10 Draft Generation

In this stage, the bank user can generate a sanction letter and capture the party's communication address to send the sanction letter.

The following table provides high level overview about the Draft Generation stage.

Table 10-1 Draft Generation stage

Information available for user Activities that can be performed by user
  • View the party summary
    • Liabilities requested, proposed, and approved
    • Facilities requested, proposed, and approved
    • Collateral Offered
    • Covenants stipulated
    • T&C stipulated
    • Financials
    • Rating
    • Demographic details
  • View the credit evaluation scores and details
  • View the legal evaluation score and details
  • View the risk evaluation score and details
  • View comments added in previous stages
  • Generate draft proposal document

Prerequisites

Before initiating the credit process, the following actions must be performed:
  • Upload report template for draft generation in XSL format by navigating to Core Maintenance > Report Maintenance > Report Template > Upload Report Template
  • Link the maintained report template as Advices in the Business Process Maintenance for the required process
Steps to generate draft

To generate draft for the proposal, perform the following steps:

  1. In OBCFPM, navigate to Tasks > Free Tasks.
    The Free Tasks page is displayed.

    Figure 10-1 Free Tasks


    Description of Figure 10-1 follows
    Description of "Figure 10-1 Free Tasks"

  2. Acquire & Edit the required draft generation task. The Credit Origination - Draft Generation page summarizing the proposal is displayed.
  3. To view the sector and industry information, click Industry icon in Party Information section.
    The Industry Details window is displayed.

    Figure 10-6 Industry Details


    Description of Figure 10-6 follows
    Description of "Figure 10-6 Industry Details "

  4. Click Close, to exit the Industry Details window.
  5. To view the overview of the party, click Entity Overview icon in Party Information section.
    The Entity Overview window is displayed.

    Figure 10-7 Entity Overview


    Description of Figure 10-7 follows
    Description of "Figure 10-7 Entity Overview"

  6. Click Allowed Customers For This Liability icon in the Party Information section, to view party's linked to the liability information.

    The Allowed Customers For This Liability window appears.

    Figure 10-8 Allowed Customers For This Liability


    Description of Figure 10-8 follows
    Description of "Figure 10-8 Allowed Customers For This Liability"

    Figure 10-9 Allowed Customers For This Liability


    Description of Figure 10-9 follows
    Description of "Figure 10-9 Allowed Customers For This Liability"

  7. Click Close, if you want to exit the Allowed Customers for this liability window.
  8. Click Linked to other liabilities icon in the Party Information section, to view other liabilities linked to the party information.
    The Linked to other liabilities window is displayed. If other liabilities are linked, the list of other liabilities details linked to the party window is displayed.

    Figure 10-10 Linked to other liabilities


    Description of Figure 10-10 follows
    Description of "Figure 10-10 Linked to other liabilities"

    Figure 10-11 Linked to other liabilities


    Description of Figure 10-11 follows
    Description of "Figure 10-11 Linked to other liabilities"

  9. Click Close, if you want to exit the Linked to other liabilities window.
  10. To change the layout of the Entity Overview, click Layout icon at the top right corner.
    The Layout window is displayed.

    Figure 10-12 Layout


    Description of Figure 10-12 follows
    Description of "Figure 10-12 Layout"

  11. Select the required layout. Entity Overview is changed to the selected layout as shown below.

    Figure 10-13 Entity Overview


    Description of Figure 10-13 follows
    Description of "Figure 10-13 Entity Overview"

    For field level information on Entity Overview screen refer the table below.

    Table 10-2 Entity Overview

    Fields/ Icons Description
    Close To exit Entity Overview window, click Close.

    In Party Information section, the count of Share Holders, Contractors, Guarantors, and Bankers is displayed.

    Count Numbers To view the detailed information about the Share Holders, Contractors, Guarantors, and Bankers, click the respective count numbers.
    Layout icon To change the layout of Facility Summary, Collateral Summary, Existing Facilities held with Other Bank, Pricing, Covenants, and Conditions in Summary page, click Layout icon and select the required layout.

    By default, Financial Profile of the party and financial Projections for the party are listed for 3 years.

    Financial Profile To view Financial Profile and Projections for five years, select Previous 5 years option from the Show results for drop-down list.
    Projection To view detailed information about Financial Profile and Projection, click View all in the respective sections.
  12. After reviewing the Summary, click Next.
    The Draft Generation window is displayed.

    Figure 10-14 Draft Generation


    Description of Figure 10-14 follows
    Description of "Figure 10-14 Draft Generation"

    For field level information on Draft Generation screen refer the below table.

    Table 10-3 Draft Generation

    Fields/ Icons Description
    View Document Click View Document, to view the generated draft document.
    Download Document Click Download Document, to download the generated draft document.
  13. After generating proposal draft, click Next.
    The Comments page is displayed.

    Figure 10-15 Comments


    Description of Figure 10-15 follows
    Description of "Figure 10-15 Comments"

    Post comments, if any. The posted comment is displayed below the Comments box section.

  14. Click Submit. The Policy Exceptions window is displayed.

    Figure 10-16 Policy Exceptions


    Description of Figure 10-16 follows
    Description of "Figure 10-16 Policy Exceptions"

    By default, Policy Exceptions are displayed for both the party and its child party.

    To view the policy exception detail specific to party or child party, select the party from the drop-down list at top left corner.

  15. Click the Business data segment.
  16. Click the Checklist data segment.

    Figure 10-18 Checklist


    Description of Figure 10-18 follows
    Description of "Figure 10-18 Checklist"

    For field level information on Checklist screen refer the table below.

    Table 10-4 Checklist

    Fields/ Icons Description
    Outcome Select Outcome as Proceed, if additional information is not required. Else, select Outcome as Additional Info.
    Submit Click Submit. The draft proposal is sent to the mentioned Email ID.
    • If the party accepts the draft proposal, the proposal is sent to Limit Configuration stage.
    • If the party rejects the draft proposal, the proposal is sent to Proposal Restructuring stage.

      Note:

      For information on Write up data segment, refer Write Up section.