7 Amendment Structuring

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

In this stage, the Credit manager structures the proposal in terms of change of funding, type of products/funding to be extended, and pricing, T&C, covenants, collateral/margin etc. to be applied based on the scoring generated in the risk, legal and credit evaluation stages, collateral value and information captured in the previous stages. In addition, the user can also structure the availability of funds between the parent and the child customers.

The following table provides a high level overview about the Amendment Structuring 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 changes related to facilities, collateral, covenants and T&C Comments added in previous stages Credit evaluation scores and details Legal evaluation score and details Risk evaluation score and details Write up added in previous stages Comments added in previous stages

Edit the liability details if needed Liability -Capture proposed Liability amount -Capture proposed expiry dates Facility Capture proposed facility amount Capture proposed expiry dates, Add/Modify/Delete facilities Add details like Schedule, Exposure, Fee, Collateral Pool Linkage, Pricing Collateral Remove any collateral added in previous stages Add new collateral Add write up about the customer Add comments for the stage Send back the application if additional information is required Submit application for review

To structure the credit amendment proposal, perform the following steps:

1. On Home screen, select Tasks. Under Tasks, select Free Tasks.
   The Free Task page is displayed.

   Figure 7-1 Free Task

   
   

   
   Description of "Figure 7-1 Free Task"

   
   
2. Acquire & Edit the required Proposal Structuring task. The Proposal Structuring - Customer Summary page is displayed.

• Amendment Structuring - Customer Summary
  This topic describes information about the Customer Summary of the Amendment Structuring.
• Amendment Structuring - Amendment Summary
  This topic procides systematic instructions about Amendment Summary of the Amendment Structuring.
• Amendment Structuring- Proposal Structuring
  This topic describes informtaion about Proposal Structuring of the Amendment Structuring.
• Amendment Structuring -Write Up
  This topic describe about the Write Up of the Amendment Structuring.
• Amendment Structuring - Comments
  This topic describes information about Comments of the Amendment Structuring.