3.3 Loan Account Conduct

This topic provides systematic instructions about the customer’s loan accounts in your bank can be added and analyzed from this tile.

1. Click Enrich in the Loan Account Conduct tile.
   The Loan Account Analysis screen is displayed.

   Figure 3-4 Loan Account Analysis

   
   

   
   Description of "Figure 3-4 Loan Account Analysis"

   
   
2. Click the Add icon. The following window is displayed.

   Figure 3-5 New Loan Account

   
   

   
   Description of "Figure 3-5 New Loan Account"

   
   
   For information on fields in the New Loan account screen, refer the below table.

   Table 3-1 New loan account

   Fields/ Icons	Description
   Loan account number	Specify the Loan account number.
   Currency	Search and select the Currency for sanctioned amount.
   Sanctioned amount	Specify the Sanctioned amount as per loan account.
   Sanctioned date	Click the calendar icon and select the loan Sanctioned date.
   Tenor (in Months)	Specify the loan Tenor (in Months).
   Maturity date	Click the calendar icon and select the loan Maturity date.
   Rate of interest	Specify the Rate of interest at which the loan is offered.
   Repayment frequency	Select the loan Repayment frequency from the drop down list. The options available are Monthly, Yearly, Half Yearly and Quarterly.
   Repayment amount	Specify the loan Repayment amount paid by the customer.
   Outstanding as per schedule	Specify the loan Outstanding as per schedule amount.
   Actual outstanding	In Actual outstanding amount field, specify the total loan outstanding amount.
   Discrepancy	If there is a discrepancy in interest rate, enable the Discrepancy flag.
   Last payment date and Next payment date	Specify the last and next loan payment dates in the Last payment date and Next payment date fields, respectively.
   Account classification	Select the Account classification from the drop down list. The options available are Overdue and Standard.
   Overdue days	If Account classification is selected as Overdue, the Overdue days field is enabled. Specify the loan Overdue days.

3. Click Save. The details are added and displayed in the Loan Account Analysis screen as shown below:

   Figure 3-6 Loan Account Analysis

   
   Description of "Figure 3-6 Loan Account Analysis"

   You can get the overview of loan account indicating the number of standard, overdue and total loan accounts by expanding the Account Overview section.

4. To Edit, Delete, or View a particular loan account record, click the hamburger icon in the corresponding record and select the required option or select the record and click the appropriate icon.

Analyzing Loan Account

User can perform questionnaire-based analysis for determining the loan account conduct in the Analysis data segment.

Questionnaire maintained and linked to this process in Business Process maintenance appears here for analysis.

Figure 3-7 Analysis

Description of "Figure 3-7 Analysis"

5. Select answer for all the questions. A score is generated for the loan account based on the selected answers.

   Note:

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

   Figure 3-8 Comments

   
   

   
   Description of the illustration comments.png

   
   
7. Type the overall Comments for the Loan Account Analysis.
8. Click Post. Comments are posted below the Comments box.
9. Click Save & Close to exit the analysis page.

   Figure 3-9 Loan Account Conduct

   
   

   
   Description of "Figure 3-9 Loan Account Conduct"

   
   

   Once the loan account conduct is analyzed, the graphical representation of Loan Aging and the Loan Outstanding details are displayed in the Loan Account Conduct tile. Select the required option from the drop down list in the tile to view necessary information.