3.7.1 Create Borrowing Capacity

This topic describes the systematic instructions to define the borrowing capacity based on the various input.

Specify User ID and Password, and login to Home screen.

1. On Homescreen, click Core Maintenance, under Core Maintenance, click Credit Decision.
2. Under Credit Decision, click Maintenance, under Maintenance, click Borrowing Capacity, under Borrowing Capacity, click Create Borrowing Capacity.
   The Create Borrowing Capacity screen displays.

   Figure 3-18 Create Borrowing Capacity

   
   

   
   Description of "Figure 3-18 Create Borrowing Capacity"

   
   
3. On Create Borrowing Capacity screen, specify the fields.

   Note:

   The fields marked as Required are mandatory.

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

   Table 3-16 Create Borrowing Capacity - Field Description

   Field	Description
   Borrowing Capacity Code	Specify the unique borrowing capacity code.
   Borrowing Capacity Description	Specify a short description for the borrowing capacity.
   Effective Date	Specify the effective date.
   Expiry Date	Specify the expiry date.
   Product Processor	Specify the product processor for which the borrowing capacity is being defined.
   Execution Stage	Select the required option for execution stage from the drop-down list. The available options are: Before Decision: If this option is selected, amount is calculated before scoring model resolution. Loan amount is replaced with the minimum of requested loan amount and maximum lendable amount for scoring and pricing. After Decision: If this option is selected, Amount is calculated after decision and before pricing. Loan amount is replaced with the minimum of requested loan amount and maximum lendable amount for pricing.

4. On Create Borrowing Capacity screen, click Selection Criteria tab to define selection criteria rules.
   The Create Borrowing Capacity - Selection Criteria screen displays.

   Figure 3-19 Create Borrowing Capacity - Selection Criteria

   
   

   
   Description of "Figure 3-19 Create Borrowing Capacity - Selection Criteria"

   
   

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

   Table 3-17 Create Borrowing Capacity - Selection Criteria - Field Description

   Field	Description
   Use Existing Rule	By default, this option is enabled. Indicates if the existing rule is linked.
   Rule Code	Select the rule code from the drop down list.
   	Click this icon to get the information about the rule.
   Rule Name	Displays the rule name for the selected rule code.
   New	Select this option to create new rule.
   Code	Specify the rule code.
   Description	Specify the rule description.
   + icon	Click this icon to add new expression.
   Fact / Rules	Select the fact or rule from the drop-down list. Once the user selects the fact/rules, one more field opens adjacent to the output, update the same based on the selected output option.
   Operator	Select the comparison operator from the drop-down list. The available options are: < > + = % != - >= <= * / Contains In Matches NotMatches NotContains Notin
   Data Type	Select the data type for the fact or rule. Once the user select the data type, one more field opens adjacent to the output, update the same based on the selected output option. The available options are: Text Number Boolean Date Fact Rules The below option appears if the Data Type is selected as Boolean. True False
   Output	Select the output from the drop-down list. Once the user select the data type, one more field opens adjacent to the output, update the same based on the selected output option. The available options are: Text Number Boolean Date Fact Rules The below option appears if the Data Type is selected as Boolean. True False
   Expression	Displays the expression updated in the expression builder.

5. On Create Borrowing Capacity screen, click the Eligibility to define eligibility.
   The Create Borrowing Capacity - Eligibility screen displays.

   Figure 3-20 Create Borrowing Capacity - Eligibility

   
   

   
   Description of "Figure 3-20 Create Borrowing Capacity - Eligibility"

   
   

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

   Table 3-18 Create Borrowing Capacity - Eligibility - Field Description

   Field	Description
   + icon	Click this icon to add a new row.
   - icon	Click this icon to delete a row, which is already added.
   Actions	Select this check box corresponding to the row to be deleted.
   Fact ID	Select the fact ID from the drop-down list.
   Rule ID	Select the rule ID from the drop-down list.
   	Click this icon to get the information about the rule.

6. Click Save to save the details.

   The Borrowing Capacity is successfully created and can be viewed using the View Borrowing Capacity screen.