Preface

Introduction

This manual is designed to help acquaint you with the Loans Module of Oracle Lending.

It provides an overview of the module and guides you, through the various steps involved in granting loans to the customers of your bank.

In addition to this User Manual, you can find answers to specific features and procedures, in the Online Help. It can be invoked by choosing Help Contents from the Help Menu of the software. You can further obtain information about to a particular field by placing the cursor on the relevant field and pressing the <F1> key on the keyboard.

Parent topic: Preface

Audience

This manual is intended for the following User/User Roles

Table -1 Audience

Role	Function
Back office clerk	Input functions for contracts
Back office managers/officers	Authorization functions
Product Managers	Product definition and authorization
End of day operators	Processing during end of day/ beginning of day
Financial Controller / Product Managers	Generation of reports

Parent topic: Preface

Conventions

The following text conventions are used in this document:

Table -2 Conventions and Meaning

Convention	Meaning
boldface	Boldface type indicates graphical user interface elements associated with an action, or terms defined in text or the glossary.
italic	Italic type indicates book titles, emphasis, or placeholder variables for which you supply particular values.
`monospace`	Monospace type indicates commands within a paragraph, URLs, code in examples, text that appears on the screen, or text that you enter.

Parent topic: Preface

List Of Topics

This manual is organized into the following topics:

Table -3 List Of Topics

Topics	Description and Cross References
Preface	This gives information on the intended audience. It also lists the various chapters covered in this User Manual.
Loans - An Overview	This is a snapshot of the features that the module provides. The topics which are part of Loans - An Overview are: Introduction
Maintaining Details Specific to SLT	This topic explains the maintenance you have to carry out for a diary event. The topics which are part of Maintaining Details Specific to SLT are: User Groups Maintenance Maintaining Diary Events Maintaining Message Types for a Module Associating Message Types to Events for a Module Maintaining Market Price Details Free Format Messages for Loan Contracts
Defining Attributes Specific to Loan	This topic talks about defining the attributes specific to setting up a loans product. The topics which are part of Defining Attributes Specific to Loan are: Introduction Setting Product Preferences Financial Operations Tax Maintenance Maintaining Slab/Tier Based Spread on Loan Outstanding Specifying the Logic for Currency Rounding Applying Tax on Liquidated Principal Classification of General Ledgers based on Transaction Codes Pool Fund Maintenance Screen Identifying a Component as a Refinance component 1098 Parameters Maintenance Maintaining positive and negative threshold residual limit amount Currency Days Maintenance
Disbursing a Loan	This topic deals with the procedure involved in entering the details of a loan. The topics which are part of Disbursing a Loan are: Introduction Loan Disbursement Details Preferences for a Loan Linking a Loan to Commitments Levying Transaction Charges on a Loan Posting the Manual Journal Entries Uploading Loan Contracts through OL Upload Screen Error Log Details Viewing Event Details Levying Tax on a Loan Contract Specifying the Interest Details Maintaining Transaction-specific MIS Refinancing Rates Maintaining Overwrite Settlement Details Viewing Effective Rate (ER) of Interest for a Loan Interest Rates History Repayment Details Changing the Status of a Loan Maintaining Status Code Enquiry for Interest and Principal Projections Viewing the Settlement Details during Contract Authorization Viewing the Different Versions of a Loan Viewing the Accrual Fee Details for a Loan Viewing Entity Details Viewing the Effective Interest Details for a loan Specifying the Installment Preferences for a Loan Capturing customer relationships for every loan Specifying the Special Penalty Components Maintaining Floor and Ceiling Initial Details Booking Re-Price Transactions Consolidating Re-Price Transactions Maintaining Loan Loss Reserve Amending the Exchange Rate Classifying LC Sublimit Maintaining Special Penalty Component Waiver Details Viewing the Waiver Details of Special Penalty Components Maintaining Floor and Ceiling Details Specifying the Disclosure Schedule Details Viewing the Contract Disclosure Schedule Status Details Viewing Summary Details of a Loan Dual Authorization Multi-level Authorization Simulating Loans
Processing Upfront Fee Accruals	This topic talks about accruing upfront fee components at the time of booking the contract. The topics which are part of Processing Upfront Fee Accruals are: Introduction Applying a Fee FASB Fees Amortization Using Straight Line Method Liquidating Fee Components Transferring Memo Interest to FAS91 Fee
Defining Discount Accrual Fee Classes	This topic explains the process of discount accrual for loans. The topics which are part of Defining Discount Accrual Fee Classes are: Introduction Defining a Discount Accrual Fee class Events and Accounting Entries for Discount Accrual Specifying Status Change Details for Discount Accrual Processing for Internal Rate of Return Calculation
Processing Repayments	This topic discusses the setting up of repayment schedules for the loans that are disbursed. The topics which are part of Processing Repayments are: Introduction Defining Schedules for a Product Setting Product Schedule Preferences Defining Repayment Schedules Pay Receivable Upload Principal Schedule Upload Setting Loan Schedule Preferences Specifying the Preferences of the Contract Revision and Repayment Schedules Making Manual Payments Simulating Payments Processing a Loan Payment when Contra Accounting is Applicable
Rolling over a loan	It is the procedure of rolling over loans that have matured. The topics which are part of Rolling over a loan are: Rolling-over a Loan Features of the Product Roll-over Details Screen Specifying Contract Roll-Over Details Specifying Details for Normal Rollover Specifying Details for Rollover Split Specifying Details for Rollover Consolidation Advices for a Rolled-Over Loan Authorizing a Manual Roll-Over
Making Additional Disbursements and Rate Changes	This topic deals with the additional details and changes that you can effect on a loan. The topics which are part of Making Additional Disbursements and Rate Changes are: Introduction Navigating to different tabs in Value Dated Amendment screen Simulating VAMI Tracking Payables and Receivables
Automatic Processing	This topic explains the processes that automatically run periodic activities. The topics which are part of Automatic Processing are: Automatic Events in the Life Cycle of a Loan Specifying Branch Parameters Initiating the Automatic Contract Update Function Processing Auto Capitalization of Interest Initiating a Future Value Dated Contract Processing an Automatic Repayment Generation of Billing Advices and Delinquency Notices Automatic Rollover of a Loan Advices to be Generated for a Status Change Accrual of ICCF Components Interest Rate Revision on a Loan Value Dated Changes Viewing Unauthorized Transactions End of Day Operations
Processing a Commitment	This topic deals with the setting up of loan commitments and linking of a commitment to a loan. The topics which are part of Processing a Commitment are: Introduction Defining a Commitment Product Initiating a Commitment Linking a Loan to a Commitment Viewing Billing Notice History Maintaining Slab/ Tier Based Fee for Commitment Viewing Quick Query Details of Loans Viewing Quick Query Details of Commitments Revaluation of Commitment
Annual Rest Loans	This topic deals with the processing of Annual Rest Loans. The topics which are part of Annual Rest Loans are: Introduction
Jobs and EOD Batches	This topic explains jobs and EOD batch operations for OL module.
Appendix A - Customer Correspondence	This topic explains the types of advices and notices generated at each stage, in the life cycle of a loan.
Appendix B - Accounting Entries, Advices and Error Codes	This topic contains a list of suggested accounting entries, advices and error codes that could be encountered for the loans module. The topics which are part of Appendix B - Accounting Entries, Advices and Error Codes are: Accounting Entries for Loans Loans Events Amount tags Accounting Roles Event-wise Accounting Entries and Advices Accounting Entries for Contract Adjustment Payable Receivable Liquidation Accounting for Discounted Loans Accounting Entries for Non-Performing Loans Accounting Entries for Reserved and Non-reserved Loans Accounting Entries for Cost of Credit Valuation Accounting Entries for LC Sublimit Re-classification Accounting Entries for Rollover Contingent Error Codes Examples of Calculating TEAC
Appendix C – Unexpected Recovery	This topic gives step-by-step instructions that you will need to follow to facilitate the system to recognize unexpected recoveries.
Function ID Glossary	It has alphabetical listing of Function/Screen ID's used in the module with page references for quick navigation.