2.1 About Facility Review

This topic describes about Facility Review.

After disbursing the facilities to corporate customers, the banks need to closely monitor the performance of the customers in a periodic manner to mitigate risk that could occur due to the poor customer performance.

In OBCFPM, the Facility Review process allows the user to review the utilization of facility along with the customer’s performance with respect to the set terms and conditions. The system will trigger the Facility Review process based on the Next Review Date selected by the user during Credit Proposal process or Credit Amendment process.

The following stages are available in the Facility Review process for reviewing the facility and taking necessary actions:

• Proposal Initiation
• Proposal Enrichment
• Proposal Evaluation (Credit, Risk, Legal and KYC Evaluations)
• Proposal Structuring
• Proposal Review
• Proposal Approval
• Draft Generation
• Customer Acceptance
• Limit Configuration
• Proposal Handoff
• Handoff - Manual Retry (Applicable if automatic Handoff fails)