4.1 Credit Evaluation

This topic provides systematic instructions about the Credit Evaluation data segment in Simplified Credit Proposal Evaluation User Manual stage.

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

  1. From Home screen, click Tasks. Under Tasks, click Free Tasks.
    The Free Tasks page 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.
    The Credit Evaluation - Summary page summarizing the proposal is 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 window is displayed.

    Figure 4-3 Industry Details

    Description of Figure 4-3 follows
    Description of "Figure 4-3 Industry Details"
  4. Click Close to exit the Industry Details window.
  5. To view the overview of the organization, click the entity overview icon in Customer Information section.
    The Entity Overview window is displayed.

    Figure 4-4 Entity Overview

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

    Figure 4-5 Layout

    Description of Figure 4-5 follows
    Description of "Figure 4-5 Layout"
  7. Select the required layout. Entity Overview is changed to the selected layout as shown below.
  8. To exit the Entity Overview window, click Close.

    In Customer Information section, the count of Share Holders, Contractors, Guarantors, and Bankers is displayed.

  9. To view the detailed information about the Share Holders, Contractors, Guarantors, and Bankers, click the respective count numbers.

    Note:

    For more information on actions that can be performed in the Summary page, Refer Credit 360 User Guide.
  10. After reviewing the Summary, click Next.
    The Credit Evaluation page is displayed.

    Figure 4-7 Credit Evaluation

    Description of Figure 4-7 follows
    Description of "Figure 4-7 Credit Evaluation"

    In Credit Evaluation page, you can perform the following analysis for the party and the child parties by answering simple questions related to the analysis:

    • Quantitative Analysis
    • Qualitative Analysis
  11. To perform sector analysis in Quantitative Analysis, click Evaluate in Sector Analysis section.
    The Questionnaire window is displayed.

    Figure 4-8 Questionnaire

    Description of Figure 4-8 follows
    Description of "Figure 4-8 Questionnaire"
  12. Select answers for the available questions and click Next Category.
  13. 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.

  14. Click Save.
  15. To perform other analysis in Quantitative Analysis, click Evaluate in Other Analysis section and answer the questions.

    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"
  16. After performing the qualitative analysis, click Qualitative Analysis tab.
    The Qualitative Analysis page is displayed.

    Figure 4-10 Credit Evaluation - Qualitative Analysis

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

    In the Qualitative Analysis page, the user can capture the party’s Account Conduct, perform Peer Analysis, and review Financial Analysis, Covenant Analysis, and T&C Analysis.

  17. To capture the account conduct, click Edit in the Account Conduct tile.
    The Account Conduct window is displayed.

    Figure 4-11 Account Conduct

    Description of Figure 4-11 follows
    Description of "Figure 4-11 Account Conduct"

    In the Account Conduct window, party’s conduct for the following accounts can be captured:

    • Current Account
    • Loan Account
    • Deposit Account
  18. To add current account conduct details, click Add in the Current Accounts tab.

    Figure 4-12 Current Account Performance Details

    Description of Figure 4-12 follows
    Description of "Figure 4-12 Current Account Performance Details"

    For information on fields in the Current Account Performance Details screen, refer the below table.

    Table 4-1 Current Account Performance Details

    Fields Description
    Details Provide the following details about the party’s current account:
    • Current Account No
    • Branch
    • Currency
    • Average Credit Balance
    • Average Debit Balance
    • Limit
    • Current Balance
    • No Of Excess in 6 Months
    OK Click OK. The details are added and listed in the Account Conduct window.
    Current Accounts To refresh the Current Accounts section, click the Refresh button.
    View, Edit or Delete To View, Edit or Delete the Account Conduct details, select the corresponding record from the list and click the required option.
    Post Post comments for the account conduct in the Comments text box.
    Account Conduct After adding conduct details for the Loan Accounts and Deposit Accounts, click Close. The Account Conduct tile is updated with the number of current, loan and savings accounts added.
    Evaluate 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.
    Review To perform Financial Analysis, Covenant Analysis, and T&C Analysis in Qualitative Analysis, click Review in the corresponding tile and answer all the questions.
    Edit To perform the analysis again, click Edit.
    Comment To capture comments for the analysis, click Comment.
  19. After performing the qualitative analysis for both the organization and its connected parties, click Next in the Credit Evaluation page.
    The Comments page is displayed.

    Figure 4-13 Comments

    Description of Figure 4-13 follows
    Description of "Figure 4-13 Comments"
  20. Type the overall Comments for the credit evaluation and click Post. Comment is posted below the Comments box.
  21. Click Submit.
    The Policy Exception window is displayed.

    Figure 4-14 Business


    Description of Figure 4-14 follows
    Description of "Figure 4-14 Business"

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

  22. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
  23. Click the Checklist data segment.
  24. Select the Outcome as PROCEED, if additional information is not required. Otherwise select the Outcome as Additional Info.
  25. Click Submit.

    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