AUTO LOANS APPLICATION

TRANSACTION HOST INTEGRATION MATRIX

Legends

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No Host Interface Required.

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Pre integrated Host interface available.

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Pre integrated Host interface not available.

 

SR No

Transaction / Function Name

Oracle FLEXCUBE Core Banking 11.7.0.0.0

Oracle FLEXCUBE Universal Banking 12.4.0.0.0

Oracle Banking Platform 2.5.0.2

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Auto Loans Application

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Introduction

An auto or vehicle loan is a secured personal loan taken to purchase a new or used vehicle. In an auto loan, the vehicle being purchased is considered as the collateral on the loan.

Auto Loans Application Workflow

Auto Loans Workflow

Following are the steps involved as part of application submission:

The following sections will be displayed in the order as defined by the bank administrator in the workflow configuration screen:

You are here How to reach here:

Dashboard > Auto Loan

To apply for an loan:

  1. Select Auto Loans on the product showcase screen. The state of residence screen is displayed.

State of Residence

Field Name

Description

Please select your state of residence

Select State

You are required to select the state in which you reside.
  1. From the drop-down list, select the state of residence, and click Select. The Find and Finance Your Car screen is displayed.
  1. Click the option by which you wish to apply for the loan.
  2. If you have already decided on the car make and model, click the option Apply to be navigated to the application form.
  3. If you wish to search cars on the dealer page, click the Search Cars and Apply button. You will be navigated to the dealer page from where you can browse through various makes and models of cars before selecting a specific make and model for which to.

Note: The dealer page is just a reference page and the relevant integrations with the dealer portal will be required as part of implementation activity.

  1. Select the car brand / make of your choice to be navigated to a page with car models of the selected brand.

Dealer Page - Car Models

  1. Select the car model of your choice and you will then be navigated to the page with details of the vehicle i.e. estimated value, down payment required etc.

Field Name

Description

Estimated Value

Displays the estimated value of the car based on the make and model selected.

Down payment (approx.)

Specify the amount you are able and willing to pay upfront towards the purchase of the car.

By default the system displays an approximate amount.

Loan Amount (approx.)

Displays the approximate loan amount based on the difference between the estimated value of the car and the amount you have specified as down payment.

Loan Term

Specify the loan term in years and months.
  1. Click Apply Now. The Orientation screen is displayed containing details informing the applicant about the eligibility criteria to be met as well as the information required to complete an application form.
    OR
    Click Cancel if you do not wish to proceed with the loan application.

Orientation Page

  1. Click Continue as guest, if you are a new / unregistered user.
    OR
    Click any social media (LinkedIn / Facebook) icon to login through the specific social media profile.
    OR
    Click Login if you are a registered user.
    OR
    Click Cancel to abort the loan application process.
  2. The section defined as the first in the workflow configuration screen will be displayed.

Primary Information

In this section, you will be required to enter information such as first name, last name, date of birth, citizenship, and current military status.

Field Name

Description

First Name

Enter your first name.

Middle Name

Enter your middle name. This field is optional.

Last Name

Enter your last name.

Suffix

Select your suffix that is applicable to you. This field is optional.

Date of Birth

Specify your date of birth in MM/DDClosedDirect Debit/YYYY format.

The system validates your date of birth against your state of residence so as to identify whether you have attained age of majority as per your state specifications.

Citizenship

Select the country in which you hold citizenship.

Citizenship Status

Specify your citizenship status.

This will appear only if country of citizenship is other than United States.

Country of Residence

Specify your country of residence. This field will appear only if Country of Citizenship is other than 'United States'.

Active Duty Armed Forces Member / Dependent

Specify your current military status i.e. if you are an active duty armed forces member or dependent on of an active duty armed forces member or not.

SCRA Effective Date

SCRA stands for Service Member’s Civil Relief Act.

Enter the date on which you or the active duty service member that you are a dependent of is called to active duty. You will be required to specify this information if you have identified yourself as an active duty service member or a dependent of one.

SCRA Reference Number

Enter the SCRA reference number in this field. You will be required to specify this information if you have identified yourself as an active duty service member or a dependent of one.
  1. Click Continue . The next section is displayed.

Contact Information

In the contact information section enter contact details including your email address, phone numbers, and current residential address. Depending on your accommodation type, you might be required to enter information pertaining to the monthly amount spent towards rent or mortgage repayment.

You may be required to enter your mailing address in case your mailing address is different from that of your residential address.

You will be required to enter details of your previous residence if you have stayed at your current residence for less than the amount of time required.

Field Name

Description

Email

Email

Enter your Email ID.

Confirm Email

Re-enter your email address in order to confirm the same.

Primary Phone Number

Enter a phone number that is to be considered as primary for contact purposes.

Phone Type

Select the phone number type that you want to define as primary contact number.

The options are:

  • Work Mobile
  • Personal Mobile
  • Home Phone
  • Work Phone

Primary Phone Number

Enter a phone number that is to be considered as primary for contact purposes.

Alternate Phone Number

You can select Yes if you want to add an alternate phone number. It is not mandatory to add an alternate phone number.

Phone Type

The type of phone number defined as alternate.

This field appears if you select Yes in the Add an alternate phone number field.

Phone Number

Phone number corresponding to the selected alternate phone type.

This field is displayed if you select Yes in the Add an alternate phone number field.

Residential Address

Street Address

Enter your street address.

Apartment / Suite No.

Enter your apartment or suite number.

City

Enter the name of the city in which you reside.

State

The state in which you reside. The state that you selected upfront will be displayed in this field. You will not be able to change the state here.

Zip Code

Enter the zip code of your residence. You can enter the zip code in format zip+4 in addition to regular format.

Staying Since

Select the month and year since which you have been residing at the current address. If you select a duration that is less than the minimum amount of time required for you to have resided in the current residence, the system will display fields in which you can specify you previous residence address.

Accommodation Type

Select the type of accommodation. The values are:

  • Company Provided
  • Inherited
  • Leased
  • Owned
  • Parental
  • Rented
  • Others

Monthly Rent

The amount you spend towards monthly rent in US dollars.

You will be required to enter this amount only if you have selected the option Rented as Accommodation Type.

Do you pay mortgage?

Specify whether you pay mortgage on your owned home.

You will have to answer this question only if you have selected the option Owned as Accommodation Type.

Monthly Mortgage

The amount in US dollars that you spend towards monthly mortgage repayment.

You will be required to enter this amount only if you have stated that you do pay mortgage in the field Do you pay mortgage?.

Is your mailing address the same as your primary residence above?

Identify whether your mailing address is the same as your current residence. If you state that your mailing address is not the same as your primary residence, you will be required to enter your mailing address.

The following fields appear if you select the option No against the Is your mailing address the same as your primary residence above? field

Street Address

Enter the street address of your mailing address.

Apartment / Suite No.

Enter the apartment or suite number of your mailing address.

City

Enter the name of the city of your mailing address.

State

Identify the state of your mailing address.

Zip Code

Enter the zip code of your mailing address. You can enter the zip code in format zip+4 in addition to regular format.

Previous Residential Address

The following fields appear only if you have identified the number of years and months in the Staying Since field that falls short of the minimum amount of time required for you to have resided in the current residence.

Street Address

Enter street address of your previous residence.

Apartment / Suite No.

Enter the apartment or suite number of your previous residence.

City

Enter the name of the city in which you resided previously.

State

The state in which you resided previously. The state that you selected upfront will be displayed here by default and can be changed.

Zip Code

The zip code of your previous residence. You can enter the zip code in format zip+4 in addition to regular format.

Proof of Identity

In the proof of identity section enter your Social Security Number as well as identification details. Identification details will include type of identification, Identification number and other supporting information such as state of issue and expiration date.

Field Name

Description

Social Security Number

Enter your Social Security Number. Your Social Security Number is a 9 digit number issued by the U.S. government to U.S. citizens, permanent residents and temporary residents for taxation and other purposes.

Type of Identification

Select the identification that you want to provide as proof of identity.

The identification type could be:

  • State ID
  • Driving License
  • Matricula Consular Card
  • Passport

State of Issue

Enter the name of the state in which your identification document has been issued.

This field appears if you select Driving License in Type of Identification list.

Driver's License Number / Passport Number / ID Number

Enter your Identification number corresponding to the identification type. This field will be labeled 'Driver's License Number' if you select Driving License as Type of Identification and Passport Number if you select Passport as an identification type.

Expiration Date

Enter the date on which your identification document will expire. This date can be found printed on your identification document. For certain documents like driving license, expiration date is not applicable.

Issue Date

Enter the date on which the specific ID was issued.

This field is enabled if you select Passport from the Type of Identification list.
  1. Click Continue to save the identification information. The next section is displayed.

Employment Information

In this section enter details of your employment over a defined period starting with your current primary employment. Enter basic details of your employment such as employment type, subsequent status of employment, and if you are employed or self employed, the company / employer name. If the amount of time at which you have been employed in your current employment is less than the required amount, the system will display fields in which you can enter details of previous employment.

Field Name

Description

Primary Employment

Employment Type

The type of your current primary employment.

The types are:

  • Employed
  • Self Employed
  • Retired
  • Unemployed
  • Student

Employment Status

Select the status of your employment. The options in this field will depend on your selection as employment type.

If you have selected the option Employed or Self Employed the options will be:

  • Part Time
  • Full Time

Company Name or Employer

Specify the name of the company at which you are employed.

This field appears if you select Employed or Self Employed from the Employment Type list.

Time Employed

Select the time period i.e. the month and year since when you have been employed with the specified company or employer.

This field appears if you select Employed or Self Employed from the Employment Type list

Start Date

The date on which you started current employment.

Previous Employment

Following fields appear if the employment duration is less than the specified number of years

Employment Type

Select the employment type.

The types are:

  • Employed
  • Self Employed
  • Retired
  • Unemployed
  • Student

Employment Status

Select the status of your employment. The options in this field will depend on your selection as employment type.

If you have selected the option Employed or Self Employed the options will be:

  • Part Time
  • Full Time

Company Name or Employer

Name of the company at which you were employed.

This field appears if you select Employed or Self Employed from the Employment Type list.

Time Employed

Select the time period i.e the month and year since when you had been employed with the specified company or employer.

Income

In this section enter details of all income that you want to be considered. Hence, any income earned as alimony or child support need not be identified here if you do not wish for it to be considered. You can add multiple records of income up to a defined limit. Click the Add icon to add additional income records and the Deleteicon against a specific record to delete it.

Field Name

Description

Income Source

Identify the source of your primary income i.e. the means through which you earn regular income.

The examples of income source could be:

  • Salary
  • Rental Income
  • Pension
  • Social Security
  • Investment Income
  • Child Support
  • Damages for Injury / Disability
  • Alimony

Annual Income

The gross amount of annual income earned from the particular source.

Field Name

Description

Estimated Value

Specify the estimated value of the vehicle.

If you have applied from the dealer page by selecting the make and model, then the estimated value of the vehicle as displayed on the dealer page will be defaulted and available for edit

Down payment towards Vehicle Purchase

Specify whether you are going to make any down payment towards vehicle purchase.

Down payment Amount

Specify the amount that you wish to pay down payment towards purchase of the car. This field appears only if you have selected the option Yes against the field Down payment towards Vehicle Purchase.

If you have applied from the dealer page by selecting the make and model, then the down payment value if specified on the dealer page will be defaulted and available for edit.

Loan Amount

The loan amount (in US dollars) that you would need to borrow. This amount will be displayed based on the difference between the estimated value of the vehicle and the down payment amount.

Tenure

The tenure of the loan in terms of years and months.
  1. Enter the relevant loan requirement details such as estimated value, down payment amount, if you are making down payment, and loan tenure.
  2. Click Continue, The next section is displayed.

Vehicle Information

In the vehicle information section, enter vehicle details such as whether the vehicle is new or used, vehicle identification number, registration state, year of manufacturing, make, model, and mileage of the vehicle in case of used vehicle.

Field Name

Description

New or Used

Specify whether you are planning to purchase a new or used vehicle.

Vehicle Identification Number

Enter the vehicle identification number. The vehicle identification number (VIN) is a 17 character identifier unique to each vehicle. The Vehicle Identification Number can be found on the lower-left corner of the vehicle dashboard or on the instrument panel.

This field is optional if the vehicle being purchased is a new vehicle.

Registration State

Select the state in which the vehicle will be registered.

Year

Specify the year in which the vehicle was manufactured.

If the vehicle being purchased is a used vehicle, there will be an additional validation to ensure that the vehicle is not older than a certain age as defined by the bank. This age in years is displayed against the field name.

Make

Specify the vehicle manufacturer company name.

Model

Specify the vehicle model name.

The values in this field will be displayed based on the make selected. If you select Others, then there will be a field enabled to capture the model name.

Mileage

Enter the total distance covered by the vehicle in terms of miles.

This field appears only if you have selected Used option in the New or Used field.

The maximum mileage for which a loan can be provided will be defined by the bank and will be displayed against the field name.
  1. Click the Lookup Vehicle option displayed against the Vehicle Identification Number field after you have entered a value to have the system pre-populate the vehicle information.
    This option is available only if you have selected option Used in the New or Used field.
  2. Vehicle information (year, make, model, and mileage) is fetched and displayed in each respective field.
  3. Click Continue to proceed with the loan application process. The Review and Submit screen appears.

Review and Submit

The review and submit page consists of the following two sub sections:

The following are the different sections of Application Verification sub section.

Disclosures and Consents

Field Name

Description

ESIGN Disclosure

I have reviewed and consent to the ESIGN Disclosure

Select this check box to provide consent to the ESIGN Disclosure.

Wireless Policy

Field Name

Description

Wireless Policy

I agree to receive communications via phone and text

Select this check box to provide consent to receive communications via phone and text messages.

Privacy Policy

Field Name

Description

Privacy Policy

I confirm that I have read the above disclosures

Select this check box to provide consent about the privacy policy.

Loan Agreement

Field Name

Description

Loan Agreement

I confirm that I have read the above disclosure and agree to be bound by the terms of the agreement

Select this check box to provide consent to the loan agreement.

Equal Credit Opportunity Act / Additional Disclosure

Field Name

Description

Additional Disclosures

I accept all the statements defined above

Select this check box to agree with the equal credit opportunity act and additional disclosures.
  1. Click Edit against any section heading to edit the details of that section.
  2. Once the details are edited click Continue.
  3. Once you have verified all the information and have provided consent to all the disclosures click Submit. The screen confirming application submission will be displayed which will contain the application reference number, and any additional steps that might need to be undertaken by you or the bank.

Submitted Application Confirmation

The confirmation page is displayed once you have submitted your application. This page displays the current status of your application along with details of any further steps that might be required to be taken. The application reference number, by which you can track the status of your application, is also displayed on this page. Additionally, the options to register (if you are a new customer and have not yet registered with the bank) and to track the application are also provided on this page.

  1. If you are not a registered channel user and if registration is not mandatory, the option to register for channel access will be available on this page . Click Register.
    OR
    Click Go to Homepage to navigate to the application dashboard screen.
  2. Click Track your Application. The application dashboard screen is displayed.

Register User

Registration might be mandatory or optional. In case registration is mandatory and you have not yet registered at the time of submitting the application, you will be required to mandatorily register before the application can be submitted. In this case, when you select the option to submit the application on the Review & Submit page, the registration page will be opened. Once you have registered, you will be able to proceed with application submission.

In case registration is not mandatory and you have not yet registered at the time of submission, the option to register yourself for channel access will be provided on the confirm screen. Clicking on the link will open the Registration page.

Register User

Field Name

Description

Define Login Credentials

Email

Enter the email ID with which you would like to register.

Confirm Email

To confirm the email ID re-enter the email ID entered in the Email field.

Verify

Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field.

Password

Enter a password to be used for the purpose of registration. You will be required to enter this password when you log-in to the system in the future.

Confirm Password

To confirm the password re-enter the password entered in the Password field.

Set Security Questions

Skip set up of security questions?

Through this option, you can opt to skip setting up security questions at the time or registration.

The options are:

  • Yes
  • No

By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden.

Security Question

Select a question to be assigned as a security question.

The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.

Answer

Specify an answer for the selected security question.

The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

Terms and Conditions

I have read, fully understood and agreed with the terms and conditions

Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access.

Terms and Conditions Link

Click this link to view the terms and conditions.

To register:

Verify

Field Name

Description

Verification Code

Enter the security code sent to the email ID you have defined in the registration screen.

Cancel Application

The option to cancel the application is provided throughout the application and you can opt to cancel the application at any step.

To cancel an application:

Cancel Application

Field Name

Description

Reason for Cancelling

Indicate the reason for which you are cancelling the application. This is an optional step.

The cancellation reason could be:

  • Difficulty in completing the form
  • Insufficient time
  • Need more product details
  • Incorrect product selection
  • Others

Please Specify

This field is displayed if you have selected the option Others as Reason for Cancelling

Enter the reason for which you are cancelling the application in this field.

Save for Later

There will be two scenarios in this case

To save an application:

Save and Complete Later

Field Name

Description

Email

Enter the email ID with which you would like to register.

Confirm Email

To confirm the email ID re-enter the email ID entered in the Email field.

Verify

Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field.

Refer the Verify sub section under section Register User for further information on verification.

Password

Enter a password to be used for the purpose of registration. You will be required to enter this password when you login to the system in the future.

Confirm Password

To confirm the password re-enter the password entered in the Password field.

Set Security Questions

Skip set up of security questions?

Through this option, you can opt to skip setting up security questions at the time or registration.

The options are:

  • Yes
  • No

By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden.

Security Question

Select a question to be assigned as a security question.

The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.

Answer

Specify an answer for the selected security question.

The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

Terms and Conditions

I have read, fully understood and agreed with the terms and conditions

Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access.

Terms and Conditions Link

Click this link to view the terms and conditions.

The following steps are applicable for cases wherein the applicant is not a registered user.

Existing Customer Application

This section describes how an existing customer can apply for an auto loan.

If you are an existing customer of the bank, you can select the Login option on the Orientation screen (section 2.2). The screen on which you are prompted to enter your login credentials is displayed. Once you have entered and submitted your login credentials, the application form is displayed with all your personal information pre-populated in the respective sections. You are, hence, required to enter information in only the loan requirements and account information sections which are displayed first in the application form.

The pre-populated sections in which you are required to enter or update certain information are highlighted so that you are made aware about any further information that needs to be furnished. Before submitting the application, you will be required to review the information being submitted as part of the application form as well as provide consent to the various disclosures and notices that impact the loan. Once you submit the application, a confirmation page will be displayed which will display the current status of the application form as well as a reference number by which you can track your application in the application tracker.

Application Tracker

The Application Tracker enables you to view the progress of submitted applications and also to retrieve and complete applications that have been saved. Through the application tracker you can perform the following actions:

To track an application:

Submitted Application

Field Name

Description

Loan Product Name

The name of the product for which the application has been made.

Loan Amount

The loan amount for which the application has been made.

Application ID

The application reference number as generated by the bank at the time the application was submitted.

Applicant Name

The name of the loan applicant.

Submitted On

The date on which the application was submitted.

Status

The current status of the application.

Field Name

Description

Application Summary

Loan Product Name

The name of the product for which the application has been made.

Application ID

The application reference number as generated by the bank at the time the application was submitted.

Applicant Name

The name of the applicant.

Submitted On

The date on which the application was submitted.

Status

The current status of the application.

Requested Amount

The requested loan amount.

Tenure

The tenure of the loan in terms of years and months as defined in the application.

Document Upload

Document upload enables you to upload the documents that are required for the processing of the application. You can upload multiple documents against a document type.

To upload / remove a document:

Field Name

Description

Choose File

On selecting this link, the browse option is opened, by which you can select the required document to upload.

Accept / Reject OfferClosedOffers are different variants of a product offered to the customer. Usually, the behavioral characteristics of the product remain the same, while the marketing attributes differ among offers.

Once the required documents are uploaded, an offer is generated and made available in the tracker to view, download, and to provide acceptance / rejection.

To accept / reject an offer:

Field Name

Description

Letter of Offer

Displays the generated offer letter.

Offer Letter Acceptance

In order to accept the loan offer, you will be required to accept the terms and conditions of the loan. Select the check boxes to accept the specific terms and conditions defined.

Accept/Reject Offer

Select the appropriate option in order to accept or reject the offer. In order to accept the offer, select the Yes button. In order to reject the offer, select the No button.

FAQs

ClosedWhy do I have to select my state of residence when I select the Auto Loan product on the product showcase?

Since banking rules and regulations that impact the bank’s product offers vary from state to state in the US, it is imperative that when choosing a product for which to apply, you specify your state of residence. This way, only those products that are available for your state are displayed. Hence, the facility to select state of residence on selection of auto loan product group in product showcase has been added.

ClosedIf I am an existing customer, do I still have to specify my state of residence on selecting a product?

No, if an existing customer has logged in and is then selecting a product, the system will automatically display only those products that are enabled for the customer’s state of residence.

ClosedCan I apply for an auto loan if I am not a citizen of the United States?

As per US law, US citizens and resident aliens can apply for banking products online. Hence, if you are not a citizen of the United States but are a permanent resident of the United States and have a Social Security Number you can apply for a loan online. However, if you are not a United States citizen and are not a permanent resident either, you cannot apply for a loan online.

ClosedI am 18 years old and currently residing in Alabama where the age of majority is 19 years. Can I apply for an auto loan online?

No, you need to be a legal major in the state in which you reside in order to be eligible to apply for an auto loan online.

ClosedWhy am I not required to enter information such as gender, marital status etcetc. as part of primary information?

Financial institutions in the US are governed by strict laws one of them being the Equal Credit Opportunity Act (ECOA) which dictates that it is unlawful for any creditor to discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status or age (as long as the applicant is a legal major). Hence, information such as the applicant’s gender, number of dependents, marital status, etcetc. are not captured in the loan application.

ClosedAre there any types of vehicles that the bank will not finance?

Yes the following vehicles are not eligible for financing:

ClosedWhy do I have to provide my Social Security Number (SSNClosedSocial Security Number) in the application? How does the bank ensure that my information is safe?

Your Social Security Number is required as it is part of the information we use to verify your identity and is also used by our third party credit reporting agencies to identify your credit worthiness. Your Social Security Number is masked as soon as you enter it so as to eliminate the risk of shoulder surfing security threat.

ClosedWhy do you require the expiry date of my identity proof?

We ask for the expiry date of your identity proof to ensure that you are providing us with a valid proof of identity, one that is currently not expired.

ClosedCan I provide my post office box number as residential address?

No, we require the address at which you currently reside and if required the address at which you resided previously.

ClosedI have my entire zip code i.e. in zip+4 format. Can I provide my entire zip code?

Yes, the application accepts regular zip format as well as zip+4 format.

ClosedDo I need to include the income I get as alimony in the income section of the application?

No, you do not have to include income from alimony, child support or any separate maintenance income if you do not wish for it to be considered as a basis for loan repayment.

ClosedWhy do I have to give my consent to all the disclosures displayed under the Review & Submit section?

As per US law, all customers of the bank are to be made aware of all the disclosures and notices impacting them. Hence, we require your consent to all these disclosures and also provide links for you to view the details of each disclosure.

ClosedI am an existing customer of the bank but do not have channel access, how can I proceed?

You can register yourself as a channel user through the ‘Register’ option available on the portal page and provide the required details.

ClosedCan I proceed with the application if I am not an existing channel user?

Yes, you can continue filling in the application details as a guest user and need not necessarily login.

ClosedWhy am I asked to capture previous residential address details?

The bank has a resident stability policy in place wherein if the applicant is staying at the current address for less than a defined term then he/she needs to define the previous residential address.

Closed Why am I being asked to capture previous employment details?

The bank has an employment stability policy in place wherein if the applicant has not completed a defined term in the current organization then he/she needs to define previous employment details.

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