Create a Stage Determination Rule
Perform the following steps to create a Stage Determination Rule:
- On the Stage Determination Rules Summary page, click the Add icon to open the Stage Determination Rule Window.
- On the Stage Determination Rules window, you must first define the
Rule Details, Bands Creation,
and then the Stage Determination Rules.
- Populate the Stage Determination Rule - Rule Details form as
tabulated:
Option Description Name Enter a name for the Stage Determination Rule definition. This is a mandatory field.
Description Enter a description for the Stage Determination Rule definition. Select Folder Select a folder from the drop-down list. This is a mandatory field.
Select Modelling Set Select a Modelling Set from the drop-down list. This is a mandatory field.
- After the mandatory fields are populated, populate the Stage Determination
Rule - Bands Creation - Rule Parameters (Quantitative) form as
tabulated:
Option Description Rating (Long Term) (Internal rating ranks will be used for band creation) Click the slider to enable or disable this band. Click the Configuration icon to define the Lower Limit and Upper Limit of this Band:- In the selected Band's configuration window, click the Add Button icon to add a Band to define it.
- Enter the lower and upper limit in the Lower Limit and Upper Limit fields respectively. Both these fields only support positive integers.
- Click Apply
- If you want to delete a band, select a Band and click the Delete Button icon to delete it.
The status of the Defined Staging Bands is updated to Defined.
To add and configure multiple Lower Limit and Upper Limits of this band, click the Configuration icon.
Rating (Short Term) (Internal rating ranks will be used for band creation) Click the slider to enable this band. Click the Configuration icon to define the Lower Limit and Upper Limit of this Band:- Enter the lower and upper limit in the Lower Limit and Upper Limit fields respectively. Both these fields only support positive integers.
- Click the Add Button icon to add additional Bands.
- Click Apply
- If you want to delete a band, select a Band and click the Delete Button icon to delete it.
The status of the Defined Staging Bands is updated to Defined.
To add and configure multiple Lower Limit and Upper Limits of this band, click the Configuration icon.
Delinquency Past Due Days Click the slider to enable this band. Click the Configuration icon to define the Lower Limit and Upper Limit of this Band:- Enter the lower and upper limit in the Lower Limit and Upper Limit fields respectively. Both these fields only support positive integers.
- Click the Add Button icon to add additional Bands.
- Click Apply
- If you want to delete a band, select a Band and click the Delete Button icon to delete it.
The status of the Defined Staging Bands is updated to Defined.
To add and configure multiple Lower Limit and Upper Limits of this band, click the Configuration icon.
FICO Score Click the slider to enable this band. Click the Configuration icon to define the Lower Limit and Upper Limit of this Band:- Enter the lower and upper limit in the Lower Limit and Upper Limit fields respectively. Both these fields only support positive integers.
- Click the Add Button icon to add additional Bands.
- Click Apply
- If you want to delete a band, select a Band and click the Delete Button icon to delete it.
The status of the Defined Staging Bands is updated to Defined.
To add and configure multiple Lower Limit and Upper Limits of this band, click the Configuration icon.
LTV Click the slider to enable this band. Click the Configuration icon to define the Lower Limit and Upper Limit of this Band:- Enter the lower and upper limit in the Lower Limit and Upper Limit fields respectively. Both these fields only support positive integers.
- Click the Add Button icon to add additional Bands.
- Click Apply
- If you want to delete a band, select a Band and click the Delete Button icon to delete it.
The status of the Defined Staging Bands is updated to Defined.
To add and configure multiple Lower Limit and Upper Limits of this band, click the Configuration icon.
12 Months PD Click the slider to enable or disable this band. Lifetime PD Click the slider to enable or disable this band. - Click the Qualitative tab to define the Stage Determination Rule -
Bands Creation - Rule Parameters (Qualitative)form as tabulated:
Option Description Industry Click the slider to enable this band: - Click the Industry Configuration icon.
- In the Group Name field, enter a name for the group.
- The Group Member field is populated by default.
- In the left selection pane, select the required parameters and then click Selected industries move to selected to move the selection to the Selected pane on the right.
- To remove a selection from the Selected pane, select the required parameters and then click Move Selected to Industries.
- Click Add Group.
Multiple groups can be added by using the above steps. Ensure that the same industry is not added in different stages.
Country Click the slider to enable this band: - Click the Country Configuration icon.
- In the Group Name field, enter a name for the group.
- In the Country field, select a country from the drop-down list. Multiple countries can be selected in this field.
- Click the Add Button to add multiple groups with the defined countries.
- To delete a group, click the Delete Button.
- click Apply.
Multiple groups can be added by using the above steps. Make sure that the same country is not added in different stages.
New Accounts Click the slider to enable or disable this band. Devolvement Click the slider to enable or disable this band. Restructured Click the slider to enable or disable this band. Forbearance Click the slider to enable or disable this band. Impaired Click the slider to enable or disable this band. Default Click the slider to enable or disable this band. - The rules that are enabled in the Bands Creation tab will be available in the Stage Determination Rules tab.
- Click the Next icon to open the Stage Determination Rules pane.
- Populate the Stage Determination Rule - Stage Determination Rules - Rule
Parameters (Quantitative)form as tabulated:
Option Description Rating (Long Term) Click the Configuration icon to define this band. - In the Band Filter field, select the filters for the band. Multiple filters for a band can be selected.
- In the configuration window, select a band from the Band drop-down list.
- Define the lower limit in the Lower Limit field.
- Define the upper limit in the Upper Limit field. The upper limit must always be more than the lower limit. Note that the Lower Limit and Upper limit must not overlap between different stages.
- Select a stage value from the Stage drop-down list.
- You can click the Add button icon to define multiple bands.
- If you want to delete a band, click the Delete Button icon to delete a selected band.
- Click Apply
The Band values in the Stage table appear without a highlight, while the Notch Movement values appear with a grey highlight and are denoted in the upper right corner of the Quantitave pane.
Rating (Short Term) Click the Configuration icon to define this band. - In the Band Filter field, select the filters for the band. Multiple filters for a band can be selected.
- Define the lower limit in the Lower Limit field.
- Define the upper limit in the Upper Limit field. The upper limit must always be more than the lower limit. Note that the Lower Limit and Upper limit must not overlap between different stages.
- Select a stage value from the Stage drop-down list.
- You can click the Add button icon to define multiple bands.
- If you want to delete a band, click the Delete Button icon to delete a selected band.
- Click Apply
Delinquency Past Due Days Click the Configuration icon to define this band. - In the Band Filter field, select the filters for the band. Multiple filters for a band can be selected.
- Define the lower limit in the Lower Limit field.
- Define the upper limit in the Upper Limit field. The upper limit must always be more than the lower limit. Note that the Lower Limit and Upper limit must not overlap between different stages.
- Select a stage value from the Stage drop-down list.
- You can click the Add button icon to define multiple bands.
- If you want to delete a band, click the Delete Button icon to deleta a selected band.
- Click Apply
Note that the same Bands cannot be shared between different stages.
The Band values in the Stage table appear without a highlight, while the Notch Movement values appear with a grey highlight and are denoted in the upper right corner of the Quantitave pane.FICO Score Click the Configuration icon to define this band. - In the Band Filter field, select the filters for the band. Multiple filters for a band can be selected.
- Define the lower limit in the Lower Limit field.
- Define the upper limit in the Upper Limit field. The upper limit must always be more than the lower limit. Note that the Lower Limit and Upper limit must not overlap between different stages.
- Select a stage value from the Stage drop-down list.
- You can click the Add button icon to define multiple bands.
- If you want to delete a band, click the Delete Button icon to delete a selected band.
- Click Apply
LTV Click the Configuration icon to define this band in percentage. - In the Band Filter field, select the filters for the band. Multiple filters for a band can be selected.
- Define the lower limit in the Lower Limit field.
- Define the upper limit in the Upper Limit field. The upper limit must always be more than the lower limit. Note that the Lower Limit and Upper limit must not overlap between different stages.
- Select a stage value from the Stage drop-down list.
- You can click the Add button icon to define multiple bands.
- If you want to delete a band, click the Delete Button icon to delete a selected band.
- Click Apply
The Band values in the Stage table appear without a highlight, while the Notch Movement values appear with a grey highlight and are denoted in the upper right corner of the Quantitave pane.
12 Months PD Click the slider to enable or disable this feature. The Lower Limit and Upper limit cannot overlap between different stages.
Lifetime PD Click the slider to enable or disable this feature. - Click the Qualitative tab to define the Stage Determination Rule -
Stage Determination Rules - Rule Parameters (Qualitative)form as
tabulated:
Option Description Industry In this row for each stage, click the adjacent row and select a value. You can select multiple values in this field
Country In this row for each stage, click the adjacent row and select a value. You can select multiple values in this field
New Accounts In this row for each stage, click the adjacent row and select either Yes or No. Devolvement In this row for each stage, click the adjacent row and select either Yes or No. Restructured In this row for each stage, click the adjacent row and select either Yes or No. Forbearance In this row for each stage, click the adjacent row and select either Yes or No. Impaired In this row for each stage, click the adjacent row and select either Yes or No. Default In this row for each stage, click the adjacent row and select either Yes or No. - Click Save.