2.2 Enriching Application

This topic provides systematic instructions about the Enriching Application of the Group Concentration Limit Initiation.

Oracle Banking Credit Facilities Process Management allows you to enrich the already submitted application at any time or enrich the credit application to be submitted during the application creation process itself.

1. To enrich the already created application, from Home screen, click Tasks. Under Tasks, click Free Tasks.
   The My Tasks page is displayed.

   Figure 2-8 My Tasks

   
   

   
   Description of "Figure 2-8 My Tasks"

   
   
2. Select the required application and click Edit. The Group Concentration Limit Process - Group Concentration Initiation page appears.
3. To enrich the application after application creation process, click the Submit and Enrich button in Initiate Credit Proposal window. The Group Concentration Limit - Group Concentration Initiation page is displayed.

Customer Info

In this page, you can add more information about the party, and add / link child parties.

Figure 2-9 Customer Info

Description of "Figure 2-9 Customer Info"

Mouse hovering on the party icon displays basic information about the group entity.

4. Right click on the party icon to perform the following actions:
   • Add Customer
   • Link Customer
   • View
   • Quick View
   • Configure

   The following table describes the functionality of each actions listed above:

   Table 2-5 Customer Info

   Actions	Functionality
   Add Customer	Displays the Customer Details window to add customer of the group entity
   Link Customer	Displays the Select Customer window to link existing customer
   View	Displays the Customer Details window for viewing detailed information about the group entity
   Quick View	Displays View Entity Details window with basic information about the group entity
   Configure	Displays the Customer Details window for modifying group entity details

Add Customer

In the Customer Info page, you can add any number of customers (child party) to an organization / entity (party) and then add customers to the child party as well. If a child party is marked as a joint customer while adding customer to the party / child party, you cannot add customers to that child party.

5. To add a customer (child party) of the organization (party), click Add Customer. The Customer Details window appears. Refer Creating Application for information on adding customer.

   Note:

   After creating child party, right click the child party icon to perform following actions:

   • Add Customer for the child party
   • Link Customer for the child party
   • View child party details
   • Quick View child party details
   • Configure child party information
   • Delete child party (not applicable for linked customers)

   Note:

   Add Customer option does not appear for the child parties that are added as joint customers on right clicking the child party icon.

Link Customer

This option allows you to directly link the existing customers on-boarded through party onboarding process and the child parties under different group entity to the parties in this application.

Using this option, both the child party for which parent party is not available and the child party that already have parent can be linked to a new party.

Linkage of child party that already have parent party with a new party can be done in the case of mergers and acquisitions, etc. In order to perform this, the party to be linked to the new party must be delinked from its current parent party

Refer Group Concentration Limit Amendment User Guide for information on delinking a child party from its parent party.

6. To link existing customer / child party under different group entity, right click the party icon and select Link Customer. The Select Customer window is displayed.

   Figure 2-10 Select Customer

   
   Description of "Figure 2-10 Select Customer"
   

   
   Description of "Figure 2-10 Select Customer"

   
   
7. Click Fetch and select the required customer record. Selected customer is linked to the parent party as shown below:

   Figure 2-11 Customer Info

   
   

   
   Description of "Figure 2-11 Customer Info"

   
   

   Note:

   After linking existing customer / child party, the following actions can be performed by right clicking the linked party icon:

   • Add Customer for the child party
   • Link Customer for the child party
   • View child party details
   • Quick View child party details
   • Configure child party information
   • Move (child party) Internally
   • Undo linkage

Move Internally

Existing customers / child parties linked to a new party can be internally moved within the hierarchical structure by using this option.

8. Right click on the linked party icon and select Move Internally. The following window is displayed.

   Figure 2-12 Move Internally

   
   Description of "Figure 2-12 Move Internally"
9. Select Customer from the drop down list.
10. Click Link. The linked party is moved under the selected party.

    Note:

    You can also directly drag and drop the linked party icon under the required party to move them internally within the hierarchy.

Undo

You can always undo the link established between the existing customer / child party and the new parent party.

11. Right click on the linked party icon and select Undo, a confirmation dialog box appears.
12. Click Confirm. The linked party is delinked from the hierarchy.
13. To View / Quick view the customer information, right click the customer icon and click the respective option.
14. To modify the organization information, right click the party icon and click Configure.

You can view the party information in three different layouts, such as List View, Table View and Tree View.

15. To change the layout of tree view, click the settings icon at the right corner. Layout options appear as shown below.

    Figure 2-13 Customer Info

    
    

    
    Description of "Figure 2-13 Customer Info"

    
    
16. Click the required Layout and Link option. Layout is changed based on the selected option.
17. To change the layout to list view, click the List View icon at the top right corner. The customer information appears as shown below:

    Figure 2-14 Customer Info

    
    

    
    Description of "Figure 2-14 Customer Info"

    
    
18. To change the layout to table view, click the Table View icon at the top right corner. The customer information appears as shown below.

    Figure 2-15 Customer Info

    
    

    
    Description of "Figure 2-15 Customer Info"

    
    
19. To view the party details in tree view or list view, click the Party Id.
20. To configure the party or add customer to the party in tree view or list view, click the Hamburger icon and select the respective option.
21. To go to the next stage, click Next. You can capture the liability details for the party / child party in this data segment.
    The Liability Details page is displayed.

    Figure 2-16 Liability details

    
    Description of "Figure 2-16 Liability details"
22. Click Edit.
    The Liability Details screen is displayed.

    Figure 2-17 Liability Details

    
    Description of "Figure 2-17 Liability Details"

    For more information on fields, refer to the field description table below.

    Table 2-6 Liability Details

    Fields	Description
    Requested Liability Amount	Specify the liability amount requested by the entity.
    Return On Capital	select the ratio calculated by dividing the after tax operating income by the average book-value of the invested capital.
    Probability Of Default	Estimate of the likelihood that the entity will be unable to meet its debt obligations.
    Loss Given Default	Amount of money a bank or other financial institution loses when a borrower defaults on a loan.
    Cash Cover	Amount deposited by the entity in your bank.
    Total gross facility	Displays the total gross facility.
    Total net facility	Displays the total net facility.
    Next Review Date	Select the review date.
    Requested Expiry Date	Select the requested expiry date.

    Note:

    For more information on fields, refer Field Configuration Parameters
23. Click Audit.
    The Audit screen displays.

    Figure 2-18 Audit

    
    

    
    Description of "Figure 2-18 Audit"

    
    
24. In the Requested Liability Currency field, search and select the currency in which the liability is requested by the entity.
25. Select the Next Review Date for the Group Concentration Limit Proposal application.
26. Select the Requested Expiry Date for the liability based on the your customer request.
27. Click Save.

Comments

In this page, you can mention the actions performed in this stage with justification. Posting comments help the user in next stage to better understand the application.

Figure 2-19 Comments

Description of "Figure 2-19 Comments"

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

Table 2-7 Comments

Fields	Descriptions
Post	Type the necessary comments in the text box and click Post. Comment is posted.
Hold	To hold the enrichment operation, click Hold.
Back	To go back to the previous page, click Back.
Next	To go to the next page, click Next.
Save & Close	To save the process and exit the page, click Save & Close.
Cancel	To exit the process without saving the information, click Cancel.

Upon clicking Next, the Customer Summary page is displayed:

Customer Summary

The Customer Summary page displays all the entities (e.g. liabilities) added in the initiation stage for verification purpose.

Figure 2-20 Customer Summary

Description of "Figure 2-20 Customer Summary"

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

Table 2-8 Customer Summary

Fields	Description
Filter	To filter a required liability, click the Filter icon in the Liability Summary widget and specify the filter parameters, or directly type the filter parameter in Type to filter text box.
Party Id	To view more details about the liability, click the party Id in the Liability Summary widget.
Liability Summary	To change the layout of Liability Summary widget, use the List View, Table View, and Tree View icons.
Hold	To hold the initiation operation, click Hold.
Back	To go back to the previous page, click Back.
Save & Close	To save the process and exit the page, click Save & Close.
Submit	To submit the Group Concentration Limit Proposal application, click Submit.
Cancel	To exit the process without saving the information, click Cancel.

Note:

For information on more actions that can be performed in the Customer Summary page, refer Credit 360 User Manual.

Click Submit, the Policy Exception Summary / Business window appears based on Business Process Maintenance.

Figure 2-21 Policy Exception

Description of "Figure 2-21 Policy Exception"

By default, policy exceptions are displayed for both the organization (party) and its child party.

28. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
29. Click the Total count on each tile to view detailed information and initiate policy exception process.
30. To Submit the application, click the Checklist data segment.

    Figure 2-22 Checklist

    
    Description of "Figure 2-22 Checklist"
31. Select the Outcome as PROCEED.
32. Click Submit.
    Submitting the Group Concentration Limit proposal application, the application is moved to the Enrichment stage.