4.1 Credit Evaluation

This topic provides systematic instructions about the Credit Evaluation data segment in the Simplified Credit Proposal Evaluation Restructuring Process.

To perform credit evaluation for the proposal, perform the following steps:

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

    Figure 4-1 Free tasks

    Description of Figure 4-1 follows
    Description of "Figure 4-1 Free tasks"
  2. Select the required application and click Acquire & Edit. Credit page summarizing the proposal displayed.

    Figure 4-2 Credit Evaluation - Summary

    Description of Figure 4-2 follows
    Description of "Figure 4-2 Credit Evaluation - Summary"
  3. To view the sector and industry information, click the industry icon in customer information section.
    The Industry Details screen is displayed.

    Figure 4-3 Industry Details

    Description of Figure 4-3 follows
    Description of "Figure 4-3 Industry Details"

    Click Close to exit the Industry Details window.

  4. To view the overview of the organization, click the entity overview icon in Customer Information section.
    The Entity Overview screen is displayed.

    Figure 4-4 Entity Overview

    Description of Figure 4-4 follows
    Description of "Figure 4-4 Entity Overview"
  5. To change the layout of the entity overview, click the configuration icon at the top right corner. Layout window is displayed.
  6. Select the required layout. Entity Overview is changed to the selected layout as shown below:

    Figure 4-6 Entity Overview

    Description of Figure 4-6 follows
    Description of "Figure 4-6 Entity Overview"

    For field level information on Entity Overview screen refer the below table.

    Table 4-1 Entity Overview

    Fields Description
    Close To exit the Entity Overview window, click Close.

    In Customer Information section, the count of Share Holders, Contractors, Guarantors, and Bankers is displayed.
    count numbers To view the detailed information about the Share Holders, Contractors, Guarantors, and Bankers, click the respective count numbers.
    layout icon To change the layout of the Facility Summary, Collateral Summary, Existing Facilities held with Other Bank, Pricing, Covenants, and Terms & Conditions in Summary page, click the layout icon and select the required layout.

    By default, Financial Profile of the organization and financial Projections for the organization are listed for 3 years.

    Financial Profile To view the Financial Profile and Projections for five years, select Previous 5 years option from the Show results for drop down list.
    Projection To view detailed information about the Financial Profile and Projection, click View all in the respective sections.
  7. After reviewing the Summary, click Next.
    The Credit Evaluation screen is displayed.

    Figure 4-7 Credit Evaluation

    Description of Figure 4-7 follows
    Description of "Figure 4-7 Credit Evaluation"
    In Credit Evaluation page, the banker can perform the following analysis for the organization and its connected parties by answering simple questions related to the analysis:
    • Quantitative Analysis
    • Qualitative Analysis
  8. To perform sector analysis in Quantitative Analysis, click Evaluate in Sector Analysis section.
    The Questionnaire screen is displayed.

    Figure 4-8 Questionnaire

    Description of Figure 4-8 follows
    Description of "Figure 4-8 Questionnaire"

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

    Table 4-2 Questionnaire

    Fields Description
    Next Select answers for the available questions and click Next Category.
    Right arrow Right arrow icon appears in case of multiple questions, click the right arrow and answer all the questions in all the category.

    A score is generated and displayed for the sector based on each answer provided.
    Save Click Save.
    Evaluate To perform other analysis in Quantitative Analysis, click Evaluate in Other Analysis section and answer the questions.
    Comment To capture comments for the analysis, click Comment.
    After performing quantitative analysis, the quantitative analysis page with a cumulative score is displayed.

    Figure 4-9 Credit Evaluation

    Description of Figure 4-9 follows
    Description of "Figure 4-9 Credit Evaluation"
  9. After performing the qualitative analysis, click Qualitative Analysis tab.
    The Qualitative Analysis screen is displayed.

    Figure 4-10 Credit Evaluation Qualitative Analysis

    Description of Figure 4-10 follows
    Description of "Figure 4-10 Credit Evaluation Qualitative Analysis"

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

    Table 4-3 Qualitative Analysis

    Fields Description
    Qualitative Analysis To perform peer analysis in Qualitative Analysis, click Evaluate in Peer Analysis section. Peer Analysis window appears.
    Close Perform the peer analysis and click Close.
    Financial Analysis To perform financial analysis in Qualitative Analysis, click Evaluate in Financial Analysis section and answer all the questions.
    Edit To perform the analysis again, click Edit.
    Comment To capture comments for the analysis, click Comment.
  10. After performing the qualitative analysis for both the organization and its connected parties, click Next in the Credit Evaluation page.
    The Comments screen is displayed.

    Figure 4-11 Comments

    Description of Figure 4-11 follows
    Description of "Figure 4-11 Comments"

    Type the overall Comments for the credit evaluation and click Post. Comment is posted below the Comments box.

  11. Click Submit.
    The Policy Exception screen is displayed.

    Figure 4-12 Policy Exception

    Description of Figure 4-12 follows
    Description of "Figure 4-12 Policy Exception"

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

    To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.

  12. Click the Checklist data segment.

    Figure 4-13 Checklist

    Description of Figure 4-13 follows
    Description of "Figure 4-13 Checklist"

    For field level information on Checklist screen refer the below table.

    Table 4-4 Checklist

    Fields Description
    Outcome Select the Outcome as PROCEED, if additional information is not required. Otherwise select the Outcome as Additional Info.
    Submit Click Submit. The draft proposal is sent to the mentioned Email ID.

    Note:

    Write Up data segment appears, if the data segment is enabled in the Maintenance module. Refer Appendix A for information on the Write Up data segment.

Parent topic: Proposal Evaluation