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Corporate Loan Origination User Manual

1. Pool Details Pool Code Pool Description Pool Currency Pool Amount Pool Utilized it Documents Trade In Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks Remarks Audit In this screen specify the following details Liability Details Liability Number Select the liability number The adjoining option list displays all valid liability numbers maintained in the system Select the appropriate one Liability Name Select the liability name The adjoining option list displays all valid liability names maintained in the system Select the appropriate one 1 55 ORACLE Main Liability No Select the parent liability number The adjoining option list displays all valid main liability numbers maintained in the system Select the appropriate one Liability Branch Select the liability branch The adjoining option list displays all valid liability branch maintained in the system Select the appropriate one Liability Currency Select the liability currency The adjoining option list displays all valid liability currency maintained in the system Select the appropriate one Overall Limit Specify the overall limit Line Details Line Code Select the line code The adjoining option list displays all valid liability numbers maintained in the system Select the appropriate one
2. Task History All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Application Verification screen 1 68 ORACLE Step 2 Application Verification The information captured in the previous stage is verified in the Application Verification stage Application Branch Application Date Channet Intermediary Group Applicant Details Local Branch Customer No 001 2012 11 07 001 001005754 Existing Customer Bl ous Financials Requested Limits Collateral Comments KYC Required Auto Decision Required Short Name TPL12 Customer Name National ID Corporate Loan Application Verification Stage m 9e Ig save S Hoia Application Category CORP 2 Lead Id Application Number CorporateLending5251 Product Code COP1 Enquiry ID User Reference 001COP11231
3. Date of Birth Mothers Maiden Name Marital Status Married Dependents Maker Date Time Mod No Checker Record Status Date Time Authorization Status You can specify the following details in this screen Lead Id Specify a unique identification for the prospective loan customer Description Specify a suitable description for the prospective loan customer Reason Specify the reason for the loan enquiry Date of Enquiry Specify the date when the prospective customer has made the enquiry about the loan You can also select the date by clicking the adjoining Calendar icon ORACLE 1 2 4 Customer Tab You can capture the following personal and geographical details related to a prospective customer Type Select the type of the customer from the adjoining drop down list Salutation Select the salutation preference of the customer from the drop down list provided You can select any of the following options e Mr e Mrs e Miss e Dr First Name Specify the first name of the customer Middle Name Specify the middle name of the customer Last Name Specify the last name of the customer National Id Specify the national Id or country code of the customer or select the national Id from the option list provided Responsibility Select the responsibility from the adjoining drop down list Liability Specify the liability for all parties other than primary applicant
4. Market Value Based Vehicle Details Haircut Schedule 1011 4 1 Security Id Vi i iri e vince Effective Date Haircut Units Nominal Value e Vehicle Number v Ez Cap Amount Year Guarantor Based Make Guarantor Id 2i Model cl Body m Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks Remarks Audit In this screen specify the following details to facilitate vehicle evaluation Collateral Details Collateral Branch Specify the collateral branch Utilization Order Specify the collateral utilization order if any collaterals are linked to the Loan Commitment Product Specify the commitment product if any collaterals are linked to the Loan For more details on capturing Collateral details refer the chapter titled Maintaining Collateral Details in Enterprise Limits and Collateral Management user manual Market Value Based Security ID Select the security ID The adjoining option list displays all valid security IDs maintained in the system Select the appropriate one 1 58 ORACLE Number of Units Nominal Value Specify the number of units Cap Amount Specify the cap amount Guarantor Based Guarantor ID Select the Guarantor ID The adjoining option list displays all valid guarantor IDs maintained in the syst
5. Line Serial Specify the line serial number Main Line Code Select the main line code The adjoining option list displays all valid main line codes maintained in the system Select the appropriate one Line Branch Select the line branch code The adjoining option list displays all valid branch codes maintained in the system Select the appropriate one Line Currency Select the line currency code The adjoining option list displays all valid line currency codes maintained in the system Select the appropriate one Line Amount Specify the line amount Limit Amount Specify the limit amount Collateral Amount If the collateral is maintained system displays the collateral amount when you click on Default button Otherwise system displays the value as zero 1 56 ORACLE Effective Line Amount Basis Select the basis on which the effective line amount is calculated Effective Line Amount System displays the effective line amount based on the specified effective line amount basis Availability Start Date Specify the start date of the line from the adjoining calendar Expiry Date Specify the expiry date of the line from the adjoining calendar Last Available Date Specify the last availability date for the line from the adjoining calendar Remarks Specify the remarks for the line Revolving Line Check this box to indicate that the revolving line is required Pool Details Pool Code
6. OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Branch This is the branch code Application Number This is the application number Stage This is the stage at which the application lies Application Date This is the date of application Currency This s the currency of the contract Product This indicates the product for the contract Value Date This indicates the value date of the contract Loan Amount This indicates the loan amount Contract Date This indicates the contract date Contract Interest This indicates the rate of interest Contract Term This indicates the duration of the contract Branch Total This indicates the total number of records for the branch 2 2 ORACLE 2 3 2 3 1 Funded Contracts Report This report lists the applications funded for the loan You can invoke the Funded Contract screen by typing CLRPFNCR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Funded Contract Funded Contracts Repor
7. Score From Specify the start credit score to pick the offer for the loan Score Up To Specify the end credit score to pick the offer for the loan Rate Specify the rate to be picked up for the score No of Instalments Specify the number of instalments for the offer Frequency Specify the frequency of the offer Units Select the frequency unit from the adjoining drop down list You can select one of the following e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly e Bullet 1 18 Stages in Corporate Loan Origination The different stages in corporate lending process flow are designed using Oracle BPEL framework The process of loan origination consists of several manual as well as system tasks carried out in a sequential manner Many users can be involved in the completion of a transaction and at each stage of the process a user or a group of users assigned with a task acquire and work on the relevant transaction 1 42 ORACLE 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 Application Entry gt Information captured in this stage include Applicant Information gt Corporate Information gt Directors Information gt Application details gt Requested Loan Details gt Facility Information gt Collateral Details gt Checklist Documents
8. Select the pool code The adjoining option list displays all valid pool codes maintained in the system Select the appropriate one Pool Designation Specify the pool designation Pool Currency Select the pool currency code The adjoining option list displays all valid pool currency codes maintained in the system Select the appropriate one Pool Amount System displays the pool amount Pool Utilized System displays the pool amount utilized 1 57 ORACLE 1 18 7 Collaterals Tab You can capture the details related to the collaterals provided by the customer in this tab Corporate Loan Application Entry Save vil Hold Application Category E Lead Id B Application Number CorporateLending5705 Product Code H Enquiry ID H User Reference Description Priority Low bd Application Branch 001 Status New Application Application Date 2012 11 07 Main Details Financials Requested Limits MEEME Comments Collateral Details Start Date Haircut End Date Revaluation Date Collateral Category H Revision Date Collateral Type Normal Charge Type j Default Linked Percentage Utilization Order Number Commitment Product Linked Amount Collateral Branch Collateral Id Collateral Description Collateral Currency Collateral Value Revalue Collateral
9. menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Underwriting screen ORACLE 1 69 Step 3 Internal KYC Review If the check box KYC Required is checked then the bank performs the KYC check for the applicant KYC Review Application Number 001005754 Customer No 001005754 IKYC Review Details Local Branch 001 KYC Internal Status No Match First Name KYC Internal Remarks No Match Middle Name SDN Status No Match ast Name SDN Remarks No Match Date of Birth Country IN Nationality IN You can review the following KYC details Applicant Number System displays the Application number Customer Number System displays the customer number KYC Review Details Local Branch System
10. Loan Account Product Code Loan Account Branch Character Fields Dihninininininlaiala f i ci ci ce ce c ci c iv ci Number Fields 1 83 ORACLE 1 18 20 Investigation Tab In this tab the system captures the field investigation details associated with the customer Corporate Loan Underwriting Stage Save fil Hold Application Category CORP_1 Lead Id Application Number CorporateLending4806 Product Code COP1 Enquiry ID User Reference 001COP112312007 Description NormalBearing Default Priority Low Application Branch 001 Status Underwriting E Application Date 2012 11 07 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges IIBBNEBN comments Invest 10h Verification Type KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields Prev Remarks Remarks Audit leita PROCEED v The following details related to the customer can be captured here e Verification Type e Verification agency You can view the investigation report associated with the customer by clicking the Report button 1
11. Loan Account Number Specify the loan account number Loan Branch Specify the loan branch Loan Currency Specify the loan currency Loan Amount Specify the loan account Down Payment Specify the downpayment done for the loan 1 86 ORACLE Value Date Specify the value date for the loan Maturity Date Specify the maturity date of the loan Instalment Start Date Specify the instalment start date of the loan from the adjoining calendar Status Change Mode Select the status change mode from the adjoining drop down list e Auto e Manual Close Collateral Check this box to close collateral No of Instalments Specify the number of instalments for the loan Frequency Specify the frequency of the instalment Unit Select the unit of the instalment from the adjoining drop down list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Click Apply button to apply the specified information Effective Date Effective Date Specify the effective date of the loan from the adjoining colander User Defined Element Values User Defined Element ID Specify the user defined element ID The adjoining option list displays all valid user defined element IDs You can select the appropriate one 1 87 ORACLE User Defined Element Value Specify the User Defined element value Rate Code Specify the rate code for the loan The adjoining option list displays all valid rate co
12. Loan MIS Loan Fields Prev Remarks Remarks Audit eile PROCEED Specify the following details Pricing Pricing ID You can select amp apply any one of the Pricing rule available under a pricing group linked to Application category Each pricing rule will auto select the best matched Loan Proposal for the requested loan application among the available offers for the application category You can either proceed with the system selected offer or can select any other offer for the loan based on the requirement If the pricing is not maintained for the application category then on clicking the Apply button the pricing and the offer will not apply for the loan Multiple Offers Offer ID Specify the offer ID 1 85 ORACLE Number of Installments Specify the number of instalments for the loan Frequency Specify the frequency of the instalment Unit Select the unit of the instalment from the adjoining drop down list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Rate Specify the rate for the loan Rate Code Specify the rate code The adjoining option list displays all the valid rate code Select the appropriate one Check System displays this option as checked if this option is selected at application category level If this check box is not checked you can check this box to apply for the new offer Click Apply button to apply the specified information Loan Details
13. Short Name Specify the short name of the customer Gender Select the gender of the customer from the drop down list Date of Birth Specify the date of birth of the customer or select the date by clicking the Calendar icon provided 1 3 ORACLE Mother s Maiden Name Specify the customer s mother s maiden name Customer Category Specify the category to which the customer belongs or select the customer category from the option list that displays all valid customer categories Country Specify the country of domicile of the customer or select the country code from the option list provided Nationality Specify the country of which the customer is a national or select the country code from the option list provided Language Specify the primary language of the customer or select the language from the option list provided Mobile Number Specify the mobile phone number of the prospective customer Landline No Specify the land phone number of the prospective customer Office No Specify the office phone number of the prospective customer Fax Specify the fax number of the prospective customer Passport No Specify the passport number of the prospective customer Passport Issue Date Specify the date on which the customer s passport was issued or select the date from by clicking the adjoining Calendar icon Passport Expiry Date Specify the date on which the customer s passport
14. This indicates the loan amount Interest This indicates the interest rate for the loan Term This indicates the duration of the contract Branch Total This indicates the total number of records for the branch Maker This indicates the user ID of the maker of the application Credit Application By User Report This report lists out the number of credit applications entered by the user You can invoke the Credit Application By User screen by typing CLRPCAUR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Credit Application By User Number Of credit Application By User Report User Branch From Date To Date Report Format Report Output PDF Print v PrinterAt Client v Printer Specify the following details 2 4 ORACLE 2 4 1 User Specify the Id of the user for which you wish to generate the report You can also select the ID from the adjoining option list The list contains all the valid users maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar
15. such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It is not developed or intended for use in any inherently dangerous 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
16. 1 15 Viewing Application Category Summary You can view a summary of the application categories in Category Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSCATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Category Details Authorization Status Record Status B Application Category a Financing Type Advanced Search Records per page 15 v TE Authorization Status Record Status Application Category Category Description Financing Type You can specify any of the following details to search for a record e Authorization Status e Record Status e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 16 Maintaining Pricing Details Oracle FLEXCUBE allows you to maintain pricing groups and apply a suitable pricing rule to an application category during corporate loan origination The pricing rule automatically selects the best matched loan offer for the loan application from the available offers for the application category 1 37 ORACLE You need to maintain pricing groups and define the price IDs and formulae for the group using Pricing Details screen To invoke the screen type ORDPROMT in the field at the top right corner of the applic
17. Advanced Search Records per page 15 x o e Authorization Status Record Status Group Id Description You can specify any of the following details to search for a record e Authorization Status e Record Status e Group ID Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 26 ORACLE 1 10 Maintaining Override Details You can maintain the formulae to verify if overrides need to be generated dynamically in Override Maintenance screen You can invoke this screen by typing ORDOVDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Override Maintenance Save vil Hold Process Code Application Category B Type Corporate v Stage Description Overrides 10f1 Sequence Number x Condition Error Code Error Parameter m Elements Index Functions Braces Operators Lanical Nnnaratara Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the following details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided Application Category Specify the categ
18. Application Verification Internal KYC External KYC Underwriting gt Collateral Valuation Information gt Applicant Financial Ratios gt Applicant Credit Score gt Applicant Bureau Report gt Loan Offers gt Loan Schedules gt Loan Charges gt Field Investigation gt Document Capture gt Advice Generation Loan Approval Document Verification gt Information captured during Previous stages are verified gt All documents obtained are verified against checklist Manual Retry 1 43 ORACLE 1 18 1 Process Flow Diagram The process flow diagram given below illustrates the activities carried out during the different stages of the workflow an ory wee Agg c ge wear tet ssl hut doe m Li 1 e LED wan fete 7 2 fee cn ae ane avs Dee ot Am ppt A A gt of me te wre to Ps O 1 tse Leper lw vany a ap D _ t t gt tr dae fee M vt ti 1 eov tows sor Zon v bow oO 1 Lass ae Aner et v An e miu wora 2 LL re me E gt Loss fee a T v tee Lj T 1 44 ORACLE The various tasks carried out in these stages will be explained in detail in the subsequent sections 1 18 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 Sta
19. Available Available Available Application ORDCLVER Available Available Available Verification Underwriting ORDCLUND Available Available Available Facility Approval ORDCLAPR Available Available Available Document ORDCLDVR Available Available Available Verification Customer Account Facility Loan Collateral Creation 1 63 ORACLE 1 18 11 Capturing Trade In Details You can capture the trade in details related to the loan application in Trade In sub screen To invoke this screen click Trade In button in Corporate Loan Application Entry screen Trade in Details Application Number CorporateLending5705 Type Sub Type Description Assetld Source Supplement Edition Validation Date Currency Product Code Make Model Manufacture Year Body Wholesale Base Retail Payment Amt Additions Total Transaction Value You can capture the asset details and the valuation details of the asset in this screen For more details on capturing Asset Valuation details refer the section titled Account Asset Valuation in Retail Lending user manual For more details on Capturing Asset Valuation details refer the section titled Account Asset Valuation in Retail Lending user manual 1 64 ORACLE 1 18 12 Capturing Customer MIS You can capture the MIS details for the customer if any by clicking MIS button against a
20. Department Comments Corporate v c Select the address type of the customer from the following options provided in the drop down list e Correspondence Address e Registration Mailing Check this box to indicate that the address you specify here is the customer s mailing address 1 5 ORACLE Address Line 1 3 Specify the address of the customer in three lines starting from Address Line 1 to Address Line 3 Contact Number Specify the contact telephone number of the customer Zip Specify the zip code associated wit the address specified Country Specify the country associated with the address specified Employment Details Employment Type Select the customer s employment type from the drop down provided The following options are available e Part Time e Full Time e Contract Based Employer Specify the name of the employer of the prospective customer Occupation Specify the occupation of the prospective customer Designation Specify the designation of the prospective customer Employee Id Specify the employee Id of the prospective customer Address Line 1 3 Specify the employment address of the customer in three lines starting from Address Line 1 to Address Line 3 Zip Specify the zip code associated with the office address specified Country Specify the country associated with the employment address specified Phone No Specify the of
21. ORDDOCMT Document amp Advice Maintenance ORDLEADM Loan Prospect Details ORDOVDMT Override Maintenance ORDPROMT Pricing Details ORDRATMT Credit Ratio Maintenance ORDRULMT Rule Details ORSCATMT Category Details ORSCLSIM Corporate Loan Simulation Summary ORSDOOMT Documents Details ORSLEADM Loan Prospect Summary ORSOVDMT Override Maintenance ORSPRCMT Pricing Details Summary ORSRATMT Credit Ratio Maintenance Summary 3 1 ORACLE Function ID Function Description ORSRULMT Rule Maintenance Summary 3 2 ORACLE ORACLE Corporate Loan Origination December 2012 Version 12 0 1 0 0 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashira 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2012 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
22. Ree eB Sg ole Eu GIG DA p CM A IIT M MED D IL DC a is 1 34 IU42 SA GCRCVEL AD cae ick ee SE GENRE eec tune a Fatt GEO E ae 1 35 1 15 VIEWING APPLICATION CATEGORY SUMMARY cccccssesesecesecececscsceesescsesesescscecsesesesceceeseeesesescseseeeeeeeeceecs 1 37 1 16 MAINTAINING PRICING DETAILS cccccccccccesececsesceceesceescsesescscecseseseseseseseeeececececececececseseeeeeseseseececececececs 1 37 1 17 VIEWING PRICING DETAILS SUMMARY cccesesececscesseseseseseseseseseeeseseseseseeeecseseseeceeseececeeseseseseseseeeeceeeescs 1 39 LAP A Maintaining Pricing Eormuld e eee e e a ln CR AE 1 40 472 Maintaining Pricing Offerss s ise Re aea eame ire ES 1 41 1 18 STAGES IN CORPORATE LOAN ORIGINATION cccccccceceeeeecececsesesesesesescsesesescececseseececsceeseseseseseseseeceeeeeess 1 42 LISD Process Flow Diagrdm s sehe PRU e RU Om RE eR 1 44 x10 29 Process Matrik esset sepu ELA DEDI DE EL d D ed DLE DM LLL D a EE DEL LE 1 45 URS Foo BI 211 O21 RI RM A 1 49 Ido BY lt 1 1K BE o i RR sete ette ec tese presse Ec eee A E e REI 1 51 TELS SEinancials Taba eet e e enero teta tte neis 1 52 J 15 6 EImis F bs ost ete dae E AS Mtt E lae eae eA huie ME RE MEME iit 1 55 TTS Collaterals Tabs iet ete ete te abren re hace eset tees eco i seine 1 58 1 18 8 Requested T b secet e nere Hee mE ER RET tetigi eed es 1 60 1 18 9 Comments Tab e et eteetecta lock Sok uec rb etn LIE cR Li Med obtoe pA a Me e ob re iC
23. Status Price Group ID Description Price Type In this screen you can base your queries by providing any or all of the following criteria e Application Status e Price Group ID e Price Type e Record Status e Description Based on the details provided system displays the following details e Authorization Status e Record Status e Price Group ID 1 39 ORACLE e Description e Price Type 1 17 1 Maintaining Pricing Formula Click Formula button to define the pricing rule for each price ID You can define the formula using origination system elements in Oracle FLEXCUBE Formula Maintenance 10f1 Sequence Number Condition 1 Elements Index Functions Braces Operators Logical Operators Sequence Number Specify the sequence number Condition Specify the possible data or the data limits here The supported operators are Operator Description Equals To gt Greater Than gt Greater Than or Equals To lt Less Than lt Less Than or Equals To Score Specify the score for each condition Elements Select the element from the adjoining option list 1 40 ORACLE If the loan requested details satisfies the condition specified in the pricing maintenance then the corresponding score gets added If the details do not satisfy the condition then zero will be considered a
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25. Time Mod No Checker Record Status Date Time Authorization Status If details are available as part of the maintenance for the prospect in the Prospect Details screen then after you specify the Application category Product Code and Customer Number in this screen if you click the Default button the system will populate all loan and schedule details available for the prospect When you create a new proposal the system will generate the Enquiry ID and the Date for the proposal You are required to capture the following details Application Category Specify the application category for the loan enquiry You can also select it from the adjoining option list Product Code Specify the product code for loan product selected by the customer You can also select it from the adjoining option list Branch Code Specify the branch code in which the loan will be processed You can also select it from the adjoining option list 1 10 ORACLE Customer Details Specify the following details for the customer Customer No Specify a unique customer number for the prospect who has initiated a loan account for the same product and application category combination First Name Specify the first name of the customer Last Name Specify the last name of the customer Contact Number Specify the number at which the customer can be contacted E mail ID Specify the e mail ID of the prospective customer Requested Loan De
26. displays the request ID External Agency The external credit agencies maintained for the Application Category in Application Category Maintenance are displayed here Score Specify the score associated with the rating 1 80 ORACLE Recommended Select the recommendation of the credit agency for the loan requested from the following options provided in the drop down list e Recommended e Not Recommended Remarks Specify remarks if any associated with the loan application 1 18 19 1 Viewing Credit Bureau Report You can view the credit bureau report by the external agency by clicking Bureau Report button in Corporate Loan Underwriting screen System displays the Credit Bureau Report screen where you can view the details Credit Bureau Report Application Number Customer No Requested Id External Agency Report Header Bureau Credit Report Id First Name Report Date MiddleName Unique Id Last Name On File Date Birth Date Best Match Summary 1 Summary 2 Trade Lines Public Records Collections Fraud Messages Inquiries Also Known As Consumer Statement Credit Scores Life Recent Open Chapter Chapter Chapter Chapter11 Chapter11 Chapter11 Chapter13 Chapter13 Chapter13 Total Total Total ORACLE 1 18 19 2 Capturing Loan MIS Details You can capture the Loan MIS details by clicking Loan MIS button in Corporate Loan Underwriting screen System displays th
27. ee ete e twee eee ae eae nad 2 1 2 2 1 Contenisof the Report s euentu 2 2 2 3 FUNDED CONTRACTS REPORT et ieietecten e cectes eee cete ite e tectec pee bici tee ten eee cectec ees eb duet 2 3 2 3 1 Contents OF MOR OP OTE ze dU Ae see a Edu e EE 2 3 2 4 CREDIT APPLICATION B Y USER REPORT eeeeee ere e ememnmnnnn nn nnen nsns nsns enisi esi e ese ese ese ese esee nsns en 2 4 2 4 1 Contents of the Reportes eee Ran HERE Eau 2 5 2 5 UNDERWRITING STATUS BY MONTH AND INTERMEDIARY REPORT ccccccececececesececesececeseseseseseseeseseeeees 2 6 2 5 1 Contents OF the Reportz s OR ERU Iam dau qe 2 6 2 6 UNDERWRITING STATUS BY MONTH AND UNDERWRITER REPORT eee eene enne nennen nnne 2 7 2 6 1 Contents OF MheR ODOT be aded aE iae m dau pe 2 8 2 7 UNDERWRITING STATUS BY MONTH REPORT eeeeeeeeeetee ee e emenennn nnns nennen nsns e ese ese ese usines eset nsns esee 2 9 2 7 1 Contents Of the Report sede ea RR ee BRUNO E pP 2 9 SCREEN GLOSSARY eres eo cig cscs aeo o nae ea Ps even da e eva Pea ev e OW EVA ER el Gu bob Sake es DEUS Fee Ege VR e UE eC Rene eo Po en deoa o 3 1 3 1 FUNCTION ID D Ca 5 AR ee eet tec ee See ia cedere ish ats ebd e cei e ede lee teen 3 1 1 1 1 2 1 Corporate Loan Origination Introduction The process of loan origination gets initiated when a prospective customer approaches the bank with a loan account opening request or when the bank approaches a prospective customer taking lead from i
28. remarks You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the internal KYC status and SDN status respectively based on the review 1 72 ORACLE Step 4 External KYC Review If the check box KYC Required is checked then the external agency performs the KYC check for the applicant KYC Review Application Number 001005754 Customer No 001005754 IKYC Review Details LocalBranch 001 KYC Extenal Status No Match First Name KYC Extenal Remarks No Match Middle Name Last Name SDN Status No Match SDN Remarks No Match Date of Birth Country IN Nationality IN You can review the KYC details displayed on the screen System displays the following information e KYC Internal Status e KYOC Internal Remarks e SDN Status e SDN Remarks Based on the KYC and SDN statuses and remarks the reviewer decides whether to move the task to the next stage 1 73 ORACLE Click Review button to view all customer information and perform KYC and SDN checks The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed E KYC Maintenance Summary Authorization Status Record Status KYC Reference B Full Name of Customer KYC Customer Type Risk Level Advanced Search Records per page 15 j4 4 1 Of 1 Authorization Status Record Status KYC Reference Full Name of Customer KYC Cust
29. row in the Applicant Details table System displays the Customer MIS screen where you can maintain the MIS details Customer MIS Application Number CorporateLending5705 MIS Group Default From MIS Group EEERE coss Customer MIS Classes 10f1 MIS Class MIS Code Customer No Local Branch 001 F Link to Group Change Log Transfer Log 1 18 13 Capturing Customer Account MIS You can capture the MIS details for the Customer Accounts in Customer Account MIS Screen System displays the Customer Account MIS screen where you can maintain the MIS details Customer Account MIS Application Number CorporateLending5705 c Customer Branch Code Account Account Class Currency GBP Transaction MIS Transaction MIS 1 Transaction MIS 2 Transaction MIS 3 Transaction MIS 4 Transaction MIS 5 Transaction MIS 6 Transaction MIS 7 Transaction MIS 8 Calc Method Rate Code Rate Type Reference Rate Spread Composite MIS Composite MIS 1 Composite MIS 2 Composite MIS 3 Composite MIS 4 Composite MIS 5 Composite MIS 6 Composite MIS 7 Composite MIS 8 Cost MIS Pool Code MIS Group Cost MIS 1 Cost MIS 2 Cost MIS 3 Cost MIS 4 Cost MIS 5 Pool Code Account Level F Link to Group Default
30. the number of compound months Compound Years Specify the number of compound years Years Select the actual number of days for the year from the adjoining drop down list You can select one of the following options e 360 e 365 e Actual 1 14 ORACLE 1 5 Days in Month Select the number of days that would constitute a month for calculation from the adjoining drop down list You can select one of the following options e 30 euro e 930 US e Actual After the loan application has been created in the system if you select the Enquiry ID specified here the system will default the requested details for the offer selected here in the Corporate Loan Application Entry screen in the Requested tab You can only view the details in the screen At the Underwriting stage the system will default the loan details which you can modify in the Loan tab of the Corporate Loan Underwriting Stage screen Viewing Simulated Loan Details You can view a summary of the loans that have been simulated for prospects in Corporate Loan Simulation Summary screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSCLSIM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button E Corporate Loan Simulation Summary Authorization Status Record Status Enquiry ID H Application Category Product Code B Custo
31. 1 07 Main BBB Financials Requested Limits Coniatera Comments Address Details Address Zip Country Contact Number Address Type Correspondence Address v 7 Mailing Director Details Permanent Address Mailing Address Address Address 1 Address 2 Address 2 Address 4 Director Name Tax Id Mobile Number Email Telephone Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks Remarks Audit In this screen you can capture multiple address and employment details if required For more details on capturing Adreess details refer the chapter titled Maintaining Customer Information Files in Core Entities user manual You can capture the following additional details related to the Director in this tab Director Name Specify the name of the director of the corporate customer Tax ID Specify the tax identification of the director Mobile Number Specify the mobile number of the director E mail Specify the e mail ID of the director ORACLE Permanent Address Address Specify the permanent address of the director Country Specify the country associated with the address specified Mailing Line 1 4 Specify the mailing address of the customer in Line 1 to Line 4 provided 1 18 5 Financials Tab You can capt
32. 1 61 1 18 10 Capturing Document Details tied rece e teret edo er S Eseia 1 62 1 18 11 Capturing Trade In Details dere te prr deeper erar 1 64 1 18 12 Captu ring Customer MIS oie ee e EO rece ee te pra a P drea ee eR 1 65 1 18 13 Capturing Customer Account MIS essent nennen trennen rene enne nete 1 65 1 18 14 Specifying Customer Account Fields eee eese eee en rennen 1 65 1 18 15 Viewing Vehicle Ev ludtor dere t prr eere rar 1 67 1 18 16 Coll teralDdb S do bruto etos cite chaste Rite aioe tita Eie obti t ner dM e bet cao e bette A 1 75 1 18 17 Credit SCO Tab site tes ect E eee e ER tr be eet ese eae pees 1 78 1 18 18 R tio T b iod o e ePa He p a e E E SA EEE EE EE chee tbhecasosses RUE 1 79 1 18 19 Bureau Td eter nttamieibtedir 1 80 1 18 20 Investigation TAD uc eet et RR sess te Ee HE HE HE RE Ce pot RE Seren ai 1 84 1 18 21 Do 7 WELT 1 AEAN EEA IAT RRR ER HERR 1 85 1 18 22 Component Tab eo Rt Dr ERR EP Ee HR PRORA NP RU UE RUE 1 90 1 18 23 Charges Tab oe Ra ODER ree e EUER NE UR SEO RURIS 1 93 1 18 24 Gomments TD i eec ue idt estote ee a rior Acher RE celled oe oA Kc EE PRS E Ca oh 1 94 130u0 ui iS 2 1 2 1 INTRODUCTIONS i eecet ertet bete cree edet cete t BE hob ON EEE EPd d ede cente 2 1 22 PREFUNDING CONTRACT REPORT eeeesteeteteceteececkeco ete e a a tete eee te he ede ke ke cese cab
33. 2007 Description NormalBearing Priority Low Status Verify Application External Credit Check Required Language ENG Country IN Nationality IN Default Category CORPORATE Group Code RMID RM Name Account Details Incorporation Business Description Account Branch Date Account Class Currency GBP Account Capital Net Worth Country IN Documents Trade In Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS CustomeriAccount Fields Vehicle Evaluator Remarks Audit Prev Remarks The details related to the loan application entry are displayed in this screen which can be verified by the verifier The details cannot be modified in this stage but comments can be added appropriately On completion of this stage the advices that are maintained for the stage are generated The verifier can either send the application back to the previous stage if the information provided is not adequate or can cancel it if the information captured is not satisfactory If the application details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process On successful verification a message stating that the task is successfully completed gets displayed To acquire the next stage you need to go to the Task
34. 84 ORACLE 1 18 21 Loan Tab In the Loans tab the system displays the list of the multiple loan offers that are attached to the application category specified If you have selected an Enquiry ID for the customer then the loan details that have been stored for the corresponding loan proposal are displayed here You can modify these details if required Corporate Loan Underwriting Stage El Save Dl Hold Application Category CATEGORY1 Lead id Application Number CorporateLending6011 ei Product Code COP1 Enquiry ID User Reference 000COP 112065002 Description NormalBearing e Priority Low v Application Branch 000 Status Underwriting Application Date 2012 03 05 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Wl Component Charges Investigation Comments Pricing Pricing ID E Apply Multiple Offers 10 Iv Offer Id No of Installments Frequency Unit Rate Rate Code Check Apply jj OFFER1 ei 12 1 2ay m FLOAT vz V oan Details Loan Account Number 000COP112065007 Value Date 2012 03 05 6 No ofinstalilments 12 LoanBranch 000 73 Maturity Date 2012 03 17 63 Frequency 1 Loan Currency GBP Installment Start Date 2012 03 06 j Unit Daily i Loan Amount 25 000 00 Status Change Mode Auto Dawn Paumant Maranan tur Documents Trade in KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report
35. ACLE Group Code Select the group code from the adjoining option list National ID Specify the national ID Click Default button to default the details of existing customers For more details on capturing Customer details refer the chapter titled Maintaining Customer Information Files in Core Entities user manual 1 18 3 1 Fields You can capture the user defined field details for the customer if any by clicking Fields button The Customer UDF screen gets displayed where you can maintain the UDF details User Defined Fields Application Number CorporateLending5245 Customer Customer Account Customer Branch 007 Customer No UDF Details 10f1 E Field Name x Value You can specify the following details in this screen Name Specify the name of the UDF being created for the customer Value Specify the value associated with the UDF being created for the customer 1 50 ORACLE 1 18 4 Details Tab The address and employment related details of the customer corresponding to the Application Category selected are displayed in this tab You can modify these details if required Corporate Loan Application Entry Save lt i Hold Application Category 8 Lead Id H Application Number CorporateLending5705 Product Code E Enquiry ID H User Reference Description Default Priority Low X Application Branch 001 Status aco Application Date 2012 1
36. BE ices Document Upload 10f1 C Document Category Document Reference x Document Type Upload View Here you need to specify the following details Document Category Specify the category of the document to be uploaded Document Reference The system generates and displays a unique identifier for the document Document Type Specify the type of document that is to be uploaded 1 62 ORACLE Upload Click Upload button to open the Document Upload sub screen The Document Upload sub screen is displayed below Documents EH icc Document Upload 10f1 Document Category Document Reference Document Type Upload View MADDRESSPROOF at Cj BANK STATEMENT a Document Upload Document Path Browse In the Document Upload sub screen specify the corresponding document path and click the Submit button Once the document is uploaded through the upload button the system displays the document reference number View Click View to view the document uploaded In Corporate Loan Origination process Document Upload feature is not available in all the stages Its availability in this process is given below Stage Title Function Id Doc Callform Upload Available View Available Exists Not Available Not Available Application Entry ORDCLAPP
37. Corporate Loan Origination Oracle FLEXCUBE Universal Banking Release 12 0 1 0 0 December 2012 Oracle Part Number E51465 01 ORACLE FINANCIAL SERVICES Corporate Loan Origination 1 Table of Contents CORPORATE LOAN ORIGINATION cssssccsssssscssssscccsssscccsssscccessscccessssccsessseccessaceccssneccsessceccsssacscessnee 1 1 1 1 INTRODUCTION oi uk ER ee RL enean ee 1 1 1 2 MAINTAINING LOAN PROSPECT DETAILS ccccccccececececesececececececececesecececesesscececacecacesesesecesessessssaeseaeseenaes 1 1 1 2 1 Customer Taba oen det dete eh etum tse oat secs os ed Sel A ea 1 3 1 2 2 Deals Tabs a nde esed ta dab estet assem demi vesc de d Be 1 5 1 2 3 R quested Tab uie i i dele HU Ree eee e Pete Ie eee EEES 1 7 1 3 VIEWING LOAN PROSPECT SUMMARY ccccccccecececececececececececececececececscececscacesscesececacesesasesesesessessesseaesuseaeanaes 1 8 1 4 SIMULATING CORPORATE LOANS re terete cerner erit ee ee eek e eere ee e terae eae ee vex ta aee E ERE ER avd See ENT 1 9 1 4 1 PO GWT GD A a A eat its a a A needs A esd ene as ba 1 12 1 4 2 Component TAD i ege He de EE re e E ages bias e eee 1 14 1 5 VIEWING SIMULATED LOAN DETAILS a e ee a nnnm esse ese ese ese ese ese e sessi ese ese s esee 1 15 1 6 MAINTAINING CREDIT RATING RULES eeeeeeeeten e e e ememenenen emnes ese e ese ese ese etes ese ese ese ese ases eset esee 1 16 1 6 1 Main TAD steal es etek eh meto La Mri sheds tc d indt aya Lama n
38. LE Mandatory Check this box to indicate whether the checklist is mandatory or optional 1 13 Viewing Document Checklist Summary You can view a summary of the document checklists and advices in Document Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSDOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Documents Details Authorization Status Record Status Process Code ai Application Category Search Advanced Search Records per page 15 v Authorization Status Record Status Process Code Application Category You can specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 32 ORACLE 1 14 Maintaining Application Category Details You can maintain various application categories linked to multiple loan products that cater to the requirements of different customers in Application Category Maintenance screen The entire process of loan origination depends mainly on the category to which the application belongs You can invoke Application Category Maintenance screen by typing ORDCATMT in t
39. M Application Branch 001 Status NewAppicaton Application Date 2012 11 07 1 Main Details Financials IRBUBEIEG Limits Collateral Comments Financing Requested Currency E No of Installments Loan Purpose Requested Amount Unit Monthly Interest Rate Frequency Tenor In Months Itemizations 10f Itemization Comments ic Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks Remarks Audit You can capture the following details here Currency Specify the loan currency preference of the customer or select the currency from the option list Requested Amount Specify the loan amount requested by the prospective customer Interest Rate Specify the preferred interest rate of the prospective customer Tenor in months Specify the preferred loan tenor in months of the prospective customer 1 60 ORACLE No of Installments Specify the requested Number of Loan Instalments Schedules Frequency Specify the requested Loan Schedule Frequency Unit Specify the requested Loan Schedule Frequency Unit Basis Loan Purpose Specify the Purpose of the loan Itemization Specify the tenor itemization that is required For example you can specify the itemizations like Booking Amount Payment Interiors etc Comments Specif
40. MIS Group Change Log Transfer Log 1 18 14 Specifying Customer Account Fields You can capture the user defined field details for the customer and customer account if any by clicking Customer Account Fields button against a row in the Applicant Details table System displays the User Defined Field screen where you can maintain the UDF details 1 65 ORACLE User Defined Fields Application Number CorporateLending5705 ERR customer Account Customer Branch 001 Customer No UDF Details 10f1 Field Name x Value You can specify the following user defined field details for the customer in Customer Tab Name Specify the name of the UDF being created for the customer Value Specify the value associated with the UDF being created for the customer User Defined Fields Application Number CorporateLending5705 7 cuore RR Account Branch Account Number UDF Details 10f1 E Field Name x Value You can specify the following user defined field details for the customer account in Customer Account Tab Name Specify the name of the UDF being created for the customer account 1 66 ORACLE Value Specify the value associated with the UDF being created for the customer account 1 18 15 Viewing Vehicle Evaluator You can view the evaluated vehicle details captured as part of collateral details by click
41. This stage is optional Task will be moved to this stage only when the system is unable to create Customer Customer Account Liability Facility Collateral pool Loan You can make the necessary changes amp retry ORDCLMCU PROCEED The stages are explained in detail in the sections that follow 1 46 ORACLE Step 1 Application Entry In this stage the bank receives an application requesting for the creation 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 e Applicant information e Applicant contact information e Director s information e Corporate information e Facility e Loan details e Collateral details Documents obtained from the applicant are also uploaded during this stage You can key in the loan application details required in Corporate Loan Application Entry screen You can also invoke this screen by typing ORDCLAPP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Loan Application Entry Save M Hold Application Category H Lead Id 8 Application Number CorporateLending5705 Product Code 8 Enquiry ID E User Ref
42. ance screen Document checklists are maintained for an application category and for the various stages in the origination process You can also maintain the details of the Advices that need to be generated on completion of a stage in the process 1 29 ORACLE You can invoke Documents Verify Maintenance screen by typing ORDDOOCMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Document verify Maintenance Save M Hold Process Code Application Category Process Stages Stage Stage Document Details 10f1 Document Category Document Type Mandatory 73 a Mandatory Report Name Template Format Locale PDF v en US v Checklist Details 10f Sequence Number Checklist Item Mandatory 1 ig F Maker Date Time Mod No Checker Record Status Date Time Authorization Status You can specify the following details in this screen Process Code Specify the process code of the process for which you wish to maintain override conditions or select the process code from the option list provided Application Category Specify the category to which the loan application belongs or select the application category from the option list provided Stage Select the sta
43. atio Tab In the Ratio tab the system calculates the stated and actual income debt ratios and also calculates the ratio based on What if payment amount Corporate Loan Underwriting Stage Save M Hold Application Category CORP_1 Lead Id Application Number CorporateLending4806 Product Code COP1 Enquiry ID a User Reference 001COP112312007 Description NormalBearing Priority Low Application Branch 004 Status l Underwriting Application Date 2012 11 07 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Stated Actual Net Worth Assets 40 000 00 Assets 10 000 00 Liabilities 20 000 00 Liabilities 500 00 What if Payment Amt 2 000 00 Stated Before Stated After Actual Before Actual After 55 05 i25 Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields Prev Remarks Remarks Audit udi PROCEED v The stated income and debt of the customer are displayed here You can capture the following additional details here Actual Monthly Income Specify the actual monthly income of the customer based on documentary proof provided Monthly Debt Specify the actual monthly debt of the customer based on documentary proof provided 1 79 ORACLE Click Calculate R
44. ation Source INTERNAL Model dentification Number Body Year Usage Make Vehicle Valuations Wholesale Value Attribute Value Retail Value Total Value Usage Value Vehicle Attributes 10710 Attribute Description Attribute Code Attribute Value Package Included n B 1 77 ORACLE In this screen you can view the information available for the vehicle based on the information provided by you If the information in this screen matches the details available in the system database for the same vehicle the status is updated to COMPLETED in the collateral tab If it does not match then the status is updated to NO DATA Once the verification is completed you can select the Outcome as PROCEED and move to the next stage For more details on capturing Collateral details refer the chapter titled Maintaining Collateral Details in Enterprise Limits and Collateral Management user manual 1 18 17 Credit Score Tab The credit score tab is used to calculate the credit score details of the customer You can also interface with external Credit engines and display recommendations and report Internal Credit engine obtains information from customer and calculates credit score and displays system recommendation Corporate Loan Underwriting Stage Save il Hold Application Category CORP 1 Lead Id Application Number CorporateLending4806 Product Code COP1 Enquiry ID 8 User Reference 001COP112312007 Descr
45. ation toolbar and click the adjoining arrow button Pricing Details Price Group ID Price Type Y Description Pricing Details 10f V Price ID Price Description Default Formula Offer cg EM tA Maker Date Time Checker Date Time Mod No Record Status Authorization Status Specify the following details Pricing Group ID Specify a unique name to identify the price group Description Specify a brief description of the price group Price Type Specify the price type associated with the price group You can choose one of the following price types e Corporate e Retail Pricing Details Specify the following details Price ID Specify a unique price ID This price ID can be applied to a loan at underwriting stage 1 38 ORACLE Price Description Specify a brief description of the price ID Default Check this box to set this as the default price ID for the price group that you maintain 1 17 Viewing Pricing Details Summary You can view the pricing details maintained in the Pricing Details screen To invoke the screen type ORSPRCMT in the field at the top right corner of the application toolbar and click the adjoining arrow button Pricing Details Authorization Status Record Status Price Group ID i Description Price Type Advanced Search Records perpage 15 v 1 Of 1 Authorization Status Record
46. atios button to calculate the asset liability ratios for the customer What if Pmt Amt Specify the EMI amount that the customer is ready to pay Click on the Calculate button to calculate the ratio has to be specified 1 18 19 Bureau Tab You can interface with external credit bureaus and view report obtained from them in Bureau tab Corporate Loan Underwriting Stage Save vil Hold Application Category CORP 1 Lead Id Application Number CorporateLending4806 Product Code COP1 Enquiry ID 2i User Reference 001COP112312007 Description NormalBearing Priority Low X Application Branch 001 Status Underwriting Application Date 2012 11 07 Main Details Financials Requested Limits Collateral Credit Score IBI Ratio Loan Component Charges Investigation Comments External Credit Rating Recommended Not Recommended RequestID Status Not Required X External Agency 1434 E Remarks Score Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Prev Remarks Remarks Audit elit PROCEED v The credit agencies and the bureaus maintained for the Application Category are displayed in this screen You can capture the remarks and recommendations from these agencies in this tab You can also view the credit report obtained from the agencies and bureaus External Credit Rating Request ID System
47. button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch User ID and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Branch This indicates the branch code Product This indicates the product code under which the application is made Application Number This indicates the credit application number Stage This indicates the stage at which the application lies Application Date This indicates the date on which the application was made Contract Date This indicates the contract date Contract Currency This is the currency of the contract Contract Amount This is the amount of the contract Contract Term This is the total term of the contract Contract Interest This is the interest applicable to the contract Total This indicates the total number of records for the branch i ORACLE 2 5 2 5 1 Underwriting Status By Month and Intermediary Report This report lists application status by month and producer for loans You can invoke the Underwriting Status By Month and Intermediary Report screen by typing CLRPUNMI in the field at the t
48. d Sete 1 17 1 6 2 Risk Factor T bzsnc t A ESTE EI PEE A ph cients as ea tba cei cabana nal selva dbs tne erii cederet agi 1 19 1 6 3 Specifying Credit Grades inte put S cie ee ike Perte p b ee A ative Deere eei ds 1 21 1 6 4 Specifying Auto Decision i e Fede d ie te ke Pee iie D ee Eee Po e ds 1 22 1 7 VIEWING CREDIT RULE SUMMARY ecce ceeetese cete caeco tote e beso aee cole cduedcactocs te tee Deco at deae tae cei cue e tete Rene 1 23 1 8 MAINTAINING CREDIT RATIOS cose eirececeeceseteeeteee caeco cete ee trece ue dese teet cue ete te ce rete ue edere delen oaia ess 1 24 1 8 1 Specifying Formula Details ie a e tee A de ete sive de EC e Poe uada 1 25 1 9 VIEWING CREDIT RATIO SUMMARY osae oaaae aaee aa o oa ean ee ea eo Ea eo oa eeaeee niaes 1 26 1 10 MAINTAINING OVERRIDE DETAILS cccccccececececscececececececscscecececececececscecececececececececececececeeeeecececececececececs 1 27 1 11 VIEWING OVERRIDE SUMMARY cic scdccsdowessescescdcasteisecuscsscvscolowcvebcesuveuscevevsuvestvvbes vane reb era ea eS Ue Rn erede ay cv 1 29 1 12 MAINTAINING DOCUMENT DETAILS retinentur tea nein ea cuoco a a seGaeedoucedebessedeabivusvsevesteveenss 1 29 1 13 VIEWING DOCUMENT CHECKLIST SUMMARY ccccccccecececececececececececececececececececececececececececececececececececeeesecs 1 32 1 14 MAINTAINING APPLICATION CATEGORY DETAILS cccccccececececeeeceescseeescscecscecececeesesceeeeeeseeeseeeeeeeeeeeess 1 33 TIAI MAI Tao S asser
49. des You can select the appropriate one 1 88 ORACLE Code Usage Select the code usage from the adjoining drop down list The options available are e Periodic e Automatic Resolved Value When you click Apply Button in the Financial Section the system calculates the resolved value Intermediary Intermediary Code Specify the intermediary code The adjoining option list displays all valid intermediary codes You can select the appropriate one Intermediary Ratio System displays the intermediary ratio The details related to the loan offer like the number of installments frequency unit interest rate etc are displayed here Select the reuired offer by clicking the Check option and click then click the Apply button to apply the selected loan offer The details corresponding to the selected loan offer are displayed in Loan Details section You can modify these details if required and click Apply button to calcualte the schedule details The payment schedules are derived based on the offer selected You can select only one loan offer in this screen 1 89 ORACLE 1 18 22 Component Tab In Component tab the system calculates and displays the component details based on the loan offer selected If you have selected an Enquiry ID for the customer then the schedule details that have been stored for the corresponding loan proposal are displayed here You can modify them if required Cor
50. displays the local branch code First Name Specify the first name of the applicant Middle Name Specify the middle name of the applicant Last Name Specify the last name of the applicant Date of Birth Specify date of birth of the applicant 1 70 ORACLE Country System displays the country code of the applicant Nationality Specify the nationality of the applicant System displays the following information e KYC Internal Status e KYOC Internal Remarks e SDN Status e SDN Remarks Based on the KYC and SDN statuses and remarks the reviewer decides whether to move the task to the next stage Click Review button to view all customer information and perform KYC and SDN checks The KYC Review Screen STSKYCMN and SDN Review Screens ORSSDNMN are displayed KYC Maintenance Summary Authorization Status Record Status KYC Reference B Full Name of Customer KYC Customer Type Risk Level Advanced Search Records per page 15 v 1 0r 1 i Authorization Status Record Status KYC Reference Full Name of Customer KYC Customer Type Risk Lev ORACLE You can modify the KYC status and review based on the manual review done through KYC Review screen Alias Names Summary a Date of Birth EH Advanced Search Records per page 15 v 1 Of 1 Name Date of Birth Country Once reviewed the verifier provides the review status and
51. duct Code Specify the identification code of the loan product to be linked to the application category being maintained You can also select the product code from the option list provided Product Description The description associated with the selected loan product gets displayed here Default Check this box to indicate if the loan product selected should be maintained as the default product for the application category Other Details You can capture the additional details related to the loan product here Offer ID Specify a unique identification for the loan offer being made to the customer No of Installments Specify the number of installments associated with the loan Units Select the units based on which the loan disbursement should be carried out The following options are available in the option list e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Frequency Specify the frequency at which the loan disbursement should be carried out 1 34 ORACLE Rate Specify the interest rate to be associated with the loan Rate Code Specify the rate code used to derive the interest rate or select the rate code from the option list provided Spread Specify the spread that is applicable for the loan being offered Effective Rate The effective rate of interest gets displayed here based on the interest and the spread specified Default Check this box to indicate if the loan offer specified s
52. e Loan MIS screen where you can capture the details Loan Mis Application Number Loan Account Number Input Link To Group Transaction MIS MIS Group Transaction MIS 1 Transaction MIS 2 Transaction MIS 3 Transaction MIS 4 Transaction MIS 5 Transaction MIS 6 Transaction MIS 7 Transaction MIS 8 Transaction MIS 9 Related Account Contract Level Product Loan Branch Financing Currency Related Account Related Reference MIS Head Interest Method Reference Rate Pool Code Composite MIS MIS Group Composite MIS 1 Composite MIS 2 Composite MIS 3 Composite MIS 4 Composite MIS 5 Composite MIS 6 Composite MIS 7 Composite MIS 8 Composite MIS 9 Fund MIS MIS Group Cost Code 1 Cost Code 2 Cost Code 3 Cost Code 4 Cost Code 5 MIS Group Fund MIS 1 Fund MIS 2 Fund MIS 3 Fund MIS 4 Fund MIS 5 Fund MIS 6 Fund MIS 7 Fund MIS 8 Fund MIS 9 Link To Group 1 82 ORACLE 1 18 19 3 Capturing Loan UDF Details You can capture the Loan UDF details by clicking Loan Fields button in Corporate Loan Underwriting screen System displays the Loan UDF screen where you can capture the details Loan Fields Application Number
53. e features maintenances and the different stages in the process flow are explained in detail in the following sections Maintaining Loan Prospect Details You can maintain the details of a prospective borrower or a loan applicant when the borrower initially approaches the bank enquiring about the various loan products that are being offered The following details are captured as part of this maintenance 1 1 ORACLE e Prospective customer s personal and location details e Prospective customer s employment details e Requested loan details You can maintain the details related to the prospective customer in Prospect Details screen You can invoke this screen by typing ORDLEADM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Prospect Details Save fil Hold Lead id Branch Code 001 Financing Type Corporate X Description Date of Enquiry 2012 11 07 Reason B oes Requested Applicant Details 10f1 Sequence Number Short Name Customer Name National Id Responsibility Liability m Country E First Name SSN Nationality E Middle Name Passport Number Language 8 Last Name Passport Issue Date Customer Category E Salutation Passport Expiry Date Financial Currency B Gender Mobile Number Landline Number Email Fax
54. edit decision for the applicant based on the auto decision You can select any of the following options from the drop down list provided e AUTO APPROVED Applications proceed to Document Verification stage from Underwriting stage If this option is selected Loan Approval stage will be skipped e RECOMMEND APPROVAL Applications need to be approved manually in Loan Approval stage after the Underwriting Stage e RECOMMEND REJECT Applications need to be approved manually in Loan Approval stage after the Underwriting Stage e AUTO REJECTED Applications proceed to the Application entry stage from Application verification stage again 1 22 ORACLE 1 7 Viewing Credit Rule Summary You can view a summary of the credit rules in Rule Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Rule Maintenance Authorization Status Record Status v Rule Id 2i Advanced Search Records per page 15 M 4 Of 4 Authorization Status Record Status Rule Id Account Description You can specify any of the following details to search for a record e Authorization Status e Record Status e Rule ID Click Search button to search for a record based on the search criteria s
55. em Select the appropriate one Rating The system displays the rating Haircut Schedules Specify the following Haircut Revision Schedule details for any collateral linked to the Loan Effective Date Specify the effective date from the adjoining calendar Haircut Specify the haircut percentage Vehicle Details You can capture the details of the vehicle which is to be evaluated in the following fields Vehicle Number Specify the registration number of the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details Usage Specify the mileage used by the vehicle till date 1 59 ORACLE These details will be used at the underwriting stage to evaluate the vehicle For more details on capturing Collateral details refer the chapter titled Maintaining Collateral Details in Enterprise Limits and Collateral Management user manual 1 18 8 Requested Tab The details related to the requested loan can be captured in this tab If you have selected an Enquiry ID for the customer then the requested details that have been stored for the corresponding loan proposal are displayed here Corporate Loan Application Entry Save M Hold Application Category Bi Leadid H Application Number CorporateLending5705 Product Code az Enquiry ID H User Reference Description Priority Low
56. er Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Prev Remarks Remarks SACTIONED Audit The verifier can choose to send the application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory 1 96 ORACLE If the applicant application and document details are verified successfully the verifier can proceed with the processing of the application by selecting PROCEED as the Outcome The verifier can select RETURN to return the process to underwriting stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed The customer customer account collateral facility etc are created in the system on completion of the Document verification stage Step 8 Manual Retry This stage is optional Task will be moved to this stage only when the system is unable to create Customer Customer Account Liability Facility Collateral pool Loan You can make the necessary changes amp retry You can select the outcome as PROCEED Ve ORACLE ORACLE 2 1 2 2 2 Reports Introduction This chapter deals with the various BIP reports that are available for the corporate loan origination process The reports that are available are Prefunding Contract Repor
57. er of compound months Compound Years Specify the number of compound years Years Select the actual number of days for the year from the adjoining drop down list You can select one of the following options e 360 e 365 e Actual Days in Month Select the number of days that would constitute a month for calculation from the adjoining drop down list You can select one of the following options e 30 euro e 30 US e Actual 1 18 22 1 Disbursal Details You can capture the Loan Disbursal schedules details in Disbursals screen You can invoke this screen by clicking Disbursement Details button Disbursals Application Number CorporateLending4806 Component Name MAIN INT Disbursals 10f1 Schedule Date Total Disbursement Amount AmountToDisburse Already Disbursed Amount Split Details 10f1 SplitSequence No SplitPercent 96 SplitAmount PaymentMode SettlementBranch Settlement Account Numbe I ORACLE The following details related to the Loan Disbursal schedules can be captured here e Schedule Date e Total Disburse Amount e Amount to Disburse e Already Disbursed Amount The following Disbursal Schedule s Split Details can be captured here e Split Sequence No e Split Percentage e Split Amount e Payment Mode e Settlement Branch e Settlement Account Number e Account Description e Customer amp Settlement Curre
58. erence Description Priorit Low X Application Branch 001 Status New Application Application Date 2012 11 07 EB Details Financials Requested Limits Coltateral Comments Channel Mm KYC Required External Credit Check Auto Decision Required Required ES Intermediary Group Applicant Details Local Branch 001 EE Short Name Language Customer No E Customer Name Country Existing Customer National ID Nationality Category Group Code H RMID RM Name Account Details Incorporation Business Description Account Branch D Date Account Class H Currency GBP Account B Capital Net Worth Country Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks Remarks Audit The Application Number is automatically generated by the system You can capture the following details in the main screen 1 47 ORACLE Application Category Specify the loan application category to be used or select the application category from the option list Product Code Select the product from the adjacent option list The list displays only the corporate CL products created in Oracle FLEXCUBE Description System displays the description of the selected product code App
59. expires or select the date from by clicking the adjoining Calendar icon Passport Issue Place Specify the place where the customer s passport was issued E mail Specify the e mail Id of the prospective customer 1 4 ORACLE Dependents Specify the number of dependents for the customer Marital Status Select the marital status of the prospective customer from the drop down list The following options are available e Married e Unmarried e Divorcee 1 2 2 Details Tab You can capture the address and employment related details of the prospective customer in Details tab Prospect Details Save il Hold Leadld Description Applicant Details Type Primary X Main BE Requested Address Details Address Type Correspondence Address v F Current Employment Details Employer EmploymentType Full Time Occupation Designation Employee Id Maker Checker Address Details Address Type e e Customer Name Date Time Date Time Branch Code 001 Date of Enquiry 2012 11 07 Address Line 1 Address Line 2 Address Line 3 Address Line 1 Address Line 2 Address Line 3 Country Zip Phone Number Mod No Record Status Authorization Status Financing Type Reason Zip Contact Number Country Extension Contact Phone Contact Name Contact Extension
60. ficial phone number of the prospective customer 1 6 ORACLE 1 2 3 Extn Specify the telephone extension number if any of the prospective customer Contact Specify the contact number of the prospective customer Contact Name Specify the name of a contact person at the customer s office Contact Phone Specify the contact phone number of the customer s contact person Contact Extn Specify the telephone extension number if any associated with contact person Comments Specify comments if any related to the customer s employment Department Specify the department to which the customer belongs Requested Tab You can capture the details related to the requested loan in Requested tab Prospect Details Save vil Hold Lead ld Branch Code 001 Financing Type Corporate X Description Date of Enquiry 2012 11 07 Reason Main Details BERNER Requested Loan Details Requested Currency 8 Rate Loan Purpose Requested Amount Tenor In Months ELTE Date Time Mod No Checker Record Status Date Time Authorization Status ORACLE 1 3 You can capture the following details here Requested Currency Specify the loan currency preference of the customer or select the currency from the option list provided Requested Amount Specify the loan amount requested by the prospective customer Tenor in months Specify the preferred loan tenor in months
61. fully done The system will display a message stating that the task is successfully completed on saving the record To acquire the next stage you need to go to the Task menu and select Assigned under Standard option All tasks that have been successfully completed are listed in the right side of the screen Select the checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage which will again be the underwriting stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Underwriting Stage screen The system will invoke the external valuation agency for vehicle evaluation You can view the details in the collateral tab In the collateral tab click the Evaluate button The system will check for the data within the FLEXCUBE database If there are none for the corresponding vehicle it will try to obtain the details from the external agency and display them in the Vehicle Evaluator screen Vehicle Evaluator Vehicle Details Valu
62. ge Title Description Function ID Exit point 1 Application Entry The following details are captured as part of this stage Application Details Applicant Details Requested Lending Details Collateral Details Check List User Defined Fields and Comments Document Capture Advice Generation ORDCLAPP PROCEED CANCEL Application Verification The details captured as part of Application Entry stage is verified ORDCLVER PROCEED RETURN CANCEL Internal KYC The applicant will be verified for the internal KYC check ORDCLIKC PROCEED CANCEL External KYC The applicant will be verified for the external KYC check ORDCLEKC PROCEED CANCEL 1 45 ORACLE Stage Stage Title Description Function ID Exit point Underwriting The following details are captured as part of this stage Collateral Valuation Information Applicant Financial Ratios Applicant Credit Score Applicant Bureau Report Loan Offers Loan Schedules Loan Charges Field Investigation Document Capture Advice Generation ORDCLUND VERIFY PROCEED RETURN CANCEL Loan Approval Facility Approval ORDCLAPR PROCEED RETURN CANCEL Document Verification Document Verification Final Verification Customer Creation Loan Account Creation Advice Generation ORDCLDVR PROCEED RETURN CANCEL Manual Retry
63. ge of the loan origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Loan Approval etc Stage Title Specify a suitable description for the loan origination stage 1 30 ORACLE Document Details Document Category Specify the category to which the document belongs or select the document category from the option list provided Document Type Specify the type of the document or select the document type from the option list provided Mandatory Select the option to indicate whether the document is mandatory or not You can select any of the following options from the drop down list provided e Mandatory e Overridden e Others BI Advices Report Name Specify the name of the advice report to be generated on completion of the process stage Template Specify the template to be used to generate the advice report Format Select the format in which the advice report needs to be generated from the drop down list provided The following options are available e PDF e RTF Locale Select the locale information to be used for generating the advices from the drop down list The following options are available e en US Out come Specify the outcome for which the report needs to be generated Checklist Details Sequence Number The system displays the sequence number Checklist Item Specify the checklist to be maintained 1 31 ORAC
64. he field at the top right corner of the Application tool bar and clicking the adjoining arrow button Application Category Maintenance Detail Save M Hold Application Category Application Type Corporate X Category Description Rule Id Ratio Id Pricing Group B cs Product Details 10f1 V Product Code Product Description y E Offer Details 10f1 Offer Id No of Installments Units Frequency Rate Rate Code Default Daily Y Date Time Mod No Record Status Date Time Authorization Status You can specify the following details in this screen Application Category Specify a unique identification for the loan application category Category Description Specify a suitable description for the loan application category Rule ID Specify the credit rule to be associated with the application category or select the Rule Id from the option list provided Ratio ID Specify the credit ratio to be associated with the application category or select the Ratio Id from the option list provided 1 33 ORACLE Pricing Group Specify the pricing group The pricing group comprises of the multiple pricing IDs containing formula 1 14 1 Main Tab You can capture the following details in the Main tab Product Details You can specify the following details related to the loan product here Pro
65. hecker Date Time Mod No Record Status Authorization Status You can specify the following details in this screen Rule ID Specify a unique identification for the credit rating rule Description Specify a suitable description for the credit rating rule Type Select the type of the loan from the following options available e Retail e Corporate 1 6 1 Main Tab You can maintain the following details in this tab 147 ORACLE Question Details Question ID The question ID is automatically generated by the system Category Select the category to which the question belongs from the option list provided Question Specify the question to be asked to the prospective customer to derive the credit rating score Answer Details Sequence Number The sequence number is automatically generated by the system Possible Answer Specify a set of possible answers to be associated with a question Score Specify the score associated with an answer 1 18 ORACLE 1 6 2 Risk Factor Tab You can specify the risk details associated with the loan and also indicate the formula for calculating the credit score in this tab Rule Details Save vil Hold Rule Id Account Description Corporate v van REE actor Risk F 108 G Risk Id Account Description Formula Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the follo
66. hould be maintained as the default offer for the application category 1 14 2 Agency Tab In Agency tab you can capture the details of the credit rating agencies and credit bureaus that provide credit rating details for customer securities Application Category Maintenance Detail Save vil Hold Application Category Application Type Corporate M Category Description Rule Id Ratio Id Pricing Group main RI Credit Agency 10f Agency Code Agency Name y v Bureau Details 10f1 Bureau Code Bureau Maker Date Time Mod No Checker Record Status Date Time Authorization Status You can specify the following details in this screen 1 35 ORACLE Credit Agency You can capture the details related to the credit rating agencies here Agency Code Specify the identification code of the rating agency that provides credit rating details for customer securities Agency Name Specify the name of the rating agency that provides credit rating details for customer securities Bureau Details You can capture the details related to the credit bureau here Bureau Code Specify the identification code of the credit bureau that provides credit ratings for customer securities Bureau Specify the name of the credit bureau that provides credit rating details for customer securities 1 36 ORACLE
67. i ORACLE Body of the Report The following details are displayed in the report Field Name Field Description Branch This is the branch Product code This is the product code Application Number This is the loan application number Stage This is the stage at which the application lies Application Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Rate This is the rate of interest applicable Total This indicates the branch total 2 10 ORACLE 3 Screen Glossary 3 1 Function ID List The following table lists the function id and the function description of the screens covered as part of this User Manual Function ID Function Description CLRPCAUR Credit Application By User CLRPFNCR Funded Contract CLRPPFCR Prefunding Contract CLRPUNMI Underwriting Status By Month and Intermediary Report CLRPUNMN Underwriting Status By Month Report CLRPUNMU Underwriting Status By Month and Underwriter Report ORDCATMT Application Category Maintenance Detail ORDCLAPP Corporate Loan Application Entry ORDCLSIM Corporate Loan Simulation Details
68. ick the Workflow Ref No to open Corporate Loan Approval screen Step 6 Loan Approval In the Loan Approval stage the approver verifies the loan application analyzes the applicant s financial status credit rating and field investigation reports and based on the credit worthiness of the customer approves the loan offered to the customer Corporate Loan Approval Stage Application Category ORG_COR_123 Leadid Application Number CorporateLending3518 Product Code COR4 Enquiry ID User Reference 019COR41134200 Description CORP Bearing produc Priority Low Application Branch 019 Status Loan Approval Application Date 2011 12 08 main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Channel KYC Required External Credit Check Intermediary Group Auto Decision Required Required pplicant Details LocalBranch 019 Short Name Apex Language ENG Customer No 019000097 Customer Name Apex Country GB Existing Customer National ID Nationality GB Category INDIVIDUAL Group Code RMID RM Name Account Details Incorporation Business Description Account Branch 019 Date Account Class ACCL6 Currency GBP Account ACCL6GBP900009701 Capital Net Worth Country Documents Trade In KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields P
69. ing the Vehicle Evaluator button against the Applicant record Vehicle Evaluator Collateral Code Vehicle Id Application Number CorporateLending5705 Vehicle Details Valuation Source N Model Identification Number Body Year Usage Make Vehicle Valuations Wholesale Value Attribute Value Retail Value Total Value Usage Value Vehicle Attributes 10f1 Go Attribute Description Attribute Code Attribute Value Package Included Selected 1 67 ORACLE To acquire the next stage you need to go to the Task menu and select Assigned under Standard option DOCUMENS 002 000 Oracle FLEXCUBE UBS1 1 2 ENG 2012 11 07 Transaction Input Windows Internet Explorer Home Interactions Customer Workflow Tasks Preferences anoe eau Pe Henin ow DRDCISIM M Tasks M Standard Page 1 Of 1 Jump to page s Acquired 0 s ssigned 4 Workflow Reference Transaction Title Assignee Group Assignee Customer Amount Creation Date Priority Reference Users Name From To t Complete IslamicljarahAccount1362 Application Entry ALLROLES 2012 04 30 gt Pending 0 11 14 27 IST Monge IslamicljarshAccountt574 Application Enty ALLROLES 2012 05 10 15 16 46 IST IslamicljarahAccount1575 Application Entry ALLROLES 2012 05 10 15 40 50 IST ImportLCProcessFlow1587 Receive and Verify ALLROLES CCSEROLE 2012 05 11 LC Import 12 11 04 IST
70. ion Click the Apply button The system will default all the details in the Loan Details section When you click the Apply button available in the lower section in Loan Details the system will populate the schedule details for the offer you have selected 1 13 ORACLE 1 4 2 Component Tab After the loan details have been displayed by the system or modified as per your requirements click Apply The system will process these details Click Component and the system will display the details of the payment and amortization schedules based on the loan details Corporate Lending Simulation Details New 9 Enter Query Enquiry ID Application Category Status Active Branch Code Product Code User Reference Enquiry Date Description Customer Details Customer No First Name Contact Number Last Name Email Requested Loan Details Requested Currency Interest Rate Loan Purpose Requested Amount Tenor In Months 12 oan EE Component Name Main Component Component Currency Capitalized E Waive Expl edule Liquidation Mode Auto Nerify Funds Disburse Details Schedule Details Schedules 10f1 E ii Start Date x EndDate Amount EMlAmount Capitalized Waive Compound Days Compound Months X Compound Years Years Days in Month You can specify the following schedule related details Compound Days Specify the number of compound days Compound Months Specify
71. iption NormalBearing e Priority Low Application Branch 001 Status Application Date 2012 11 07 Underwriting Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Internal Credit Rating Rule Id CRULE1 10A Grade NONE Fl Category Question Answer Score V MON INCOME E Monthly Income E gt 500001 lt 700000 E Risk Factor Details 10f a Risk Factor al m gt Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields Prev Remarks Remarks Audit etea PROCEED v The set of questions used to assess the credit rating of a prospective loan customer associated Rule Id are displayed in this screen You can specify the following details here Answer Specify the answer to be associated with the question used for calculating the credit score 1 78 ORACLE Risk Factor Specify the risk factor associated with the loan if any Description Specify a suitable description for the risk factor associated with the loan Click Calculate button to calculate the credit score and the grade based on the formula maintained for calculating the credit score The Grade and the Score are displayed based on this calculation 1 18 18 R
72. ition Stated Before v Elements Index Functions DA You can specify the following details here Ratio Type Select the type of the ratio being maintained from the drop down list provided The following options are available e Stated Before e Stated After e Actual Before e Actual After Condition The condition specified using the Elements Functions Operators etc gets displayed here Elements Specify the data elements to be used to define the formula for credit ratio calculation or select the element from the option list provided Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit ratio calculation formula 1 25 ORACLE Operators Select the mathematical operator to be used to define the credit ratio calculation formula You can select or f Viewing Credit Ratio Summary You can view a summary of the credit ratios in Credit Ratio Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Ratio Maintenance Authorization Status Record Status Group Id a
73. lication Branch System displays the current branch code Application Date System displays the application date Lead ID Specify a unique identification for the prospective loan customer Enquiry ID Specify an enquiry Id if you wish to retrieve information on the loan offer selected by the customer You can also select the ID from the adjoining option list The list contains all the Enquiry IDs created for the customer as part of the loan simulation process Application Number System displays the application number User Reference Specify the user reference number for the loan application If you do not specify the reference number system generates it when you click on the Default button Priority Select the priority for the creating export LC from the adjoining drop down list This list displays the following options e Low e Medium e High Status The status of the application gets displayed here Click Default button to default the details related corresponding to the prospective loan customer 1 48 ORACLE 1 18 3 Main Tab In Main tab you can capture the details associated with the loan applicant The customer details corresponding to the Application Category specified are displayed here You can modify these details if required Channel Specify the channel ID of the originating channel Intermediary Group Specify the identification code of the intermediary group if the custome
74. ment corresponding the corporate customer s customer Facilities Proposed Specify the details corresponding to the facilities that have been proposed by the corporate customer 1 54 ORACLE Approved Facilities Specify the details corresponding to the facilities that have been approved by the corporate customer Recommended Specify the details corresponding to the facilities that have been recommended by the corporate customer Terms and Conditions Specify the terms and conditions associated with the credit application 1 18 6 Limits Tab You can capture the Facility Information in Limits tab Corporate Loan Application Entry save vil Hold Application Category E Lead d B Application Number CorporateLending5705 Product Code E Enquiry ID H User Reference Description Default Priority Low X ipamo aia w ls Status New Application plication Date Main Details Financials Requested IB Collateral Comments Liability Details Line Details Availability Liability Number E Line Code E Start Date Liability Name Line Serial Expiry Date Main Liability No E Main Line Code Last Available Date Liability Branch E Line Branch 8 Remarks Liability Currency B Line Currency H Revolving Line Overall Limit Limit Amount Collateral Amount Effective Line Amount Limit Collateral Basis Effective Line Amount
75. mer No First Name B Last Name Status User Reference TEE Records per page 15 v 1 Of 1 Authorization Status Record Status EnquiryID Application Category ProductCode CustomerNo FirstName You can specify any of the following details to search for a record ORACLE 1 6 Authorization Status Record Status Enquiry ID Customer Number First Name Last Name Contact Number Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Maintaining Credit Rating Rules You can maintain a set of questions along with a possible set of answers with associated scores to assess the credit rating of a prospective loan customer You can also calculate the risk factor associated with the loan and arrive at a credit grade based on the scores obtained You can maintain these details in Rule Details screen You can invoke this screen by typing ORDRULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ORACLE Rule Details Save vil Hold Rule Id Account Description Type Corporate v MEH Ris Factor Question Details 10f1 Question Id Question Answer Details 101 Sequence Number Possible Answer 7 Maker Date Time C
76. ncy 1 18 22 2 Viewing Schedule Details You can view the modified schedule details Schedule details screen You can invoke this screen by clicking Schedule Details button Schedule Details Application Number MAIN INT 10f1 30 Due Date Amount Settled Amount Due y 2012 12 07 2013 01 07 2013 02 07 r 2013 03 07 r 2013 04 08 m nnan c nc Component Name MAIN INT EMI amount Amortized Principal Accrued Amount I Capitalize lun diii m 1 92 ORACLE 1 18 23 Charges Tab In Charges tab the system calculates and displays charges if any applicable Corporate Loan Underwriting Stage Save iil Hold Application Category CATEGORY1 Lead d Application Number CorporateLending4381 Product Code COP1 Enquiry ID E User Reference 001COP11231200 Description Priority Low X Application Branch 001 Status Underwriting J Application Date 2012 11 07 e Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component MIE Investigation Check List Comments Component Name Component Currency Effective Date C Waive KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Repo
77. oan applicant s assets Fixed Assets Specify the value associated with the fixed assets of the customer Intangible Assets Specify the value associated with the intangible assets of the customer Non Current Assets Specify the value associated with the non current assets of the customer Current Assets Specify the value associated with the current assets of the customer Capital You can capture the following details corresponding to the loan applicant s capital Issued Capital Specify the value associated with the issued capital of the customer Paid Up Capital Specify the value associated with the paid up capital of the customer Reserves You can capture the following details corresponding to the loan applicant s cash reserves Subsidy from Govt Specify the value of any subsidies the customer has obtained from the government General Reserves Specify the value associated with any general reserves of the customer Surplus You can capture the following details corresponding to the loan applicant s surplus income Credit Balance in PL Specify the surplus credit balance if any associated with the customer Liabilities You can capture the following details corresponding to the loan applicant s liabilities Term Liabilities Specify the value associated with the long term liabilities associated with the customer 1 58 ORACLE Current Liabilities Specify the value associated with the current liabili
78. of the prospective customer Rate Specify the preferred interest rate of the prospective customer Loan Purpose Specify the Purpose of the loan Viewing Loan Prospect Summary You can view a summary of the prospective loan customers or the borrowers in Loan Prospect Details screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSLEADM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 1 8 ORACLE 1 4 Loan Prospect details Authorization Status v Record Status v Lead Id 2i Date of Enquiry Advanced Search Records per page 15 v 3 011 Authorization Status Record Status Lead Id Date of Enquiry You can specify any of the following details to search for a record e Authorization Status e Record Status e Lead Id e Date of Enquiry Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen Simulating Corporate Loans You can simulate a loan proposal for a customer approaching the bank with enquiries about the loan products offered by the bank The following details would need to be captured as part of the simulation e Personal Details of the Prospect e Loan offers selected by the Prospect Based on the product offers selected and requested details the system
79. omer Type Risk Leve w Alias Names Summary ai Date of Birth ai Records per page 15 v j1 Of 1 Name Date of Birth 1 74 ORACLE Once reviewed the verifier provides the review status and remarks You can perform a check on the customer record based on the KYC Review and SDN Review screens and choose the external KYC status and SDN status respectively based on the review Step 5 Underwriting In this stage the bank assesses the eligibility of the borrower for the requested loan offer based on the analysis of the borrower s financial ratios and credit scores The bank also obtains credit details from external agencies and field investigation agencies After ascertaining the eligibility of the customer the bank provides a facility offer to the borrower and generates payment schedule and schedule details The advices that are maintained for the stage are generated on completion of the stage In this stage the bank also conducts vehicle evaluation based on the details that have been captured at the Application Entry stage This evaluation can be done with details from an external agency in the collateral tab 1 18 16 Collateral Tab You can carry out the evaluation of vehicles in the collateral tab Here the details provided as part of the Application Entry stage are defaulted which you can modify The evalua
80. on screen Any advices maintained for this stage are generated after the completion of the stage Step 7 Document Verification In the Document Verification stage the documents captured in the previous stages are verified It is ensured that all documents in the checklist maintained are obtained from the customer In this stage the application and applicant information captured as part of the previous stages undergoes a final verification Corporate Loan Document Verification Stage Application Category ORG_COR_123 Lead Id Application Number CorporateLending4358 Product Code COR4 Enquiry ID User Reference ORLCOR41206800 Description Priority Low Application Branch ORL Status Check Documents Application Date 2012 03 08 BH Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation Comments Channel KYC Required External Credit Check Intermediary Group Auto Decision Required Required Applicant Details Local Branch ORL Short Name AXIS BANK Language ENG Customer No ORL005803 Customer Name Axis Bank Country IN Existing Customer National ID Nationality IN Category CORPORATE Group Code RMID Group Code RM Name Account Details Incorporation Business Description Account Branch ORL Date 1990 09 09 AccountClass ACCL6 Currency GBP Live the Way u Wish Account ORL0058031231 Capital 100 000 00 Net Worth 100 000 00 Country IN Documents Trade In KYC Review Custom
81. op right corner of the Application tool bar and clicking on the adjoining arrow button Underwriting Status By Month and Intermediary Report Underwriting Status By Month and Intermediary Report Branch ai Intermediary Code EH From Date To Date Report Format PrinterAt Client v Report Output Printer Specify the following details Intermediary Code Specify the code of the intermediary for which you wish to generate the report You can also select the ID from the adjoining option list The list contains all the valid intermediaries maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Intermediary Code Month for which report is being generated and the Period for which the report is generated ds ORACLE Body of the Report The following details are displayed in the
82. operator to be used to define the credit score calculation formula You can select or f Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select e gt lt gt gt lt AND or OR 1 6 3 Specifying Credit Grades You can maintain different credit grades based on the credit scores obtained Click Rating button in Rule Details screens to invoke the Rating screen where you can maintain these details Rating Rating 10710 L Sequence Number x You can specify the following details here Sequence Number The sequence number is automatically generated by the system Score Specify the score associated with a credit risk Grade Specify the credit grade based on the score obtained i ORACLE 1 6 4 Specifying Auto Decision You can maintain decisions based on the credit scores obtained to decide applicants eligibility for loan Click Auto Decision button in Rule Details screens to invoke the Auto Decision screen where you can maintain these details Auto Decision 10f Wl Serial Number Score Credit Decision RECOMMEND REJECT v Serial Number System generates the unique serial number for each auto decision status Score Specify the maximum credit score for the applicant based on the auto decision Credit Decision Specify the cr
83. ory to which the loan application belongs or select the application category from the option list provided Type Select the type of the loan from the following options available e Retail e Corporate 1 27 ORACLE Stage Select the stage of the loan origination process from the option list provided The various stages can be Application Entry Application Verification Underwriting Loan Approval etc Description Specify a suitable description for the loan origination stage Overrides Here you can capture the details of the conditions to be checked for generating override messages Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Error Code Specify the error code to be used to generate the override message or select the error code from the option list provided Error Parameter Specify the error parameter to be substituted in the override messages Elements Specify the data elements to be used to define the conditions for generating override messages or select the element from the option list provided Functions Select the mathematical function to be used to define the condition from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the conditions for generating override messages Operators Select the ma
84. pecified You can double click a desired record to view the detailed screen 1 23 ORACLE Maintaining Credit Ratios You can maintain the rules to calculate the credit ratios in Credit Ratio Maintenance screen You can invoke this screen by typing ORDRATMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Ratio Maintenance Save vil Hold Group Id Description Type Corporate v Ratio Id Description Formula Formula Maker Date Time Checker Date Time Mod No Record Status Authorization Status You can specify the following details in this screen Group ID Specify a unique identification code for the ratio group Description Specify a suitable description for the ratio group Type Select the type of the loan from the following options available e Retail e Corporate Ratio ID Specify a unique identification for the credit ratio being maintained Description Specify a suitable description for the credit ratio 1 24 ORACLE 1 8 1 Specifying Formula Details You can specify the formula to calculate the credit ratio by clicking the Formula button corresponding to a ratio ID The Formula screen is displayed where you can specify the condition for calculating the credit ratio associated with a ratio ID Formula Wizard Formula 10f1 Ratio Type Cond
85. porate Loan Underwriting Stage Save vil Hold Application Category CORP12 Lead d Application Number CorporateLending3722 Product Code LCL1 Enquiry ID User Reference 007LCL 108015002 Description Home Loans Priority Low Application Branch 007 Status Underwriting Application Date 2008 01 15 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan BMW Charges Investigation Comments Component Name Main Component Component Currency v Liquidation Mode Auto gt Liwaive v C verity Funds ES Schedule Details Start Date End Date x Amount EMI Amount Capitalized Waive CompoundDays CompoundMonths CompoundYears DaysinMonth Years KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields Prev Remarks Remarks Outcome MN The following details related to the schedule are displayed here e Component name e Schedule type e First due date e Number e Frequency e Unit e Amount For each component of the components listed the system calculates and displays the details like the Due Date Amount Due EMI Amount and Amortized Principal You can specify the following schedule related details Compound Days Specify the number of compound days 1 90 ORACLE Compound Months Specify the numb
86. r has been associated with any KYC Required Check this box to indicate that the customer verification is required for this applicant If you check this box the system will evaluate a business rule Based on that rule the system initiates internal KYC or External KYC or both during application entry and verification stage If you do not check this box the system then system skips the Internal KYC and External KYC stages after completing the application entry and verification stages Auto Decision Required Check this box to enable auto decision on loan application If you check this box based on the applicant credit score auto decision mapping maintained in Auto Decision screen the system decides whether to approve reject recommend approval or recommend rejection of the application External Credit Check Required Check this box to enable external credit bureau service for credit evaluation of the loan applicant If you check this box the system will automatically initiate external credit check The credit check initiation happens before underwriting stage Applicant Details Existing Customer Check this box to indicate if the customer applying for the loan is an existing customer of the bank Local Branch Specify the applicant s home branch Account branch Specify the applicant s account branch Customer No For existing customers you need to select the customer number from the option list provided 1 49 OR
87. report Field Name Field Description Branch This is the branch Product code This is the product code Application Number This is the loan application number Stage This is the stage at which the application lies Application Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Interest This is the rate of interest applicable Branch Total This indicates the branch total 2 6 Underwriting Status By Month and Underwriter Report This report lists application status by month and underwriter for loans You can invoke the Underwriting Status By Month and Underwriter Report screen by typing CLRPUNMU in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button E Underwriting Status By Month and Underwriter Report Underwriting Status By Month and Underwriter Report Branch User From Date To Date ReportFormat PDF v PrinterAt Client v Report Output Print v Printer Specify the following details d ORACLE 2 6 1 User Specify the ID of the user for which you wish to generate the report You can also select the ID from the adjoining option list The list contains all the valid use
88. rev Remarks Remarks Audit The approver can send the application back to the previous stage if the information provided is not adequate or choose to cancel it if the information captured is not satisfactory If the application details are verified successfully the approver can proceed with the processing of the application by selecting PROCEED as the Outcome The approver can select RETURN to return the process to previous stage for data correction or CANCEL to terminate the process On successful completion a message stating that the task is successfully completed gets displayed 1 95 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 checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and click the Workflow Ref No to open Corporate Loan Document Verificati
89. rs with underwriter role maintained in the system Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Underwriter Code Month for which report is being generated and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description Branch This is the branch Product code This is the product code Application Number This is the loan application number Stage This is the stage at which the application lies Application Date This is the date on which the application was made Contract Date This is the date of the contract Contract Currency This is the currency of the contract Contract Amount This is the total contract amount Contract Term This is the total term of the contract Contract Rate This is the rate of intere
90. rt Loan wis Loan Fie Prev Remarks Remarks Audit p duri PROCEED v The system calculates and displays the charge details associated with the loan The following details are displayed e Component Name e Component Currency e Effective Date Waive Check this box to waive the charges associated with the loan 1 93 ORACLE 1 18 24 Comments Tab In this tab you can capture the comments by the users Corporate Loan Underwriting Stage Save lt i Hold Application Category CORP 1 Lead Id Application Number CorporateLending4806 Product Code COP1 Enquiry ID 8 User Reference 001COP112312007 Description NormalBearing fe Priority Low v Application Branch 001 Status Underwriting Application Date 2012 11 07 Main Details Financials Requested Limits Collateral Credit Score Bureau Ratio Loan Component Charges Investigation IBN Comments 10f1 v Serial No Comments x Comment By Comment Date V c 31650A01 2012 11 07 KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields CELL Remarks Audit ungui PROCEED v You can capture the following details Serial No Specify the serial number of the comment Comments Specify comments if any to be associated with the loan application Comments B
91. s default score Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit score calculation formula Operators Select the mathematical operator to be used to define the credit score calculation formula You can select or f Logical Operators Select the logical operator to be used to define the credit score calculation formula You can select lt tem lt gt SE lt AND or OR Based on the formula and the loan application category the system automatically applies a price ID to the application You can apply a different price ID that matches the application only at the Underwriting Stage If you change a price ID selected by the system and reapply a different price ID the system changes the score of the pricing rule The score determines the price ID to be automatically applied 1 17 2 Maintaining Pricing Offer Click Pricing button to define the pricing rule for each price ID for the user to pick up the offer for the loan Offer Details 10f1 Sequence Number Score From Score Up To Rate No of Installments Frequency Units Monthly X You can specify the following details here 1 41 ORACLE Sequence Number System generates the sequence number
92. st applicable a ORACLE 2 7 2 7 1 Field Name Field Description Branch Total This indicates the branch total Underwriting Status By Month Report This report lists application status by the month for loans You can invoke the Underwriting Status By Month Report screen by typing CLRPUNMN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Underwriting Status By Month Report Underwriting Status By Month Report Branch From Date To Date Report Format Printer At Client v Report Output Printer Specify the following details Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch Intermediary Code Month for which report is being generated and the Period for which the report is generated
93. t Funded Contracts Report Credit Application By User Report Underwriting Status By Month and Intermediary Report Underwriting Status By Month and Underwriter Report Underwriting Status By Month Report To generate any of these reports choose Reports in the Application Browser Choose Corporate Lending under it A list of all the reports in Corporate Lending module will be displayed You can choose to view or print the report The selection options that you specified while generating the report a printed at the beginning of every report Prefunding Contract Report This report lists out all the applications verified for loans You can invoke the Prefunding Contract screen by typing CLRPPFCR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Prefunding Contract Prefunding Contracts Report Branch From Date To Date ReportFormat PDF wv PrinterAt Client v Report Output Print Printer 28 Specify the following details Branch Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system 2l ORACLE 2 2 1 From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click
94. tails You can enter the details requested by the prospect here Requested Currency Specify the loan currency preference of the customer or select the currency from the option list provided Requested Amount Specify the loan amount requested by the prospective customer Default Interest rate Specify the preferred interest rate of the prospective customer Tenor In Months Specify the preferred loan tenor in months of the prospective customer Loan Purpose Specify the purpose of the loan 1 11 ORACLE 1 4 1 Loan Tab You can maintain the offers for the customer in the loan tab Corporate Loan Simulation Details Save Enquiry ID c Application Category a3 Status Active v Branch Code Product Code az User Reference Enquiry Date Description e Default Customer Details Customer No 2 First Name Contact Number Last Name Email Requested Loan Details Requested Currency a Interest Rate Loan Purpose cl Requested Amount Tenor In Months 29 Loan Component Multiple Offers 10f E v Offer Id x No ofInstallments Frequency Unit Rate Rate Code Check Apply e rj 12 1 Monthly T s E J Loan Details Loan Branch Value Date B No ofInstallments 12 Loan Account Number Maturit
95. thematical operator to be used to define the conditions for generating override messages You can select or f Logical Operators Select the logical operator to be used to define the conditions for generating override messages You can select lt gt lt gt gt lt AND or OR 1 28 ORACLE 1 11 Viewing Override Summary You can view a summary of the overrides in Override Maintenance screen You can also query for a particular record based on desired search criteria You can invoke this screen by typing ORSOVDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Override Maintenance Authorization Status Process Code Records per page 15 wj Authorization Status ai Record Status x Application Category Advanced Search 1 Of 1 Record Status Process Code Application Category You can specify any of the following details to search for a record e Authorization Status e Record Status e Process Code e Application Category Click Search button to search for a record based on the search criteria specified You can double click a desired record to view the detailed screen 1 12 Maintaining Document Details You can maintain the list of documents that are required during the loan origination process in Documents Verify Mainten
96. ties associated with the customer Cash Flows You can capture the following details corresponding to the loan applicant s cash flows Operations Activities Specify the cash flow value associated with the operation activities of the corporate customer Investing Activities Specify the cash flow value associated with the investing activities of the corporate customer Loan Activities Specify the cash flow value associated with the loan activities of the corporate customer Credit Application The details associated with how the corporate customer has deployed his assets need to be captured as part of assessing the risk associated with the loan proposed You can capture the following details related to the credit application Borrower Profile Specify the details corresponding to the profile of the corporate customer s customer Financial Performance Specify the details corresponding to the financial performance of the corporate customer s customer Borrower Market Position Specify the details corresponding to the market position of the corporate customer s customer Risk and Mitigants Specify the details corresponding to the risk and mitigants associated with the corporate customer s customer Risk Department Mitigants Specify the inputs from risk department related to the risk mitigants associated with the corporate customer s customer Risk Department Assessment Specify the risk department s assess
97. tification Number Enter the unique identification number associated with the vehicle Year Specify the year of manufacture for the vehicle Make Specify the make of the vehicle Model Specify the vehicle model Body Specify the vehicle body details Usage Specify the mileage used by the vehicle till date You can retrieve vehicle details from an external agency either by specifying the identification number for the vehicle or all of the following fields e Year e Make e Model e Body e Usage Valuation Source Select the valuation source from the adjoining drop down list The options are e INTERNAL e NONE Select INTERNAL if you wish the evaluation to be done by interfacing with an external agency Status Select the status from the adjoining drop down list The options are e RECOMMENDED e NOT RECOMMENDED e COMPLETE e NODATA 1 76 ORACLE The evaluation will be done only if the valuation source is selected as INTERNAL and the status is RECOMMENDED For any other combination of values for the two fields the system will display an error message and will not proceed with the evaluation till the values are set as specified above After entering the required details select VERIFY as the Outcome and click Save If you have indicated that evaluation should be done you will not be allowed to select PROCEED or CANCEL as the Outcome till the verification has been success
98. tion can be done by interfacing with external agencies Corporate Loan Underwriting Stage Save vil Hold Application Category Lead Id Application Number Product Code Enquiry ID E User Reference Description Priority Low Y Application Branch 001 Status New Application Application Date 2012 11 07 E Main Details Financials Requested Limits BEE creait score Bureau Ratio Loan Component Charges Investigation Comments Collateral Details Start Date Haircut End Date Revaluation Date Collateral Category Revision Date Collateral Type Normal M Charge Type Linked Percentage Utilization Order s o Fiaba Commitment Product Linked Amount Revalue Collateral Collateral Branch Collateral Id Collateral Description Collateral Currency Collateral Value Market Value Based Vehicle Details Haircut Schedule E a Units Nominal Value i i it i i u Vehicle ID E Effective Date Haircut 96 Cap Amount Vehicle Number Guarantor Based Year Make Model Body m gt KYC Review Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Bureau Report Loan MIS Loan Fields Prev Remarks Remarks Audit Guarantor Id Rating In this screen capture the following details 1 75 ORACLE Vehicle Details You can modify the details of the vehicle which is to be evaluated in the fields listed below Iden
99. ts Branch Code From Date To Date Report Format PrinterAt Client v Report Output Printer Specify the following details Branch Code Specify the branch for which you wish to generate the report You can also select the branch from the adjoining option list The list contains all the valid branches maintained in the system From Date Specify from the adjoining calendar button the date from which you require details To Date Specify from the adjoining calendar button the date till which you require details Click OK button to generate the report Click Exit to return to the Reports Browser Contents of the Report The contents of the report are discussed under the following heads Header The Header carries the Report Name Run Date and Time Branch and the Period for which the report is generated Body of the Report The following details are displayed in the report Field Name Field Description on ORACLE 2 4 Field Name Field Description Branch This is the branch code Application Number This is the application number Stage This is the stage at which the application lies Application Date This is the date of application Currency This s the currency of the contract Product This indicates the product for the contract Value Date This indicates the value date of the contract Loan Amount
100. ts database In case of a bank initiated request the process moves forward only if the prospective customer is interested The entire process is carried out in multiple stages and on successful completion of each stage it moves automatically to the next stage When the customer approaches the bank for its products and offers before initiating the loan origination process the bank can create a mock proposal which would have the personal details of the customer the loan offers the customer is interested in as well as the schedules associated with the loan offer This can be stored as reference in the system to be retrieved when the actual loan process flow is initiated Corporate lending process flow uses Oracle BPEL framework with multiple human tasks for workflow stages The capture and enrichment of information in multiple steps can be dynamically assigned to different user roles so that multiple users can take part in the transaction Oracle Business rules are used for dynamic creation of multiple approval stages The following details need to be maintained for originating a Corporate Loan e Credit rating rules e Credit ratios e Override details e Document checklist and advices e Application category details The Corporate Loan origination process flow is composed of following stages e Application Entry e Application Verification e Internal KYC e External KYC e Underwriting e Loan Approval e Document Verification e Manual Retry Th
101. ure the financial details corresponding to the customer in this screen Corporate Loan Application Entry Save Jil Hold Application Category H Lead Id Application Number CorporateLending5705 Product Code H Enquiry ID H User Reference Description Priorit Low Application Branch 001 Application Date 2012 11 07 Status New Application Main Details IEE Requested Limits Collaterali Comments Assets Fixed Assets Intangible Assets Non Current Assets Current Assets Surplus Credit Balance in P Credit Application Borrower Profile Financial Performance Borrower Market Position Capital Issued Capital Paid up Capital Liabilities Term Liabilities Current Liabilities Risk and Mitigants Risk Department Mitigants Risk Department Assessment Reserves Subsidy from Government General Reserves Cash Flows Operations Activities Investing Activities Financing Activities Facilities Proposed Approved Facilities Recommended Terms and Conditions Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Prev Remarks GUEUC Audit You can capture the following details here e Assets Details e Capital details e Reserves Details e Surplus Details e Liabilities Details e Cash Flows e Credit Application 1 52 ORACLE Assets You can capture the following details corresponding to the l
102. will generate loan and schedule details You can enter the required details for the prospective customer in Corporate Loan Simulation Details screen You can invoke this screen by typing ORDCLSIM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ORACLE Corporate Loan Simulation Details Save Enquiry ID ce Application Category a3 Status Active r3 Branch Code Product Code EL User Reference Enquiry Date Description ie Default Customer Details Customer No EE First Name Contact Number Last Name Email Requested Loan Details Requested Currency E Interest Rate Loan Purpose e Requested Amount Tenor In Months 12 BI cone Multiple Offers 10f1 v Offer Id x No ofinstallments Frequency Unit Rate Rate Code Check Apply a y c 12 1 Monthy 2 F Loan Details Loan Branch Value Date e No of Installments 12 Loan Account Number Maturity Date E Frequency 1 Financing Currency Installment Start Date E Unit Monthly X Financing Amount Status Change Mode Auto v Effective Date User Defined Element Values 101 HIE 10f PSE Effective Date User Defined Elementid User Defined Element Value Rate Code Codeusage Resolvedvalue Maker Date
103. wing details here Risk ID Specify a unique identifier for the credit risk being maintained Description Specify a suitable description for the credit risk 1 19 ORACLE 1 6 2 1 Specifying Formula Details You can specify the formula to calculate the credit score by clicking the Formula button corresponding to a credit risk entry in Risk Factor tab The Formula screen is displayed where you can specify the condition for calculating the credit score associated with a risk condition Formula 10f1 Sequence Number x Condition Result Elements Index Functions Braces Dn nentnen You can specify the following details here Sequence Number The sequence number is automatically generated by the system Condition The condition specified using the Elements Functions Operators etc gets displayed here Result Specify the result to be associated with the condition specified Elements Specify the data elements to be used to define the formula for credit score calculation or select the element from the option list provided Functions Select the mathematical function to be used to define the formula from the drop down list provided Braces Select the opening or the closing brace from the drop down list provided to define the credit score calculation formula 1 20 ORACLE Operators Select the mathematical
104. y The system displays the commenter s ID Comment Date Specify the date on which the comment was given or select the date by clicking the Calendar icon If the underwriting stage is successfully completed the underwriter can proceed with the processing of the application by selecting PROCEED as the Outcome The underwriter can select REJECT to return the process to previous stage for data correction or CANCEL to terminate the process The underwriter can choose the outcome as VERIFY if the credit bureau or vehicle evaluator details are included On successful completion a message stating that the task is successfully completed gets displayed 1 94 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 checkbox against your Workflow Ref No and click Acquire button at the top of the screen to acquire the next stage of the task The following message gets displayed on successful acquisition of the task Acquire Successful Click Ok to proceed to the next stage To select the acquired task for the next stage select Acquired under Standard option in the Task menu All the tasks that have been successfully acquired are displayed in the right side of the screen Search for your workflow reference number and cl
105. y Date el Frequency 1 Financing Currency Installment Start Date E Unit Monthly T Financing Amount Status Change Mode Auto Effective Date User Defined Element Values 10f1 10f Effective Date User Defined Elementid User Defined Element Value Rate Code Codeusage Resolved value ELCs Checker Date Time Mod No Record Status Authorization Status Date Time Enter the following details here Offer ID Specify a unique identification for the loan offer being made to the customer No of Instalments Specify the number of instalments associated with the loan Units Select the units based on which the loan disbursement should be carried out The following options are available in the option list e Daily e Weekly e Monthly e Quarterly 1 12 ORACLE e Half Yearly e Yearly Frequency Specify the frequency at which the loan disbursement should be carried out Rate Specify the interest rate to be associated with the loan Rate Code Specify the rate code used to derive the interest rate or select the rate code from the option list provided Spread Specify the spread that is applicable for the loan being offered Effective Rate The effective rate of interest gets displayed here based on the interest and the spread specified Check Select the required offer by clicking the Check opt
106. y comments if any corresponding to the itemization 1 18 9 Comments Tab In this tab you can specify comments if any related to the loan application Corporate Loan Application Entry Save lt i Hold Application Category Product Code Description Application Branch 001 Application Date 2012 11 07 Main Details Financials Requested Limits Collateral Comments Comments 10f1 Serial No Comment By Lead Id Enquiry ID Application Number CorporateLending5705 p User Reference Priority Low Status New Application Comment Date 2012 11 07 Documents Trade In Customer Dedupe Loan Dedupe Customer MIS Customer Account MIS Customer Account Fields Vehicle Evaluator Audit Prev Remarks You can specify the following details here em ORACLE Sequence Number The sequence number is automatically generated by the system Comments Specify comments if any to be associated with the loan application Comment By System displays the name of the commenter Comment Date The system displays the date on which the comment was added 1 18 10 Capturing Document Details You can capture the customer related documents in central content management repository through the Documents screen Click Documents button to invoke this screen Documents

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