6 Proposal Structuring

This topic proides systematic instructions about the Proposal Structuring stage in the Simplified Credit Proposal Evaluation 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, click Tasks. Under Tasks, click Free Tasks..
    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 Acquire & Edit.
    The Proposal Structuring - Summary page is displayed.

    Figure 6-2 Proposal Structuring - Summary

    Description of Figure 6-2 follows
    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 window is displayed.

    Figure 6-3 Industry Details

    Description of Figure 6-3 follows
    Description of "Figure 6-3 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 appears.

    Figure 6-4 Entity Overview

    Description of Figure 6-4 follows
    Description of "Figure 6-4 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 6-5 Layout

    Description of layout.png follows
    Description of the illustration layout.png
  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 Proposal Structuring page 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 Proposal Initiation Chapter.

    In the Proposal Approval stage, Approve, Reject, and Send Back icons appear. To Approve, Reject or Send Back the proposal, select the corresponding record from the list and click the required icon.

  11. To view the liability details, mouse hover on the Liability Details section. View icon appears.
  12. Click the view icon.
    The Liability Details window is displayed.

    Figure 6-8 Liability Details

    Description of Figure 6-8 follows
    Description of "Figure 6-8 Liability Details"
  13. To exit the Liability Details window, click Ok.
  14. To propose the amount, select the facility and click edit icon.
    The Facility Details window is displayed.

    Figure 6-9 Facility Details

    Description of Figure 6-9 follows
    Description of "Figure 6-9 Facility Details"

    Note:

    For information about Schedule, Exposure, Fee, Pool Linkage, Pricing, Credit Rating and FX Rate Revaluation menus, refer Funding Requirement section in Proposal Initiation Chapter.
  15. Specify the Proposed Amount. and Click Save in the Facility Details window
  16. To go to the Collaterals page, click the Collaterals tab.
    The Collaterals page is displayed.

    Figure 6-10 Collaterals

    Description of Figure 6-10 follows
    Description of "Figure 6-10 Collaterals"

    Note:

    For information about filter, add, edit, delete, and layout options, refer Collaterals.
  17. To go to the Covenants page, click the Covenants tab.

    Figure 6-11 Proposal Structuring - Covenants

    Description of Figure 6-11 follows
    Description of "Figure 6-11 Proposal Structuring - Covenants"
  18. To view details about the already added covenant, click and expand the Overview section.
  19. To add new covenant, click the add icon.
    The Covenant Details window is displayed.

    Figure 6-13 Covenant Details


    Description of Figure 6-13 follows
    Description of "Figure 6-13 Covenant Details"

    For RSO Covenant Details, additional placeholder fields can be configured in 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 condition details fields.

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

    The Covenant Details screen displays.

    Figure 6-14 Covenant Details


    Description of Figure 6-14 follows
    Description of "Figure 6-14 Covenant Details"

  20. Select / type the following in respective fields:
    • Covenant Id
    • Covenant Name
    • Covenant Description
    • Classification Type
  21. To set the covenant condition, click and expand the Covenant Details section.

    Figure 6-15 Covenant Details


    Description of Figure 6-15 follows
    Description of "Figure 6-15 Covenant Details"

  22. Enter / select the following in respective fields:
    • Covenant Type
    • Notice Days
    • Revision Frequency
    • Start Date
    • End Date
    • First Review Date
    • Grace Days
  23. Click and expand the Others section.
  24. Select the Compliance Status and Waiver Status.
  25. Enter the Last Check Value.
  26. To capture the monitoring information for the covenant, click and expand the Monitoring Information Details section.

    Figure 6-17 Monitoring Information Details


    Description of Figure 6-17 follows
    Description of "Figure 6-17 Monitoring Information Details"

  27. Select the monitoring information.
  28. To link the covenant with the facility, click and expand the Facility Linkage Details section.

    Figure 6-18 Facility Linkage Details

    Description of Figure 6-18 follows
    Description of "Figure 6-18 Facility Linkage Details"
  29. Select Facility. Facility details such as Facility Type, Facility Category and Facility Description are automatically populated.
  30. Click Save. Covenant details are added and displayed in the Covenants page.

    Note:

    For information about filter, add, edit, delete, and layout options, refer any section in Proposal Initiation Chapter.
  31. To go to the Terms & Condition page, click the Terms & Conditions tab.

    Figure 6-19 Terms & Conditions

    Description of Figure 6-19 follows
    Description of "Figure 6-19 Terms & Conditions"
  32. To add new terms & conditions, click the add icon.
    The Add Terms And Conditions window is displayed.

    Figure 6-20 Add Terms And Conditions

    Description of Figure 6-20 follows
    Description of "Figure 6-20 Add Terms And Conditions"

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

    Table 6-1 Add Terms And Conditions

    Fields Description
    T&C Type Select the T&C Type. The options available are Pre-disbursement and Post-disbursement.
    Facility Id To link the facility with the terms & conditions, select the required Facility Id from the drop down list.
    Condition Code Type the Condition Code and the Terms & Conditions.
    Add Click Add. Terms & Conditions are added and displayed in Terms & Conditions page.

    Note:

    For information about filter, edit, delete, and layout options, refer any section in Proposal Initiation Chapter.
  33. Click Next.
    The Comments page is displayed.

    Figure 6-21 Comments

    Description of Figure 6-21 follows
    Description of "Figure 6-21 Comments"
  34. Post comments, if required. Posted comment is displayed below the Comments box.
  35. Click Submit.
    The Policy exceptions window is displayed.

    Figure 6-22 Business


    Description of Figure 6-22 follows
    Description of "Figure 6-22 Business"

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

  36. To view the policy exception detail specific to party or child party, select the party from the drop down list at top left corner.
  37. Click the Checklist data segment.
  38. Select the Outcome as PROCEED, if additional information is not required. Otherwise select the Outcome as Additional Info.
  39. Click Submit. The proposal is sent to the 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.