This chapter discusses the integrated credit desktop of Oracle FLEXCUBE. The credit desktop provides access to all credit related information from a single screen.
Credit desktop enables the credit officers and relationship managers perform the following tasks:
You can access credit desktop if the user role assigned to your user ID has sufficient access permissions.
To invoke the credit desktop, type ‘GEDSKTOP’ at the top right corner of the application toolbar and click the adjoining arrow button.
The credit desktop has three sections, namely, header, body and footer.
In the header section of the screen, you will see a set of filter criteria to search the credit details. If you are a relationship manager, then the system will filter and display the records that are linked to your RM ID.
You can search for the credit details of the customers using one or more of the following parameters:
RM
If you are a relationship manager, then the system displays your RM ID in this field. When you invoke the credit desktop, the system displays the records of customers for whom you are the relationship manager.
You cannot modify the information on this field. However, you can still apply filters such as Liability ID, Facility ID and Customer ID to narrow down your results. The option lists of all these fields will display only those records that are associated with your RM ID.
Cust ID
Select a customer ID from the option list, based on which you need to filter the search results.The option list displays all customer IDs maintained in the system.
Cust Name
Select the name of the customer from the option list, based on which you need to filter the search results. The option list displays all valid customer names associated with the selected customer ID.
Unique Identifier
Specify the unique identifier, based on which you need to filter the search results. The option list displays all valid unique identifier names maintained in the system. Select the appropriate one.
Unique Identifier Value
Specify the value of the unique identifier, based on which you need to filter the search results. This is mandatory if you have specified a unique identifier in the above field.
If you have specified a customer ID, the system will validate the unique identifier value against the customer ID.
Liab No
Select the liability number, based on which you need to filter the search results.
Line Code
Specify the line code, based on which you need to filter the search results. The option list displays all valid line codes that you can access. Select the appropriate one.
Collateral Code
Specify the collateral code, based on which you need to filter the search results. The option list displays all valid collateral codes that you can access. Select the appropriate one.
Exposure Type
Specify the exposure type, based on which you need to filter the search results.
Exposure ID
Specify the exposure ID, based on which you need to filter the search results.
The option list displays all valid exposure IDs associated with the exposure type selected above.
You can also use the ‘Advanced Search’ button to do an advanced search for the exposure ID. When you click the ‘Advanced Search’ button, the system displays a new window, where you can define the parameters for search. Execute the search and select an appropriate exposure ID from the results.
Overdrawn Lines
Select this check box to display records of overdrawn lines only.
Note
Filter based on overdrawn lines is available only in Oracle FLEXCUBE Universal Banking- ELCM integrated environment. This is not available in standalone ELCM.
Expiry Date Between
You can view the records whose expiry date falls in a certain date range. Specify the start date and end date of the date range in the fields provided. In the search results, you can see the records whose expiry date is within the start date and end date specified here.
Once you have captured the above details, click ‘Apply’ button to view the results.
You can click ‘Refresh’ button to view all the updated details. You can also print or export the report in different formats.
In this screen, you can view the following details:
The results of the search under various columns
The system displays the following details of all records that match the filter criteria:
Whether to delete the line or not
While viewing the results, you can also use the ‘Action’ button to invoke a text capture window where important information about the credits can be recorded.
Enter the description and click ‘Execute’. You will see the result window.
You can also create a manual review task through the workflow process.
Under ‘Additional Information’ section, you can view the following details:
Under ‘Comments’ tab, you can view the captured comments. Following fields are available in this screen.
Sr No.
The system displays the serial number of the comment.
Input Date
The system displays date on which the comment was added.
Input by
The system displays the user ID of the user who added the comments.
Comments
The system displays the comments added.
In the Credit Desktop, below the results of your search, you can find a drop-down field by name ‘Report Types’. You can select various report types from this drop-down list to access additional credit information and tabs.
In ‘Report Type’ field, if you select ‘Limit and Collateral Details’, the system displays this tab. This contains the limits and collateral details linked to the line/liability ID.
From this tab, you can initiate collateral revaluation and see the collateral trend. You can also perform a what if analysis from this tab.
While doing what if analysis, you can edit the report and click ‘Apply’ button to apply the changes.
In 'Report Type' field, select 'Linked Contracts' to view the contracts linked to a particular line/customer.
In ‘Report Type’ field, select ‘Utilization Transaction’ to view transaction details of any OD account linked to the line. If the number of transactions is more than 50, then the system prompts you to define a date range criteria.
Note
‘Utilization Contract’ is disabled in standalone ELCM system.
In ‘Report Type’ field, select ‘Exposure Analysis’ to view the data and graph of bank/branch wise exposure based on a selected criteria.
In ‘Report Type’ field, select ‘Revised Headroom’ to view the future dated headrooms available to the customer. This depends on the expiry of the limit.
In ‘Report Type’ field, select ‘Exceptions and Warnings’ to view the list of exceptions and warnings in a separate window. These exceptions and warnings are the alerts generated for the rules maintained in the system with channel ‘Credit Desktop’. Click and select a liability ID in Liability Details to view the alert codes and alert messages.
In ‘Report Type’ field, select ‘Exposure Linked’ to view the exposures linked to a selected customer.