2.5.2 Assessment Details

This topic provides the systematic instructions to view the total weightage score of the Applicant or Applicants, in case of multiple Applicants in the Loan Account with Overdraft.

Assessment Details is the next data segment of Loan Assessment stage. The user can acquire the application from FREE TASK. Assessment Details screen enables the user to understand the evaluation and provide the system recommendation based on the following parameters.

• Validation Model
• Borrowing Capacity
• Qualitative Score
• Quantitative Score
• Decision and Grade
• Pricing

To view assessment details:

1. Click Next in previous data segment to proceed with the next data segment, after successfully capturing the data.

   The Assessment Details – Validation Model screen displays.

   Figure 2-39 Assessment Details – Validation Model

   
   

   
   Description of "Figure 2-39 Assessment Details – Validation Model"

   
   
2. Click Borrowing Capacity tab under Assessment Details screen to view the borrowing capacity of the applicant.

   The Assessment Details – Borrowing Capacity screen displays.

   Figure 2-40 Assessment Details – Borrowing Capacity

   
   

   
   Description of "Figure 2-40 Assessment Details – Borrowing Capacity"

   
   
3. Click Qualitative Score tab under Assessment Details screen to view the qualitative score for the applicant.

   The Assessment Details – Qualitative Score – Graph View screen displays.

   Figure 2-41 Assessment Details – Qualitative Score – Graph View

   
   

   
   Description of "Figure 2-41 Assessment Details – Qualitative Score – Graph View"

   
   
4. Click Data View tab under Qualitative Score screen to view the qualitative scoring data of the applicant.

   The Assessment Details – Qualitative Score – Data View screen displays.

   Figure 2-42 Assessment Details – Qualitative Score – Data View

   
   

   
   Description of "Figure 2-42 Assessment Details – Qualitative Score – Data View"

   
   

   Note:

   For multi borrower applications, the user can view the Qualitative details of individual borrowers by clicking on each borrower’s name.
5. Click Quantitative Score tab under Assessment Details screen to view the quantitative score for the application.

   The Assessment Details – Quantitative Score – Graph View screen displays.

   Figure 2-43 Assessment Details – Quantitative Score – Graph View

   
   

   
   Description of "Figure 2-43 Assessment Details – Quantitative Score – Graph View"

   
   
6. Click Data View tab under Quantitative Score screen to view the quantitative scoring data of the applicant.

   The Assessment Details – Quantitative Score – Data View screen displays.

   Figure 2-44 Assessment Details – Quantitative Score – Data View

   
   

   
   Description of "Figure 2-44 Assessment Details – Quantitative Score – Data View"

   
   

   Note:

   For multi borrower applications, the user can view the Quantitative details of individual borrowers by clicking on each borrower’s name.
7. Click Decision & Grade tab under Assessment Details screen to view the decision and grade for the application.

   The Assessment Details – Decision and Grade screen displays.

   Figure 2-45 Assessment Details – Decision & Grade

   
   

   
   Description of "Figure 2-45 Assessment Details – Decision & Grade"

   
   
8. Click Pricing tab under Assessment Details screen to view the pricing for the application.

   The Assessment Details – Pricing screen displays.

   Figure 2-46 Assessment Details – Pricing

   
   

   
   Description of "Figure 2-46 Assessment Details – Pricing"

   
   

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

   Table 2-36 Assessment Details – Field Description

   Field	Description
   Requested Amount	Specify the requested overdraft amount.
   Tenure	Displays the tenure.
   Base Rate	Displays the interest rate without including margin/variance.
   	Displays the rate type.
   Margin	Displays the customer margin in percentage. This field displays if the Rate Type is selected as Floating.
   Variance	Displays the variance in percentage. This field displays if the Rate Type is selected as Fixed.
   Total Weightage Score	Displays the total weightage score.
   Approved Amount	.Displays the approved loan amount. If the System Recommendation is Approved. This field appears blank if the System Recommendation is Manual and Rejected.
   Proposed Margin	Displays the margin proposed by Decision service in percentage. This field displays if the Rate Type is selected as Floating.
   Proposed Variance	Displays the variance proposed by Decision service in percentage. This field displays if the Rate Type is selected as Fixed
   Effective Rate	Displays the effective rate of interest.
   System Recommendation	Displays the system recommendations. The available options are: Approved Manual Rejected
   Grade	Displays the grade of the applicant.
   APR	Displays the annual percentage rate value
   Validation Model	Displays the field details related to Validation Model.
   Validation Model Code	Displays the validation model code configured for the product.
   Description	Displays the description of the configured validation model.
   Status	Displays the overall status of the validation model.
   Rule ID	Displays the Rule ID configured in the validation model.
   Sequence	Displays the sequence of the configured rules.
   Status	Displays the status of the configured rule.
   Borrowing Capacity	Displays the field details related to Borrowing Capacity.
   Eligibility Code	Displays the unique eligibility code configured for the product.
   Eligibility Description	Displays the description of the configured eligibility.
   Requested Amount	Displays the requested card limit. If the calculated Borrowing Capacity is more than the Requested Amount, then Approved Amount is stamped to Requested Amount.
   Borrowing Capacity	Displays the calculated borrowing capacity of the applicant.
   Fact	Displays the fact configured in the eligibility code.
   Rule ID	Displays the rule configured in the eligibility code.
   Qualitative Score	Displays the field details related to Qualitative Score.
   Scoring Model Code	Displays the scoring model code configured for the product.
   Description	Displays the description of the scoring model.
   Weightage Score	Displays the overall weightage score for the applicant(s). The weightage score also displays in the respective applicant's tab in case of the multiple applicants.
   Qualitative Score - Scoring Details	Displays the scoring details related to Qualitative Score.
   Question Code	Displays the question code configured for Qualitative Scoring Model.
   Question	Displays the question configured in question code.
   Value	Displays the answers provided by the applicant.
   Score	Displays the calculated score based on the answers.
   Quantitative Score	Displays the field details related to Quantitative Score.
   Scoring Model Code	Displays the scoring model code configured for the product.
   Description	Displays the description of the scoring model.
   Weightage Score	Displays the overall weightage score for the applicant(s). The weightage score also displays in the respective applicant’s tab in case of the multiple applicants.
   Quantitative Score - Scoring Details	Displays the scoring details related to Quantitative Score.
   Feature	Displays the feature configured in the Quantitative Scoring Model.
   Value	Displays the value of the application for the configured feature.
   Range Type	Displays the range type configured in the Quantitative Scoring Model.
   Range	Displays the range for the value of the application.
   Weightage %	Displays the weightage percentage configured for the feature.
   Score	Displays the score configured for the range.
   Weightage Score	Displays the calculated weightage for each feature.
   Decision and Grade	Displays the field details related to Decision and Grade.
   Model Code	Displays the model code configured for the product.
   Model Description	Displays the description of the model code.
   Decision	Displays the recommended decision for the application.
   Grade	Displays the recommended grade for the application
   Decision and Grade – Decision	Displays the field details related to Decision.
   Quantitative Score	Displays the overall quantitative score of the application.
   Quantitative Score Range	Displays the range for the quantitative score.
   Decision	Displays the decision configured for the quantitative score.
   Decision and Grade – Grade	Displays the field details related to Grade.
   Quantitative Score	Displays the overall quantitative score of the application.
   Quantitative Score Range	Displays the range for the quantitative score.
   Grade	Displays the grade configured for the quantitative score.
   Pricing	Displays the field details related to Pricing.
   Pricing Model Code	Displays the pricing model code configured for the product.
   Model Description	Displays the description of the pricing model code.
   Rate Type	Displays the rate type.
   Rate Percentage	Displays the rate percentage.
   Loan Amount	Displays the loan amount.
   Loan Tenure	Displays the loan tenure.
   Loan Amount Range	Displays the range for the loan amount.
   Loan Tenure Range	Displays the range for the loan tenure.
   Rate %	Displays the rate of interest configured for the range.

   Note:

   Based on the range of qualitative and quantitative scores, the system provides a suggestive recommendation and the overdraft amount which can be sanctioned.
9. Click Next to navigate to the next data segment, after successfully capturing the data. The system validates for all mandatory data segments and data fields. If mandatory details are not provided, the system displays an error message for the user to take an action. The user cannot proceed to the next data segment, without capturing the mandatory data.