3.12 Bankers

This topic provides systematic instructions about the Bankers in data segment in Enrichment Stage.

The relationship between your customer and the other banks can be captured from this tile.

  1. Click the capture icon in the Bankers tile.
    The Bankers screen is displayed.

    Figure 3-111 Bankers


    Description of Figure 3-111 follows
    Description of "Figure 3-111 Bankers"

  2. To add the banker details, click the add icon.
    The Bankers dependency details window is displayed.

    Figure 3-112 Bankers dependency details


    Description of Figure 3-112 follows
    Description of "Figure 3-112 Bankers dependency details"

    For information on fields in the Basic details screen, refer the below table.

    In Basic details section:

    Table 3-51 Basic Details

    Fields Description
    Bank name Type the Bank name.
    Bank type Select the Bank type from the drop down list.
    Branch name Type the Branch name.

In the Address details section:

Figure 3-113 Address details

Description of Figure 3-113 follows
Description of "Figure 3-113 Address details"

For information on fields in the Address Details screen, refer the below table.

Table 3-52 Address Details

Fields Description
address details Type the following address details:
  • House/Building
  • Street
  • Locality
  • Landmark
  • Area
  • City
  • State
Address Type Select the Address Type from the drop down list. The options available are Office, Residence, and Correspondence.
Point of Contact Type the name of Point of Contact person.
Zip-Code Specify the Zip-Code of the address.
Country Search and select the Country of the address.
Email Address and Phone Number Specify the Email Address and Phone Number of the banker.

  1. Click Save. The address details are added and listed as shown below:

    Figure 3-114 Address Detail

    Description of Figure 3-114 follows
    Description of "Figure 3-114 Address Detail"
    For information on fields in the Address Detail screen, refer the below table.

    Table 3-53 Address Detail

    Fields Description
    edit To modify the address detail, select the address from the list and click the edit icon.
    delete To delete the address detail, select the address from the list and click the delete icon.

In the Relationship details section:

Figure 3-115 Relationship details

Description of Figure 3-115 follows
Description of "Figure 3-115 Relationship details"

For information on fields in the Relationship Details screen, refer the below table.

Table 3-54 Relationship Details

Fields Description
Branch location Search and select the Branch location.
Relationship since Click the calendar icon in Relationship since field and select the relationship commencement date.
Relationship type Search and select the Relationship type from the drop down field.
Current account count In Current account count field, type the number of current accounts maintained by the customer in the mentioned bank.
Loan account count In Loan account count field, type the number of loan accounts maintained by the customer in the mentioned bank.
Currency Search and select the Currency for the Asset value and Liability value.
Asset value and the Liability value. Specify the Asset value and the Liability value.

Figure 3-116 Deposit account details

Description of Figure 3-116 follows
Description of "Figure 3-116 Deposit account details"

For information on fields in the Deposit Account Details screen, refer the below table.

Table 3-55 Deposit account details

Fields Description
Number of deposit accounts Specify the Number of deposit accounts maintained by the customer in mentioned bank.
As on date balance in deposit accounts Specify the As on date balance in deposit accounts.
Average balance in deposit accounts Specify the Average balance in deposit accounts.
Number of current accounts Specify the Number of current accounts.
As on date balance in non-OD current accounts Specify the As on date balance in non-OD current accounts.

Figure 3-117 WC borrowing pattern

Description of Figure 3-117 follows
Description of "Figure 3-117 WC borrowing pattern"

For information on fields in the WC borrowing pattern screen, refer the below tables.

Table 3-56 WC borrowing pattern

Fields/ Icons Description
Account number Specify the working capital Account number.
Currency Search and select the Currency of the working capital.
Average balance Specify the Average balance in working capital.
As on date balance Specify the As on date balance in working capital.
No of excess in past 6 months Specify the No of excess in past 6 months.
Is secured/unsecured If the working capital is secured, select the Is secured/unsecured switch.
LTV Specify the LTV (Loan To Value) in percentage.
Term in months Specify the working capital Term in months.
WC Type Select the WC Type from the drop down list.
Limit Specify the working capital Limit.

For information on fields in the Collateral screen, refer the below tables.

Table 3-57 Collateral

Fields Description
Collateral type Search the Collateral type from the drop down list.
Total collateral value Specify the Total collateral value.
Collateral contribution Specify the Collateral contribution.
Add Click Add. Collateral details are added and listed as shown below:

Figure 3-118 WC borrowing pattern

Description of Figure 3-118 follows
Description of "Figure 3-118 WC borrowing pattern"

For information on fields in the WC borrowing pattern screen, refer the below tables.

Table 3-58 WC borrowing pattern

Fields Description
Remove, Update To Remove, Update, or Clear the collateral detail, select the item from the list and click the corresponding icon.
Add Click Add in the WC borrowing pattern window. The working capital borrowing details are added and listed as shown below:

Figure 3-119 WC Borrowing Pattern

Description of Figure 3-119 follows
Description of "Figure 3-119 WC Borrowing Pattern"

For information on fields in the WC borrowing pattern screen, refer the below tables.

Table 3-59 WC borrowing pattern

Fields Description
edit To modify the WC borrowing pattern, select the pattern and click the edit icon.
delete To delete the WC borrowing pattern, select the pattern and click the delete icon.

Figure 3-120 TL borrowing pattern

Description of Figure 3-120 follows
Description of "Figure 3-120 TL borrowing pattern"
For information on fields in the TL borrowing pattern screen, refer the below table.

Table 3-60 TL borrowing pattern

Fields Description
Product type Enter the Product type.
Loan account number Specify the term Loan account number.
Currency Search and select the Currency of the term loan.
Sanctioned amount and Outstanding amount Specify the Sanctioned amount and Outstanding amount.
Loan availed Click the calendar icon in the Loan availed on field and select the date on which term loan is availed.
No of excess in past 6 months Specify the No of excess in past 6 months.
EMI amount Specify the EMI amount to be paid per selected frequency.
Loan purpose Type the Loan purpose.
Term in months In the Term in months field, specify the tenor of the term loan in months.

  1. Click Add. Term loan borrowing details are added and listed as shown below:

    Figure 3-121 TL borrowing pattern

    Description of Figure 3-121 follows
    Description of "Figure 3-121 TL borrowing pattern"

    For information on fields in the TL borrowing pattern screen, refer the below tables.

    Table 3-61 TL borrowing pattern

    Fields Description
    edit To modify the TL borrowing pattern, select the pattern and click the edit icon.
    delete To delete the TL borrowing pattern, select the pattern and click the delete icon.

Figure 3-122 NFB borrowing pattern

Description of Figure 3-122 follows
Description of "Figure 3-122 NFB borrowing pattern"

For information on fields in the NFB borrowing pattern screen, refer the below table.

Table 3-62 NFB borrowing pattern

Fields Description
Product type Enter the type of non-fund based (NFB) product in the Product type field.
Product sub type Enter the sub type of NFB product in the Product sub type field.
Currency Search and select the Currency of NFB product.
Sanctioned amount Specify the Sanctioned amount.
Tenor in months Specify the NFB product Tenor in months.

  1. Click Add. NFB product details are added and listed as shown below:

    Figure 3-123 NFB borrowing pattern

    Description of Figure 3-123 follows
    Description of "Figure 3-123 NFB borrowing pattern"

    For information on fields in the NFB borrowing pattern screen, refer the below table.

    Table 3-63 NFB borrowing pattern

    Fields Description
    edit To modify the NFB borrowing pattern, select the pattern and click the edit icon.
    delete To delete the NFB borrowing pattern, select the pattern and click the delete icon.
       

Figure 3-124 Other products

Description of Figure 3-124 follows
Description of "Figure 3-124 Other products"

For information on fields in the Other Products screen, refer the below table.

Table 3-64 Other products

Fields Description
Product type Enter the type of other product in the Product type field.
Lending product Enter the name of the Lending product.
Currency Search and select the Currency for the specified other product.
Limit amount Specify the Limit amount for the other product.

  1. Click Add. The other product details are added and listed as shown below:
  2. To Update, Remove, or Clear the other product detail, select the required item from the list and click the corresponding icon.
  3. Click Save in the Bankers Dependency Details window. Banker detail are added and displayed in the Baker page.
  4. To Edit, Delete and View the added Banker details, click the hamburger icon in required item and select the corresponding option.

    Note:

    The user can alternatively use the edit and delete icons beside the add icon to modify and delete the Banker detail.

    To modify and delete the Banker detail using these icons, select the item from the list first and then click the respective icon.

  5. To analyze the banker detail, click Next in the Bankers page.
    The Analysis screen is displayed.

    Figure 3-127 Analysis


    Description of Figure 3-127 follows
    Description of "Figure 3-127 Analysis"

  6. Select the answer for all the questions. A score is generated for the Banker based on the selected answers.

    Note:

    To view the next question, use right arrow at the side of the Analysis page.
  7. Click Next.
    The Comments screen is displayed.

    Figure 3-128 Comments


    Description of Figure 3-128 follows
    Description of "Figure 3-128 Comments"

    For information on fields in the Comments screen, refer the below table.

    Table 3-65 Comments

    Fields Description
    Comments Type the overall Comments for the Banker Analysis.
    Post Click Post. Comments are posted below the Comments box.
    Submit Click Submit.
  8. To view the banker dependency trends, click the trend analysis icon beside the capture icon in Bankers tile.
    The Banker Dependency Trends window is displayed.

    Figure 3-129 Banker Dependency Trends

    Description of Figure 3-129 follows
    Description of "Figure 3-129 Banker Dependency Trends"

    For information on fields in the Banker Dependency Trends screen, refer the below table.

    Table 3-66 Banker Dependency Trends

    Fields Description
    Bank Name Search and select the Bank Name.
    Start date and End date Specify the Start date and End date.
    View Trend Click the View Trend button. Banker dependency trends for the selected period appears.
    Close To exit the Banker Dependency Trends window, click Close.

Parent topic: Enrich and Analyze