11 Customer Acceptance

This topic provides information about the Customer Acceptance of the Credit Amendment.

In this stage, the user can capture status of customer acceptance and move the proposal to limit configuration stage. If the customer asks for a re-negotiation, then the user can send the application back to proposal review stage.

The following table provides a high level overview about the Customer Acceptance 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

Upload the customer accepted documents Submit for limit configuration Send application for renegotiation Add comments

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

   Figure 11-1 Free Tasks

   
   

   
   Description of "Figure 11-1 Free Tasks"

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

   Figure 11-2 Customer Summary

   
   

   
   Description of "Figure 11-2 Customer Summary"

   
   

   Note:

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

   Figure 11-3 Amendment Summary

   
   

   
   Description of "Figure 11-3 Amendment Summary"

   
   

   Note:

   Refer Amendment Enrichment - Amendment Summary for information on actions that can be performed in the Amendment Summary page.
4. Upon clicking Next in the Amendment Summary page.
   the Customer Acceptance page is displayed.

   Figure 11-4 Customer Acceptance

   
5. Click the download icon to download the proposal draft.
6. Click Next.
   The Comments page is displayed.

   Figure 11-5 Comments

   
   

   
   Description of "Figure 11-5 Comments"

   
   
7. Post comments, if required. Posted comment is displayed below the Comments box.
8. Click Submit.
   The Policy exceptions window is displayed.

   Figure 11-6 Policy exceptions

   
   

   
   Description of "Figure 11-6 Policy exceptions"

   
   

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

9. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
10. Click the Checklist data segment.

    Figure 11-7 Checklist

    
    

    
    Description of "Figure 11-7 Checklist"

    
    

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

    Table 11-1 Checklist

    Fields	Description
    Outcome	Select the required Outcome based on the feedback from the customer. The options available are Proceed, Renegotiate and Reject.
    Submit	Click Submit. The proposal is moved to the next stage based on the selected Outcome.

    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.