4 Proposal Enrichment

In this stage, the member of the operations/credit team enriches the application by capturing detailed information about the party (the party hierarchy, funding requirement, collateral offered and the other business related information) required to evaluate the credit worthiness, risk profiling and legal fitness.

The following table provides high level overview about the Proposal Enrichment stage.

Information available for user Activities that can be performed by user
  • View initiation summary
  • View the group structure
  • View rating
  • View GroupWise exposure
  • View connected party list
  • View other bank facility details
  • View liability proposed and expiry dates
  • View facility proposed and expiry dates
  • View collateral offered
  • View write up submitted as part of initiation
  • View the comments submitted as part of initiation
  • Party Information
    • Modify Group structure
    • Add new companies
    • Capture shareholder details
    • Capture management team details
    • Capture auditor details
    • Capture directors details
    • Capture party and supplier details
  • Financial details
    • Upload financial documents, Input key ratios, Capture projections
  • Capture party level covenants and T&C
  • Edit the liability or facility details if required
  • Edit & Enrich the collateral details required
  • Capture write up
  • Upload non financial documents of the party
  • Capture comments about the party with regard to enrichment stage
  • Send back the application if additional info required
  • Initiate party onboarding

Steps to enrich credit proposal

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

    Figure 4-1 Free Tasks


    Free Tasks

  2. Acquire & Edit the required Enrichment task. The Credit Origination - Proposal Enrichment page summarizing the credit proposal application is displayed.