2.8 Manual Credit Assessment Stage

This topic describes the information on the various data segments to assess the application manually in the Manual Credit Assessment stage.

The Manual Credit Assessment stage of the Current Account (with overdraft) opening process workflow will enable the bank to manually assess the application and provide the recommendation for the approval / rejection of the application. As a reference, the relevant completed data segments will be made available to the Approver before the application can be moved to the next stage. These completed data segments are from Underwriting Stage. The data segments are displayed in view only mode for the Credit Officer to analyze.

To capture manual assessment details:

1. Scan the records that appears in the Free Task list.
2. Click Acquire and Edit or Acquire from the Action column of the appropriate record. The Manual Assessment stage is displayed.

The Manual Assessment stage has the following data segments in which the user can only view the data:

• Credit Rating Details: - For detailed information, refer the Credit Rating Details data segment in the Underwriting stage.
• Legal Opinion - For detailed information, refer the Legal Opinion data segment in the Underwriting stage.
• Valuation Details - For detailed information, refer the Valuation Details data segment in the Underwriting stage.

Refer below chapters for detailed information on data segment that are editable.

• Manual Assessment
  This topic provides the systematic instructions to modify the account details and recommend for the approval / reject the Current Account application.
• Summary
  This topic provides the systematic instructions to view the summary of each of the data segments in as many tiles as the number of data segments in the given stage.