3 Proposal Initiation

This topic provides systematic instructions about the Proposal Initiation stage in the Simplified Credit Proposal Evaluation Restructuring Process.

Simplified Credit Proposal Evaluation Restructuring (CPER) can be initiated only for the proposals that are not handed off to the Back Office System in the Simplified Credit Proposal Handoff Process (CPHP).

To initiate Simplified CPER process, perform the following steps:

  1. In OBCFPM, navigate to Credit Facilities > Simplified Credit Proposal Evaluation Restructuring.
    The Initiate Restructuring page is displayed.

    Figure 3-1 Initiate Restructuring

    Description of Figure 3-1 follows
    Description of "Figure 3-1 Initiate Restructuring"
  2. Search and select the required application. Initiate Restructuring Process button is enabled.
  3. Click the Initiate Restructuring Process button. Customer Info page with organization and connected party details added in simplified CPEP is displayed.

    Figure 3-2 Initiation - Customer Info

    Description of Figure 3-2 follows
    Description of "Figure 3-2 Initiation - Customer Info"

    Mouse hovering on the organization icon displays the basic information about the organization.

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

Add Customer

  1. To add a customer (child party) of the organization (party), click Add Customer.
    The Customer Details screen is displayed.

    Figure 3-3 Customer Details

    Description of Figure 3-3 follows
    Description of "Figure 3-3 Customer Details"

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

    Table 3-1 Customer Details

    Fields Description
    Organization Name Type the Organization Name..
    Organization Type Select the Organization Type from the drop down list. The options available are Single and Conglomerate.
    Entity Type Select the Entity Type from the drop down list. The options available are Proprietorship, Pvt Ltd, Public Ltd, Govt Owned, Trusts, Clubs, Society, Associations, Limited Liability Partnership, Foreign Bodies, NGO and Others.
    Demography Type Select the Demography Type from the drop down list. The options available are Domestic and Global.

    Upon selecting Global option, Geographical Spread field is displayed.

    Fields Description
    Geographical Spread Search and select all the countries in which the organization is operating as Geographical Spread.
    Country of incorporation Select the Country of incorporation.
    Incorporation date Click the calendar icon and select the Incorporation date.
    Country of risk Select the Country of risk for organization from the drop down list.
    Special customer Enable the Special customer switch, if the customer is a special customer for your bank.
    RM Id RM Id is automatically populated based on the login details.
    fields Type the following addresses in respective fields:
    • Website Address
    • Facebook Address
    • Twitter Address
  2. To capture industry details of the organization, click Add below the addresses fields.
    The Add Industry screen is displayed.

    Figure 3-4 Add Industry

    Description of add-industry.png follows
    Description of the illustration add-industry.png

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

    Table 3-2 Add Industry

    Fields Description
    Industry Groups Select a sector of the organization. Available Industry Groups appear.
    Industry Group Select the Industry Group of the organization. Available Industries appear.
    Sub-Industries Select the Industry of the organization. Available Sub-Industries appear.
    Industry details Select the sub-industry of the organization. Industry details are added:
    Delete To delete the added industry, click the delete icon.

    Note: If the organization is into different sectors, the user has to capture all the sector details while initiating facility amendment. To add another sector information, click Add again.

    The industry added first will be considered as the default industry.
  3. To capture rating information of the organization, click +Add below the sector information.
    The Add Rating screen is displayed.

    Figure 3-5 Add Rating

    Description of Figure 3-5 follows
    Description of "Figure 3-5 Add Rating"

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

    Table 3-3 Add Rating

    Fields Description
    details Select the following details:
    • Rating Date
    • Outlook
    • Risk Ratings
    • Rated By
    Year Of Rating

    The Year Of Rating is automatically populated based on the selected Rating Date.

    Upon selection of the above details, the rating is added and displayed in the Customer Details window:
    edit To modify the added rating, click the edit icon and change the required details.
    Delete To delete the added rating, click the delete icon.

    Note: If the organization is rated by different rating firms, all the rating information must be captured while initiating credit proposal. To add another rating information, click +Add again.

    The industry added first will be considered as the default industry.
    close To close the Customer Details window, click the close icon.

For information on fields in the View, Quick View and Delete Customer screen, refer the below table.

Table 3-4 View, Quick View and Delete Customer

Fields Description
Delete To View, Quick view, Configure and Delete the child party information, right click the child party icon and click the respective option.
Configure To View, Quick view, and Configure the organization information, right click the organization icon and click the respective option.

Note: Parent customer (party / entity) cannot be deleted.

  1. To configure the organization (entity), right click on the organization icon and click Configure.
    The Facility Details screen is displayed.

    Figure 3-6 Party Details

    Description of Figure 3-6 follows
    Description of "Figure 3-6 Party Details"

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

    Table 3-5 Facility Details

    Fields Description
    Company Details Enter / select the following details in the corresponding fields:
    • Registration Number
    • Company Name
    • Type Of Company
    • Geographical Spread
    • Place Of Incorporation
    • Incorporated Date
    • Established Date
    • RM Id
    • Company Website
    • Facebook URL
    • Twitter URL
    • Employee Strength
    • No. Of Years In Business
    • No. Of Companies in the Group
    • Country of Risk
    Is Blacklisted? Enable the Is Blacklisted? switch, if the company is blacklisted.
    Is KYC Compliant? Enable the Is KYC Compliant? switch, if the company is KYC Compliant.
    Last KYC Date Click the calendar icon and select the Last KYC Date.
    Listed Company Enable the Listed Company switch, if the company is listed.
    Language Select the Language from the drop down list.
    Media Select the Media for transactions from the drop down list.

    Table 3-6 KYC Details

    Fields Description
    Received Enable the Received switch, if KYC verification details are received for the customer.
    KYC Verification Date and Effective Date. Click the calendar icon and select the KYC Verification Date and Effective Date.
    Verification Method Type the KYC Verification Method. For example: Field verification.
    Save Click Save.
  2. To add the company address details, click the Address tab and then click the Add icon.
    The Address Details screen is displayed.

    Figure 3-7 Address Details

    Description of Figure 3-7 follows
    Description of "Figure 3-7 Address Details "

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

    Table 3-7 Adrees Details

    Fields Description
    Adrees Details Type or select the following details in the corresponding fields:
    • Address Type
    • Name of the contact person
    • House/Building name
    • Street
    • Locality
    • Landmark
    • Area
    • City
    • State
    • Zip-Code
    • Country
    • Email Address
    • Phone Number
    Add Click Add. Address details are added.
    Industry To add the industry details, click the Industry tab and select the required details.

    Note: To Edit, Delete or View the added Basic Info, Address, and Industry. click the hamburger icon in the required list item and select the required option.

    Customer Profile To view the organization’s business details, click the Customer Profile in menu and select Business sub-menu.
  3. To configure organization’s financial details, click Financial Profile in left menu.
    The Financial profile screen is displayed.

    Figure 3-8 Financial profile

    Description of Figure 3-8 follows
    Description of "Figure 3-8 Financial profile"
  4. Click the Add icon. The following window is displayed.

    Figure 3-9 Financial profile

    Description of Figure 3-9 follows
    Description of "Figure 3-9 Financial profile"

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

    Table 3-8 Financial Profile

    Fields Description
    Year Specify the Year for which the organization’s financial details are to be added.
    Currency Search and select the Currency for the financial information.
    Details Specify the following details in the corresponding fields:
    • Balance Sheet Size
    • Operating Profit
    • Net Profit
    • Year Over Year Growth
    • Return On Investment
    • Return On Equity
    • Return On Asset
    Add Click Add. Organization’s financial details are added.
  5. To add financial documents, click Upload Financial Document.
    The Financial Documentsscreen is displayed.

    Figure 3-10 Financial Documents

    Description of Figure 3-10 follows
    Description of "Figure 3-10 Financial Documents"
    In the Financial Documents window, the user can Add the following documents by clicking respective tabs.
    • Balance Sheet
    • Profit & Loss Statement
    • Cash Flow Statement
    Upon clicking Add in any of the above tabs, the following window to upload documents is diaplayed.

    Figure 3-11 Balance Sheet Details

    Description of Figure 3-11 follows
    Description of "Figure 3-11 Balance Sheet Details"

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

    Table 3-9 Balance Sheet Details

    Fields Description
    Period Select the Period for which the financial document is to be added.
    Quarter Select the Quarter for which the financial document is to be added.
    Drop files here or click to select In Drop files here or click to select section, drag and drop or click and upload the financial document.
    Add Click Add. Document is added.
    Chart view In the Financial Profile screen, click the Chart view icon to change the List view to Chart view.

    Note: To Edit, Delete or View the added Financial Profile. click the hamburger icon in the required list item and select the required option.

    Note:

    To Edit, Delete or View the added Financial Profile. click the hamburger icon in the required list item and select the required option.

  6. To configure projection details, click Projections from the left menu and then click the Add icon.
    The Projections window is displayed.

    Figure 3-12 Projections


    Description of Figure 3-12 follows
    Description of "Figure 3-12 Projections"

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

    Table 3-10 Projections

    Fields Descriptions
    Year Specify the Year for which the organization’s projection details are to be added.
    Currency Search and select the Currency for the projection details.
    Details Specify the following details in the corresponding fields:
    • Balance Sheet Size
    • Operating Profit
    • Net Profit
    • Year Over Year Growth
    • Return On Investment
    • Return On Equity
    • Return On Asset
  7. Click Add. Organization’s projection details are added.
  8. To add projection documents, click Upload Projection Document.
    The Projection Documents window is displayed.

    Figure 3-13 Projection Documents


    Description of Figure 3-13 follows
    Description of "Figure 3-13 Projection Documents"

    In the Projection Documents window, the user can Add the following documents by clicking respective tabs.

    • Balance Sheet
    • Profit & Loss Statement
    • Cash Flow Statement
    Upon clicking Add in any of the above tabs, the following window to upload documents is displayed.

    Figure 3-14 Balance Sheet Details


    Description of Figure 3-14 follows
    Description of "Figure 3-14 Balance Sheet Details"

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

    Table 3-11 Balance Sheet Details

    Fields Description
    Period Select the Period for which the projection document is to be added.
    Quarter Select the Quarter for which the projection document is to be added.
    Drop files here or click to select In Drop files here or click to select section, drag and drop or click and upload the projection document.
    Add Click Add. Document is added.
  9. In the Business Projection screen, click the Chart view icon to change the List view to Chart view.

    Note:

    To Edit, Delete or View the added Projections. click the hamburger icon in the required list item and select the required option.
  10. To configure stakeholders information, click Stakeholders in the left menu.

    The user can add information about the following stakeholders by clicking the Stakeholders menu:

    • Sponsors
    • Share holders
    • Directors
    • Management Team
    • Bankers
    • Guarantors
    • Customers
    • Suppliers

    Figure 3-15 Sponsors

    Description of configure_stakeholders.png follows
    Description of the illustration configure_stakeholders.png
  11. To add sponsor details, click Sponsors from the left menu and then click Add.
    The Sponsors window is displayed.

    Figure 3-16 Sponsors

    Description of Figure 3-16 follows
    Description of "Figure 3-16 Sponsors"

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

    Table 3-12 Sponsors

    Fields Description
    Individual If the sponsor is an individual, select or type the following sponsor details in the corresponding fields:
    • Promoter Type (select Individual option)
    • Name
    • Age
    • Experience Summary
    • Designation
    • Role
    • Stake Percentage
    • Associated Since
    • Education Qualification
    Corporate If the sponsor is an entity, select or type the following sponsor details in the corresponding fields:
    • Promoter Type (select Corporate option)
    • Name
    • Stake Percentage
  12. Click and expand the Address details section.
  13. Type or select the following details in the corresponding fields:
    • House/Building name
    • Street
    • Locality
    • Landmark
    • Area
    • City
    • State
    • Zip-Code
    • Country
    • Email Address
    • Phone Number
  14. Click Add. Sponsor details are added.

    Note:

    To Edit, Delete or View the added Sponsors. click the hamburger icon in the required list item and select the required option.

    Note:

    For information on adding Share holders, Directors, Management Team, Bankers, Guarantors, Customers, and Suppliers detail, refer Economic Dependency Analysis User Manual.
  15. To add asset details, click Assets from the left menu and then click Add.
    The Assets window is displayed.

    Figure 3-18 Assets


    Description of Figure 3-18 follows
    Description of "Figure 3-18 Assets"

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

    Table 3-13 Assets

    Fields Description
    Name Type the Name of the Asset.
    Currency Search and select the Currency for the asset value.
    Value Specify the asset Value.
    Description Type the asset Description.
    Add Click Add. Asset details are added.

    Note:

    To Edit, Delete or View the added Assets. click the hamburger icon in the required list item and select the required option.
  16. To add covenant details, click Customer Covenants from the left menu.
    The following screen is displayed.

    Figure 3-19 Customer Covenants


    Description of Figure 3-19 follows
    Description of "Figure 3-19 Customer Covenants"

  17. Click the add icon.
    The Covenant Details window is displayed.

    Figure 3-20 Covenant Details


    Description of Figure 3-20 follows
    Description of "Figure 3-20 Covenant Details"

  18. To link existing covenant, click the search icon and select the Covenant code. Covenant name, Covenant description and Classification type are automatically populated.
  19. To create new covenant, click the Click to add new covenant link and type the following details:
    • Covenant code
    • Covenant name
    • Covenant description
    • Classification type
  20. Click and expand the Covenant details section.

    Figure 3-21 Covenant Details


    Description of Figure 3-21 follows
    Description of "Figure 3-21 Covenant Details"

    For process Covenant Details, user can set up extra placeholder fields in the Maintenance screen. For more information on managing these placeholders, refer to the Maintenance User Manual.

    The system supports configuration of up to 20 fields each for the following data types:
    • Text
    • Numeric
    • Boolean
    • Date

    Each field type allows a minimum of 0 and a maximum of 20 fields per Covenant details, based on the requirements. These fields displays in the Covenant Details screen only if they are configured. If no additional fields are defined, the screen will display only the standard covenant details fields.

    For example, we maintained 20 additional fields each for text, numeric, boolean, and date.

    The Covenant Details screen displays.

    Figure 3-22 Covenant Details


    Description of Figure 3-22 follows
    Description of "Figure 3-22 Covenant Details"

  21. Select / type the following in respective fields:
    • Covenant type
    • Covenant Sub Type
    • Notice Days
    • Revision Frequency
    • Revision Days
    • Start Date
    • End Date
    • Formula
    • Target Type
    • Covenant Check Condition
    • Target Value

    Note:

    Covenant details such as Covenant type, Covenant Sub Type, Revision Frequency, Revision days, Formula, Target Type, and Target Value are automatically populated based on the selected covenant.
  22. Click and expand the Others section.
  23. Select the Compliance Status and Waiver Status.
  24. Enter the Last Check Value.
  25. Click the calendar icon and select the Deferred due date.
  26. To capture the monitoring information for the covenant, click and expand the Monitoring Information Details section.

    Figure 3-24 Monitoring Information Details


    Description of Figure 3-24 follows
    Description of "Figure 3-24 Monitoring Information Details"

  27. Select the monitoring information.
  28. Click Save. Covenant details are added.

    Note:

    To filter the required information, click the filter icon and provide the filter parameters or directly type first three characters of the parameter in Type to filter text box.

    To view, edit, or delete a list item, click the hamburger icon in the required list item and select the required option.

    To change the list view to chart view, click the Chart view icon.

  29. To configure conditions for the customer, click Customer Terms & Condition in the left menu and then click Add.
    The Add Conditions window is displayed.

    Figure 3-25 Add Conditions


    Description of Figure 3-25 follows
    Description of "Figure 3-25 Add Conditions"

    For process Conditions Details, user can set up extra placeholder fields in the Maintenance screen. For more information on managing these placeholders, refer to the Maintenance User Manual. The system supports configuration of up to 20 fields each for the following data types:
    • Text
    • Numeric
    • Boolean
    • Date

    Each field type allows a minimum of 0 and a maximum of 20 fields per Conditions details, based on the requirements. These fields displays in the Conditions Details screen only if they are configured. If no additional fields are defined, the screen will display only the standard Conditions details fields. For example, we maintained 20 additional fields each for text, numeric, boolean, and date.

    The Add Conditions screen displays.

    Figure 3-26 Add Conditions


    Description of Figure 3-26 follows
    Description of "Figure 3-26 Add Conditions"

  30. Enable the Customer Linkage switch, if required.
  31. Select the T&C Type. The options available are Pre-disbursement and Post-disbursement.
  32. If the Customer Linkage switch is not enabled, the Facility Id field appears as shown below:

    Figure 3-27 Add Conditions


    Description of Figure 3-27 follows
    Description of "Figure 3-27 Add Conditions"

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

    Table 3-14 Add Conditions

    Fields/ Icons Description
    Conditions Code Search and Select Conditions Code. Conditions Description and Conditions are defaulted based on the selected Conditions code.
    Conditions Description Display the Conditions description. The Conditions description will be defaulted from Conditions maintenance based on the selected Conditions Code and cannot be modified.
    Conditions Clause Specify the Conditions clause. This field defaulted based on the selected Conditions code. The user can input up to 250 characters.
    Notice Days Specify the number of notice days are the number of days before the Due date of a Conditions for the Conditions tracking.
    Grace Days Specify the grace days. The user must update the compliance status within grace days after the due date. If not complied, the status will be marked as breached and the compliance date will be updated to the current date during the end-of-day process using the batch “tncTrackingOverdueBreachJob”.
    Conditions Type Click Create. Conditions are linked to the party and displayed in the Conditions tab.
    Cancel Conditions Type is defaulted based on selected Conditions code. The options available are:

    • Pre-disbursement

    • Post-disbursement

    • Pre-Sanction
    Compliance Status

    Select Compliance Status from drop-down list. The options available are:

    • Met

    • Breached
    Due Date Select the due date.
    Compliance Remarks Enter Compliance Remarks, if required.
    Customer Linkage Customer Linkage details are displayed by default based on selected Conditions code.
    Create Click Create. Conditions are linked to the party and displayed in the Conditions tab.
    Cancel Click the Cancel to cancel and exist the screen.

    Note:

    To filter the required information, click the filter icon and provide the filter parameters or directly type first three characters of the parameter in Type to filter text box.

    To view, edit, or delete a list item, click the hamburger icon in the required list item and select the required option.

    To change the list view to chart view, click the Chart view icon.

    Note:

    For information on adding Exposures detail, refer Economic Dependency Analysis User Manual.
  33. To change the layout of the Customer Info page, click the settings icon at the right corner. Layout options displayed.
  34. Click the required Layout and Link option. Layout is changed.
  35. To go to the next page, click Next. Existing Facilities page with existing facilities details added in simplified CPEP displayed.
  36. To change the table view to table view, click the table view icon at the right corner.
  37. To filter the required facility from all the available existing facilities, click Filter button.
    The Filter window is displayed.

    Figure 3-28 Filter


    Description of Figure 3-28 follows
    Description of "Figure 3-28 Filter"

  38. Type and / or select the Filter parameters.
  39. Click Apply. Existing facilities that matches the filter parameters are displayed.
  40. To filter the existing facilities using single filter parameter, type the parameter directly in Type to filter text box.

    Note:

    Minimum 3 characters need to be entered in the Type to filter text box to filter the facilities.
  41. To go to the next page, click Next. Groupwise Exposure page with exposure details added in Simplified CPEP displayed.
  42. To change the table view to list view, click the list view icon at the right corner.
  43. To filter the required groupwise exposure from the list, click Filter button.
    The Filter window is displayed.

    Figure 3-29 Filter


    Description of Figure 3-29 follows
    Description of "Figure 3-29 Filter"

  44. To modify the provided information, click Back and edit the required information.
    Upon clicking the Next, the Comments page appears.

    The Comments page allows to capture the remarks for the overall process. Posting comments help the user in next stage to better understand the application.

    Figure 3-30 Comments


    Description of Figure 3-30 follows
    Description of "Figure 3-30 Comments"

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

    Table 3-15 Comments

    Fields Description
    Post Type the necessary comments in the text box and click Post. Comment is posted.
    Hold To hold the credit proposal initiation process, click Hold.
    Back To go back to the previous stage, click Back.
    Save & Close To save the process for future edit, click Save & Close.
    Submit To submit the enriched application for evaluation, click Submit.
    Cancel To exit the process without saving the information, click Cancel.
    Upon clicking the Submit, the Policy Exception window is displayed.

    Figure 3-31 Business


    Description of Figure 3-31 follows
    Description of "Figure 3-31 Business"

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

  45. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
  46. Click the Checklist data segment.
  47. Select the Outcome as PROCEED.
  48. Click Submit.

    Upon submitting the credit proposal application, the application is moved to Proposal Enrichment stage.