6 Proposal Structuring

This topic provides systematic instructions about the Proposal Structuring Stage in Simplified Credit Proposal Evaluation Restructuring process.

In this stage, the banker can propose an amount to the organization based on the scores obtained for each evaluation. Additionally, already added information about the collaterals, covenants, and terms & conditions can be viewed, modified and deleted or new collaterals, covenants, and terms & conditions can be added in this stage.

Steps to structure credit proposal

To structure the credit proposal, perform the following steps:

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

    Figure 6-1 Free Tasks

    Description of Figure 6-1 follows
    Description of "Figure 6-1 Free Tasks"
  2. Select the required application and click Edit.
    The Credit page summarizing the proposal is displayed.

    Figure 6-2 Proposal Structuring - Summary

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    Description of "Figure 6-2 Proposal Structuring - Summary"
  3. To view the sector and industry information, click the industry icon in customer information section.
    The Industry Details screen is displayed.

    Figure 6-3 Industry Details

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    Description of "Figure 6-3 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 window appears.

    Figure 6-4 Entity Overview

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    Description of "Figure 6-4 Entity Overview"
  5. To change the layout of the entity overview, click the configuration icon at the top right corner.
    The Layout screen is displayed.

    Figure 6-5 Layout

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    Description of the illustration layout.png
  6. Select the required layout. Entity Overview is changed to the selected layout as shown below.

    Figure 6-6 Entity Overview

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    Description of "Figure 6-6 Entity Overview"

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

    Table 6-1 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 Proposal Structuring screen is displayed.

    Figure 6-7 Proposal Structuring

    Description of Figure 6-7 follows
    Description of "Figure 6-7 Proposal Structuring"

    Note:

    For information about filter, add, edit, delete, and layout options, refer Funding Requirement section in Restructuring Initiation Chapter.