3 SME CP Initiation - Enrichment

This topic describes the systematic instructions for SME CP Initiation - Enrichment.

Following data segments are enabled in SME CP Initiation - Enrichment stage.
  • Customer info
  • KYC Check
  • Other Bank Facilities
  • Write up
  • Summary
  • Comments

Steps to enrich SME CP Initiation - Enrichment

  1. In OBCFPM home screen click Tasks under Tasks, click on My Tasks
    The My Tasks screen displays.

    Figure 3-1 My Tasks


    Description of Figure 3-1 follows
    Description of "Figure 3-1 My Tasks"

  2. Click on Edit.
    The SME CP Initiation - Enrichment screen displays.

    Figure 3-2 SME CP Initiation - Enrichment


    Description of Figure 3-2 follows
    Description of "Figure 3-2 SME CP Initiation - Enrichment"

  3. Click Action buttonicon.
    Following actions are available:
    • Add Customer
    • Configure
    • Link Customer
    • View
    • Quick View
  4. Click Configure.
    The Party Details screen displays.

    Figure 3-3 Party Details


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

Customer Profile

  1. Click Customer Profile.
    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-1 Demographic Details

    Fields Description
    Registration Number Specify the Registration Number.
    Organization Name Displays the Organization Name.
    Organization Type Specify the Organization Type.

    The available options are:

    • Conglomerate
    • Single
    Short Name Displays the Short Name.
    Branch Code Displays the Branch Code.
    Legal Entity Type Displays the Legal Entity Type.
    Customer Category Displays the Customer Category.
    Classification Type Specify the Classification Type.

    The available options are:

    • Micro
    • Small
    • Medium
    Demographic Type Specify the Demographic Type.

    The available options are:

    • Domestic
    • Global
    Geographical Spread Click Search icon and specify the Geographical Spread.
    Country Of Incorporation Click Search icon and specify the Country Of Incorporation.
    Country Of Risk Click Search icon and specify the Country Of Risk.
    Place Of Incorporation Specify the Place Of Incorporation
    Incorporation Date Specify the Incorporation Date.
    Established Date Specify the Established Date.
    Upload Logo Click Upload Logo, to upload the company logo file.
    Relationship Manager Displays the Relationship Manager.
    Fetch Customer Access Group Click Search icon and select Customer Access Group.
    Country Of Tax Click Search icon and select Country Of Tax.
    Tax Identification Number Specify the Tax Identification Number.
    Good and Services Tax Id Specify the Good and Services Tax Id.
    Website Specify the Website.
    Facebook URL Specify the Facebook URL.
    Twitter URL Specify the Twitter URL.
    Employee Strength Specify the Employee Strength.
    No. Of Years In Business Specify No. Of Years In Business.
    No. Of Companies In the Group Specify No. Of Companies In the Group.
    Is Special Customer ? Specify is Special customer or not.
    Is Blocklisted? Specify is blocklisted or not.
    Is KYC Complaint? Specify the KYC complaint.
    Last KYC Date Specify the Last KYC Date.
    Listed Specify is listed or not.
    Language Click Search icon and specify the Language.
    Media Click Search icon and specify the Media.

    Table 3-2 KYC Details

    Fields Description
    Received Enable Received option, if KYC verification details are received for the party.
    Verification Date Click Calendar icon and select KYC Verification Date.
    Effective Date Click Calendar icon and select KYC Effective Date.
    Verification Method Enter the KYC Verification Method.

    For example: Field verification.

    Click Save to save the details.
  2. To add the party address details in Demographic Details screen, click Address tab and then click + icon.
    The Add Address screen displayed.

    Figure 3-4 Add Address


    Description of Figure 3-4 follows
    Description of "Figure 3-4 Add Address"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-3 Add Address

    Fields Description
    Address Type Specify the Address Type. The available options are:
    • Head Office
    • Registered Office
    • Branch Office
    • Communication Address
    Location Click Search icon and specify the Location.
    Address From Click Calendar icon and select KYC Address From.
    Address To Click Calendar icon and select KYC Address To.
    Country Click Search icon and specify the Country.
    Address Line 1 / Building Name Specify the Address Line 1 / Building Name.
    Address Line 2 / Street Name Specify the Address Line 2 / Street Name.
    Address Line 3 / City / Town Name Specify the Address Line 3 / City / Town Name.
    Zip Code / Post Code Specify the Zip Code / Post Code.
    Address Source Specify the Address Source.
    Additional Info Click Additional Info. The following options are displayed. Enter the details in the below fields:
    • Department
    • Sub Department
    • Building Number
    • Floor
    • Post Box
    • Room
    • Town Location Name/ Locality
    • District Name
    • Landmark
    • Contact Name/ Narrative

    Table 3-4 Media For Address

    Fields Description
    ISD Code Specify ISD Code.
    Mobile Number Specify Mobile Number.
    Preferred Specify is preferred or not.
    Email Id Specify Email Id.
  3. To view Rating in Demographic Details screen, click Rating.
    The Rating screen is displayed with Credit Rating details for below fields.
    • Year
    • Rating Date
    • Outlook
    • Agency
    • Rating
    • Actions

    Figure 3-5 Rating


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

  4. To add new rating click + icon.
    The Add Rating screen displays.

    Figure 3-6 Add Rating


    Description of Figure 3-6 follows
    Description of "Figure 3-6 Add Rating"

    For more information on fields, refer to the field description table.

    Table 3-5 Add Rating

    Fields Description
    Rating Date Click Calendar icon and select Rating Date.
    Outlook Select Outlook. The available options are
    • Positive
    • Neutral
    • Negative
    Year of Rating Year of Rating is displayed by default.
    Rated By Select Rated By from the below list:
    • MRS
    • Moodys
    • S and P
    • Fitch
    Risk Rating Select Risk Rating from the below list:
    • BBB
    • BBB+
    • A-
    • A+
    • AA-
    • AA
    • AA+
    • CCC+
    • B-
    • B
    • BB+
    • AAA
    • BBB

Financial Profile

  1. To Upload / Add party’s financial details, click Financial Profile in left menu.
    The Financial profile screen is displayed.

    Figure 3-7 Financial Profile


    Description of Figure 3-7 follows
    Description of "Figure 3-7 Financial Profile"

    Click Add icon. The Add Financial Profile screen displays.

    Note:

    The fields marked as Required are mandatory.

    Figure 3-8 Add Financial Profile


    Description of Figure 3-8 follows
    Description of "Figure 3-8 Add Financial Profile"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-6 Add Financial profile

    Fields Description
    Financial Year Specify Financial Year for which the party’s financial details are to be added.
    Details Specify the following details in the corresponding fields:
    • Balance Sheet Size and currency from drop-down list
    • Operating Profit and currency from drop-down list
    • Net Profit and currency from drop-down list
    • Year Over Year Growth
    • Return On Investment
    • Return On Equity
    • Return On Asset
    • Capital Adequacy Ratio
    • Cost to Income ratio
    • Equity
    • Gross Impaired Loans
    • Liquid assets
    • Loan Loss Res / Impaired Loans
    • Loan-to-Deposit Ratio
    • NPA coverage ratio
    • NPA ratio
    • Return on Avg Equity
    • Return on Avg Assets
    • Tier 1 CAR
    • Total Assets
    • Unreserved Equity
    Save Click Save. Party’s financial details are added.
  2. To add financial documents, click Upload Financial Document.
    The Financial Documents screen displayed.

    Figure 3-9 Financial Documents


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

    In the Financial Documents, the user can Add the following documents by clicking respective tabs.
    • Balance Sheet
    • Profit & Loss Statement
    • Cash Flow Statement

    Click Add in any of the above tabs, the following window to upload documents is displayed.

    Note:

    The fields marked as Required are mandatory.

    Figure 3-10 Balance sheet details


    Description of Figure 3-10 follows
    Description of "Figure 3-10 Balance sheet details"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-7 Balance Sheet Details

    Fields Description
    Period Select Period for which the financial document is to be added.
    Quarter Select 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 Chart view icon to change the List view to Chart view.

Projections

  1. To Upload / Add projection details, click Projections from the left menu and then click the Add icon.
    The Projections screen displays.

    Figure 3-11 Projections


    Description of Figure 3-11 follows
    Description of "Figure 3-11 Projections "

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-8 Projections

    Fields Descriptions
    Year Specify Year for which the party’s projection details are to be added.
    Currency Search and select 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
    Save Click Save. Party’s projection details are added.

Stake Holders

  1. User can add information about the following stakeholders by clicking the Stake Holders menu:
    • Owners
    • Authorized Signatories
    • Guarantors
    • Suppliers
    • Bankers
    • Insurers
    • Buyers
    • Management Team
    • Sponsors
    • Debtors
    • Creditors
    • Advisor
    • Auditors
    • Directors
    • Contractors
    • Shareholders
    • Customers

    Figure 3-12 Stake Holders


    Description of Figure 3-12 follows
    Description of "Figure 3-12 Stake Holders"

    To Add Owners

    Click + to add new owners. The Add Owners screen is displayed with following options:
    • Enter existing CIF/Party Id or
    • Select from the recently added stakeholders or
    • Click Next to onboard a new stakeholder

    Figure 3-13 Add New Bankers


    Description of Figure 3-13 follows
    Description of "Figure 3-13 Add New Bankers"

    To Enter Existing CIF/Party Id

    Specify Enter CIF/Party Id or click search, the Search Party screen is displayed.

    Select Individual or Non-Individual check box. Enter the field details or click Fetch. The Stakeholders details are displayed.

    Figure 3-14 Search Party


    Description of Figure 3-14 follows
    Description of "Figure 3-14 Search Party"

    Select from the Recently Added Stakeholders

    Select Recently Added Stakeholder from the drop-down list.

    Select Next to onboard a new stakeholder

    Click Next, the Add New Owners screen is displayed. Select Stakeholder Type and enter the field details for the below fields and click Next.
    • Basic info & Citizenship
    • ID Details
    • Address

    Figure 3-15 Add New Bankers


    Description of Figure 3-15 follows
    Description of "Figure 3-15 Add New Bankers"

Assets

  1. To add asset details, click Assets from the left menu and then click Add.
    The Assets screen displays.

    Figure 3-16 Assets


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

    Figure 3-17 Add Assets Details


    Description of Figure 3-17 follows
    Description of "Figure 3-17 Add Assets Details"

    For more information on fields, refer to the field description table.

    Table 3-9 Assets

    Fields Description
    Name Enter Name of the Asset.
    Value Specify the asset Value and select currency from the drop-down list.
    Description Enter Description of the Asset.
    Save Click Save. Asset details are added.

Customer terms and conditions

  1. To add new terms & conditions, click + icon.
    The Add terms and conditions screen displays.

    Figure 3-18 Add Terms and Conditions


    Description of Figure 3-18 follows
    Description of "Figure 3-18 Add Terms and Conditions"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-10 Add Terms and Conditions

    Fields Description
    Condition Code Search and Select Condition Code. Condition Description and Terms & Conditions are defaulted based on the selected condition code.
    Terms and Conditions Type Terms and Conditions Type is defaulted based on selected condition code. The options available are:
    • Pre-Disbursement
    • Post-Disbursement
    • Pre-Sanction
    Compliance Status Select Compliance Status from drop-down list. The options available are:
    • Breached
    • Met
    Due date Click Calendar icon and select Due date.
    Notice Days Specify the Notice Date.
    Grace Days Specify the Grace Date.
    Compliance remarks Enter Compliance Remarks, if required.
    Customer Linkage Customer Linkage details are displayed by default based on selected condition code.

Customer Documents

  1. To add documents, click Customer Documents from the left menu and then click + icon. Enter the fields in Document page and click Upload.
    The Customer Documents screen displays.

    Figure 3-19 Customer Documents


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

    Figure 3-20 Documents


    Description of Figure 3-20 follows
    Description of "Figure 3-20 Documents"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-11 Document

    Fields Description
    Document Type Click Search icon and specify the Document Type
    Document Type Description Displays the Documents Type Description
    Document Code Click Search icon and specify the Document Code.
    Document Code Description Displays the Document type Description.
    Document expiry date Click Calendar icon and select Document expiry date.
    Remarks Specify Remarks, if any.
    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.

KYC checker

  1. On SME CP Initiation - Enrichment, click KYC Check.
    The KYC Check screen displays.

    Figure 3-21 KYC Check


    Description of Figure 3-21 follows
    Description of "Figure 3-21 KYC Check"

  2. Click Filtericon.
    The KYC Check - Filter screen displays.

    Figure 3-22 KYC Filter


    Description of Figure 3-22 follows
    Description of "Figure 3-22 KYC Filter"

    For more information on fields, refer to the field description table.

    Table 3-12 KYC - Filter

    Fields Description
    KYC Status Specify the KYC Status. The options available are:
    • Yet to verify
    • Verified
    • Verification failed
    Customer name Specify the Customer name.
  3. Click Next buttonThe Other Bank Facilities page appears.

Other Bank Facilities

  1. click Next in the KYC Check screen.
    The Other Bank Facilities screen displays.

    Figure 3-23 Other Bank Facilities


    Description of Figure 3-23 follows
    Description of "Figure 3-23 Other Bank Facilities"

  2. Click + icon.
    The Facility Details screen displays.

    Figure 3-24 Facility Details


    Description of Figure 3-24 follows
    Description of "Figure 3-24 Facility Details"

    For more information on fields, refer to the field description table.

    Note:

    The fields marked as Required are mandatory.

    Table 3-13 Facility Details

    Field Description
    Bank Name and Branch Name In Bank Name and Branch Name fields, enter the name of other bank from which the party has availed facility.
    Sanction Letter available Enable Sanction Letter available option, if sanction letter is available for the other bank facility.
    Facility Type Choose Facility Type. The options available are:
    • Funded
    • Non-Funded
    Facility Category Select Facility Category from the drop-down list.
    Sanctioned Year In the Sanctioned Year field, enter the year in which the other bank facility is sanctioned.
    Take Over Enable Take Over option, if the party has requested the bank to takeover the facility.

    Once this option is enabled the facility gets added in the funding requirement section by default.
    Currency Search and select Currency for the sanctioned amount.
    Sanctioned Amount In the Sanctioned Amount field, specify the initial facility amount sanctioned by the other bank.
    Outstanding Amount Specify Outstanding Amount to be paid by the party.
    Rate of Interest Specify Rate of Interest at which facility is offered by the other bank.
    Tenor Specify Tenor of the other bank facility.
    Secured Enable Secured option, if the other bank facility is secured with collateral.
  3. Click Create.
    The Other bank facility is added and displayed as shown below:

    Figure 3-25 Other Bank Facilities


    Description of Figure 3-25 follows
    Description of "Figure 3-25 Other Bank Facilities "

  4. To filter the required facility from all the available other bank facilities, click Filter button.
    The Filter screen displays.

    Figure 3-26 Other Bank Facilities - Filter


    Description of Figure 3-26 follows
    Description of "Figure 3-26 Other Bank Facilities - Filter"

    For more information on fields, refer to the field description table.

    Table 3-14 Filter

    Field Description
    Apply Click Apply. Other bank facilities that matches the filter parameters are displayed.
    Reset Click Reset, to enter new filter parameters.
    Facility Category Search and select Facility Category. It indicates the category of the facility. Example: Overdraft, Term Loan, etc.

    Note: Minimum 3 characters need to be entered in the Type to filter text box to filter the facilities.

    From Amount Enter From Amount for the sanctioned amount.
    To Amount Enter To Amount for the sanctioned amount.
  5. Add the other bank facility information of the child party and click Next.
    The Write up page appears.

Write up

  1. click Next in the Other Bank Facilities screen.
    The Write up screen displays.

    Figure 3-27 Write up


    Description of Figure 3-27 follows
    Description of "Figure 3-27 Write up"

    Note:

    For more information about Write up refer Credit Proposal User Guide - Proposal Initiation - Write Up.
  2. Click Next.
    The Liability Details screen displays.

    Figure 3-28 Liability


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

Funding Requirements

  1. click Next.
    The Funding Requirements screen is displayed.

    Figure 3-29 Funding Requirements


    Description of Figure 3-29 follows
    Description of "Figure 3-29 Funding Requirements"

    Note:

    For more information on fields, refer Field Configuration Parameters

    Note:

    For more information about Funding Requirements refer Credit Proposal User Guide - Proposal Initiation - Funding Requirements
  2. Click + icon.
    The New Facility screen displays.

    Figure 3-30 Facility Details


    Description of Figure 3-30 follows
    Description of "Figure 3-30 Facility Details"

    For more information on fields, refer to the field description table below.

    Table 3-15 Facility

    Fields Description
    Branch Displays the branch number.
    Line Code Specify the unique line code.
    Line Serial Number Displays the unique line serial number.
    Parent Facility ID Search the Facility ID from the list.
    Facility Type Select the facility type. The available options are:
    • Funded
    • Non Funded
    Cascade Specifies whether certain attributes are inherited from the parent facility.
    Facility Category Search the Facility category from the list.
    Facility Description Specify the description.
    Project ID Search the project ID from the list.
    Class Code Search the class code from the list.
    Committment Status Select the committment status. The available options are:
    • Committed
    • Uncommitted
    Drop Line Limits Select the toggle to indicate if limits should drop or reduce over time.
    Currency Search the currency from the list.
    Requested Amount Displays the requested amount.
    Probability of Default Specify the default probability.
    Loan Given Default Specify the default loan.
    Facility Risk Rating Specify the facility risk rating.
    Proposed Amount Displays the proposed amount.
    Approved Amount Displays the approved amount.
    Day Light Limit Specify the day light limit.
    Shadow Limit Specify the shadow limit.
    Day Light Overdraft Limit Specify day light overdraft limit.
    Limit Amount Basis Specify the basis on which the limit was sanctioned.
    Bulk Payment Specifies whether repayments can be made as lump-sum amounts.
    Internal Remarks Specify the remarks, if any.
    Line Start Date Select Date for Line Start Date.
    Line Expiry Date Click Select Date and select date for Line Expiry Date.
    Renewal Date Click Renewal Date and select date for Renewal Date.
    Maintenance Value Date Click Maintenance Value Date and select date for Maintenance Value Date.
    Drawing Power Backend Enable Drawing Power Backed, if required.
    Revolving Line Enable Revolving Line, if required.
    Is Non Revolving Special Line Enable Is Non Revolving Special Line, if required.
    Unadvised Enable Unadvised, if required.
    Available Displays the current Available status of the line.
    Availability Period Specify the Availability Period for the facility.
    Limit Status Select Limit Status from the drop-down list. The options are:
    • Active
    • Closed
    • Frozen
    Next Review Date Select Date for Next Review Date.
    Review Frequency Select Review Frequency from the drop-down list. The options are:
    • Half yearly
    • Monthly
    • Quarterly
    • Yearly
    Utilization Tracking Select Utilization Tracking from the drop-down list. The options are:
    • Local
    • Global
    Exception Tansaction Amount Specify the transaction amount.
    Netting Required Select the option from the available list.
    Exception Branch Percentage Specify the exception breach percentage.

Comments

  1. click Next in the Funding Requirements screen.
    The Comments screen is displayed.

    Figure 3-31 Comments


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

    Note:

    For more information about Comments refer Credit Proposal User Guide - Proposal Initiation - comments.
  2. Click Submit.