4 Amendment Enrichment

This topic provides systematic instructions about the Amendment Enrichment of the Credit Amendment.

In this stage, the member of the operations/credit team enriches the amendment application by capturing detailed information about the customer (the customer hierarchy, funding requirement, collateral offered and the other business related information) required to evaluate the customers on parameters like credit worthiness, risk profiling and legal fitness. After performing the necessary actions, the user can send the application to three parallel stages as well as initiate the collateral evaluation and the customer onboarding work flows.

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

Table 4-1 Amendment Enrichment

Information Available for User

Activities that can be performed by user

Amendment summary Customer group Structure Liability details Facility details Other bank facilities Group wise exposure Connected party details Facility over utilized Facility overdue Breached covenants Breached T&C Existing collateral details Existing covenants and T&C

Edit the information captured as part of amendment initiation View and update financial details View and update Shareholder details View and update management team details View and update auditor details View and update Directors details View and update customer and supplier details View and update projections Upload financial documents View and update address of the customers View and update customer level covenants and T&C Edit the liability or facility details if required Edit the collateral details if required Capture fresh write up Upload non financial documents of the customer Capture comments about the customer with regard to enrichment stage Send back the application if additional information is required

1. From Home screen, click Tasks. Under Tasks, click Free Tasks.
   The Free Tasks page is displayed.

   Figure 4-1 Free Tasks

   
   

   
   Description of "Figure 4-1 Free Tasks"

   
   
2. Acquire & Edit the required Amendment Enrichment task. The Amendment Summary page appears.

• Amendment Enrichment - Amendment Summary
  This topic describes information about the Amendment Summary of the Amendment Structuring.
• Amendment Enrichment - Customer Info
  This topic describes information about the Customer Info of the Amendment Enrichment.
• Amendment Enrichment - Liability
  This topic describes information about the Liability of the Amendment Enrichment.
• Amendment Enrichment - Other Bank Facilities
  This topic describes information about the Other Bank Facilities of the Amendment Enrichment.
• Amendment Enrichment - Groupwise Exposure
  This topic describes about information on the Groupwise Exposure of the Amendment Enrichment.
• Amendment Enrichment - Connected Party
  This topic describes information about the Connected Party of the amendment enrichment.
• Amendment Enrichment - Enrichment
  Detailed information on Enrichment of the Amendment Enrichment.
• Amendment Enrichment - Write Up
  This topic describes information about Write Up of the Amendment Enrichment.
• Amendment Enrichment - Comments
  This topic describes information about Comments of the Amendment Enrichment.