2.7.1 Manual Decision

This topic provides the systematic instructions to review and approve the application manually in manual credit decision stage.

Manual Decision is the first data segment of Manual Credit Decision stage. The user can acquire the application from Free Tasks list.

To capture manual decision:

1. On acquiring the Manual Credit Decision task from the Free Task, the Manual Decision appears.

   Figure 2-50 Manual Decision

   
   

   
   Description of "Figure 2-50 Manual Decision"

   
   
2. Specify the fields on Manual Decision screen.
   For more information on fields, refer to the field description table. Refer to Assessment Details screen for the detailed explanation of Validation Model, Borrowing Capacity, Qualitative Score, Quantitative Score, Decision & Grade, and Pricing tabs.

   Table 2-40 Manual Decision – Field Description

   Field	Description
   Requested Amount	Displays the requested overdraft amount.
   Tenure	Displays the overdraft tenure.
   Base Rate	Displays the interest rate without including margin/variance.
   Rate of Interest	Displays the rate of interest. Click to view the rate type.
   Margin	Displays the customer margin in percentage. Note: This field displays if the Rate Type is selected as Floating.
   Variance	Displays the variance in percentage. Note: This field displays if the Rate Type is selected as Fixed.
   Total Weightage Score	Displays the total weightage score.
   Approved Amount	Displays the approved overdraft amount. This field appears blank by default. If the user selects the recommendation as Approve, then the recommended amount gets defaulted as approved amount.
   Proposed Margin	Displays the margin proposed by Decision service in percentage. Note: This field displays if the Rate Type is selected as Floating.
   Proposed Variance	Displays the variance proposed by Decision service in percentage. Note: This field displays if the Rate Type is selected as Fixed.
   Effective Rate	Displays the effective rate of interest.
   Recommended Amount	Displays the recommended overdraft amount.
   Final Tenure	Displays the final overdraft tenure.
   Manual Recommendation	Displays the manual recommendation.
   Comments	Displays the comments for the manual recommendation.
   System Recommendation	Displays the system recommendations.
   Recommendation	Select the recommendation. Available options are: Approve Decline If the user selects the recommendation as Approve, then the recommended amount gets defaulted as approved amount.
   Action	Displays the user action based on user recommendation.
   Comments	Specify the comment on the user action.

3. Click Next to navigate to the next data segment, after successfully capturing the data. The system will validate all mandatory data segments and data fields. If mandatory details are not provided, the system displays an error message for the user to take action. User will not be able to proceed to the next data segment, without capturing the mandatory data.