation process for the creation of customer Click the save icon The process moves to the next stage Create Corporate Customer If you have the CCOEROLE Corporate Credit Operations Executive rights you can create corporate customer as there are no existing customers that matches the details 1 9 ORACLE The screen appears as shown below EE El Main Customer No cal Liability Number Short Name Re Full Name Branch Code CHO bal Main Auxiliary Corporat
5. renewal of credit facility Select APPROVE from the dropdown if the renewal facility is sanctioned and click the save icon The process moves to the next stage Select REJECT from the dropdown if the renewal facility is rejected and process ends here 1 2 10 Collateral Required Check Refer Collateral Required Check explained in Corporate Limits Chapter to know more about it 1 2 11 Sub Process Collateral Acquisition Refer Collateral Acquisition explained in Corporate Limits Chapter to know more about it 1 2 12 Modify Existing Limits If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view all the customer information about updated limits facility in the Modify the Limits screen 1 11 ORACLE The screen appears as shown below ki Modify The Limits Webpage Dialog Lebay 111113 Lend Amount Line Code Le FLOOD Coiste ai Amount Transier Amount Sere No Eftectwe Lira Amouct Line Currency MA si Uncodsteraizes Fonds Line Mar Line Code Reporra Amount Ett Une Amount Dana reerest Caicuation Account Unhizadon Avedstie Ancu Date Of First OO Oste Of Last O0 riemnal hermana Tee You can proceed with the modification of existing limits for the customer Select PROCEED from the dropdown and click the save icon The process moves to the next stage 1 2 13 Store Document Reference Refer Store Document Reference explained in Corporat
6. the customer in the Create Line Code screen 3 Create Line Code Web Page Dialog Line Code LINEWFWF2 Description vi Ett Line Amount Basis Limt Amount Collateral Contribution C intrest Requ Currency Restriction C Revolving Line O Branch Code Branch Name 2 O Product Code Product Description Here you need to enter the following mandatory details Line Code Enter the limit line code you wish to maintain for the corporate customer ORACLE 1 2 7 1 Capturing Tenor Details Tenor Enter the tenor details 1 2 7 2 Capturing Branch Details Branch Code Enter the branch code of the branch where this customer is allowed for credit 1 2 7 3 Capturing Products Details Product Code Enter the product code of the product which this customer is allowed for transaction After the successful creation of line of code select PROCEED from the dropdown Click the save icon to save the record and the following screen gets displayed Information Web Page Dialog MESSAGE REFERENCE E Record Successfully Saved and Authorized ST SAWE 002 1 2 8 Input and Create Limit If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can capture the information regarding creation of limit in the Create Limits screen ORACLE The screen appears as shown below Create Limits Web Page Dialog Amounts Liabilty Mr 2 Lg Amount Collateral Amount Uncolateralized Fu
7. verifying them After authenticity check the process proceeds for maintenance of collaterals and collateral pools as much as you want ORACLE Step 14 Document upload Refer Document Upload stage explained above Step 15 Document verification Refer Document Verification stage explained above Step 16 Collateral Maintenance If you have the requisite access rights as Collateral evaluation executive you can maintain the details of collateral in the Add Collateral screen 3 Add Collateral Web Page Dialog Liability ki 151001 C Market Value Based Collateral Code COLWE1 Collateral Currency USD Market Value Based Collater al Details Collateral Value Securty Code Type BOND Number of Units Nominal Value Offset Margin Cap Amourt Lendable Margin Price Code Lim Contribution Last Reval Price You can add the following details here Liability Id Select the liability id of the collateral you are maintaining Collateral Code Enter the collateral code for the collateral you are maintaining ORACLE 1 2 6 1 Maintaining Issuer and Exposure Details of collateral Issuer Id Enter the issuer id of the collateral If you are done with adding the collateral details select PROCEED from the dropdown and the process moves to collateral pool maintenance If you want to add other collateral details select ADD MORE from the dropdown to add further collaterals Click the save icon to save the record an
8. 1 3 ORACLE The screen appears as shown below D Select Credit Facilities Webpage Dialog O wg K5 Le Code Currency Revolving Line O 1111154 LNEPLIO O itina UNER AS R N O imm mum LEPO 904 1734 N 3 Close Credit Facitity Webpage Dialog Ltr Hr 1111136 Lint mort Une Code PEPLOD Colsters Amort Serai Wo 3 Uncotatersined Funds Line Reporting Amount Men Line Code Trarater Amourt Line Currency MA Ettectve Line Amount Currency Restricton Revowving Line tr Lee Amourt Bese terest Requred rterest Caicuaten Account Avadstuety Uri zation Start Dale 7 22000 Aralatle Amourt Cxpry Date 12 3 2000 Date Of first OO Last Aralable Oste 712000 Avelebe Dane Of Last OD INO La Tenors Linvts Resirctoms Linit Sctech eg Colstersi Pool Linkage Piet s Start Date 2000 07 03 Exprry Date 2000 97 03 2000 12 03 6 000 00 6 000 00 Unadesed 43 659 000 00 1132000 72000 You can select one or more credit facilities and view the details and close the credit facility 1 4 ORACLE Select PROCEED from the dropdown if you selected the credit facilities to close and click the save icon The process moves to the next stage 1 5 ORACLE ORACLE Corporate Credit Facility Closure April 2009 Version 10 3 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www o
9. Available Date EPLO Currency Restriction Revolving Line Lint Amount Collateral Amourt Uncolsteralized Funds Line Reporting Amount Trenster Amourt Effective Line Amourt interest Calculation Account Utilization Avotable Amount Date Of First OD Date Of Last 0D Select REJECT from the dropdown if the limits renewal facility is rejected and the process moves to the next stage Select APROVE from the dropdown if the limits renewal facility is approved Click the save icon the process moves to the next stage Retrieve Customer Details and Check for KYC Changes If you have the requisite access rights CCOEROLE you can retrieve the customer details whose limit facility is being renewed and check for any major changes in KYC information in the Check for changes in KYC screen Check for any major changes in KYC for the requirement of a detailed KYC check or to continue to the next stage 1 4 ORACLE The screen appears as shown below 3 Check for changes in KYC Web Page Dialog ustomer No 151001 z Pin Short Haer P issuer Ful Ni P issuer Branch Code CH Man Aup ex Corporate Custom Address For Correspondence Unique Identifier Name P issuer Name Address Mate nda Value O CRM Customer Geographic _ Malers Required Country IND Z DCLS Porticipart Nabonalt y IND C issuer Customer Language ENG O Treasury Customer Exposure MIS Standing Instructions Linked Entities Text Image Group Limit
10. Black List Check gt Check the customer against black listed customer lists 6 5 Customer Identity Verification gt Verify Customer identity and decide based on customer information 6 6 Other KYC Checks Step 7 Update changes KYC information e Modify customer operation of customer web service Step 8 Correct and update KYC information e Bank can correct business errors and Update backend information Step 9 Sanction decision for renewal facility e Decide sanctioning of limit facility renewal Step 10 Check for Collaterals Required e Check customer details if collateral are to be acquired Step 11 Sub process Collateral acquisition e create collaterals and collateral pools Step 12 Modify Existing Limits e System displays all information about updated limits facility Step 13 Store document reference e Document reference needs to be stored e Invoke the document web service to store the reference Step 14 Retry storing of document reference e f web service call fails retry storing of document references 1 2 1 Document Upload Refer Document Upload explained in the Creating Limits Chapter 1 2 ORACLE 1 2 2 Document Verification Refer Document Upload explained in the Creating Limits Chapter 1 2 3 Input Limits Renewal Details If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view the information regarding the renewal of limit facility i
11. Corporate Credit Facility Creation Version 10 3 INT894 ORACLE FCUBSV UM 10 3 0 0 0 0 0 April 2009 Oracle Part Number E51575 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG Created on October 01 2008 Revision No Final Updated by Documentation Reviewed by Approved by Software Quality Team Development Testing teams Assurance Team Updated on April 17 2009 Reviewed on April 17 2009 Approved on April 17 2009 ORACLE Corporate Credit Facility Creation Table of Contents 1 CREATING LIMITS FOR CORPORATE CUSTOMER jiuuu 2 cccccccccccccscccccccccccccsccccccccccccccsccceccccececcscces 1 1 1 1 INTRODUCTION cnica iii 1 1 1 2 STAGES IN CREATION OF LIMITS FOR CORPORATE CUSTOMER 1 1 Step 1 Document wumlogd Step 2 Document vertffeotion rett Step 3 Existing customer CHECK niiididir ticas Step 4 Create Corporate Customer c ccccccscesssccsseseeecsseseeeseeseeeesesesecseseeseeaesecaeecesecaeecesecaeeaeaecaeeaeeeeaeeaeaeees Step 5 Collaterals Required check Step 6 Sub process Collateral acquisition cccccscessesessesseseeseseesesecseusesecscucesecseeseseeseecesecaeeseseeaeaeeeeeaeeeens 6 1 Document e 6 2 Document verification oonnnnonnnioninninnconconcnonancnanannno 6 3 Collateral Maintenance 6 4 Collat ral Pool Maintenance miii diia ca lavauedavostucsbaaatvadsaastiesses 6 5 Store documentreferenco nda noni A 6 6 Retry storms of do
12. Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated Corporate Credit Facility Closure Version 10 3 9NT894 ORACLE FCUBSV UM 10 3 0 0 0 0 0 April 2009 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG Created on October 01 2008 Revision No Final Updated by Documentation Reviewed by Approved by Software Quality Team Development Testing teams Assurance Team Updated on April17 2009 Reviewed on April17 2009 Approved on April17 2009 ORACLE Corporate Credit Facility Closure Table of Contents 1 CLOSING CREDIT FACILITIES scsccssscssccsssssescssscscsssonsessescnnssecscovssexascsesssoscssscacdtssecesesossssenssestenscsesssessaesess 1 1 1 1 INTRODUCTION ad 1 1 1 2 STAGES INVOLVED IN CLOSING CREDIT FACILITIES ssssseseesssseseseestseeserteeerersereretrrsseserernessesenereesessereeees 1 1 Step 1 Input Retrieve Customer Detoatls 1 1 Step 2 Signature Meriffcoatton 1 1 Step 3 Select Credit Facilities iii tira titeres 1 1 1 2 1 Retrieve Customer Details m scccacccscaestccsioe sadsesoatatenelieacsesoavateesicyaedesbadalsesbieatdeboavatsesicsnddessioaeeteetvucsesesds 1 1 1 2 2 Signature Veril EE 1 2 1 2 3 Select Credit Fociltties a a aaa a a aa aE a a aA a aE a aa AAA AE A Ea E E E EEES 1 3 ORACLE 1 Closing Credit Fac
13. Users belonging to the user role Corporate Relationship Manager can enter the customer information number to retrieve the details of the customer You can view all the relevant information in the Customer Details screen 1 1 ORACLE The screen appears as shown below Z Customer Details Webpage Dialog Customer No 1111136 Short Name IPL Branch Code CHO Le D en Corporate Custom Address For Correspondence Name cricket Address stadium mumbai Swift Code Fax Group Code Charge Group Clearing Group Tax Group Liability Number 1111136 Full Name Unique Identifier Name IPL Value Geographic Country IND Nationality IND Language ENG Exposure IND Location Xref SUX000586 Customer Category Corporate Customer Classification Exposure Category FX nett Customer 1111136 CUSTOMER_INITIATED CUSTOMER_INITIATED BANK_INITIATED CRM Customer Mailers Required CLS Participant Issuer Customer Treasury Customer laz Here you need to enter the following details Customer Number Select the customer number for whom you wish to close the credit facility limit Select BANK_INITIATED if the closure is initiated from the bank and the process moves to the stage where it retrieves all credit facilities provided to the customer Select CUSTOMER_INITIATED if the closure is initiated by the customer and the process moves to next stage 1 2 2 Signature Verification If
14. anager you can verify the documents received from the customer through the Verify the documents screen Click Assigned under the Tasks Menu to view the transactions that you have acquired The following screen gets displayed EH Search User E Standard View Branch Module Work Id Work Title See a l t grees Reference Product Assigned Date GE Number C Pending 2 E Wed Aug 13 O Assigned CHO OpenCurrentAccount270005 VerifyDocuments 15 06 14 Release E ExpireacO GMT 05 30 2008 E Completed 172 Custom View Select the desired transaction and double click on it The following screen will be displayed 1 7 ORACLE The screen appears as shown below A Verify The Documents Web Page Dialog Customer Name P Issuer Sur Name P Issuer Full Name Address Mumbai India Documents Remarks You can view the following details e Customer Name e Short Name e Address Remarks Enter remarks if any 1 2 2 1 Verifying Document Upload Details Click the Documents button to view the document upload details Here you can view the following details e Document Code e Document Path View You can view the uploaded document by clicking view Verified Here you can specify whether the document is verified In the main screen you can select the outcome of this stage Select PROCEED from the dropdown in the AUDIT block and click the save icon The process moves to the next stage Select the DOCMISSING
15. cument TeferenCE vaina ia iii iii Step 7 Input and Create Line Code Step 8 Input and Create Lime Step 9 Store document reference eceeccsceccscssesscseeseeecseesesecsesesecseesesecsessesecseesesecseceseeseeaeseseeaeseeeeeaeeeeeeeaees Step 10 Retry storing of document relerenece Step 11 Current Account required check Step 12 Existing account checkat heli astisininte ios Step 73 Sub process Create Current Account 13 1 Capture Current Account details iii ninio risa decis ceras catdusesuensesavieacizeavenscs 13 2 Check Initial Deposit Required 13 3 Check Available Balances onto diia a 13 4 Sub process Prepare and dispatch corporate customer kit 1 2 1 Document Uplodd csse ies 1 2 2 Document E AAA 1 2 3 Existing Customer Check EEN 1 2 4 Create Corpor te CUSTOMET i cc secssnissneivnsooneaseactesderancoenseinseticencassasisessnenssnusnsvonsienscuneasnacteederancosenensnds 1 2 5 Collateral Required Check AAA 1 2 6 Sub Process Collateral Acquisition cccccssccssssesecsseescesesseeseescesecaeesecacescsseeeeaeeseesecateaceaesaeeeenaes Step 14 DOCUMENT UPLOGG as sot van dveacessipedbaeadetacvards caves irai a aee aani E Ere E o re iaa EE Epei eani Step 15 Ad AAA A SEAN Step 16 Collateral M intenanc senesine ai Step 17 Collateral Pool Matet niao e e a dE a Step 18 Store document referenc ENEE Step 19 Retry Storing of Document Reierence nana rn nono aran cnn rn ra nace rn ranas L27 Inp tiand Create e 1 2 8 putand Create L
16. d move to next stage Step 17 Collateral Pool Maintenance If you have the requisite access rights as Collateral evaluation executive you can do Collateral pool maintenance In the Add Collateral Pool screen you can add all collateral pool related information in the system 3 Add Collateral Pool Web Pape Dialog Pool Details Liabikty IS1001 Pool Code POOL Pool Description POL WWF Pool Currency USD a Pool Amounts Pool Utdized F Collateral Code Linked ancl 1 Collateral e COLWWF1 You can enter the following details here Liability Select the liability number of the collateral Pool Code ORACLE Enter the pool code for maintaining the collateral pool Pool Currency Select the pool currency from the currency list provided Step 18 Store document reference You can invoke the document web service to store the document references for future references lf the web service call fails you have to store it manually in the next stage Step 19 Retry Storing of Document Reference When the web service call fails you need to retry storing the document references After the successful storing of the document references select PROCEED from the dropdown Click the save icon to save the record and move to next stage 1 2 7 Input and Create Line Code If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can capture information regarding limit line code for
17. e Inform Regulatory Authority screen e SDN Failed Inform Regulatory Authority Webpage Dialog Customer No 1111136 laz Short Name IPL Branch Code CHO an Auxiliary Corporate Custom Address For Correspondence Name Address mumbai Swift Code Fax Group Code Charge Group y Clearing Group fs ma Im Im Tax Group Liability Number Full Name Geographic Country IND Nationality IND Language IND Exposure Location Xref 1111136 Customer Category CORPORATE Customer Classification Exposure Category FX nett Customer PROCEED PROCEED After informing the regulatory authority select the action PROCEED from the drop down list adjoining the Audit button Click the save icon in the tool bar to save the record Step 4 Internal Black List Check F Blacklist Check Webpage Dialog Name chach344 DOB Country Remarks A os Name Name DOB USA Country Remarks SeqNo Address Line 1 Seq No Adcress Line 1 Address Line 2 Adress Line 3 Address Line 4 Address Line 2 Address Line 3 Address Line 4 A ORACLE You can perform a check on the customer record against the blacklisted customer database You need to query on the records using all or a combination of the following criteria e Name e DOB e Country e Remarks e Alias Name e SeqNo e Address Line 1 to 4 Click Query b
18. e Custom Address For Correspondence Unique Identifier Status Name Name Address Value FT CRM customer Geographic JT Mailers Required Country TT CLS Participant Nationality FF Issuer Customer Language FT Treasury Customer Swift Code Exposure Fax Location Documents Group Code Xref S z Charge Group Customer Category Media Clearing Group Customer Classification Tax Group Exposure Category FX nett Customer x MIS Standi structions Linked Entities Text Image Group Limits CLS Restrictions Fields Issuer Here you need to enter the following mandatory details Customer No Select the Customer number from the option list provided Liability Number Select the Liability number from the option list provided Short Name Enter the short name of the customer 1 2 4 1 Capturing Main Details of Corporate Customer Address Enter the address for correspondence with the customer Country Select the country of the customer from the option list provided Nationality Select the nationality of the customer from the option list provided 1 10 ORACLE 1 2 5 1 2 6 Language Select the language of the customer from the option list provided Customer Category Select the customer category from the option list provided Select corporate customer After the successful creation of a corporate customer select the PROCEED from the dropdown Click the save icon to save the record Collateral Required Check
19. e Limits Chapter to know more about it 1 2 14 Retry Storing of Document Reference Refer Retry Storing of Document Reference explained in Corporate Limits Chapter to know more about it 1 12 ORACLE ORACLE Corporate Credit Facility Renewal April 2009 Version 10 3 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright 2009 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial
20. eck Partial Match Screen 3 SDN Check Partial Match Web Page Dialog Customer No 151001 Short Name P issuer Branch Code CHO Man Ausiiery Corporate Custom Address For Correspondence Name P issuer Name Address Mrmba inde Vaise CRM Cust Geographic Mailers Required anise is CLS Pesticipant Nationally IND bauer Customer Language ENS Treasury Customer Exposure NE Locabon Xret 151001 Customer Category Corporate Customer Classification Exposure Category FX nett Customer 151001 MIS Standing instructions Linked Entities Text Image Group Limits CLS Restrictions Here you can verify the customer details If everything is found acceptable select the action CLEARED from the drop down list adjoining the Audit button The system will create the Internal Blacklist Checks task in the Pending task list Only users belonging to the CEROLE Compliance Executive can perform this task If you have requisite rights acquire it from the list by clicking the Acquire button adjoining the desired task The following screen will be displayed 3 Information Web Page Dialog 2 xi MESSAGE REFERENCE Y The Task was successfully Acquired cl002 The task will be moved to the Assigned task list Go to the Assigned task list and double click on the record to invoke the following screen 1 6 ORACLE Step 3 Inform Regulatory Authority on SDN match In th
21. en 1 16 ORACLE To invoke this screen Select YES from the dropdown if the current account is required and the process moves to the next stage Select NO from the dropdown if the current account is not required Click the save icon to save the record and move to next stage F Check if Account is Required Web Page Dialog Customer No Short Name WF Branch Code MI Main Auxibary Corporate Custom Address For Correspondence Name WF3 Address WF3 ADD Fax Group Code Charge Group Clearing Group Tax Group 1 2 12 Existing Account Check Liability Number 7000007 Full Name Unique Identifier Name Value Geographic Country USA Nationalty USA Language ENG Exposure USA Location Xret 7 Customer Category CRM Customer Maters Required CLS Participant Issuer Customer Treasury Customer If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view all available current accounts for the customer in order to select an account in the Customer Accounts Query screen If the current account is not available you can create a new account to associate with the limit ORACLE The screen appears as shown below 3 Customer Accounts Query Screen Web Page Dialog Customer Accounts cal ll Ld LJ Branch Code Accourt No Account Description Currency Accourt Class Jont Accourt indicator Address Ackiress2 Select EXISTS from the dropdown if the
22. er all mandatory information regarding line code creation of limit Step 8 Input and Create Limit e Enter all mandatory information regarding Limit for the customer Step 9 Store document reference e Document reference needs to be stored e Invoke the document web service to store the reference Step 10 Retry storing of document reference e f web service call fails retry storing of document references Step 11 Current Account required check e Check if the customer information for the need of a current account Step 12 Existing account check e Select an existing account or create a new current account for the customer Step 13 Sub process Create Current Account e Create a current account for the customer based on the details provided 13 1 Capture Current Account details 1 2 ORACLE gt Create current account with the information provided 13 2 Check Initial Deposit Required gt Check if the current account opened requires initial deposit 13 3 Check Available Balance gt Check if the minimum required balance available gt Wait till the availability to proceed 13 4 Sub process Prepare and dispatch corporate customer kit gt Enable all the facilities opted by the customer gt Generate and dispatch them 1 2 1 Document Upload There are three distinct activities in the document upload stage Users belonging to the user role CCOEROLE Corporate Credit Operations Executive can perform these acti
23. erent tasks At every stage the users with requisite rights need to fetch the relevant transactions from their task lists and act upon them The process comprises the following stages Step 1 Document upload e Upload multiple documents e Capture basic details of the customer e The documents uploaded are stored in document management system Step 2 Document verification e Documents are checked for completeness e Upload all missing documents Step 3 Existing customer check e Check if he is an existing customer Step 4 Create Corporate Customer e capture all corporate customer information e check Collaterals Required Step 5 Collaterals Required check e Check customer details if collateral are to be acquired Step 6 Sub process Collateral acquisition e create collaterals and collateral pools 1 1 ORACLE 6 1 Document upload gt Obtain documents related to renewal activity 6 2 Document verification gt Documents are checked for completeness gt Upload all missing documents 6 3 Collateral Maintenance gt Maintain all collateral details 6 4 Collateral Pool Maintenance gt Maintain collateral pool details 6 5 Store document reference gt Document reference needs to be stored gt Invoke the document web service to store the reference 6 6 Retry storing of document reference gt If web service call fails retry storing of document references Step 7 Input and Create Line Code e Ent
24. ilities 1 1 Introduction Closure of Credit Facilities of a corporate customer is an end to end process which allows the bank to go about selecting a customer obtaining all the credit facilities offered for the customer and decide on the facilities that needs to be closed The bank or customer initiates closure of credit facilities for a corporate customer You have to retrieve the customer information and obtain the signature for verification and verification decides to proceed further or get back to the customer for signature correction The list of credit facilities provided for the customer is retrieved as part of the process and is displayed for the customer to select a facility that is to be closed 1 2 Stages involved in Closing Credit Facilities In Oracle FLEXCUBE the process of renewing credit facilities of corporate customer is governed by several user roles created to perform different tasks At every stage the users with requisite rights need to fetch the relevant transactions from their task lists and act upon them Step 1 Input Retrieve Customer Details e Enter customer number e Retrieve customer information Step 2 Signature Verification e Check the signature stored in system with the one in closure form e Decide if the verification is successful Step 3 Select Credit Facilities e Select the credit facilities you wish to close and view the details e Close the credit facility 1 2 1 Retrieve Customer Details
25. ith respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated Corporate Credit Facility Renewal Version 10 3 9NT894 ORACLE FCUBSV UM 10 3 0 0 0 0 0 April 2009 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG Created on October 01 2008 Revision No Final Updated by Documentation Reviewed by Approved by Software Quality Team Development Testing teams Assurance Team Updated on April17 2009 Reviewed on April17 2009 Approved on April17 2009 ORACLE Corporate Credit Facility Renewal Table of Contents 1 RENEWING CREDIT FACILITIES o cococconooniononnoononnconnonccnncnnonnonncnnooncnnccononccnnconcnnonrn nono ronocnnonncnocoronncn ron noness 1 1 1 1 INTRODUCTION iu A A aia 1 1 1 2 STAGES INVOLVED IN RENEWING CREDIT EFaCHL Im 1 1 Step 1 Document wumlogd 1 1 Step 2 TT IIA 1 1 Step 3 Input Limits renewal deroils riire iein nr iKi 1 1 Step 4 Verify Limits renewal detai
26. ls ceceeccssesessessesesseseeseseeseseeseesesecseesesecseeaesecseuaesecaeeaesecaesecaeaeeeeaceaeeaees 1 1 Step 5 Retrieve customer details and Check for KYC change 1 1 Step 6 Sub process KYC C reuiewg EE 6 1 SDN CHG A desis A E Eaa A EETA E A E E EEE E A E A 6 2 Verify Partal EE 6 3 Inform Regulatory Authority on SDN match 6 4 Internal Black List Check eege Zeie dns ars esac cad Savane eee 6 5 Customer Identity Verification command 6 6 Other EE Step 7 Update changes KYC information o ccecccccssesssscsseseseeseeseseeseeecseuceseeseuceseesesaeseesesaesecaeeaeeeeaeeeeaeeaeaeeas Step 8 Correct and update KYC information Step 9 Sanction decision for renewal facility Step 10 Check for Collaterals Required civic ada np d lar Step 11 Sub process Collateral acquisition ooooooconcnonanonnnnnncnnnnnnnncnnnnn corona nana rn cnn ronca nana nc arc rn nan nrncns 1 2 Step 12 Modify Existing Limits coi Alondra iii 1 2 Step 13 Store document reference oo eeesecscessesecssesecsseesenseescesecasesecacesecsseecesecseesecaeeseesseesesaeeaeesesaaeeeeasenteas 1 2 Step 14 Retry storing of document relerence 1 2 1 2 1 DOCUMENT Upload aaa 1 2 1 2 2 DOCUMENE E E 1 3 1 2 3 Input Limits Renewal Details 1 3 1 2 4 Verify Limits Renewal Details 1 3 1 2 5 Retrieve Customer Details and Check for KYC Chonges nn nnra ra nnnnnn 1 4 1 2 6 Sub Process KYCC Review ENEE 1 5 Step 1 SDN Check 1 5 Step 2 Verify Partial Match ox ccscossc
27. n the Credit Details Input screen and enter the renewal details 2 Credit Details Input Web Page Dialog Line Code LINEPLO1 Collateral Amount Serial No 1 Uncollateralized Funds Line P Reporting Amount Main Line Code Transter Amount Line Currency USD ER Effective Line Amount Template Li Currency Restriction Y Revolving Line En Line Amount Basis Limit Amount Collateral Contribution v C terest Required Interest Calculation Account Availability Utilization Start Date Avadable Amount Expiry Date Date Of First OD Last Available Date Date Of Last OD C Ava able internal Remarks RENEW FROM VWF 5000 TO 6000 Limit Tenors Limits Restrictions Limit Schedules Collateral Pool Linkage Fields a E ct After the successful input of all information required for renewing credit facilities select PROCEED from the AUDIT block dropdown Click the save icon the process moves to the next stage 1 2 4 Verify Limits Renewal Details If you have the CCOMROLE Corporate Credit Operations Manager rights you can verify the limits renewal facility and approve or reject the details that are captured in the Verify Credit Details 1 3 ORACLE 1 2 5 The screen appears as shown below E Verify Credit Details Web Page Dialog Et Availability Liability ld 151001 Line Code Lit Serial No Main Line Code Line Currency f Line Amount Basis Start Date Expiry Date Last
28. nds Line Reporting Amourt Transter Amourt Effective Line Amourt Template C Currency Restriction O Revotving Line Eft Line Amount Basis Limt Amount Collateral Contribution Interest Required Interest Calcuistion Account Availability Utilization Start Date B Available Amourt Expiry Date amp Date Of First OD Last Available Date E Date Of Last OD O Available internal Remarks WF3 LA Limit Tenors Limits Restrictions Limit Schedules Collateral Pool Linkage Fields Remarks a a E lt lt e E Here you need to enter the following mandatory details Liability Id Select the liability id you wish to maintain this limit Line Code Select the line code you wish to maintain for this limit Serial No Enter the serial number you wish to maintain for this limit After the successful creation of line of code select PROCEED from the dropdown Click the save icon to save the record and move to next stage 1 2 9 Store Document Reference Refer the Store Document Reference stage explained above 1 2 10 Retry Storing of Document Reference Refer the Retry Storing Document Reference stage explained above 1 2 11 Current Account Required Check If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can view Customer information to check if the customer needs a current account for creating credit limits in the Check if Account is required scre
29. oaded documents are stored in document management system Click the Ok to go back to the main screen In the main screen you can select the outcome of this stage Select PROCEED from the dropdown in the AUDIT block and click the save icon The process moves to the next stage If you wish to view details of the user who had worked on the same record previously you can click the Audit button and invoke the Audit Details screen ORACLE The screen appears as shown below E Latest El Statement User New Sequence Identification ER Date Comment Number Here you can view the following details Sequence Number The system displays the sequence number of the record User Identification The system displays the user identification code of the person who has last worked on the record Action The system displays the action performed by the last user Date Time The system displays the date and time when the action was performed Comment Here you can view the comments entered Click the Exit button to exit this screen You will be taken back to the Document Upload screen Click save icon to save the transaction and the following information screen gets displayed 1 5 ORACLE The screen appears as shown below z amp Information Web Page Dialog MESSAGE D The taskis completed successfully REFERENCE LCIP 004 Click the Ok button and you will be taken back to the D
30. ocument Upload screen Click the Exit button to exit the screen The task is then moved to the next activity verification In the task menu click Pending to view the tasks The Task Lists screen gets displayed Branch Wope Week H Mn De eat Amer wi Dore acates08CorpOuntorer t 00002 wt RRA UPA wt Ceta mest Corpus e wn Creta rast CU w Crote mast orCorpCustt 6 Mi Cent Couto un Canet Cor Mi ege nt Corpus Mi Cat CAPAZ vort Tbe Retreve Customer et Select Creat Facility Upload Documenta Upload Thebocumerts Upa TheOocumerts Upload TheOocumerts Upload ThaOocumerts Los ThebDociments UpioadTneOoounents Ups Tredocuments Assigned Date Tru Ad 10 181257 OMT 05 30 2008 Sa as 19 134025 OMT 05 30 2008 The At 10 16 4692 OMT 05 30 2008 Tru ad 10 1809 30 OMT 0530 2008 Tru At 10 10 01 31 OMT 05 30 2008 Tru ad 10 1 01 29 GMT 05 30 2008 Tha as 10 19 01 91 OMT e05 30 2008 Try A 1019 01 30 OMT 05 30 2008 Du a4 10 1901 29 Omt 08 30 2000 Tru A 10 1672076 GMT 05 30 2000 Acera 1 6 ORACLE Click the Acquire button adjoining the required task to acquire it The following screen will be displayed 44 Information Web Page Dialog kd x MESSAGE REFERENCE Y The Task was successfully Acquired C1002 Refer the Procedures User Manual for details about task list 1 2 2 Document Verification If you have the requisite access rights LMROLE Legal M
31. or Exposure Category FX nett Customer 1111302 Here you can view all details captured in the Verify Customer Details screen If all details are accurate select the action PASSED from the drop down list adjoining the Audit button Click the save icon in the tool bar to save the record The following screen will be displayed Z Information Web Page Dialog 2 xi MESSAGE REFERENCE D The task is completed successfully LCIP 004 The Verification of other KYC Checks task will be created in the Pending task list Only users belonging to the KYCEROLE KYC Executive will be able to perform this task If you have requisite rights go to the Pending task list and acquire it from the list by clicking the Acquire button adjoining the desired task The following screen will be displayed 1 9 ORACLE The screen appears as shown below Z Information Web Page Dialog 24x MESSAGE REFERENCE Y The Task was successfully Acquired cloo2 The task will be moved to the Assigned task list Go to the Assigned task list and double click on the record to invoke the following screen 3 Other verifications Customer No 1111302 Linblity Hafe 1111302 CH Shot Nece st Fu Nare Branch Code re Unique identifier be vae Geogr prec Cortry USA Natenaity USA Languege ENO Exposure Locator gt et 1111302 Customer Category navius Customer Clas
32. r in the Check Available Balance screen In case of insufficient funds you cannot complete the stage without the amount is transferred to this account F Check Available Balance Webpage Dialog Dohe OF Accourt Number Accourt Currency C OverOeant Facity Regd O Track Recervable O Reterral Rogos Documents Step 4 Prepare and Dispatch Corporate Customer Kit You need to enable all the options as per the customer request and generate the relevant documents Dispatch the corporate customer kit with ATM Debit Card cheque book net 1 21 ORACLE ORACLE Corporate Credit Facility Creation April 2009 Version 10 3 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright 2009 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties w
33. racle com financial_services Copyright 2009 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
34. s CLS Restrictiona Fielde baue Select NOCHANGE from the dropdown if there are no changes in KYC and the process moves to the next stage Select KYCINFOCHANGED from the dropdown if the customer KYC information has changed Click the save icon The process moves to the next stage 1 2 6 Sub Process KYCC Review The Know Your Customer Check review sub process depends upon the regulatory environment within which a bank operates and its internal KYC policies Bank initiates the process of KYC C review for a customer as a part of parent process with all the relevant information in the system An external system will do SDN check against customer which decides the next stage of the flow They are e POSTIVE MATCH If there is positive match the process needs to inform the regulatory authorities and then Terminate e PARTIAL MATCH If there is a partial match you need to verify the partial match to decide if the process should continue or inform the regulatory authorities e NO MATCH If there is a no match scenario the process continues the normal flow and you do the internal black listed check then verify the customer identity and contact details Step 1 SDN Check The external system will perform an SDN check and respond with a match partial match or no match 1 5 ORACLE Step 2 Verify Partial Match Users belonging to the user role Compliance Manager can check the SDN result obtained from the external system in the SDN Ch
35. secdessenstvendenestontanen dovsenoationsansdvensenoasssongextereatosasnsdvensdvedt EE 1 6 Step 3 Inform Regulatory Authority on SDN match 1 7 Step 4 Internal Black List CHECK E 1 7 1 2 7 Update Changes in KYC Information ccccccccceccceescetscesecesecnsecusecacecsseeseeeseesaeeseeeseeeaeeseaeeeeeseeeeeeaes 1 11 1 2 8 Correct and Update KYC Jutormtoatton cono cnn cnn nc nn nono nono cnn rra naar cnn cre cana canon 1 11 1 2 9 Sanction Decision for Renewal Foacilin cono cnno cnc nono non oran cnn cra crac rra cancion 1 11 T2410 Collateral Required E 1 11 1 2 11 Sub Process Collateral Acquisition oonoonnnnnonnnonnnnnnnnncnnnconncnnonnn cnn corn no nn nena conan nn nnnn cnn n cn nnnnn anne cn nncnnos 1 11 L242 Modify Existing LI i 1 11 L213 Store Document Reference geni n e e A E E E EE E 1 12 1 2 14 Retry Storing of Document Reierence cano cano rn nc nn nena nena nnnn ana nnnn cnn cnn anna recreos 1 12 ORACLE 1 Renewing Credit Facilities 1 1 Introduction Renewal of Credit Facilities of a corporate customer involves various processes such as upload and verification of documents modify existing limits KYC C review and collateral acquisition for the modified limits On the receipt of an application seeking renewal of existing credit facilities the process of renewal starts And the bank will carry out activities such as obtaining documents verification of documents KYC review and collateral acquisition Based on the ac
36. sification gt gt a ien pt pee Exposure Category Fx nem Custeter 1111902 If all details are acceptable select the action PASSED from the drop down list adjoining the Audit button Click the save icon in the tool bar to save the record The following screen will be displayed 1 10 ORACLE The screen appears as shown below 3 Information Web Page Dialog 2 xi MESSAGE REFERENCE CU The task is completed successfully LCIP 004 If the details are not acceptable select the action FAILED from the drop down list adjoining the Audit button Click the save icon in the tool bar to save the record 1 2 7 Update Changes in KYC Information If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive modify the customer details in the modify customer operation of customer web service In case of web service failure you have to manually update the information in the next stage 1 2 8 Correct and Update KYC Information If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can correct business errors and updates the information if the modify customer system task fails and the process moves on to the next stage 1 2 9 Sanction Decision for Renewal Facility If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive you can verify all the details of limits renewal and sanction decision for
37. t iia 1 2 9 Store Document Referente AA 1 2 10 Retry Storing of Document Reference nono nono no nono nena nena anna nn enn n anna enanos 1 2 11 Current Account Required Check iiaii ANR ees Ee aa LAL Curtent Account CheQtiOn ida Step 1 Capture Current Account details Step 2 Check Initial Deposit Reguired s irissicirsiiciereriieriiitii tiiki naii a eiT E eo iE e iTi eoin iRe Step 3 Check Available Balance Step 4 Prepare and Dispatch Corporate Customer Kit ORACLE 1 Creating Limits for Corporate Customer 1 1 Introduction Creation of Limits for a corporate customer involves various process such as upload and verification of documents existing customer check collateral required check current account required check line code creation and limit creation This is a bank initiated process which begins with the receipt of customer s acceptance of the sanction letter The bank needs to receive the required set of documents from the customer as a part of the creation of limits Once documents are received the bank will carry out activities such as obtaining list of documents verification of documents collateral acquisition if applicable customer creation if applicable account creation if applicable line code creation and limit creation 1 2 Stages in Creation of Limits for Corporate Customer In Oracle FLEXCUBE the process of creating limits for a corporate customer is governed by several user roles created to perform diff
38. tivities performed the bank will go on to renew limits for the customer 1 2 Stages Involved in Renewing Credit Facilities In Oracle FLEXCUBE the process of renewing credit facilities of corporate customer is governed by several user roles created to perform different tasks At every stage you need to fetch the relevant transactions from their task lists and act upon them Step 1 Document upload e Obtain documents related to renewal activity Step 2 Document verification e Documents are checked for completeness e Upload all missing documents Step 3 Input Limits renewal details e Input details regarding limits renewal e Update existing limit facility Step 4 Verify Limits renewal details e Verify all the details of limit renewal facility e Approve or reject the details that are captured Step 5 Retrieve customer details and Check for KYC changes e Check if there are any major changes in KYC to continue or renew KYC check Step 6 Sub process KYC C review e KYC Check review response 6 1 SDN Check gt Check if the customer SDN is listed in the external system gt External system Response with a match partial match or no match 1 1 ORACLE 6 2 Verify Partial Match gt Check information and SDN result obtained from the external system gt Decide the partial match can be cleared or not 6 3 Inform Regulatory Authority on SDN match gt Inform the regulatory on the SDDN match result 6 4 Internal
39. utton to view all records that match the specified criteria If the customer details do not match any of the displayed records select the action CLEARED from the drop down list adjoining the Audit button Click the save icon in the tool bar to save the record The following screen will be displayed 3 Information Web Page Dialog 21xj MESSAGE REFERENCE D The taskis completed successfully LCIP 004 The Verification of the customer identity task will be created in the Pending task list Only users belonging to the KYCEROLE KYC Executive will be able to perform this task If you have requisite rights go to the Pending task list and acquire it from the list by clicking the Acquire button adjoining the desired task The following screen will be displayed 3 Information Web Page Dialog 2lsl MESSAGE REFERENCE Y The Task was successfully Acquired cloo2 1 8 ORACLE The task will be moved to the Assigned task list Go to the Assigned task list and double click on the record to invoke the following screen F Address Verification Web Pape Dialog Customer Mo 1111307 Lab ty Number 1111302 LS Sheri Mane sot Ful Name Dranch Code ourtry USA OM atome Haer USA Maes Eesen Mas pete Language ENO AS Peropart C ever Customer Expone ge 4 Location ressury Customer Jort Customer Wet 1111302 Customer Category nassa Customer Cisssiticat
40. vities If you have the required access rights you can upload documents using the Upload the Documents screen To invoke this screen select Limits Creation under Process Flows from the Application Browser and Stage1 thereafter You can also invoke this screen by typing in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button A Upload The Documents Web Page Dialog Customer Name P Issuer Sur Name P Issuer Full Name Address Mumbai India Documents Remarks Pee Here you need to enter the following details Customer Name Specify the name of the customer for whom you wish to create the corporate limit Short Name Specify the short name of the customer 1 3 ORACLE Address Specify the address of the customer Remarks Enter remarks if any 1 2 1 1 Capturing Document Details Click the Documents button to capture the document upload details 3 Upload the documents required for each stage Web Page Dialog Document Upload T Document Code Document Description Document Path Upload View Here you need to specify the following details Document Code Select the unique code to identify the document to be uploaded Document Path Specify the directory location from where the document has to be uploaded Upload After specifying the document path click the UPLOAD button to upload documents The upl
41. you have the requisite access rights CORMROLE Corporate Relationship Manager you can verify the signature of the customer in the closure form with the one stored in the Signature Verification screen 1 2 ORACLE The screen appears as shown below e Signature Verification Webpage Dialog SIGNATURE CIO 1111125 Name cricket Customer Signatory Details g Signature D Signature Name Signature Tte O sign ipl ipl Hie Enter the following details here to verify the signature CIF ID Enter the CIF ID of the customer here 1 2 2 1 Viewing the Customer Signatory Details The signatures related to the CIF ID holder get displayed here Select the signature to be verified and click the Image button You can view the signatures and decide if the verification is successful Select APPROVED from the dropdown if the signature is correct and the process moves to next stage of retrieval of all credit facilities provided to the customer Select REJECTED if the signature on the document is not correct Corrected signature on documents has to be obtained from the customer and this activity happens outside the process 1 2 3 Select Credit Facilities If you have the requisite access rights CCOEROLE Corporate Credit Operations Executive CCOMROLE Corporate Credit Operations Manager you can view the information regarding all credit facilities provided to the customer in the Select Credit Facilities screen
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