5.2 Amendment Evaluation - Risk Evaluation

This topic describes information about Risk Evaluation of the Amendment Evaluation.

The following table provides a high level overview about the Risk Evaluation stage.

Information Available for User

Activities that can be performed by user

Customer 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 Amendment summary Details about the changes related to facilities, collateral, covenants, and T&C Comments added in previous stages

Complete the risk evaluation - Questionnaire Send back the application if additional information is required Capture comments about the performed risk evaluation

To perform risk evaluation for the amendment proposal, perform the following steps:

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

   Figure 5-21 Free Task

   
   

   
   Description of "Figure 5-21 Free Task"

   
   
2. Click Acquire & Edit the required Risk Evaluation task. The Risk Evaluation - Customer Summary page is displayed.

   Figure 5-22 Customer Summary

   

   Note:

   For information on actions that can be performed in the Customer Summary page, refer Credit 360 User Guide.
3. After reviewing the Customer Summary, click Next.
   The Amendment Summary page is displayed.

   Figure 5-23 Amendment Summary

   
   

   
   Description of "Figure 5-23 Amendment Summary"

   
   

   Note:

   Refer Amendment Initiation - Amendment Summary on actions that can be performed in Amendment Summary page.
4. Upon clicking Next in the Amendment Summary page.
   The Risk Evaluation page is displayed.

   Figure 5-24 Risk Evaluation

   
   

   
   Description of "Figure 5-24 Risk Evaluation"

   
   

   In Risk Evaluation page, the banker can perform risk evaluation for the customer by answering simple questions related to the evaluation.

5. To initiate the evaluation, click Start.
   The Questionnaire window is displayed.

   Figure 5-25 Questionnaire

   
   

   
   Description of "Figure 5-25 Questionnaire"

   
   

   For information on fields refer the below table.

   Table 5-10 Questionnaire

   Fields	Description
   Next Category	Select answers for the available questions and click Next Category.
   right arrow	Right arrow icon appears in case of multiple questions, click the right arrow and answer all the questions in all the category. A score is generated and displayed for the sector based on each answer provided.
   Save	Click Save. Risk Evaluation page with a cumulative score appears.

6. Click Next.
   The Comments page is displayed.

   Figure 5-26 Comments

   
   

   
   Description of "Figure 5-26 Comments"

   
   
7. Type the overall Comments for the risk evaluation and click Post. Comment is posted below the Comments box.
8. Click Submit.
   The Policy exceptions window is displayed.

   Figure 5-27 Policy exceptions

   
   

   
   Description of "Figure 5-27 Policy exceptions"

   
   

   By default, policy exceptions are displayed for both the party and the child parties.

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

9. Click the Checklist data segment.

   Figure 5-28 Checklist

   
   

   
   Description of "Figure 5-28 Checklist"

   
   

   For information on fields in the Checklist page, refer the below table.

   Table 5-11 Checklist

   Fields	Description
   Outcome	Select the Outcome as PROCEED, if additional information is not required. Otherwise select the Outcome as Additional Info.
   Submit	Click Submit.

   Note:

   Write Up data segment appears, if the data segment is enabled in the Maintenance module. For information on Write up data segment, refer Amendment Initiation chapter.