3.2 Enrich Application

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

The system allows to enrich the already submitted application at any time or enrich the credit application to be submitted during the application creation process itself.

1. From Home screen, click Tasks. Under Tasks, click Free Tasks..
   The My Tasks page is displayed.

   Figure 3-8 Free Tasks

   
   

   
   Description of "Figure 3-8 Free Tasks"

   
   
2. Select the application and click Edit. The Credit Proposal Evaluation Process - Enrichment page is displayed.
3. To enrich the application after application creation process, click Submit and Enrich in the Initiate Credit Proposal Evaluation Process window. Customer Info page is displayed.

Customer Info

This data segment allows to view and modify the basic information captured during credit proposal initiation and add child parties to the party (organization).

Figure 3-9 Customer Info

Description of "Figure 3-9 Customer Info"

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

Figure 3-10 Customer Info

Description of "Figure 3-10 Customer Info"

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

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

   Actions	Functionality
   Add Customer	Displays the Customer Details window for adding customer of the organization
   View	Displays the Customer Details window for viewing organization details
   Quick View	Displays the View Entity Details window
   Configure	Displays the Customer Details window for modifying organization details

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

   Note:

   After creating the customer, right click the customer icon to Add Customer for the customer, View the customer details, Quick View the customer details, Configure the customer information and Delete the customer if required.
6. To View, Quick view, and Configure the organization information, right click the organization icon and click the respective option.
7. To change the layout of the tree view, click the settings icon at the right corner. Layout options appear as shown below:

   Figure 3-11 Party Details

   
   

   
   Description of "Figure 3-11 Party Details"

   
   

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

   Customer Profile

   Table 3-6 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 3-7 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.

8. To add the company address details, click the Address tab and then click the Add icon.
   The Address Details window is displayed.

   Figure 3-12 Address Details

   
   

   
   Description of "Figure 3-12 Address Details "

   
   

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

   Table 3-8 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.
9. To view the organization’s business details, click the Customer Profile in menu and select Business sub-menu.
10. To configure organization’s financial details, click Financial Profile in left menu.
    The Financial profile screen is displayed.

    Figure 3-13 Financial profile

    
    

    
    Description of "Figure 3-13 Financial profile"

    
    
11. Click the Add icon. The following window is displayed.

    Figure 3-14 Add Financial profile

    
    

    
    Description of "Figure 3-14 Add Financial profile"

    
    

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

    Table 3-9 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.

12. To add financial documents, click Upload Financial Document.
    The Financial Documents window is displayed.

    Figure 3-15 Financial Documents

    
    

    
    Description of "Figure 3-15 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 3-16 Balance Sheet Details

    
    

    
    Description of "Figure 3-16 Balance Sheet Details"

    
    

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

    Table 3-10 Balance Sheet Details

    Fileds	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.

13. Click Add. Document is added.
14. 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.
15. To configure projection details, click Projections from the left menu and then click the Add icon.
    The Projections window is displayed.

    Figure 3-17 Projections

    
    

    
    Description of "Figure 3-17 Projections"

    
    

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

    Table 3-11 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

16. Click Add. Organization’s projection details are added.
17. To add projection documents, click Upload Projection Document.
    The Projection Documents window is displayed.

    Figure 3-18 Projection Documents

    
    

    
    Description of "Figure 3-18 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 3-19 Balance Sheet Details

    
    

    
    Description of "Figure 3-19 Balance Sheet Details"

    
    

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

    Table 3-12 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.

18. 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.

Rating

19. To add rating information of the customer, click Rating in the left menu.
20. To configure stakeholders information, click Stakeholders in the left menu and click +Add Ratings.
    The Add Ratings window is displayed.
21. 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 3-20 Sponsors

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

    Figure 3-21 Sponsors

    
    Description of "Figure 3-21 Sponsors"

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

    Table 3-13 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

23. Click and expand the Address details section.

    Figure 3-22 Sponsors

    
    Description of "Figure 3-22 Sponsors"
24. 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
25. 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.
26. To add asset details, click Assets from the left menu and then click Add.
    The Assets window is displayed.

    Figure 3-23 Assets

    
    

    
    Description of "Figure 3-23 Assets"

    
    

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

    Table 3-14 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.
27. To add covenant details, click Customer Covenants from the left menu.
    The following screen is displayed.

    Figure 3-24 Customer Covenants

    
    

    
    Description of "Figure 3-24 Customer Covenants"

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

    Figure 3-25 Covenant Details

    
    

    
    Description of "Figure 3-25 Covenant Details"

    
    
29. To link existing covenant, click the search icon and select the Covenant code. Covenant name, Covenant description and Classification type are automatically populated.
30. 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
31. Click and expand the Covenant details section.

    Figure 3-26 Covenant Details

    
    

    
    Description of "Figure 3-26 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 3-27 Covenant Details

    
    

    
    Description of "Figure 3-27 Covenant Details"

    
    
32. 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.
33. Click and expand the Others section.

    Figure 3-28 Others

    
    

    
    Description of "Figure 3-28 Others"

    
    
34. Select the Compliance Status and Waiver Status.
35. Enter the Last Check Value.
36. Click the calendar icon and select the Deferred due date.
37. To capture the monitoring information for the covenant, click and expand the Monitoring Information Details section.

    Figure 3-29 Monitoring Information Details

    
    

    
    Description of "Figure 3-29 Monitoring Information Details"

    
    
38. Select the monitoring information.
39. 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.

40. 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 3-30 Add Conditions

    
    

    
    Description of "Figure 3-30 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 3-31 Add Conditions

    
    

    
    Description of "Figure 3-31 Add Conditions"

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

    Figure 3-32 Add Conditions

    
    

    
    Description of "Figure 3-32 Add Conditions"

    
    

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

    Table 3-15 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.
44. To change the layout of the Customer Info page, click the settings icon at the right corner. Layout options displayed.
45. Click the required Layout and Link option. Layout is changed.
46. To go to the next page, click Next. Existing Facilities page with existing facilities details added in simplified CPEP displayed.

    Figure 3-33 Other Bank Facilities

    
    

    
    Description of "Figure 3-33 Other Bank Facilities"

    
    
47. To change the list view to table view, click the table view icon at the right corner. View is changed.
48. To filter the required facility from all the available existing facilities, click Filter button.
    The Filter window is displayed.

    Figure 3-34 Filter

    
    

    
    Description of "Figure 3-34 Filter"

    
    
49. Type and / or select the Filter parameters.
50. Click Apply. Existing facilities that matches the filter parameters are displayed.
51. 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.
52. To go to the next page, click Next. Groupwise Exposure page with exposure details added in Simplified CPEP displayed.

    Figure 3-35 Write Up

    
    

    
    Description of "Figure 3-35 Write Up"

    
    
53. To change the table view to list view, click the list view icon at the right corner.
54. To filter the required groupwise exposure from the list, click Filter button.
    The Filter window is displayed.

    Figure 3-36 Filter

    
    

    
    Description of "Figure 3-36 Filter"

    
    
55. Type and / or select the Filter parameters.
56. Click Apply. Existing groupwise exposure that matches the filter parameters are displayed.
57. To filter the groupwise exposure 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 groupwise exposure.
58. To go to the next page, click Next. Connected Parties page with details added in Simplified CPEP displayed.

    Figure 3-37 Initiation - Connected Parties

    
    

    
    Description of "Figure 3-37 Initiation - Connected Parties"

    
    
59. To change the table view to list view, click the list view icon at the right corner.
60. To filter the required connected party from the list, click Filter button.
    Then Filter window is displayed.

    Figure 3-38 Filter

    
    Description of "Figure 3-38 Filter"
61. Type and / or select the Filter parameters.
62. Click Apply. Connected parties that matches the filter parameters are displayed.
63. To filter the connected parties 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 connected parties.
64. To go to the next page, click Next.
    The Funding Requirement page is displayed.

    Figure 3-39 Initiation - Funding Requirement

    
    

    
    Description of "Figure 3-39 Initiation - Funding Requirement"

    
    
65. To change the list view to table view, click the table icon at the right corner.
66. To filter the required facility from the list, click Filter button.
    The Filter window is displayed.

    Figure 3-40 Filter

    
    

    
    Description of "Figure 3-40 Filter"

    
    
67. Type and / or select the Filter parameters.
68. Click Apply. Facility that matches the filter parameters are displayed.
69. To filter the facility 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.
70. To go to the next page, click Next. Collaterals page with collaterals detail added in Simplified CPEP displayed.

    Figure 3-41 Initiation - Collaterals

    
    Description of "Figure 3-41 Initiation - Collaterals"
71. To change the list view to table view, click the table icon at the right corner.
72. To filter the required collateral details from the list, click Filter button. Filter window displayed.
73. Type and / or select the Filter parameters.
74. Click Apply. Collateral details that matches the filter parameters are displayed.
75. To filter the collateral details 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 collateral details.
76. To go to the next page, click Next.
    The Summary page is displayed.

    Figure 3-42 Summary

    
    

    
    Description of "Figure 3-42 Summary"

    
    

    The Summary page displays all the information about the evaluated proposal for easy verification.

77. Click and expand the following sections to verify the information:
    • Entities
    • Existing Facilities
    • Facilities
    • Collaterals
78. Click Next.
79. To view the details in previous data segment, click Back.
    Upon clicking the Next button, Comments page is displayed.

    Figure 3-43 Comments

    
    

    
    Description of "Figure 3-43 Comments"

    
    

    The Comments page allows to capture the remarks for the overall process. Posted comments are displayed at the bottom of the page to enable the user in identifying the previous actions performed by them.

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

    Table 3-16 Comments

    Fields	Description
    Post	Type the necessary comments in the text box and click Post. Comment is posted.
    Hold	To hold the Simplified CPER process, click Hold.
    Back	To go back to the previous page, click Back.
    Save & Close	To save the process for future edit, click Save & Close.
    Submit	To submit the proposal to validation stage, click Submit.
    Cancel	To exit the task without saving the information, click Cancel.

    Upon clicking the Submit button, Policy exceptions window is disdplayed.

    Figure 3-44 Business

    
    

    
    Description of "Figure 3-44 Business"

    
    

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

80. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
81. Click the Checklist data segment.

    Figure 3-45 Checklist

    
    

    
    Description of "Figure 3-45 Checklist"

    
    
82. Enable the Is KYC Required check box, if KYC evaluation task is required to be created.
83. Select the Outcome. The options available are CREDIT EVALUATE and PROCEED.
84. Click Submit.

    If the Outcome is selected as CREDIT EVALUATE, the proposal is moved to Proposal Evaluation stage.

    If the Outcome is selected as PROCEED, the proposal is directly moved to Proposal Review stage.

    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.
85. Type and / or select the filter parameters.
86. Click Apply. Other bank facilities that matches the filter parameters are displayed.
87. To filter the other bank 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.
88. To modify the other bank facility information, Select the required facility and click the edit icon. The Facility Details window is displayed.
89. Modify the required information and click Save.
90. To delete the other bank facility information, Select the facility and click the delete icon.
91. To add other bank facilities detail of the child party, click the down arrow next to the party name in the left corner. Child party list is displayed.
92. Select the required child party. The Other Bank Facilities - [party name] > [child party name] page is displayed.
93. Add the other bank facility information of the child party and click Next. The Write up page is displayed.

Write Up

This data segment allows the user to add writeup for the customer and all their child parties in the available writeup categories. The history of writeup for the customer will be available to the users throughout the customer’s association with the bank.

Note:

Write up data segment appears only if that data segment is enabled in the Maintenance module.

Figure 3-46 Write Up

Description of "Figure 3-46 Write Up"

94. Click the add icon.
    The Write Up window is displayed.

    Figure 3-47 Writeup

    
    

    
    Description of "Figure 3-47 Writeup"

    
    
95. Click the search icon in the Writeup Category field. The Fetch Writeup Category window with the list of categories maintained in the Maintenance module is displayed.

    Figure 3-48 Writeup Category

    
    

    
    Description of "Figure 3-48 Writeup Category"

    
    
96. Click on the required category code. Selected code is displayed in the Writeup Category field.
97. Type the observations in the text box and click Create. The observations are added in the Write Up page as shown below:

    Figure 3-49 Writeup

    
    Description of "Figure 3-49 Writeup"
98. To change the layout of Write up data segment to the expanded view, click the Expanded View icon at the top right corner.
    The Write up is expanded as shown below:

    Figure 3-50 Write up

    
    Description of "Figure 3-50 Write up"

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

    Table 3-17 Write up field and description

    Fields	Description
    Edit	To modify the writeup, click the Edit icon and change the information.
    Remove	To delete the writeup, click the Remove icon. A confirmation message appears.
    Yes	Click Yes. The writeup is removed.
    View history	To view the writeup history, click the View history icon.
    Print	To print the write up, click the Print icon.

99. Click the View complete writeup icon and then click the Print icon to print the write up from tile view.
100. To attach / view writeup related documents, click View Documents icon. The following window appears:

     Figure 3-51 Writeup Documents

     
     Description of "Figure 3-51 Writeup Documents"

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

     Table 3-18 Writeup Documents

     Fields	Description
     Add New Documents.	To add new documents, click Add New Documents.
     Close	To exit the Writeup documents window, click Close.
     Next	To go to the next page, click Next. The Groupwise Exposure page is displayed.

     This data segment allows to capture exposure details of the customers and their connected parties.

     Figure 3-52 Groupwise Exposure

     
101. Click the add icon. The Groupwise Exposure Details window is displayed.

     Figure 3-53 Groupwise Exposure Details

     
     Description of "Figure 3-53 Groupwise Exposure Details"

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

     Table 3-19 Groupwise Exposure Details

     Fields	Description
     Entity Name	In Entity Name field, enter the name of bank from which the organization has availed facility.
     Customer Name	In Customer Name field, enter the name of the party or the child party.
     Relation	Select the Relation as Borrower, if party name is provided in the Customer Name field. If child party name is provided in the Customer Name field, select the Relation as Connected Party.
     Currency	Search and select the Currency in which the facility is offered from the mentioned bank.
     Commitment Status	Select the Commitment Status from the drop don list. The options available are Committed and Uncommitted.

102. Specify the following details about the facility:
     • Approved Limit
     • Outstanding Limit Amount
     • Tenor
103. Click Create. Groupwise exposure details are added and displayed as shown below:

     Figure 3-54 Groupwise exposure

     
     Description of "Figure 3-54 Groupwise exposure"
104. To change the table view to list view, click the list view icon at the right corner.

     Note:

     If the organization or its connected party has availed facility from more than one bank, add all the groupwise exposure details by clicking add icon again.
105. To filter the required groupwise exposure from the list, click Filter button. .
     The Filter window is displayed.

     Figure 3-55 Filter

     Figure 3-56 Filter

     
     Description of "Figure 3-56 Filter"

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

     Table 3-20 Filter

     Field	Description
     Filter	Type and / or select the filter parameters.
     Apply	Click Apply. Existing groupwise exposure that matches the filter parameters are displayed.
     Type to filter	To filter the groupwise exposure 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 groupwise exposure.
     Select	To edit the groupwise exposure information, Select the required exposure from the list. Edit icon is enabled.
     Edit	Click the Edit icon. Groupwise Exposure Details window appears.
     Save	Modify the required information and click Save.
     Delete	To delete the groupwise exposure information, Select the exposure and click Delete icon.

106. To add groupwise exposure detail of the organization’s customer, click the arrow next to the organization name in the top left corner. Customer list appears.
107. Select the required customer. Groupwise Exposure - [organization name] > [customer name] page appears.
108. Add the groupwise exposure information of the customer and click Next. Connected Parties page appears.

     If the party’s connected party is already linked with your bank, the connected party information can be added during proposal initiation.

     Figure 3-57 Connected Parties

     
     Description of "Figure 3-57 Connected Parties"
109. Click the add icon.
     The Connected Parties Details window appears.

     Figure 3-58 Connected Parties Details

     
     Description of "Figure 3-58 Connected Parties Details"

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

     Table 3-21 Connected Parties Details

     Fields	Description
     Customer No	Search and select the Customer No of the connected party.
     Fetch Details	Click Fetch Details. Following details about the connected party are fetched and displayed: Name Total Gross Facility Total Net Facility Cash Cover Approved Funded Sell Down Approved Unfunded Sell Down Facility Details
     Facility Details	To change the view of Facility Details, click the required icon from List View, Table View and Tree View icons.
     Create	Click Create. Connected party details are added and displayed in the Connected Parties page.
     List view	To change the table view to list view, click the List view icon at the right corner. Note: If the organization has more than one connected party in your bank, add all the connected parties details by clicking add icon again.

110. To filter the required connected party from the list, click Filter button.
     The Filter screen is displayed.

     Figure 3-59 Filter

     
     Description of "Figure 3-59 Filter"

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

     Table 3-22 Filter

     Fields	Description
     Filter	Type and / or select the Filter parameters.
     Apply	Click Apply. Connected parties that matches the filter parameters are displayed.
     Type to filter	To filter the connected parties 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 connected parties.
     Select	To edit the connected party details, Select the required party from the list. Edit icon is enabled.
     Edit	Click the Edit icon. Connected Party Details window appears.
     Save	Modify the required information and click Save.
     Select	To delete the connected party, Select the party and click delete icon.
     Customer list	To add connected party details of the organization’s customer, click the arrow next to the organization name in the top left corner. Customer list appears.
     Required customer	Select the Required customer. Connected Parties - [organization name] > [customer name] page appears.
     Next	Add the connected party details of the customer and click Next. The Funding Requirement page is displayed.

     Funding Requirement

     You can capture the funding requirement of your customer (party) in this data segment by adding a facility for the party. If all the details are available, it can be captured in this stage. Otherwise, the details can be captured in further stages.

     The facility can be either directly created or created using the Facility Template maintained at the Maintenance module.

     Before creating the facility, Liability details must be captured for the facility.

     Note:

     Liability details cannot be captured, if the Group Concentration Limit application is selected during credit proposal initiation.

     Figure 3-60 Funding Requirement

     
     Description of "Figure 3-60 Funding Requirement"

     If the Take Over check box is selected while adding existing facility, the added existing facility is displayed in the Funding Requirement page.

111. To add the liability details, expand and mouse hover on the Liability details section. The Edit icon is displayed.
112. Click the Edit icon.
     The Liability Details window is displayed.

     Figure 3-61 Liability Details

     
     

     
     Description of "Figure 3-61 Liability Details"

     
     

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

     Table 3-23 Liability Details

     Fields	Description
     Currency	In the Requested Liability Currency field, search and select the currency in which the liability is requested by the entity.
     Amount	Specify the following details: Requested Liability Amount - Liability amount requested by the entity Return On Capital - 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 Proposed Funded Sell Down - Funded sell down proposed for the entity Proposed Unfunded Sell Down - Unfunded sell down proposed for the entity Approved Funded Sell Down - Funded sell down approved for the entity Approved Unfunded Sell Down - Unfunded sell down approved for the entity
     Dates	Select the Next Review Date for the Credit Proposal application. Select the Requested Expiry Date for the liability based on your customer request.

113. Click Save. Details are updated in the Liability details section.
114. To view the added Liability, mouse hover on the Liability details section and click View.
115. To directly add the facility without using template, click the add icon.
     The New Facility window is displayed.

     Figure 3-62 New Facility

     
     

     
     Description of "Figure 3-62 New Facility"

     
     

     In the New Facility window, you can link the other bank facility and / or create new facility by adding the necessary information.

116. To link the other bank facility with a facility, enable the Link existing facility check box.

     For information on fields in the New Facility screen, refer the below tables.

     To add a new funding requirement:

     Table 3-24 New Facility

     Fields	Description
     Line Code	Type the Line Code.
     Line Serial Number	Type the Line Serial Number.
     Facility Description	Type the Facility Description.
     Parent Facility Id	Select the Parent Facility Id from the drop down list.
     Facility Type	Choose the Facility Type. The options available are Funded and Non Funded.

     You can restrict creation of sub-facility of type other than the selected type by enabling the Cascade check box. For example, if the Facility Type is selected as Funded and the Cascade check box is enabled, the sub-facility of type Non Funded cannot be created.

     Table 3-25 New Facility

     Fields	Description
     Facility Category	Select the Facility Category from the drop down list.
     Currency	Search and select the Currency in which the facility has to be offered.
     Requested Amount field	Specify the amount requested by the organization in Requested Amount field.
     Next Review Date	Click the calendar icon and select the Next Review Date for the facility.
     Tenor	Type the Tenor for the facility.
     Line Expiry Date	Select the Line Expiry Date.
     Availability Period	Specify the Availability Period for the facility.
     Commitment Status	Choose the Commitment Status for the facility. The options available are Committed and Uncommitted.

     You can restrict creation of committed / uncommitted sub-facility for this facility by enabling the Cascade check box. For example, if the Commitment Status is selected as Committed and the Cascade check box is enabled, the uncommitted sub-facility cannot be created, and vice versa.

     Table 3-26 New Facility

     Fields	Description
     Secured	Enable the Secured? switch, if collaterals are available for the facility. You can restrict creation of unsecured sub-facilities for this facility by enabling the Cascade check box along with the Secured? switch.
     Revaluation Required	Enable the Revaluation Required check box, if the facility has to be re-valuated during EOD batch process using the exchange rate maintained at the facility level.
     Rate Agreement Required	Enable the Rate Agreement Required check box, if the exchange rate maintained at the facility level has to be applied in case of cross currency utilization and block transactions and revaluation
     Save	To save the details and exit the New Facility window, click Save.
     Save & Configure	To add further details about the facility, click Save & Configure.
     Cancel	To exit the New Facility window without saving the information, click Cancel.

     Note:

     Project Id field appears in the New Facility or Facility Details window, in case the party is a stakeholder in any of the projects. You can select the required project for linking with the facility based on requirement.
117. To create the facility using template, click the Facility Template (T) icon.
     The Facility Template Window is displayed.

     Figure 3-63 Facility Template

     
     

     
     Description of "Figure 3-63 Facility Template"

     
     
118. Search and select the Template Code maintained at the Maintenance module. Facility Template associated with the Template Code is displayed.
119. To add additional facility to the Facility Template, click the right arrow at the left side. Available Facility section expands as shown below.

     Figure 3-64 Facility Template

     
     

     
     Description of "Figure 3-64 Facility Template"

     
     
120. Drag and drop the required facility from the Available Facility section to the Facility Template section.
121. To capture the facility details, click the facility in the Facility Template section. Fields related to the facility appear as shown below:

     Figure 3-65 Facility Template

     
     

     
     Description of "Figure 3-65 Facility Template"

     
     

     For information on fields in the Facility Template screen, refer the below tables.

     Table 3-27 Facility Template

     Fields	Description
     Facility Description	Type the Facility Description.
     Next Review Date	Select / specify the Next Review Date for the facility
     Currency	Search and select the Currency for the Requested Amount.
     Requested Amount	Specify the Requested Amount.
     Save	Click Save.

122. After providing details for all the facilities in the Facility Template section, click Submit. Facility is created and listed as shown below.

     Figure 3-66 Funding Requirement

     
     Description of "Figure 3-66 Funding Requirement"

     If the Take Over check box is not enabled while adding existing facilities, the user can link the existing facilities with the funding requirement using this option.

123. Click the Link Existing Facilities icon next to the Add New Facility icon. The Link Existing Facilities window listing all the existing facilities is displayed.

     Figure 3-67 Link Existing Facilities

     
     Description of "Figure 3-67 Link Existing Facilities"
124. To filter the required existing facility, click the Filter icon and select the search parameters or directly specify the existing facility in the Type to filter text box.
125. To change the layout of the Link Existing Facilities window, use the List View and Table view icons at the top right corner.
126. Select the required existing facility and click Link. Existing facility is added to the funding requirement page.

     Note:

     In the Business Process configuration, the sub menus such as Fee Details, and Pricing can be configured to appear in the facility details window in various stages.

     If it is configured to appear in Initiation stage, refer Modifying Facility Details for information.

127. After adding facilities, click Next. The Collaterals page is displayed.

     Collaterals

     This data segment allows you to add details about the collaterals submitted by your customer to the bank.

     Figure 3-68 Collaterals

     
     Description of "Figure 3-68 Collaterals"
128. Click the Add icon.
     The Basic Details window is displayed.

     In this page, you can select a collateral type and capture basic details about the collateral.

     Figure 3-69 Basic Details

     
     Description of "Figure 3-69 Basic Details"

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

     Table 3-28 Basic Details

     Fields	Description
     Collateral Id	Specify a unique ID for collateral in the Collateral Id field.
     Collateral Type	Select the Collateral Type from the drop down list. The options available are: Accounts Contracts Crop Commercial Paper Perishable Commodity PDC Bill of Exchange Promissory Note Machine Deposits Bond Stock Fund Vehicle Guarantee Property Aircraft Insurance Precious Metals Ship Accounts Receivables Cash Collaterals Inventory
     Collateral Category	Select the Collateral Category from the drop down list. Collateral categories are listed based on the selected Collateral Type.
     Collateral Currency	Click the search icon in Collateral Currency field and select the currency for collateral value.
     Collateral Value and the Held Collateral Value	Specify the Collateral Value and the Held Collateral Value in corresponding fields.
     Collateral Start Date and Collateral End Date	Click the calendar icon and select the Collateral Start Date and Collateral End Date. Collateral will be effective only during the mentioned period.
     Collateral Expiry Date	Click the calendar icon and select the Collateral Expiry Date. This is the actual expiry date of the collateral. For example, if the collateral type is selected as Bill of Exchange, collateral expiry date is the expiry date mentioned in the Bill of Exchange.
     Charge Type	Select the Charge Type based on selected Collateral Type. The options available are Hypothecation, Pledge, and Lien.
     Seniority of Charge	Select the bank’s Seniority of Charge on the collateral. The options available are: First, Second, and Third.
     Collateral Status	Select the Collateral Status from the drop down list.
     LGD Type	Select the LGD Type (Loss Given Default Type) from the drop down list. The bank will take action on loss given default based on the option selected in this field.
     Collateral Classification	Select the Collateral Classification from the drop down list. The options available are: Secured, Unsecured, and Liquid.
     LTV %	Specify the collateral’s loan to value percentage in LTV % field.
     Tangible	Enable the Tangible flag, if the collateral is tangible.
     Document Status	Select the Document Status from the drop down list. The options available are: Submitted, Released, Not Submitted, and Partially Submitted.
     Collateral Description	Specify a brief description about the collateral in Collateral Description field.
     Remarks	Capture Remarks about the collateral.

129. Click Next. The Collateral Details page is displayed.

     Note:

     In the Initiation stage, you can enter all the details about the collaterals if information is available. Otherwise, only the collateral Basic Details can be enriched in the further stages.

     Refer Collateral Details for more information on adding collateral details.

     The Summary page displays a preview of actions performed in the previous pages for verification purpose.

     Figure 3-70 Summary

     
     

     
     Description of "Figure 3-70 Summary"

     
     
130. Click and expand the following sections to view detailed information about the entities:
     • Pricing
     • Entities
     • Other Bank Facilities
     • Facilities
     • Collaterals
131. If modification is not required, click Next.
132. 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 3-71 Comments

     
     

     
     Description of "Figure 3-71 Comments"

     
     

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

     Table 3-29 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 3-72 Business

     
     

     
     Description of "Figure 3-72 Business"

     
     

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

133. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
134. Click the Checklist data segment.

     Figure 3-73 Checklist

     
     

     
     Description of "Figure 3-73 Checklist"

     
     
135. Select the Outcome as PROCEED.
136. Click Submit.

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