Retail Loan Origination User Manual

Retail Loan Origination User Guide
Oracle FLEXCUBE Universal Banking
Release 12.0.2.0.0
Part No. E49740-01
September 2013
Retail Loan Origination User Guide
September 2013
Oracle Financial Services Software Limited
Oracle Park
Off Western Express Highway
Goregaon (East)
Mumbai, Maharashtra 400 063
India
Worldwide Inquiries:
Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/
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Contents
1.
Preface ...................................................................................................... 1-1
1.1
1.2
1.3
1.4
1.5
1.6
1.7
2.
Introduction..............................................................................................................
Audience..................................................................................................................
Documentation Accessibility....................................................................................
Abbreviations...........................................................................................................
Organization ............................................................................................................
Related Documents .................................................................................................
Glossary of Icons.....................................................................................................
1-1
1-1
1-1
1-1
1-1
1-2
1-2
Retail Loan Origination ........................................................................... 2-1
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
2.10
2.11
2.12
2.13
2.14
2.15
Introduction.............................................................................................................. 2-1
Maintaining Loan Prospect Details .......................................................................... 2-1
2.2.1 Main Tab..................................................................................................... 2-5
2.2.2 Details Tab ................................................................................................. 2-9
2.2.3 Financial Tab ............................................................................................ 2-11
2.2.4 Requested Tab ......................................................................................... 2-12
2.2.5 Document Details ..................................................................................... 2-13
2.2.6 Process Flow in Uploading Document from an External System ............. 2-14
2.2.7 Generating Offers ..................................................................................... 2-14
2.2.8 Acceptance of the Offer by the Customer ................................................ 2-16
2.2.9 Conversation Details ................................................................................ 2-17
2.2.10 Interaction Integration of the External System.......................................... 2-18
Viewing Loan Prospect Summary ......................................................................... 2-19
Maintaining Status Reason.................................................................................... 2-20
2.4.1 Creating Customer Number...................................................................... 2-21
Simulating Retail Loans......................................................................................... 2-22
2.5.1 Loan Tab .................................................................................................. 2-26
2.5.2 Component Tab........................................................................................ 2-28
2.5.3 Viewing Disbursal Details ......................................................................... 2-30
2.5.4 Viewing Schedule Details ......................................................................... 2-30
Viewing Simulated Loan Details ............................................................................ 2-31
Maintaining Credit Rating Rules ............................................................................ 2-32
2.7.1 Main Tab................................................................................................... 2-32
2.7.2 Risk Factor Tab ........................................................................................ 2-33
2.7.3 Specifying Credit Grades.......................................................................... 2-35
2.7.4 Specifying Auto Decision Details.............................................................. 2-35
Viewing Credit Rule Summary............................................................................... 2-36
Maintaining Credit Ratios ..................................................................................... 2-37
2.9.1
Specifying Formula Details...................................................................... 2-38
Viewing Credit Ratio Summary.............................................................................. 2-38
Maintaining Override Details ................................................................................. 2-39
Viewing Override Summary................................................................................... 2-41
Maintaining Document Details............................................................................... 2-42
Viewing Document Checklist Summary................................................................. 2-44
Maintaining Application Category Details .............................................................. 2-45
2.16
2.17
2.18
2.19
2.20
2.21
2.22
2.23
3.
2.15.1 Main Tab................................................................................................... 2-46
2.15.2 Agency Tab .............................................................................................. 2-49
Viewing Application Category Summary ............................................................... 2-50
Maintaining Pricing Details .................................................................................... 2-50
Viewing Pricing Details .......................................................................................... 2-52
2.18.1 Maintaining Pricing Formula ..................................................................... 2-53
2.18.2 Maintaining Pricing Offer .......................................................................... 2-54
Maintaining Field Investigation Details .................................................................. 2-55
2.19.1 Agency Tab .............................................................................................. 2-55
2.19.2 Others Tab................................................................................................ 2-56
2.19.3 Viewing Field Investigation Summary....................................................... 2-57
Updating Field Investigation Details ...................................................................... 2-58
2.20.1 Investigation Tab ...................................................................................... 2-59
2.20.2 Viewing Field Investigation Update Summary .......................................... 2-60
Maintaining Credit Bureau Details ......................................................................... 2-60
2.21.1 Viewing Credit Bureau Summary ............................................................. 2-62
Maintaining ZIP Code Details for Bureau Call Order............................................. 2-63
2.22.1 Viewing Zip Code Summary ..................................................................... 2-65
Stages in Retail Loan Origination .......................................................................... 2-65
2.23.1 Process Flow Diagram ............................................................................. 2-66
2.23.2 Process Matrix.......................................................................................... 2-67
2.23.3 Main Tab................................................................................................... 2-71
2.23.4 Details Tab ............................................................................................... 2-77
2.23.5 Financials Tab .......................................................................................... 2-80
2.23.6 Requested Tab ......................................................................................... 2-83
2.23.7 Limit Tab................................................................................................... 2-84
2.23.8 Collaterals Tab ......................................................................................... 2-86
2.23.9 Comments Tab ......................................................................................... 2-89
2.23.10 Capturing Document Details.................................................................... 2-90
2.23.11 Capturing Trade In Details....................................................................... 2-92
2.23.12 Verifying Customer Dedupe .................................................................... 2-93
2.23.13 Verifying Loan Dedupe ............................................................................ 2-93
2.23.14 Capturing Customer MIS ......................................................................... 2-93
2.23.15 Capturing Customer Account MIS ........................................................... 2-94
2.23.16 Specifying Customer/Account Fields....................................................... 2-94
2.23.17 Specifying Collateral Seller Details.......................................................... 2-95
2.23.18 Viewing Vehicle Evaluator ....................................................................... 2-97
2.23.19 Main Tab................................................................................................ 2-105
2.23.20 Collateral Tab ........................................................................................ 2-105
2.23.21 Credit Score Tab ................................................................................... 2-108
2.23.22 Bureau Tab............................................................................................ 2-109
2.23.23 Viewing Credit Bureau Report ............................................................... 2-115
2.23.24 Ratios Tab ............................................................................................. 2-117
2.23.25 Loan Tab ............................................................................................... 2-118
2.23.26 Component Tab..................................................................................... 2-120
2.23.27 Charges Tab.......................................................................................... 2-123
2.23.28 Investigation Tab .................................................................................. 2-124
2.23.29 Comments Tab ..................................................................................... 2-125
Maintenances ........................................................................................... 3-1
3.1
Introduction.............................................................................................................. 3-1
3.2
3.3
3.4
4.
Maintaining System Data Elements......................................................................... 3-1
Defining Template for Calculating Ratios ................................................................ 3-3
Maintaining Ratio Details......................................................................................... 3-5
Reports ..................................................................................................... 4-1
4.1
4.2
Introduction.............................................................................................................. 4-1
Collateral Seller Details Report ............................................................................... 4-1
4.2.1 Contents of the Report ............................................................................... 4-2
4.3
Reference Details Report ........................................................................................ 4-3
4.3.1 Contents of the Report ............................................................................... 4-3
4.4
Business Analysis Report........................................................................................ 4-4
4.4.1 Contents of the Report ............................................................................... 4-6
4.5
Ratio Analysis Report .............................................................................................. 4-6
4.5.1 Contents of the Report ............................................................................... 4-8
4.6
Reject Analysis Report ............................................................................................ 4-9
4.6.1 Contents of the Report ............................................................................. 4-10
4.7 Lead Report........................................................................................................... 4-11
4.7.1 Contents of the Report ............................................................................. 4-11
4.7.2 Contents of the Report ............................................................................. 4-12
4.8
Offer Generated for Leads Report......................................................................... 4-13
4.8.1 Contents of the Report ............................................................................. 4-13
4.9
Converted Leads Report ....................................................................................... 4-14
4.9.1 Contents of the Report ............................................................................. 4-14
4.10 Rejected and Closed Leads Report....................................................................... 4-15
4.10.1 Contents of the Report ............................................................................. 4-15
4.11 Non Originated Leads Report................................................................................ 4-16
4.11.1 Contents of the Report ............................................................................. 4-17
5.
Function ID Glossary ............................................................................... 5-1
1. Preface
1.1
Introduction
This manual is designed to explain the Retail Loan Origination module of Oracle FLEXCUBE.
It provides an overview of the workflow and information on maintaining the prospect details,
and other supported features.
1.2
Audience
This manual is intended for the following User/User Roles:
1.3
Role
Function
Corporate Customer Service
Executive
Collection of applications
Trade Finance Executive
Updation of details of contracts
Trade Finance Manager
Verification and authorization of contracts
Compliance Executive
Performance of compliance details of all parties
in a contract
Compliance Manager
Verification of compliance check carried out by
Compliance Executive
Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility
Program website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.4
Abbreviations
The following abbreviations are used in this User Manual:
1.5
Abbreviation
Description
BPEL
Business Process Execution Language
SDEs
System Data Elements
WF
Workflow
Organization
This manual is organized into the following chapters:
Chapter 1
About this Manual gives information on the intended audience. It also lists
the various chapters covered in this User Manual.
1-1
1.6
1.7
Chapter 2
Retail Loan Origination explains the process of creating and maintaining
the prospective applicant details.
Chapter 3
Maintenances explains the process of handling SDE, Template Definition,
and Ratio Maintenance.
Chapter 4
Reports - provides a list of reports that can be generated in this module
and also explains their contents.
Chapter 5
Function ID Glossary has alphabetical listing of Function/Screen ID's
used in the module with page references for quick navigation.
Related Documents

Procedures User Manual

Core Entities User Manual
Glossary of Icons
This User Manual may refer to all or some of the following icons:
Icons
Function
Exit
Add row
Delete row
Option List
1-2
2. Retail Loan Origination
2.1
Introduction
The process of loan origination gets initiated when a prospective customer approaches the
bank, with a loan account opening request or when the bank approaches a prospective
customer, taking lead from its database. In case of a bank–initiated request, the process
moves forward only if the prospective customer is interested. The entire process is carried out
in multiple stages and on successful completion of each stage, it moves automatically to the
next stage.
When the customer approaches the bank for its products and offers, before initiating the loan
origination process, the bank can create a mock-proposal which would have the personal
details of the customer, the loan offers the customer is interested in as well as the schedules
associated with the loan offer. This can be stored as reference in the system to be retrieved
when the actual loan process flow is initiated.
Retail lending process flow uses Oracle BPEL framework with multiple human tasks for
workflow stages. The capture and enrichment of information in multiple steps can be
dynamically assigned to different user roles, so that multiple users can take part in the
transaction. Oracle Business rules are used for dynamic creation of multiple approval stages.
The following details need to be maintained for originating a Retail Loan:

Loan prospect retails

Credit rating rules

Credit ratios

Override details

Document checklist and advices

Application category details
The Retail Loan origination process flow is composed of following stages:

Application Entry

Application Verification

Internal KYC

External KYC

Underwriting

Loan Approval

Document Verification

Manual Retry
These features, maintenances and the different stages in the process flow are explained in
detail in the following sections.
2.2
Maintaining Loan Prospect Details
You can maintain the details of a prospective borrower or a loan applicant, when the borrower
initially approaches the bank enquiring about the various loan products that are being offered.
The system facilitates capturing of lead details through external channels as well.
The following details are captured as part of this maintenance:
2-1

Prospective customer’s personal and location details

Prospective customer’s employment details

Requested loan details

Lead life cycle management
You can maintain the details related to the prospective customer in ‘Prospect Details’ screen.
You can invoke this screen by typing ‘ORDLEADM’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify the following details in this screen:
Lead Id
Specify a unique identification for the prospective loan customer.
Description
Specify a suitable description for the prospective loan customer.
Click on ‘View Offers’ to view the multiple offers in the sub screen similar to the 'Retail Loan
simulation screen'.However, you are not allowed to modify and re-simulate in this screen..
Request ID
The system displays the request identification of the loan request.
Channel
The system by default displays ‘FLEXCUBE’ as the channel. However, you can modify if
needed. The adjoining option list displays a list of valid channels. Select the appropriate one.
Promotion Code
Indicate the promotion code.
2-2
Remarks
Specify the reason for the loan enquiry.
Branch code
The system displays the branch code.However you can modify it.
Date of Request
Specify the date when the prospective customer enquired about the loan. You can also select
the date from the adjoining ‘Calendar’ icon.
New Account Number
The system updates the new account number automatically, when you create a customer
account in BPEL flow by changing the lead status to 'Converted'.
Note
–
You can update the Customer Account in the New Account number field by
changing the status of the Lead record to 'Converted'.
–
This is applicable only for CASA lead origination. This is not relevant for Loan
leads..
Application Type
Select the application type from the adjoining drop-down list. The available options are:

Retail

Corporate

CASA

Ijarah

Istisna

Mudarabah

Murabaha

Musharaka

Tawarooq
Current Status
The system displays the current status of the lead.
New Status
Select the new status from the adjoining option list. It is mandatory to specify the reason if the
current status is ‘Closed’, ‘Rejected’ or ‘Additional Document Required’.
After authorization, the new status becomes the current status of the lead.
Conversation ID
Specify the conversation ID, if conversation is originated before the lead record submission.
The adjoining option list displays all valid conversation IDs. Select the appropriate one.
2-3
The table shows the status available for lead management of loans.
Lead Status
Description
Possible Next Staus
New
All the leads generated from
the channel will have the status as 'New'
Follow Up
FCUBS user can see the
entire list of leads in the lead
summary screen.
Rejected
When the FCUBS user rejects
the lead.
Closed
Rejected
Status cannot be changed
When the status is selected as
'rejected', it will be mandatory
for the user to select the reason code in the sub screen
which will be populated at the
save operation.
Follow Up
Additional Documents Required
Review
The FCUBS contacts the prospect for further processing
Additional Documents
Required
The FCUBS user can edit the
details provided by the prospect/customer based on their
interaction.
Closed
After speaking to the prospect/
customer, FCUBS user
informs correct or additional
documents required.
Follow Up
When the status is selected as
'Closed', it will be mandatory
for the user to select the reason code in the sub screen
which will be populated at the
save operation
Offer Generated
When the prospect/customer
uploads corrected or additional
documents
Follow Up
Rejected
Offer Generated
Closed
Rejected
Closed
Rejected
Offer Generated
Offer Generated
When the FCUBS user simulates and system generates
the offer based on requested
details
2-4
Closed
Converted
Lead Status
Description
Possible Next Staus
Closed
When the FCUBS rejects or
closed the lead id
Status cannot be changed
When the status is selected as
'Closed', it will be mandatory
for the user to select the reason code in the sub screen
which will be populated at the
save operation
Converted
When the customer accepts
one of the generated offers
Closed
Application Under
process
When a converted loan lead is
saved in the application entry
stage of the origination, the
system will automatically
change
You will not be able to change
the status manually after this
status.
the status of the lead in ORDLEADM to "application under
process"
2.2.1
Main Tab
You can capture the following personal and geographical details related to a prospective
customer:
Sequence Number
The system displays the sequence number.Type
Select the type of the customer from the drop-down list provided. The following options are
available:

Primary

Co-Applicant
Existing
Check this box, if the lead applicant is an existing customer.
Local Branch
Select the local branch of an existing customer from the adjoining option list.
Customer No
Specify the customer, if the Customer is existing. The adjoining option list displays all valid
customer numbers. Select the appropriate one. If the Customer is prospect, then the system
generates the new customer ID, by default.
Default
Click on default button to default the details on existing customer.
Short Name
The system defaults the Short name when default button is pressed, if the applicant is an
existing customer. However, you can specify the short name, if the applicant is prospect.
2-5
Customer Name
The system defaults the Customer name when default button is pressed, if the applicant is an
existing customer. However, you can specify the customer name, if the applicant is prospect.
National ID
Specify the national Id or country code of the customer or select the national Id from the option
list provided.
Responsibility
Select the responsibility from the adjoining drop down list.
Liability
Specify the liability for all parties other than primary applicant.
City
Specify the city of the customer.If the lead is received from the channel (FCDB), then the city
value is passed by the FCDB to FCUBS and is defaulted here.
Country
Specify the country of domicile of the customer or select the country code from the option list
provided.
Nationality
Specify the country of which the customer is a national or select the country code from the
option list provided.
Language
Specify the primary language of the customer or select the language from the option list
provided.
Customer Category
Specify the category to which the customer belongs or select the customer category from the
option list that displays all valid customer categories.
Financial Currency
Select the financial currency from the adjoining option list.
Mobile Number
Specify the mobile phone number of the prospective customer.
Landline Number
Specify the land phone number of the prospective customer.
E-mail
Specify the e-mail Id of the prospective customer.
2-6
Fax
Specify the fax number of the prospective customer.
Preferred Date of Contact
Specify the preferred date of contact.
Preferred Time of Contact
Specify the preferred time of contact.
First Name
Specify the first name of the customer.
Middle Name
Specify the middle name of the customer.
Last Name
Specify the last name of the customer.
Salutation
Select the salutation preference of the customer from the drop-down list provided. You can
select any of the following options:

Mr

Mrs

Miss

Dr
Gender
Select the gender of the customer from the drop-down list.
Date of Birth
Specify the date of birth of the customer or select the date by clicking the ‘Calendar’ icon
provided.
Mother’s Maiden Name
Specify the customer’s mother’s maiden name.
Marital Status
Select the marital status of the prospective customer from the drop-down list. The following
options are available:

Married

Divorced

Remarried

Separated

Spouse Expired
Dependents
Specify the number of dependants for the customer.
SSN
Specify applicant’s SSN.
Passport Number
Specify the passport number of the prospective customer.
2-7
Passport Issue Date
Specify the date on which the customer’s passport was issued or select the date from by
clicking the adjoining ‘Calendar’ icon.
Passport Expiry Date
Specify the date on which the customer’s passport expires or select the date from by clicking
the adjoining ‘Calendar’ icon.
Existing Relationship Details
You can maintain the following relationship details:
Relationship Type
Specify the relationship type of the customer.
Credit Card Number
Specify the credit card number of the customer
Customer ID/Account Number
Specify the customer identification or account number of the customer.
Note
The system defaults the above details for both the prospect and the existing customer, if
the application is submitted from external system.

2-8
2.2.2
Details Tab
You can capture the address and employment related details of the prospective customer in
‘Details’ tab.
Address Details
Address Type
Select the address type of the customer from the following options provided in the drop-down
list:

Permanent

Home

Correspondence Address
Mailing
Check this box to indicate that the address you specify here is the customer’s mailing
address.
Address Line 1 – 4
Specify the address of the customer in four lines starting from Address Line 1 to Address Line
3.
Pincode
Specify the zip code associated wit the address specified.
Contact Number
Specify the contact telephone number of the customer.
Country
Specify the country associated with the address specified.
2-9
Employment Details
Employer
Specify the name of the employer of the prospective customer.
Employment Type
Select the customer’s employment type from the drop-down provided. The following options
are available:

Part Time

Full Time

Contract Based
Occupation
Specify the occupation of the prospective customer.
Designation
Specify the designation of the prospective customer.
Employee Id
Specify the employee Id of the prospective customer.
Address Line 1 – 4
Specify the employment address of the customer in four lines starting from Address Line 1 to
Address Line 4.
Country
Specify the country associated with the employment address specified.
Pincode
Specify the zip code associated with the office address specified.
Phone Number
Specify the official phone number of the prospective customer.
Extension
Specify the telephone extension number, if any, of the prospective customer.
Contact Phone
Specify the contact phone number of the customer’s contact person.
Contact Name
Specify the name of a contact person at the customer’s office.
Contact Extension
Specify the telephone extension number, if any, associated with contact person.
Department
Specify the department to which the customer belongs.
Comments
Specify comments, if any, related to the customer’s employment.
2-10
2.2.3
Financial Tab
You can capture the details related to the finance in the ‘Financial’ tab.
Income Details
Income Type
Select the income type from the adjoining option list.
Frequency
Select the frequency of the income of the applicant.
Currency
Select the currency of the income from the adjoining option list.
Amount
Specify the income amount.
2-11
2.2.4
Requested Tab
You can capture the details related to the requested loan in ‘Requested’ tab.
You can capture the following details here:
Requested Loan Details
Requested Currency
Specify the loan currency preference of the customer or select the currency from the option
list provided.
Requested Amount
Specify the loan amount requested by the prospective customer.
Tenor (in months)
Specify the preferred loan tenor (in months) of the prospective customer.
Rate
Specify the preferred interest rate of the prospective customer.
Loan Type
Select the loan type from the adjoining drop-down list.
Loan Purpose
Specify the Purpose of the loan.
Vehicle Details
Vehicle Type
Select the type of vehicle for which the loan is requested from the adjoining drop-down list.
Purchase Type
Select he purchase type from the adjoining drop-down list.
2-12
Requested CASA Details
Note
This section is applicable only for CASA Lead origination.
Type of Account
The system displays the type of account.
Purpose of Account
The system displays the purpose of the account.
Overdraft Limit Required
Check this box if overdraft limit is required.
2.2.5
Document Details
Click on ‘Documents’ link to invoke the Documents screen.You can upload the required
documents from the external system.
Document Category
Select the document category from the adjoining option list.
Document Reference
Specify the document reference.
Document Type
Select the type of document from the adjoining option list.
Remarks
Specify remarks, if any.
Ratio Upload
Check this box to enable ratio upload.
Upload
Click on ‘Upload’ button to upload the document.
2-13
View
Click on ‘View’ button to view the uploaded document.
The document upload from the external system is allowed only when:

the customer submits the loan request from the external system

the status in the Prospect Details screen is ‘Additional Documents Required’.
Note
The documents uploaded by the customer through the external system is stored in the
Document Management System with a document reference number.
2.2.6
Process Flow in Uploading Document from an External System
You can upload the required documents for the loan request from an external system.
Scenario 1: Uploading document during loan request submission

The customer can upload any kind of document along with the document type in this
stage.

The external system sends the document to the Document Management System and
generates a DMS reference number.
Scenario 2: Uploading document during ‘Additional Documents Required’ status and replacing document against the same document category
2.2.7

The external system enables the document upload link and displays the document
checklist to the customer.

The customer can then upload a document against the document category in the
checklist.

The external system then sends the document to the DMS and generates a DMS
reference number in Oracle FLEXCUBE.

The external system sends the status as ‘Review’ to Oracle FLEXCUBE to intimate
about the document upload.
Generating Offers
The offer is generated based on two conditions:

Promotion code attached to the lead

Pricing code attached to the lead.
Offer letter when promotion code is not attached to the lead:
The offer letters are generated according to the offers mapped to the product code at
application category maintenance screen (ORDCATMT). It is possible to map only five offers
against each of the products mapped to the application category.
If a pricing Id is attached to the application category, the offer defined in the pricing details
screen (ORDPRCMT) will be used for generating offer letters. Hence pricing will take
precedence in offer generation.
For example:
2-14
When promotion code is not specified, an application category without any pricing group
attached is selected.
Application Category: Retail_P
Pricing group attached: No
Products Mapped: Product A, B with five offers each.
In the simulation screen launched from the prospect details screen (ORDLEADM), when the
application category Retail_P and the product code as A is selected, then the offers matching
the requested loan details are displayed.
When promotion code is not specified, an application category with attached pricing group is
selected.
In ORDCATMT screen (application category maintenance detail screen)
Application Category: Retail_P
Pricing group attached: PRC1
Products Mapped: Product A, B with five offers each.
In ORDPRCMT screen (Pricing detail screen)
Pricing group: PRC1
Price Id 1
Price Id 2
Price Id 3 (Default pricing)
System will check the calculated score based on the requested loan details as entered in the
lead screen and displays the offer maintained for Default pricing id (price id 3).
Offer generation when promotion code is attached to the lead:
If a valid promotion ID is attached to a lead ID, the offer is mapped against the promotion code
in promotion details screen (CLDPROMT) for offer generation.
On clicking 'View Offers', the simulation screen is invoked and the option list against the
application category displays only those application categories with which the product
associated with the specific promotion code has been linked. Hence, the system validates and
restricts the application category based on the promotion code. In case of invalid promotion
code input received from the channel or specified by you, the system launches the option list
screen for ‘Promotion Id’ and you have to select a correct promotion code and proceed for
simulation. The promotion code field in the main lead screen will also get updated with the
selected correct promotion code.
Whenever a promotion code is specified, the offer associated with promotion code will take
precedence.
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2.2.8
Acceptance of the Offer by the Customer
If the customer accepts one of the offers from the external system then the Oracle
FLEXCUBE changes the lead status to ‘Converted’ and the offer reference number is locked
for that particular lead ID and request ID.
If the offer is accepted within the Oracle FLEXCUBE then the lead status is automatically
changed to ‘Converted’.The system intimates the offer reference number, request ID and the
status change to the external system.
Notifying the External SystemOracle FLEXCUBE communicates each status or
stage movements to the external system.\
Oracle FLEXCUBE
Status
Notification to External
System
Additional Communication
to External System
New
Status as New
Request ID, Lead ID
Follow Up
Status as Follow Up
RequesT ID, Lead ID
Additional Documents
Required
Status as Additional Documents required
Reason selected at FCUBS
for this status, Request ID,
Lead ID
Review
Status as Review
Request ID, Lead ID
Offer Generated
Status as Offer generated
DMS reference number
(unique offer Reference
numbers), Request ID, Lead
ID
Converted
Status as Converted
Status, Lead ID, Request ID
Closed
Status as Closed
Reason selected against this
status, Request ID, Lead ID
Rejected
Status as Rejected
Reason selected against this
status, Request ID, Lead ID
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2.2.9
Conversation Details
Click on ‘Conversation’ in the Prospect Detail screen to invoke the ‘Conversation Input’
screen.
The system displays the following details if the conversation ID is selected in the prospect
Detail screen.
Customer Details
Customer ID
The system displays the customer ID.
Customer Name
The system displays the name of the customer.
Conversation Details
Conversation ID
The system displays the conversation ID.
Conversation Date
The system displays the conversation date.
Conversation Time
The system displays the conversation time.
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Last Changed On
The system displays the date and time when the conversation was last changed.
Priority
The system displays the conversation priority.
Conversation Status
The system displays the conversation status.
Conversation Category
The conversation category is defaulted here.
Venue
The system defaults the venue.
Conversation Mode
The system displays the conversation mode.
Department Details
The system displays the following department details:

Department

User/Role

Other Department

Assigned To

Senior Management Involved

Other Offices Involved
Channel Details
The system displays the following channel details:

Direct Access Channel

External System User ID

Channel User ID
Message Details
The system displays the following message details
2.2.10

Original Request

Subject

Detail

Documents Presented

Reply to Customer

Closure Remarks
Interaction Integration of the External System
The customer initiates an interaction from the external system before lead generation. The
external system passes the conversation ID while submitting the lead request.
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If there is an existing interaction ID then it is intimated to Oracle FLEXCUBE at the time of
lead creation along with the service request number. The conversation ID passed by the
external system is displayed in the Prospect Detail screen.
If you initiate an interaction through Oracle FLEXCUBE then you can capture the details in the
‘Conversation Input’ screen. The details in the conversation input screen are displayed if the
conversation ID is maintained in the Prospect Detail screen.
2.3
Viewing Loan Prospect Summary
You can view a summary of the prospective loan customers or the borrowers in ‘Loan
Prospect Details’ screen. You can also query for a particular record based on desired search
criteria.
You can invoke this screen by typing ‘ORSLEADM’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Request ID

Lead Id

Application Type

Customer ID

Loan Type

Channel

Branch
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2-19
2.4
Maintaining Status Reason
You can maintain the status, reason codes and reason description against a specific status
through the ‘Status Reason Maintenance’ screen. To invoke this screen type ‘ORDSTRMT’
in the field at the top right corner of the Application tool bar and click the adjoining arrow
button.
You can capture the following in this screen:
Branch
Select the branch from the adjoining option list.
Application Type
Select the application type from the adjoining drop-down list. The available options are:

Retail

Corporate

CASA
Process Stages
Process Code
Select the process code against which the particular status is used, from the adjoining option
list.
Description
Give a brief description on the process code.
Status Definition
Status
Select the status from the adjoining option list.
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Enable
Check this box to enable the status defined here in the ‘Prospect Detail’ screen.
Reason Codes
Reason Code
Select the reason code from the adjoining option list. All the reason codes maintained in the
‘Error Messages Maintenance’ (CSDERMSG) screen will be available for selection in the
option list.
Description
Give a brief description on the reason.
Enable
Check this box to enable reason for the status in the ‘Prospect Details’ screen.
An ALL-ALL record is factory shipped. You can copy this record and maintain the status and
corresponding reasons for the particular branch. Only those error codes with the function id
as COMMON is displayed in the ‘Reason Code Maintenance’ screen.
Note
It is mandatory to select a reason when you select the status as Closed, Rejected or Additional Document Required, If the reason is not specified, then the system displays an error message as “Reason for the chosen status mandatory”.
2.4.1
Creating Customer Number
You can create customer number for the leads in the following scenarios:
2.4.1.1
CIF Functionality in the Lead Screen
If the customer is new, then a new CIF Id will be allocated to the lead. This CIF Id is displayed
in the ‘Customer Number’ of the ‘Applicant Details’ section. The CIF Id is later released when
the status of the lead is ‘Rejected’ or ‘Closed’.
For the existing customer, you can unlock and amend the CIF Id with the correct CIF Id in the
‘Customer Number’ of Applicant Details section. For the existing customer without the
external system log in, but with existing relationship details provided from the external system
but not validated by the external system:

The existing check box will be auto checked by the system and walk in customer Id will
be defaulted by the system in ‘Customer Number’ of Applicant Details section in lead
screen when the request is received from the channels.
However, when the lead record is modified and saved by the branch user, the system will
display an error message as “Invalid CIF. Cannot amend a lead as existing customer and
walk- in Customer ID”. You can then amend and input a correct customer number.
For the existing customer with the external system log-in, the customer number will be
validated and sent from the external system.
2.4.1.2
CIF release condition to be added for Loan
All the blocked CIF IDs are released by the system for loan leads with status as either
'Rejected' or 'Closed’.
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For leads with the status as 'Converted' which are not specified in the origination workflow,
the bank can decide to change the status to 'Closed', so that the blocked CIF number can be
released.
2.5
Simulating Retail Loans
You can simulate a loan proposal for a customer approaching the bank with enquiries about
the loan products offered by the bank. The following details would need to be captured as part
of the simulation:

Personal Details of the Prospect

Loan offers selected by the Prospect
Based on the product, offers selected and requested details, the system will generate loan
and schedule details.
You can enter the required details for the prospective customer in ‘Retail Loan Simulation
Details’ screen. You can invoke this screen by typing ‘ORDRLSIM’ in the field at the top right
corner of the Application tool bar and clicking the adjoining arrow button. You can also invoke
this screen by clicking on ‘View Offers’ button in the Prospect Detail screen.
If details are available as part of the maintenance for the prospect in the ‘Prospect Details’
screen, then after you specify the Application category, Product Code and Customer Number
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in this screen, if you click the ‘Default’ button, the system will populate all loan and schedule
details available for the prospect.
When you create a new proposal, the system will generate the Enquiry ID and the Date for
the proposal You are required to capture the following details:
Enquiry ID
On clicking the ‘Default’ button, the system generates and displays a unique enquiry ID.
Branch Code
The system displays the enquiry branch code. This cannot be modified.
Enquiry Date
The system displays the date of enquiry. Enquiry date cannot be modified.
Request ID
The system displays the request ID.
Request Date
The system displays the date when the request for loan was received.
Application Category
Specify the application category for the loan enquiry. You can also select it from the adjoining
option list.
Product Code
Specify the product code for loan product selected by the customer. You can also select it
from the adjoining option list.
Description
The system displays the description of the selected product code.
Status
The system displays the status of the loan simulation.
User Reference
On clicking ‘Default’ button, the system generates and displays a unique user reference
number. You can use this number to track the simulation later.
Lead ID
Specify the lead ID.
Click on ‘Default’ button to populate the details associated with application category and lead
ID.
Note
If the simulation screen is invoked from the lead screen (ORDLEADM), the lead id will be
propagated from the lead screen. You will have to click on the 'default' button to capture
the requested details associated with the lead Id.
In the standalone simulation screen, you have to input the lead Id and then click on the default
button if you want to capture the details related to a particular lead Id.Customer Details
Specify the following customer details:
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Customer No
Specify the customer number for the simulation customer who has initiated a loan account for
the same product and application category combination.
First Name
Specify the first name of the customer.
Last Name
Specify the last name of the customer.
Contact Number
Specify the number at which the customer can be contacted.
E-mail ID
Specify the e-mail ID of the prospective customer.
Requested Loan Details
You can enter the following details requested by the prospect:
The request loan details are propagated from the lead screen if the simulation screen is
invoked from the lead screen (ORDLEADM).
Requested Currency
Specify the loan currency preference of the customer. You can select the appropriate
currency code from the option list.
Requested Amount
Specify the loan amount requested by the prospective customer.
Interest Rate
Specify the preferred interest rate of the prospective customer.
Tenor (In Months)
Specify the preferred loan tenor (in months) of the prospective customer.
Promotion ID
Select the promotion ID from the adjoining option list.
Loan Purpose
Specify the customer’s purpose for obtaining the loan.
Click on ‘Generate Offers’ to generate multiple offers and auto calculate schedules for each
offer.
You can view the schedules by:

Clicking on 'view' against each offer in the selected format; or

Check each offer and go to component tab to view the details.
You cannot modify details and re simulate the offers, if the simulation is done from the lead
screen (ORDLEADM).However, in the standalone simulation screen, you can modify and
simulate again.
To simulate the modified details in standalone simulation screen:

Check one of the offers of the multiple offers generated.

The details against the particular checked offer will be displayed in the loan details tab.
2-24

You can modify the details in the loan details tab and then click on 'Apply' button.

You can explode the schedules in the component tab to view modified prequalification
offer letter.
However, the modifications done against a particular lead Id in the standalone simulation
screen will not be displayed or saved in the lead screen for that lead Id.
Note
–
The system generates the offer based on the promotion code and pricing code
specified in the Prospect Details screen. If a promotion ID is attached to the lead ID,
then on clicking ‘View Offers’ the system displays only those application categories
with which the product associated with specific promotion code is linked.
–
If promotion code is not specified, then you can select any product code mapped to
selected application category.
–
If pricing ID is attached to the application category then the offer specified in the
‘Pricing Details’ screen is used for generating the offer letters.
–
You will not be able to change details (as in standalone simulation screen) or manually select pricing id (as in underwriting screen) while simulating in the screen
launched from the lead screen.
2-25
2.5.1
Loan Tab
You can maintain the offers for the customer in the loan tab.
Enter the following details here:
Offer Reference Number
The system displays a unique reference number for each offer.
Offer ID
Specify a unique identification for the loan offer being made to the customer.
No of Instalments
Specify the number of instalments associated with the loan.
Frequency
Specify the frequency at which the loan disbursement should be carried out.
Units
Select the units based on which the loan disbursement should be carried out. The following
options are available in the option list:

Daily

Weekly
2-26

Monthly

Quarterly

Half Yearly

Yearly
Rate
Specify the interest rate to be associated with the loan.
Rate Code
Specify the rate code used to derive the interest rate or select the rate code from the option
list provided.
Check
Select the required offer by clicking the ‘Check’ option and click the ‘Apply’ button. The system
will default all the details in the ‘Loan Details’ pane. When you click the ‘Apply’ button available
in the lower pane in ‘Loan Details’, the system will populate the schedule details for the offer
you have selected.
Click on ‘View’ to view the generated offer letter on loans. You can also check on each offer
and go to components tab to view the offer details.
Format
Select the format in which the offer letter should be generated
Accepted
Check this box to show that an offer is locked to be used in origination.
Note
You cannot modify the details or re-simulate the offers if the Retail Loan Origination screen
is invoked from the Prospect Details screen.
Loan Details
After applying the requested offer or on applying the loan without selecting the offer, you need
to specify the following financing details.
Loan Branch
The system displays the branch code of the branch at which the loan enquiry was made.
Loan Account Number
The system displays the loan account number.
Financing Currency
The system displays the requested loan currency.
Financing Amount
The system displays the requested loan amount.
Value Date
Specify the date on which the loan was initiated.
Maturity Date
Specify the maturity date of the loan.
2-27
Instalment Start Date
Specify the date on which the first instalment falls due.
Status Change Mode
Specify the status change mode of the loan. The status change mode can be one of the
following:

Auto

Manual
No of Installments
Specify the total number of instalments.
Frequency
Specify the frequency of the loan.
Unit
Specify the unit of the frequency. The unit can be one of the following:

Daily

Weekly

Monthly

Quarterly

Half Yearly

Yearly

Bullet
Effective Date
Specify the following details:
Effective Date
Specify the effective date of the loan.
User Defined Element Values
Specify the following details:
User Defined Element ID
Specify the user defined element ID.
User Defined Element Value
Specify the value of the user defined element ID.
Rate Code
Specify the rate code to be used for the user defined element.
Code Usage
Select the code usage from the drop-down list.
Resolved
2.5.2
Component Tab
After the loan details have been displayed by the system or modified as per your
requirements, click ‘Apply’. The system will process these details. Click ‘Component’ and the
2-28
system will display the details of the payment and amortization schedules based on the loan
details.
You can specify the following schedule related details:
Compound Days
Specify the number of compound days.
Compound Months
Specify the number of compound months.
Compound Years
Specify the number of compound years.
Years
Select the actual number of days for the year from the adjoining drop-down list. You can select
one of the following options:

360

365

Actual
Days in Month
Select the number of days that would constitute a month for calculation from the adjoining
drop-down list. You can select one of the following options:

30 (euro)

30 (US)

Actual
2-29
After the loan application has been created in the system, if you select the ‘Enquiry ID’
specified here, the system will default the requested details for the offer selected here in the
‘Retail Loan Application Entry’ screen (in the ‘Requested’ tab). You can only view the details
in the screen. At the Underwriting stage, the system will default the loan details which you can
modify (in the ‘Loan’ tab of the ‘Retail Loan Underwriting Stage’ screen)
2.5.3
Viewing Disbursal Details
You can view the disburse details on ‘Disbursals’ screen. To invoke this screen, click
‘Disburse Details’ button in the ‘Components’ tab of the ‘Retail Loan Simulation Details’
screen
This screen displays the disbursal details.
2.5.4
Viewing Schedule Details
You can view the schedule details on ‘Schedule Details’ screen. To invoke this screen, click
‘Schedule Details’ button in the ‘Components’ tab of the ‘Retail Loan Simulation Details’
screen
2-30
This screen displays the schedule details.
2.6
Viewing Simulated Loan Details
You can view a summary of the loans that have been simulated for prospects in ‘Retail Loan
Simulation Summary’ screen. You can also query for a particular record based on desired
search criteria.
You can invoke this screen by typing ‘ORSRLSIM’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Enquiry ID

Application Category

Product Code

Customer Number

First Name

Last Name

Status

User Reference
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2-31
2.7
Maintaining Credit Rating Rules
You can maintain a set of questions along with a possible set of answers with associated
scores, to assess the credit rating of a prospective loan customer. You can also calculate the
risk factor associated with the loan and arrive at a credit grade based on the scores obtained.
You can maintain these details in ‘Rule Details’ screen. You can invoke this screen by typing
‘ORDRULMT’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
You can specify the following details in this screen:
Rule Id
Specify a unique identification for the credit rating rule.
Account Description
Specify a suitable description for the credit rating rule.
Type
Select the type of the loan from the following options available:
2.7.1

Retail

Corporate
Main Tab
You can maintain the following details in this tab:
2-32
Question Details
Question Id
The question Id is automatically generated by the system.
Category
Select the category to which the question belongs from the option list provided.
Question
Specify the question to be asked to the prospective customer to derive the credit rating score.
Answer Details
Sequence Number
The sequence number is automatically generated by the system.
Possible Answer
Specify a set of possible answers to be associated with a question.
Score
Specify the score associated with an answer.
2.7.2
Risk Factor Tab
You can specify the risk details associated with the loan and also indicate the formula for
calculating the credit score in this tab.
You can specify the following details here:
Risk Id
Specify a unique identifier for the credit risk being maintained.
Description
Specify a suitable description for the credit risk.
2-33
2.7.2.1
Specifying Formula Details
You can specify the formula to calculate the credit score by clicking the ‘Formula’ button
corresponding to a credit risk entry in Risk Factor tab.
The ‘Formula’ screen is displayed where you can specify the condition for calculating the
credit score associated with a risk condition.
You can specify the following details here:
Sequence Number
The sequence number is automatically generated by the system.
Condition
The condition specified using the Elements, Functions, Operators etc. gets displayed here.
Result
Specify the result to be associated with the condition specified.
Elements
Specify the data elements to be used to define the formula for credit score calculation or select
the element from the option list provided.
Functions
Select the mathematical function to be used to define the formula from the drop-down list
provided.
Braces
Select the opening or the closing brace from the drop-down list provided, to define the credit
score calculation formula.
Operators
Select the mathematical operator to be used to define the credit score calculation formula.
You can select ‘+’, ‘-‘, ‘*’, or ‘/’.
Logical Operators
Select the logical operator to be used to define the credit score calculation formula. You can
select ‘<’, ‘>‘, ‘=’, ‘<>’, ‘>=‘, ‘<=’, ‘AND’ or ‘OR’.
2-34
2.7.3
Specifying Credit Grades
You can maintain different credit grades based on the credit scores obtained. Click ‘Rating’
button in Rule Details screens to invoke the ‘Rating’ screen, where you can maintain these
details.
You can specify the following details here:
Sequence Number
The sequence number is automatically generated by the system.
Score
Specify the score associated with a credit risk.
Grade
Specify the credit grade based on the score obtained.
2.7.4
Specifying Auto Decision Details
While creating a loan, you need to decide whether the applicant is eligible to receive a loan
from the bank. Auto Decision feature in Oracle FLEXCUBE decides whether to approve or
reject an application. It also gives the stipulations or reasons for the decision.
To use this feature, you need to maintain the Auto Decision details in ‘Auto Decision’ screen
Specify the following details:
2-35
Serial Number
The system displays the serial number.
Score
Specify the maximum credit score of the loan applicant for the system to make the
corresponding auto decision.
Auto Decision
Specify the auto decision to be made for each credit score. You can maintain the maximum
credit scores for each of the following decisions:

Auto Approved

Recommend Approval

Recommend Reject

Auto Rejected
While creating a loan, based on the applicant’s credit score and auto decision mapping
maintained in here, the system decides whether to approve, reject, recommend approval or
recommend rejection of the application.
2.8
Viewing Credit Rule Summary
You can view a summary of the credit rules in ‘Rule Maintenance’ screen. You can also query
for a particular record based on desired search criteria.
You can invoke this screen by typing ‘ORSRULMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Rule Id
2-36
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2.9
Maintaining Credit Ratios
You can maintain the rules to calculate the credit ratios in ‘Credit Ratio Maintenance’ screen.
You can invoke this screen by typing ‘ORDRATMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify the following details in this screen:
Group Id
Specify a unique identification code for the ratio group.
Description
Specify a suitable description for the ratio group.
Type
Specify the type of the loan. You can choose one of the following loan types:

Retail

Corporate
Ratio Id
Specify a unique identification for the credit ratio being maintained.
Description
Specify a suitable description for the credit ratio.
2-37
2.9.1
Specifying Formula Details
You can specify the formula to calculate the credit ratio by clicking the ‘Formula’ button
corresponding to a ratio Id. The ‘Formula’ screen is displayed where you can specify the
condition for calculating the credit ratio associated with a ratio Id.
You can specify the following details here:
Ratio Type
Select the type of the ratio being maintained, from the drop down list provided. The following
options are available:

Stated Before

Stated After

Actual Before

Actual After
Condition
The condition specified using the Elements, Functions, Operators etc. gets displayed here.
Elements
Specify the data elements to be used to define the formula for credit ratio calculation or select
the element from the option list provided.
Functions
Select the mathematical function to be used to define the formula from the drop-down list
provided.
Braces
Select the opening or the closing brace from the drop-down list provided, to define the credit
ratio calculation formula.
Operators
Select the mathematical operator to be used to define the credit ratio calculation formula. You
can select ‘+’, ‘-‘, ‘*’, or ‘/’.
2.10 Viewing Credit Ratio Summary
You can view a summary of the credit ratios in ‘Credit Ratio Maintenance’ screen. You can
also query for a particular record based on desired search criteria.
2-38
You can invoke this screen by typing ‘ORSRATMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Group Id
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2.11 Maintaining Override Details
You can maintain the formulae to verify if overrides need to be generated dynamically, in
‘Override Maintenance’ screen.
2-39
You can invoke this screen by typing ‘ORDOVDMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify the following details in this screen:
Process Code
Specify the process code of the process for which you wish to maintain override conditions or
select the process code from the option list provided.
Application Category
Specify the category to which the loan application belongs or select the application category
from the option list provided.
Type
Select the type of the loan from the following options available:

Retail

Corporate
Stage
Select the stage of the loan origination process from the option list provided. The various
stages can be Application Entry, Application Verification, Underwriting, Loan Approval etc.
Description
Specify a suitable description for the loan origination stage.
Overrides
Here, you can capture the details of the conditions to be checked for generating override
messages.
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Sequence Number
The sequence number is automatically generated by the system.
Condition
The condition specified using the Elements, Functions, Operators etc. gets displayed here.
Error Code
Specify the error code to be used to generate the override message or select the error code
from the option list provided.
Error Parameter
Specify the error parameter to be substituted in the override messages.
Elements
Specify the data elements to be used to define the conditions for generating override
messages or select the element from the option list provided.
Functions
Select the mathematical function to be used to define the condition from the drop-down list
provided.
Braces
Select the opening or the closing brace from the drop-down list provided, to define the
conditions for generating override messages.
Operators
Select the mathematical operator to be used to define the conditions for generating override
messages. You can select ‘+’, ‘-‘, ‘*’, or ‘/’.
Logical Operators
Select the logical operator to be used to define the conditions for generating override
messages. You can select ‘<’, ‘>‘, ‘=’, ‘<>’, ‘>=‘, ‘<=’, ‘AND’ or ‘OR’.
2.12 Viewing Override Summary
You can view a summary of the overrides in ‘Override Maintenance’ screen. You can also
query for a particular record based on desired search criteria.
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You can invoke this screen by typing ‘ORSOVDMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Process Code

Application Category
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2.13 Maintaining Document Details
You can maintain the list of documents that are required during the loan origination process,
in ‘Documents Verify Maintenance’ screen. Document checklists are maintained for an
application category and for the various stages in the origination process. You can also
maintain the details of the Advices that need to be generated on completion of a stage in the
process.
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You can invoke ‘Documents Verify Maintenance’ screen by typing ‘ORDDOCMT’ in the field
at the top right corner of the Application tool bar and clicking the adjoining arrow button.
You can specify the following details in this screen:
Process Code
Specify the process code of the process for which you wish to maintain override conditions or
select the process code from the option list provided.
Application Category
Specify the category to which the loan application belongs or select the application category
from the option list provided.
Stage
Select the stage of the loan origination process from the option list provided. The various
stages can be Application Entry, Application Verification, Underwriting, Loan Approval etc.
Stage Title
Specify a suitable description for the loan origination stage.
Document Details
Document Category
Specify the category to which the document belongs or select the document category from
the option list provided.
Document Type
Specify the type of the document or select the document type from the option list provided.
Mandatory
Select the option to indicate whether the document is mandatory or not. You can select any
of the following options from the drop-down list provided:
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
Mandatory

Overridden

Others
BI Advices
Report Name
Specify the name of the advice report to be generated on completion of the process stage.
Template
Specify the template to be used to generate the advice report.
Format
Select the format in which the advice report needs to be generated from the drop-down list
provided. The following options are available:

PDF

RTF
Locale
Select the locale information to be used for generating the advices from the drop-down list.
The following options are available:

en-US
Out come
Specify the outcome for which the report needs to be generated.
Checklist Details
Sequence Number
The system displays the sequence number.
Checklist Item
Specify the checklist to be maintained.
Mandatory
Check this box to indicate whether the checklist is mandatory or optional.
Here, you can also maintain the documents for the Lead with the stage as Default.
2.14 Viewing Document Checklist Summary
You can view a summary of the document checklists and advices in ‘Document Details’
screen. You can also query for a particular record based on desired search criteria.
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You can invoke this screen by typing ‘ORSDOCMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Process Code

Application Category
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2.15 Maintaining Application Category Details
You can maintain various application categories linked to multiple loan products that cater to
the requirements of different customers, in ‘Application Category Maintenance’ screen. The
entire process of loan origination depends mainly on the category to which the application
belongs.
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You can invoke ‘Application Category Maintenance’ screen by typing ‘ORDCATMT’ in the
field at the top right corner of the Application tool bar and clicking the adjoining arrow button.
You can specify the following details in this screen:
Application Category
Specify a unique identification for the loan application category.
Category Description
Specify a suitable description for the loan application category.
Rule Id
Specify the credit rule to be associated with the application category or select the Rule Id from
the option list provided.
Ratio Id
Specify the credit ratio to be associated with the application category or select the Ratio Id
from the option list provided.
Pricing Group
Specify the pricing group to be linked to the retail loan category. The option list displays all
valid pricing groups applicable. Choose the appropriate one.
2.15.1
Main Tab
You can capture the following details in the ‘Main’ tab.
Product Details
You can specify the following details related to the loan product here:
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Product Code
Specify the identification code of the loan product to be linked to the application category
being maintained. You can also select the product code from the option list provided.
Product Description
The description associated with the selected loan product gets displayed here.
Default
Check this box to indicate if the loan product selected should be maintained as the default
product for the application category.
External Credit Check Required
Check this box to enable external credit check . If this box is checked it indicates that credit
bureau pull is required for applications under this application category.
External Credit Check Required for
Select the applicants for whom external credit check is required. The drop-down list displays
the following options:

All Applicants - Select this to enable credit bureau pull for all the applicants

Only Primary Applicant - Select this to enable credit bureau pull only for the primary
applicant
Select the appropriate one.
Amount Basis
Check this box to set the requested loan amount as the basis for deciding whether external
credit check required or not. If you check this, you need to specify the requested loan amount
range to apply this rule. If the requested loan amount falls within the range thus specified, the
system will initiate credit bureau pull.
If you have enabled credit bureau check and this box is not checked, then the applications
under this application category will be considered for external credit check irrespective of the
requested loan amount.
Amount From
If you have opted the requested loan amount as the basis for deciding requirement for
external credit check, then you need to specify the amount range.
Specify the minimum amount of the amount range.
Amount To
If you have opted the requested loan amount as the basis for deciding requirement for
external credit check, then you need to specify the amount range.
Specify the maximum amount of the amount range.
If you have enabled amount as the basis and specified the range, then while processing the
application, the system will decide whether to enable external credit check, based on the
requested loan amount.
Account Class Details
Note
This section is applicable only for CASA accounts.
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You can link the required account classes to the application category here:
Account Class
Specify a valid account class you need to link with the application category. The adjoining
option list displays a list of available account classes. Select the appropriate one.
You can link an account class to only one application category. However, you can link multiple
account classes to an application category.
Account Description
The system defaults the description associated with the specified account class here
Default
Check this box if you need to maintain the account class as the default option.
Offer Details
You can capture the additional details related to the loan product here:
Offer Id
Specify a unique identification for the loan offer being made to the customer.
No of Installments
Specify the number of instalments associated with the loan.
Units
Select the units based on which the loan disbursement should be carried out. The following
options are available in the option list:

Daily

Weekly

Monthly

Quarterly

Half Yearly

Yearly
Frequency
Specify the frequency at which the loan disbursement should be carried out.
Rate
Specify the interest rate to be associated with the loan.
Rate Code
Specify the rate code used to derive the interest rate or select the rate code from the option
list provided.
Default
Check this box to indicate if the loan offer specified should be maintained as the default offer
for the application category.
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2.15.2
Agency Tab
In ‘Agency’ tab, you can capture the details of the credit rating agencies and credit bureaus
that provide credit rating details for customer securities.
You can specify the following details in this screen:
Credit Agency
You can capture the details related to the credit rating agencies here.
Agency Code
Specify the identification code of the rating agency that provides credit rating details for
customer securities.
Agency Name
Specify the name of the rating agency that provides credit rating details for customer
securities.
Bureau Details
You can capture the details related to the credit bureau here.
Bureau Code
Specify the identification code of the credit bureau that provides credit ratings for customer
securities.
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Bureau
Based on the bureau code, the system displays the name of the bureau that provides credit
rating details for customer securities.
Call Priority
Specify the priority of this bureau in the order of preference by which the bureaus will be
called. When there are multiple bureaus, this bureau will be called based on the priority set
here.
2.16 Viewing Application Category Summary
You can view a summary of the application categories in ‘Category Details’ screen. You can
also query for a particular record based on desired search criteria.
You can invoke this screen by typing ‘ORSCATMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
You can specify any of the following details to search for a record:

Authorization Status

Record Status

Application Category
Click ‘Search’ button to search for a record based on the search criteria specified. You can
double click a desired record to view the detailed screen.
2.17 Maintaining Pricing Details
Oracle FLEXCUBE allows you to maintain pricing groups and apply a suitable pricing rule to
an application category during retail loan origination. The pricing rule automatically selects the
best matched loan offer for the loan application from the available offers for the application
category.
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You need to maintain pricing groups and define the price IDs and formulae for the group using
‘Pricing Maintenance’ screen.
To invoke the screen, type ‘ORDPRCMT’ in the field at the top right corner of the application
toolbar and click the adjoining arrow button.
Specify the following details:
Pricing Group ID
Specify a unique name to identify the price group.
Description
Specify a brief description of the price group.
Price Type
Specify the price type associated with the price group. You can choose one of the following
price types:

Corporate

Retail
Pricing Details
Specify the following details.
Price ID
Specify a unique price ID.
This price ID can be applied to a loan at underwriting stage.
Price Description
Specify a brief description of the price ID.
Default
Check this box to set this as the default price ID for the price group that you maintain.
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2.18 Viewing Pricing Details
You can view the pricing details maintained in the ‘Pricing Details’ screen. To invoke the
screen, type ‘ORSPRCMT’ in the field at the top right corner of the application toolbar and
click the adjoining arrow button.
In this screen, you can base your queries by providing any or all of the following criteria:

Application Status

Price Group ID

Price Type

Record Status

Description
Based on the details provided, system displays the following details:

Authorization Status

Record Status

Price Group ID

Description

Price Type
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2.18.1
Maintaining Pricing Formula
Click ‘Formula’ button to define the pricing rule for each price ID. You can define the formula
using origination system elements in Oracle FLEXCUBE.
Sequence Number
Specify the sequence number.
Condition
Specify the possible data or the data limits here. The supported operators are:
Operator
Description
=
Equals To
>
Greater Than
>=
Greater Than (or) Equals To
<
Less Than
<=
Less Than (or) Equals To
Score
Specify the score for each condition.
Elements
Select the element from the adjoining option list.
If the loan requested details satisfies the condition specified in the pricing maintenance then
the corresponding score gets added. If the details do not satisfy the condition then zero will
be considered as default score.
Functions
Select the mathematical function to be used to define the formula from the drop-down list
provided.
Braces
Select the opening or the closing brace from the drop-down list provided, to define the credit
score calculation formula.
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Operators
Select the mathematical operator to be used to define the credit score calculation formula.
You can select ‘+’, ‘-‘, ‘*’, or ‘/’.
Logical Operators
Select the logical operator to be used to define the credit score calculation formula. You can
select ‘<’, ‘>‘, ‘=’, ‘<>’, ‘>=‘, ‘<=’, ‘AND’ or ‘OR’.
Based on the formula and the loan application category, the system automatically applies a
price ID to the application. You can apply a different price ID that matches the application only
at the Underwriting Stage.
If you change a price ID selected by the system and reapply a different price ID, the system
changes the score of the pricing rule. The score determines the price ID to be automatically
applied.
2.18.2
Maintaining Pricing Offer
Click ‘Pricing’ button to define the pricing rule for each price ID for the user to pick up the offer
for the loan
You can specify the following details here:
Sequence Number
System generates the sequence number.
Score From
Specify the start credit score to pick the offer for the loan.
Score Up To
Specify the end credit score to pick the offer for the loan.
Rate
Specify the rate to be picked up for the score.
No of Instalments
Specify the number of instalments for the offer.
Frequency
Specify the frequency of the offer.
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Units
Select the frequency unit from the adjoining drop-down list. You can select one of the
following:

Daily

Weekly

Monthly

Quarterly

Half Yearly

Yearly

Bullet
2.19 Maintaining Field Investigation Details
You can maintain field investigation details including the agency details and the
corresponding verification types using ‘Field Investigation Maintenance’ screen. To invoke
this screen, type ‘ORDFIAMT’ at the top right corner of the application toolbar and click the
adjoining arrow button.
Specify the following details:
Branch Code
Specify the branch code.
2.19.1
Agency Tab
Under ‘Agency’ tab, you can capture the details of the investigation agency and the
corresponding verification type.
Agency Code
Specify a unique agency code. The system will use this code to identify the agency whose
details you are maintaining.
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Agency Name
Specify the name of the investigation agency whose details you are maintaining.
Contact Number
Specify the contact number of the agency.
Verification Type
Select the verification type that you need to associate with the agency. The drop-down list
displays the following verification types:

Address - Select ‘Address’ to indicate that the agency deals in address verification only

Employment - Select ‘Employment’ to indicate that the agency deals in employment
verification only

Collateral - Select ‘Collateral’ to indicate that the agency deals in collateral verification
only

All - Select ‘All’ to indicate that the agency deals in all kind of verifications, i.e. address,
employment and collateral verifications.
Select the appropriate one.
2.19.2
Others Tab
Click ‘Others’ tab on the ‘Field Investigation Maintenance’ screen.
Under ‘Others tab, you can configure the statuses and results that should be enabled for the
field investigation.
Status
You can configure the statuses here. The statuses that you enable here will be available at
the following places for selection:

‘Status’ field on the ‘Investigation’ tab of ‘Field Investigation Update’ (ORDFIUPD)
screen.

‘Status’ field on the ‘Investigation’ tab at ‘Retail Loan Underwriting Stage’.
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You can add a new status or delete an existing status using the add row button or delete row
button respectively.
Code
Specify a unique code that identifies the status that you are maintaining.
Description
Specify a brief description of the status.
Enabled
Check this box to enable the status. If you enable the status, the system will allow you to use
the corresponding status in the following places:

‘Status’ field on the ‘Investigation’ tab of ‘Field Investigation Update’ (ORDFIUPD)
screen.

‘Status’ field on the ‘Investigation’ tab at ‘Retail Loan Underwriting Stage’.
If you do not check the box for a particular status, you will not get that status for selection in
the above screens
Result
You can configure the results here. The results that you enable here will be available at the
following places for selection:

‘Result’ field on the ‘Investigation’ tab of ‘Field Investigation Update’ (ORDFIUPD)
screen.

‘Result’ field on the ‘Investigation’ tab at ‘Retail Loan Underwriting Stage’.
You can add a new result or delete an existing result using the add row button or delete row
button respectively.
Code
Specify a unique code that identifies the result that you are maintaining.
Description
Specify a brief description of the result.
Enabled
Check this box to enable the result. If you enable the result, the system will allow you to use
the corresponding result in the following places:

‘Result’ field on the ‘Investigation’ tab of ‘Field Investigation Update’ (ORDFIUPD)
screen.

‘Result’ field on the ‘Investigation’ tab at ‘Retail Loan Underwriting Stage’.
If you do not check the box for a particular result, you will not get that result for selection in
the above screens.
Once you have captured the details, save the maintenance.
2.19.3
Viewing Field Investigation Summary
You can view a summary of the field investigations maintained in the system using ‘Field
Investigation Summary’ screen. To invoke the screen, type ‘ORSFIAMT’ in the field at the top
right corner of the application toolbar and click the adjoining arrow button.
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You can search for the records based on the of parameters available on the screen. The
system will display the records based on the search criteria specified. You can double-click a
record to open the detailed screen.
2.20 Updating Field Investigation Details
You can update the field investigation results and other details for a selected application type
using ‘Field Investigation Update’ screen. To invoke the screen, type ‘ORDFIUPD’ in the field
at the top right corner of the application toolbar and click the adjoining arrow button.
You can specify the following details:
Application Number
Specify the retail loan application number for which the field investigation details need to be
updated. The option list displays all valid retail loan application numbers that are in any stage
from application entry to underwriting.
Choose the appropriate one.
Application Branch
Based on the application number, the system displays the application branch code. You can
update the investigation details of the agencies only if they are maintained under this branch.
Applicant Details
Based on the application number selected, the system displays the following details of the
applicant:

Type of applicant

Local branch code of the applicant

Customer number

Name of the applicant
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2.20.1
Investigation Tab
Under this tab, you can update the specify investigation details:
Verification Type
Select the type of verification. The drop-down list displays the following verification types:

Address

Employment

Collateral
Select the appropriate one.
Agency
Specify the agency code of the agency who will investigate the information. The option list
displays all valid agency codes maintained under the branch code that you have specified
above. Select the appropriate one.
Status
Specify the status of investigation. The drop-down list displays all statuses that are enabled
in ‘Others’ tab of the ‘Field Investigation Maintenance’ screen, for the selected agency.
Call Date
If the agency has conducted the investigation over the phone, specify the date on which the
phone call was made.
Number of Attempts
Specify the number of attempts made to investigate. This includes the number of visits, phone
calls and other attempts that were made during investigation.
Spoke To
Specify the name of the person to whom the investigation agency has spoken in order to get
the information verified.
Result
Specify the result of the investigation. The drop-down list displays all valid results that are
enabled in ‘Others’ tab of the ‘Field Investigation Maintenance’ screen, for the selected
agency.
Remarks
Specify the remarks with regard to the investigation, if any.
Once you have updated the details, save the record.
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2.20.2
Viewing Field Investigation Update Summary
You can view a summary of field investigation updates using ‘Field Investigation Update
Summary’ screen. To invoke the screen, type ‘ORSFIUPD’ in the field at the top right corner
of the application toolbar and click the adjoining arrow button.
You can search the for the records based on one or more of the following parameters:

Authorization status

Record status

Application branch

Application number
Once you have specified the search parameters, click search button. The system displays the
following details of the records maintained.

Authorization status

Record status

Application branch

Application number
2.21 Maintaining Credit Bureau Details
You can maintain the details of external credit bureaus using ‘Credit Bureau Maintenance’
screen. You can use the credit bureau information while retrieving the credit information of
retail loan applicants through external credit checks.
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To invoke the ‘Credit Bureau Maintenance’ screen, type ‘ORDCBRMT’ in the field at the top
right corner of the application toolbar and click the adjoining arrow button.
Specify the following details:
Bureau Code
Specify a unique code that identifies the credit bureau that you are maintaining.
Bureau
Specify the name of the bureau.
Branch Code
Specify the branch code for which the bureau details are maintained. Use add row button to
add more rows to the list of branches.
Validity Period for Bureau Report
Select the number of days during which the credit report from this bureau is considered as
valid. The drop-down list displays the following values:

30 days

60 days

90 days

120 days

Blank Space - If the credit check is initiated for the same bureau either automatically or
manually by underwriter, a new bureau report will be fetched and displayed irrespective
of any bureau report existing for same applicant from the same bureau.
Select the appropriate one. The system will store the credit bureau report of the applicant for
the validity period from the date of report request.
You can add more rows to the list of branches using add row button. Once you have specified
all the details, save the maintenance.
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The following credit bureaus are already available in the system.
Bureau Name
Bureau Code
Equifax
EQFX
TransUnion
TRUN
Credco
CRDC
Experian
EXPN
CIBIL
CIBL
You can add the details of other credit bureaus as per requirement.
2.21.1
Viewing Credit Bureau Summary
You can view a summary of credit bureau details maintained in the system using ‘Credit
Bureau Details’ screen. To invoke the screen, type ‘ORSCBRMT’ in the field at the top right
corner of the application toolbar and click the adjoining arrow button.
You can search for the records based on one or more of the following parameters:

Authorization status

Record status

Bureau code
Once you have specified the search parameters, click search button. The system displays the
following details of each result.

Authorization status

Record status
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
Bureau code
2.22 Maintaining ZIP Code Details for Bureau Call Order
You need to maintain the ZIP codes and the order of credit bureau pull using ‘Zip Code
Maintenance’ screen.
This maintenance enables the bank to automatically decide the credit bureaus from which the
credit report of a specific applicant to be taken. The decision is based on the zip code of the
applicant’s address.
To invoke ‘Zip Code Maintenance’ screen, type ‘ORDZIPMT’ in the field at the top right corner
of the application toolbar and click the adjoining arrow button.
Specify the following details:
Branch Code
Specify the branch code for which the zip code and bureau call order are being maintained.
Zip Code Maintenance
You need to specify the zip code details in this section. You can add more rows to the list of
zip codes using the add row button.
From Zip Code
Specify the first Zip code of the Zip code range. For the range of Zip codes from the first to
the last, the system will decide the order of calling credit bureaus for credit check.
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To Zip Code
Specify the last Zip code of the Zip code range. For the range of Zip codes from the first to the
last, the system will decide the order of calling credit bureaus for credit check.
Bureau Call Order and Validity
In this section, you need to maintain the call order of the bureau for the Zip code ranges
specified above.
Bureau Code
Specify the bureau code. You can select the appropriate bureau code from the option list.
Bureau Name
Based on the bureau code selected, the system displays the name of the bureau.
Bureau Call Order
When there are multiple bureaus, you can set the order in which the bureau will be called.
Select the order of this bureau from the option list. The order ‘1’ indicates that the bureau will
be called first and the order ‘5’ indicates that the bureau will be called at fifth turn.
Validity Period for Bureau Report
The system displays the number of days during which the credit report from this bureau is
considered as valid. This can be one of the following values, based on the details maintained
in ‘Bureau Maintenance Details’ screen:

30 days

60 days

90 days

120 days
Select the appropriate one.
Once you have specified the details, save the maintenance.
During a retail loan application process, the system will check the Zip code of the address of
the applicant. Based on the Zip code - credit bureau call order maintenance, the system will
decide the credit bureau and request the credit report. If the system is not able to get the credit
report from the first credit bureau, it will request a report from the second bureau and so on.
If you have not maintained any Zip code - credit bureau call order, the system will request the
credit report based on the call order defined in ‘Application Category Maintenance’ screen.
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2.22.1
Viewing Zip Code Summary
You can view a summary of Zip code details maintained in the system using ‘Zip Code Details’
screen. To invoke the screen, type ‘ORSZIPMT’ in the field at the top right corner of the
application toolbar and click the adjoining arrow button.
You can search for the records based on one or more of the following parameters:

Authorization status

Record status

Branch
Once you have specified the search parameters, click search button. The system displays the
following details of each result.

Authorization status

Record status

Branch
2.23 Stages in Retail Loan Origination
The different stages in Retail lending process flow are designed using Oracle BPEL
framework. The process of loan origination consists of several manual as well as system
tasks, carried out in a sequential manner. Many users can be involved in the completion of a
transaction and at each stage of the process, a user or a group of users, assigned with a task,
acquire and work on the relevant transaction.
Oracle Business rules that are embedded help the dynamic creation of multiple approval
stages. The different stages and sub-stages in the process flow can be summarized as
follows:

Application Entry – the following details are captured in this stage
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
–
Applicant Information
–
Application details
–
Requested Loan Details
–
Collateral Details
–
Checklist
–
Documents
–
Advice Generation
Application Verification
–
Information captured during ‘Application Entry’ stage is verified
–
Advice Generation

Internal KYC

External KYC

Underwriting



–
Collateral –Vehicle Valuation Information
–
Applicant Financial Ratios
–
Applicant Credit Score
–
Applicant Bureau Report
–
Loan Offers
–
Loan Schedules
–
Loan Charges
–
Field Investigation
–
Document Capture
–
Advice Generation
Loan Approval
–
Information captured during Previous stages are verified
–
Advice Generation
Document Verification
–
Information captured during Previous stages are verified
–
All documents obtained are verified against checklist
–
Advice Generation
Manual Retry
The various tasks carried out in these stages will be explained in detail in the subsequent
sections.
2.23.1
Process Flow Diagram
The process flow diagram given below illustrates the activities carried out during the different
stages of the workflow.
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2.23.2
Process Matrix
The process matrix given below lists out the different stages the function Ids involved and the
exit points for each stage.
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Stage
Stage Title
Description
Function
Id
Stage
Outcome
1
Application
Entry
The following details are captured
as part of this stage
ORDRLAPP
PROCEED,
ORDRLVER
PROCEED,
CANCEL
Application Details
Applicant Details
Requested Lending Details
Collateral Details
Check List
User Defined Fields and Comments
Document Capture
Advice Generation
2
Application
Verification
The details captured as part of
‘Application Entry’ stage is verified
Document Capture
RETURN,
CANCEL
Stage Comments
3
Internal
KYC
The Customer will be verified for
Internal KYC check and reviewed
The following details are captured
as part of this stage
ORDRLIKC
PROCEED,
CANCEL
ORDRLEKC
PROCEED,
CANCEL
Document Capture
Stage Comments
4
External
KYC
The Customer will be verified for
External KYC check and reviewed
.The following details are captured
as part of this stage
Document Capture
Stage Comments
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Stage
Stage Title
Description
Function
Id
Stage
Outcome
5
Underwriting
The following details are captured
as part of this stage
ORDRLUND
RETURN,
PROCEED,
VERIFY,
CANCEL
ORDRLAPR
PROCEED,
ORDRLDV
R
PROCEED,
RETURN,
Collateral Valuation Information
Applicant Financial Ratios
Applicant Credit Score
Applicant Bureau Report
Loan Offers
Loan Schedules
Loan Charges
Field Investigation
Document Capture
Advice Generation
6
7
Loan
Approval
Loan Approval
Document
Verification
The details captured as part of
‘Underwriting’ stage is verified.
The following details are captured
as part of this stage
CANCEL
CANCEL
Document Capture
Stage Comments
After this stage the following core
activities are carried out in the following sequential order
Applicant Creation
Applicant Account Creation
Applicants Limits (Liability, Facility,
Collateral, Pool) creation
Loan Creation
8
Manual
Retry
This stage is optional. Task is
moved to this stage only when the
system is unable to create Customer/ Customer Account/ Liability/ Facility/ Collateral/ pool/ Loan.
You have to do the necessary
changes and retry the same
The stages are explained in detail in the sections that follow.
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ORDRLMCU
PROCEED
Step 1.Application Entry
In this stage, the bank receives an application for a loan along with the relevant documents
and financial statements from a prospective customer. If the applicant does not have an
account but intends to open one, the bank also obtains the account opening form and related
documents as part of this activity.
The details related to the applicant, contact information, employment information, requested
loan details, collateral details etc. are captured during this stage. Documents obtained from
the applicant are uploaded and advices maintained for the stage are generated by the
process after completion of the stage.
You can key-in the loan application details required in ‘Retail Loan Application Entry’ screen.
You can also invoke this screen by typing ‘ORDRLAPP’ in the field at the top right corner of
the Application tool bar and clicking the adjoining arrow button.
The Application Number is automatically generated by the system. You can capture the
following details in the main screen:
Application Category
Specify the loan application category to be used or select the application category from the
option list provided.
Product Code
Specify the retail lending product to be used for initiating the loan or select the product code
from the option list provided.
Description
The system displays the brief description on the selected retail lending product. You cannot
modify it.
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Application Branch
The system defaults the application branch. You cannot modify it.
Application Date
The system defaults the branch date as the application date. You cannot modify it
Lead ID
Specify the lead Id of the loan applicant or select the lead Id from the option list provided.
Enquiry ID
Specify an enquiry Id, if you wish to retrieve information on the loan offer selected by the
customer. You can also select the ID from the adjoining option list. The list contains all the
Enquiry IDs created for the customer as part of the loan simulation process.
Application Number
The system displays the application number. You cannot modify it.
User Reference
System defaults the user reference number. However you can modify it.
Application Priority
Select the priority of application.
Application Status
The status of the application gets displayed here.
Click ‘Default’ button to default the details related to the prospective loan customer. It also
defaults the Application Category related details like documents mapped to that particular
stage.
In the ‘Category Maintenance’ screen, if you have marked it as ‘Default’, the system
automatically displays the ‘Product’ and ‘Product Description’.
2.23.3
Main Tab
The details corresponding to the lead Id selected gets displayed in the ‘Customer’ tab, once
you click the ‘Default’ button. You can modify these details if needed.
For existing customers of the bank, you need to specify the following details:
Channel
Specify the channel Id of the originating channel.
Intermediary Group
Specify the identification code of the intermediary group if the customer has been associated
with any.
KYC Required
Check this box to indicate the KYC check is required for the customer.
If you check this box, the system will evaluate a business rule. Based on that rule, the system
initiates internal KYC or External KYC or both during application entry and verification stage.
If you do not check this box, the system then system skips the Internal KYC and External KYC
stages after completing the application entry and verification stages.
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Auto Decision Required
Check this box to enable auto decision on loan application. If you check this box, based on
the applicant credit score – auto decision mapping maintained in ‘Auto Decision’ screen, the
system decides whether to approve, reject, recommend approval or recommend rejection of
the application. If you do not check this box, the system will not make an auto decision with
regard to approval of the application.
You can set the status of this check box only during Application Entry stage.
External Credit Check Required
This is defaulted from ‘Application Category Maintenance’ screen.
The credit check initiation happens before underwriting stage.
Note
Note the following:
–
In case external credit check is not enabled for the application category and if you
enable it at the application entry stage, the system will display an error message
“External credit check not required for primary applicant”.
–
In case external credit check is enabled only for primary applicant in the application
category and if you enable it for other applicants, the system will display an error
message “External credit check required for only primary applicant”.
–
In case external credit check is enabled for all applicant in the application category
and if you enable it for primary applicant alone, the system will display an error
message “External credit check required for all applicants”.
–
If bureau report is available for the customer and the customer applies for another
loan, then the system displays the alert ‘Bureau report already exists for the
customer’ when you save the record at application entry stage based on the validity
period settings for the chosen bureau. If the existing bureau report is within the
validity period only then this message will be displayed.
–
If an external bureau report in validity period is already available for the applicant,
then the system will not initiate the credit bureau pull. The details of the report in
validity period will be used.
External Credit Check Required for
Select the applicants for whom external credit check is required. The drop-down list displays
the following options:

All Applicants - Select this to enable credit bureau pull for all the applicants

Only Primary Applicant - Select this to enable credit bureau pull only for the primary
applicant
Select the appropriate one.
Group Code
Specify customer’s group code along with the applicant’s details.
Mobile ISD Code +
Specify the international dialling code for the mobile number of the customer. The adjoining
option list displays valid ISD codes maintained in the system. Select the appropriate one.
Mobile Number
Specify the mobile number of the customer.
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Telephone ISD Code +
Specify a valid international dialling code for the telephone number of the customer. The
adjoining option list displays valid ISD codes maintained in the system. Select the appropriate
one.
Landline Number
Specify the landline number of the customer.
E-mail
Specify the E-mail address of this customer.
Fax ISD Code+
Specify the international dialling code for the fax number of the customer. The adjoining option
list displays valid ISD codes maintained in the system. Select the appropriate one.
Fax
Specify the fax number of the customer.
SSN
Specify applicant’s SSN.
Applicant Details
Type
Select the type of the customer from the drop-down list provided. The following options are
available:

Primary

Co-Applicant
Existing
Check this box to indicate if the customer applying for the loan is an existing customer of the
bank.
Local Branch
Specify the local branch (home branch) of the loan applicant. Select the appropriate one from
the option list.
Customer No
The system displays the customer number. However you can modify it. For existing
customers you need to select the customer number from the option list provided.
Click ‘Default’ button to default the details of existing customers.
In case of new customers, the checkbox ‘Existing’ will be unchecked. When you click ‘Default’
button, the system defaults the local branch and automatically generates the customer
number.
Responsibility
Specify the Co-Applicant’s Responsibility for all parties other than primary Applicant.
Liability
Specify the Co-Applicant’s Liability Percentage for all parties other than primary Applicant.
Sum of liability for all applicants’ should not exceed 100%.
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RM ID
Specify the Relationship Manager ID of the Loan Applicants.
RM Name
Specify the Relationship Manager name of the Loan Applicants.
You have to specify the following details:
City
Specify the city of the customer.
Country
Specify the country of domicile of the customer or select the country code from the option list
provided.
Nationality
Specify the country of which the customer is a national or select the country code from the
option list provided.
Language
Specify the primary language of the customer or select the language from the option list
provided.
Customer category
Specify the category to which the customer belongs or select the customer category from the
option list that displays all valid customer categories.
Financial Currency
Select the currency used in the transaction.
Group Code
Specify the appropriate group code.
Mobile Number
Specify the mobile number of the customer.
Landline Number
Specify the landline number of the customer.
Email
Specify the e-mail address of the customer.
Fax
Specify the fax number of the customer.
First Name
Specify the first name of the customer.
Middle Name
Specify the middle name of the customer.
Last Name
Specify the last name of the customer.
Salutation
Select the salutation preference of the customer from the drop-down list provided. You can
select any of the following options:
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
Mr

Mrs

Miss

Dr
Gender
Select the gender of the customer from the drop-down list.
Birth Place
Specify the birth place of the customer.
Birth Country
Specify the birth country of the customer.
Date of Birth
Specify the date of birth of the customer or select the date by clicking the ‘Calendar’ icon
provided.
Mother’s Maiden Name
Specify the customer’s mother’s maiden name.
Marital Status
Select the marital status of the prospective customer from the drop-down list. The following
options are available:

Married

Unmarried

Divorcee

Separated

Spouse Expired
Dependents
Specify the number of dependents for the customer.
SSN
Specify the SSN of the customer.
Passport Number
Specify the passport number of the customer.
Passport Issue Date
Specify the date on which the customer’s passport was issued or select the date from by
clicking the adjoining ‘Calendar’ icon.
Passport Expiry Date
Specify the date on which the customer’s passport expires or select the date from by clicking
the adjoining ‘Calendar’ icon.
Account Branch
Specify the branch at which the loan applicant holds an account. Select the appropriate
branch code from the option list.
Account Class
Specify the account class or select the account class of the customer from the option list
provided.
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Account Number
The account number gets generated when you click the ‘P’ button, after specifying the
account class. For the existing customer account you can select the account number from the
adjoining option list.
Power of Attorney
Note
If the FATCA is enabled at the bank and the check box 'Power of Attorney' is checked here,
then it is mandatory to specify the Power of Attorney information.
Power of Attorney
Check this box to indicate that the customer account is to be operated by the power of
attorney holder.
Holder Name
The person who has been given the power of attorney.
Address Line 1-4
Specify the address of the power of attorney holder.
Country
Specify the country of the power of attorney holder.
Nationality
Specify the nationality of the power of attorney holder.
Telephone ISD Code +
Specify the international dialling code for the telephone number of the power of attorney
holder. The adjoining option list displays valid ISD codes maintained in the system. Select the
appropriate one.
Telephone Number
Specify the telephone number of the power of attorney holder.
US Resident Status
Permanent US Resident Status
Check this box to indicate that the corresponding director is a permanent US resident.
Visited US in last 3 years?
Check this box to indicate that the beneficial owner has visited US in the last three years.
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2.23.4
Details Tab
The address and employment related details of the customer corresponding to the Lead Id
selected are displayed in this tab. You can modify these details if required.
In this screen, you can capture multiple address and employment and reference details.
Address Details
Address Type
Select the address type of the customer from the following options provided in the drop-down
list:

Permanent

Home

Correspondence Address
Mailing
Check this box to indicate that the address you specify here is the customer’s mailing
address.
Address Line 1 – 3
Specify the address of the customer in three lines starting from Address Line 1 to Address
Line 3.
Country
Specify the country associated with the address specified.
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Zip
Specify the zip code associated wit the address specified.
Contact Number
Specify the contact telephone number of the customer.
Employment Details
Employer
Specify the name of the employer of the prospective customer.
Employment Type
Select the customer’s employment type from the drop-down provided. The following options
are available:

Part Time

Full Time

Contract Based
Occupation
Specify the occupation of the prospective customer.
Designation
Specify the designation of the prospective customer.
Employee Id
Specify the employee Id of the prospective customer.
Address Line 1 – 3
Specify the employment address of the customer in three lines starting from Address Line 1
to Address Line 3.
Country
Specify the country associated with the employment address specified.
Zip
Specify the zip code associated with the office address specified.
Phone Number
Specify the official phone number of the prospective customer.
Extension
Specify the telephone extension number, if any, of the prospective customer.
Contact Phone
Specify the contact number of the prospective customer.
Contact Name
Specify the name of a contact person at the customer’s office.
Contact Extension
Specify the telephone extension number, if any, associated with contact person.
Comments
Specify comments, if any, related to the customer’s employment.
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Department
Specify the department to which the customer belongs.
Reference Details
If the applicant has provided any reference, then you can capture the reference details here.
This information can be edited only at underwriting stage. You can also add new references
at Underwriting stage.
Reference No
The applicant can provide the reference of a customer of the bank or even a person who is
not a customer of the bank.
If the applicant provides the reference of a customer of the bank, then specify the customer
number. Once you select the customer number and click ‘Default’ button, the system displays
the other details of the customer.
If the applicant provides the reference of a person who is not an existing customer of the bank,
then you can leave this field blank. The system will display a default reference number. You
can capture the other details of the reference by clicking add row button.
Once you specify the customer number, click ‘Default’ button. The system will display the
remaining details as available in the customer record.
First Name
Specify the first name of the person who referred the applicant.
Middle Name
Specify the middle name of the person who referred the applicant.
Last Name
Specify the last name of the person who referred the applicant.
Salutation
Select a suitable salutation for the person from the drop-down list. It is mandatory to specify
the salutation if you have entered the name of the reference.
Gender
Select the gender of the person from the drop-down list. It is mandatory to specify the gender
if you have entered the name of the reference.
Address Line 1 - 4
Specify the address of the person who referred the applicant. You can use all the fields
provided in order to capture the complete address.
Country
Specify the country of the person who referred the applicant.
Nationality
Specify the nationality of the person who referred the applicant.
Mobile Number
Specify the mobile phone number of the reference. If you have specified the name of the
reference, then it is mandatory to specify either the mobile phone number or the landline
number.
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Landline Number
Specify the landline phone number of the reference. If you have specified the name of the
reference, then it is mandatory to specify either the mobile phone number or the landline
number.
Relation
Specify the relation of the applicant with the person who referred him/her. If you are entering
the reference details, then it is mandatory to enter the relationship.
No. of Years Known
Specify the number of years for which the person provided in the reference knows the
applicant.For example, if the reference knows the customer for five years, enter 5 in this field.
If you are entering the reference details, then it is mandatory to enter the number of years.
2.23.5
Financials Tab
You can capture the financial details corresponding to the customer in this screen.
Income Details
You can capture the following details corresponding to the loan applicant’s income:
Income Type
Select the type of income associated with the customer from the drop-down list provided. The
following options are available:

Salary
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
Rent

Business

Others
Currency
Specify the currency in which the customer draws his income or select the currency from the
option list provided.
Amount
Specify the amount that the customer draws as his income.
Frequency
Select the frequency at which the customer earns income. The following options are available
in the drop-down list:

Daily

Weekly

Monthly

Quarterly

Half Yearly

Yearly
Currency
Specify the applicant’s asset currency. You can select the currency from the option list
provided.
Amount
Specify the amount that the customer draws as his income
Liability Details
You can capture the following details corresponding to the loan applicant’s liabilities:
Liability Type
Select the type of the liability from the following options provided in the drop-down list:

Loan

Lease

Rent

Others
Liability Sub Type
Specify the sub type corresponding to the liability.
Frequency
Select the frequency at which the customer pays his liability amount. The following options
are available in the drop-down list:

Daily

Weekly

Monthly

Quarterly

Half Yearly

Yearly
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Currency
Specify the currency in which the customer pays his liability amount. You can select the
appropriate currency from the option list provided.
Amount
Specify the amount that the customer pays as his liability.
Account Balance
Specify the balance associated with the liability account.
Start Date
Specify a start date for the liability or select the start date by clicking the ‘Calendar’ icon.
End Date
Specify an end date for the liability or select the end date by clicking the ‘Calendar’ icon.
Asset Details
Type
Select the type of the asset from the following options available in the drop-down list:

Vehicle

Home

Others
Asset Sub Type
Specify the sub type associated with the asset.
Description
Specify a suitable description for the asset type.
Asset Value
Specify the value associated with the asset.
Vehicle
You can specify the following details for the asset type ‘Vehicle’.
Make
Specify the make of the vehicle.
Model
Specify the model of the vehicle.
Manufacturing Year
Specify the year of manufacture of the vehicle.
Body
Specify the body details of the vehicle.
Reg#
Specify the registration number of the vehicle.
Home
Address Line 1-3
Specify the address of customer’s residence in the three Address lines provided.
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Width
Specify the width of the customer’s residence.
Length
Specify the length of the customer’s residence.
Occupancy
Specify the number of people who occupy of the customer’s residence.
Note
You can enter only the details of the selected asset type,otherwise the system displays an
error message.
2.23.6
Requested Tab
The details related to the requested loan corresponding to the Lead Id selected are displayed
in this tab. You can modify these details if required. If you have selected an ‘Enquiry ID’ for
the customer, then the requested details that have been stored for the corresponding loan
proposal are displayed here.
Specify the following details:
Requested Loan Details
Requested Currency
Specify the requested currency for the loan.
Requested Amount
Specify the amount requested for the loan.
Interest Rate
Specify the requested loan rate for the loan.
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Tenor (In Months)
Specify the requested tenor for the loan.
Number of Instalments
Specify the requested Number of Loan Instalments/Schedules.
Frequency
Specify the requested Loan Schedule Frequency.
Unit
Specify the requested Loan Schedule Frequency Unit/Basis.
Loan against Salary
Check this box to indicate that the loan should be associated with the applicant salary
account.
Purpose
Specify the Purpose of the loan.
Loan Itemization Details
Serial Number
Specify the serial number.
Itemization
Specify the tenor itemization that is required. For example, you can specify the itemizations
like ‘Booking Amount’, ‘Payment’, ‘Interiors’ etc.
Requested Amount
Specify the amount requested corresponding to the itemization specified.
Comments
Specify comments, if any, corresponding to the itemization.
2.23.7
Limit Tab
You can capture the liability details, pool details and line details in this tab.
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In this screen, specify the following details:
Liability Details
Liability No
Select the applicant’s liability number. The adjoining option list displays all the valid liability
numbers maintained in the system. Select the appropriate one.
Liability Name
Select the liability name.
Main Liability No
Select the parent liability number. The adjoining option list displays all the valid liability
number maintained in the system. Select the appropriate one.
Liability Branch
Select the liability branch. The adjoining option list displays all the valid liability branches
maintained in the system. Select the appropriate one.
Liability Currency
Select the liability currency. The adjoining option list displays all the valid liability currencies
maintained in the system. Select the appropriate one.
Overall Limit
Specify the overall liability limit.
Line Details
Line Code
Select the applicant’s facility. The adjoining option list displays all the valid line codes
maintained in the system. Select the appropriate one.
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Line Serial
Specify the line serial number.
Main Line Code
Select the parent facility if the specified applicants facility is associated with any parent facility
from the adjoining option list
Line Branch
Select the facility branch code. The adjoining option list displays all the valid line branches
maintained in the system. Select the appropriate one.
Line Currency
Select the facility currency code. The adjoining option list displays all the valid line currencies
maintained in the system. Select the appropriate one.
Line Amount
Specify the line amount for the facility.
Collateral Amount
If the collateral is maintained, system displays the collateral amount when you click on
‘Default’ button. Otherwise, system displays the value as ‘zero’.
Effective Line Amount basis
Select the basis on which the effective line amount is calculated.
Effective Line Amount
System displays the effective line amount based on the specified effective line amount basis,
Pool Details
Pool Code
Select the collateral pool code. The adjoining option list displays all the valid pool codes
maintained in the system. Select the appropriate one.
Pool Description
Specify the collateral pool description.
Pool Currency
Select the collateral pool currency. The adjoining option list displays all the valid pool
currencies maintained in the system. Select the appropriate one.
Pool Amount
Specify the collateral pool amount.
Pool Utilized
Specify the collateral pool amount utilized amount.
If you click on the ‘Default’ button, system displays the collaterals in the ‘Collateral Tab’
associated with the pool code and liability.
2.23.8
Collaterals Tab
You can capture the details related to the collaterals provided by the customer in this tab.
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Collateral Details
Collateral Branch
Specify the collateral Branch. The adjoining option list displays all valid collateral branch
codes maintained in the system. Select the appropriate one.
Utilization Order
Specify the collateral utilization order if any collaterals are linked to the Loan
Commitment Product
Specify the commitment product if any collaterals are linked to the Loan.
If you click on the ‘Default’ button, system defaults the existing collateral details based on the
collateral code provided.
Linked Percentage
Specify the linked percentage of the collateral amount to be linked to the pool in pool details
and collateral contribution in facility details.
Linked Amount
Specify the Linked amount based on the linked percentage.
Haircut %
Specify the collateral haircut percentage for evaluating the collateral amount.
Utilization Order
Specify the collateral utilization order.
Commitment Product
Specify the commitment product associated with the collateral.
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Note
For more details on capturing Collateral details, refer the chapter titled ‘Maintaining Collateral Details’ in Enterprise Limits and Collateral Management user manual.
Market Value Based
Security ID
Select the security id from the option list .
Number of units/Nominal value
Specify the number of units.
Cap Amount
Specify the cap amount.
Guarantor Based
Guarantor ID
Select the Guarantor Id from the option list.
Rating
The system displays the rating.
Haircut Schedules
Specify the following Haircut Revision Schedule details for any collateral linked to the Loan.
Effective Date
Specify the Collateral Value evaluation date.
Haircut %
Specify the haircut % for evaluating the Collateral Value in the provided effective date.
In this screen, specify the following details to facilitate vehicle evaluation:
Vehicle Details
You can capture the details of the vehicle which is to be evaluated in the following fields:
Identification Number
Enter the unique identification number associated with the vehicle.
Vehicle Number
Specify the vehicle number.
Year
Specify the year of manufacture for the vehicle.
Make
Specify the make of the vehicle.
Model
Specify the vehicle model.
Body
Specify the vehicle body details.
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Usage
Specify the mileage used by the vehicle till date.
Valuation Source
Select the collateral Vehicle Valuation Source from the adjoining drop-down list. You can
select one of the following:

None

Internal
Valuation Status
Select collateral vehicle valuation status from the adjoining drop-down list. You can select one
of the following:

Recommended

Not Recommended
Vehicle ID
Specify the vehicle identification number.
These details will be used at the underwriting stage to evaluate the vehicle.
Covenant Details
Covenant Name
Specify the collateral’s covenant name.
Due Date On
Specify collateral’s covenant due date on.
Frequency
Specify the collateral frequency.
Start Date
Specify the collateral covenant start date.
Start Month
Specify the collateral covenant start month.
Remarks
Specify the covenant remarks.
2.23.9
Comments Tab
In this tab, you can specify comments, if any, related to the loan application.
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You can specify the following details here:
Sequence Number
The sequence number is automatically generated by the system.
Comments
Specify comments, if any, to be associated with the loan application.
Comment By
Specify the name of the commenter.
Comment Date
Specify the date on which the comment was given or select the date by clicking the ‘Calendar’
icon.
2.23.10 Capturing Document Details
You can capture the customer related documents in central content management repository
through the ‘Documents’ screen. Click ‘’ button to invoke this screen. You can also invoke this
screen by typing ‘CSCDOCUP’ in the field at the top right corner of the Application tool bar
and clicking the adjoining arrow button.
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Here, you need to specify the following details:
Document Category
Specify the category of the document to be uploaded.
Document Reference
The system generates and displays a unique identifier for the document.
Document Type
Specify the type of document that is to be uploaded.
Upload
Click ‘Upload’ button to open the ‘Document Upload’ sub-screen. The ‘Document Upload’
sub-screen is displayed below:
In the ‘Document Upload’ sub-screen, specify the corresponding document path and click the
‘Submit’ button. Once the document is uploaded through the upload button, the system
displays the document reference number.
View
Click ‘View’ to view the document uploaded.
In ‘Retail Loan Origination’ process, ‘Document Upload’ feature is not available in all the
stages. Its availability in this process is given below:
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Stage Title
Function Id
Doc Callform
Exists
Upload(Available
/Not Available)
View(Availa
ble/Not
Available)
Application Entry
ORDRLAPP
Available
Available
Available
Application Verification
ORDRLVER
Available
Available
Available
Underwriting
ORDRLUND
Available
Available
Available
Loan Approval
ORDRLAPR
Available
Available
Available
Document Verification
ORDRLDVR
Available
Available
Available
Customer / Loan
/ Collateral /
Account Creation
2.23.11 Capturing Trade In Details
You can capture the trade-in details related to the loan application in ‘Trade In’ sub screen.
To invoke this screen, click ‘Trade In’ button in Retail Loan Application Entry screen.
You can capture the asset details and the valuation details of the asset in this screen.
Application Number
Specify the application number.
Product Code
Specify the loan product.
Currency
Specify the trade asset currency.
Note
For more details on Capturing Asset Valuation details, refer the section titled ‘Account Asset Valuation’ in Retail Lending user manual.
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2.23.12 Verifying Customer Dedupe
You can verify if the customer details are duplicated by clicking the ‘Customer Dedupe’ button.
‘Customer Dedupilcation Check’ screen gets displayed where any duplicate customer details
are displayed
2.23.13 Verifying Loan Dedupe
You can verify if the loan details are duplicated by clicking the ‘Loan Dedupe’ button. ‘Loan
Dedupilcation Check’ screen gets displayed where any duplicate loan details are displayed
2.23.14 Capturing Customer MIS
You can capture the MIS details for the customer, if any by clicking ‘MIS’ button against a row
in the Applicant Details table. The ‘Customer MIS’ screen gets displayed where you can
maintain the MIS details.
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2.23.15 Capturing Customer Account MIS
You can capture the MIS details for the Customer Accounts in Customer Account MIS Screen
by clicking ‘Customer Account MIS’ button.
The ‘Customer Account MIS’ screen gets displayed where you can maintain the MIS details
2.23.16 Specifying Customer/Account Fields
You can capture the user defined field details for the customer and customer account, if any
by clicking ‘Customer/Account Fields’ button against a row in the Applicant Details table. The
‘User Defined Field’ screen gets displayed where you can maintain the UDF details.
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You can specify the following user defined field details for the customer in Customer Tab:
Name
Specify the name of the UDF being created for the customer.
Value
Specify the value associated with the UDF being created for the customer
You can specify the following user defined field details for the customer account, in Customer
Account Tab.
Name
Specify the name of the UDF being created for the customer account.
Value
Specify the value associated with the UDF being created for the customer account.
2.23.17 Specifying Collateral Seller Details
You can capture the details of the seller of the collateral using ‘Collateral Seller Details’
screen. This information helps you understand whether the application has been made for
loan against used collateral. However, it is not mandatory to specify the collateral seller details
for entering a retail loan application.
You can add the collateral seller details only after capturing the details of the collaterals in
‘Collateral’ tab.
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To invoke ‘Collateral Seller Details’ screen, click ‘Seller Details’ button on the ‘Retail Loan
Application Entry’ screen.
Specify the following details:
Application Number
The system displays the retail loan application number.
Seller ID
The system displays the seller ID. This is generated sequentially, one (1) being the ID of the
first seller.
Seller Type
Select the type of seller from the drop-down list. The drop-down list displays the following
options:

Individual

Corporate
Seller Name
Specify the name of the collateral seller.
Nationality
Specify the nationality of the collateral seller.
Passport Number
Specify the passport number of the collateral seller.
Passport Issue Date
Specify the issue date of the passport of the collateral seller.
Passport Expiry Date
Specify the expiry date of the passport of the collateral seller.
Address
Specify the address of the collateral seller.
Country
Specify the country to which the collateral seller belongs. The option list displays all valid
country codes that are applicable. Choose the appropriate one.
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Note
If you specify any information regarding the collateral seller on this screen, it becomes
mandatory to specify the remaining details also. This means that you cannot save the application with data in only some fields of this screen. The collateral seller information cannot be left incomplete.
However, you can completely ignore the collateral seller information, if such details are not
required. If you do not enter any information on this screen, then the system allows you to
save the application.
2.23.18 Viewing Vehicle Evaluator
You can view the evaluated vehicle details captured as part of collateral details by clicking the
‘Vehicle Evaluator’ button against the Applicant record.
After specifying the mandatory details in Application Entry screen, select the ‘Outcome’ that
you wish in the lower portion of the screen. To move to the next stage select ‘PROCEED’ as
the outcome and click the ‘Save’ icon. You can select ‘CANCEL’ to terminate the process, if
required.
The following validations are carried out in this stage:

If any of the mandatory documents are missing, the system displays an error message

If any of the override documents are missing, the system displays an override message

If any mandatory customer information is missing, the system displays error messages
You will not be able to proceed to the next stage without correcting the errors, if any.
On successful completion a message, stating that the task is successfully completed, gets
displayed. The system displays the system message as “The task is completed successfully.
The workflow reference number is Retaillending <nnnn>”
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To acquire the next stage, you need to go to the ‘Task’ menu and select ‘Assigned’ under
‘Standard’ option.
All tasks that have been successfully completed are listed in the right side of the screen.
Select the checkbox against your ‘Workflow Ref No’ and click ‘Acquire’ button at the top of the
screen to acquire the next stage of the task.
The system displays the system message as “Acquire Successful” on the successful
acquisition of the task.
Click ‘Ok’ to proceed to the next stage. To select the acquired task for the next stage, select
‘Acquired’ under ‘Standard’ option in the ‘Task’ menu. All the tasks that have been
successfully acquired are displayed in the right side of the screen. Search for your workflow
reference number and click the ‘Workflow Ref No’ to open ‘Retail Loan Application
Verification’ screen.
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Step 1.Application Verification
The information captured in the previous stage is verified in the Application Verification stage.
CMROLE
The details related to the loan application entry are displayed in this screen, which can be
verified by the verifier. The details cannot be modified in this stage, but comments can be
added appropriately. On completion of this stage, the advices that are maintained for the
stage are generated.
The verifier can either send the application back to the previous stage if the information
provided is not adequate or can cancel it if the information captured is not satisfactory.
If the application details are verified successfully, the verifier can proceed with the processing
of the application by selecting ‘PROCEED’ as the Outcome. The verifier can select ‘RETURN’
to return the process to previous stage for data correction or ‘CANCEL’ to terminate the
process.
On successful verification a message, stating that the task is successfully completed, gets
displayed.
To acquire the next stage, you need to go to the ‘Task’ menu and select ‘Assigned’ under
‘Standard’ option. All tasks that have been successfully completed are listed in the right side
of the screen. Select the checkbox against your ‘Workflow Ref No’ and click ‘Acquire’ button
at the top of the screen to acquire the next stage of the task.
The system displays the system message as “Acquire Successful” on successful acquisition
of the task.
Click ‘Ok’ to proceed to the next stage. To select the acquired task for the next stage, select
‘Acquired’ under ‘Standard’ option in the ‘Task’ menu. All the tasks that have been
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successfully acquired are displayed in the right side of the screen. Search for your workflow
reference number and click the ‘Workflow Ref No’ to open ‘Retail Loan Underwriting’ screen.
Step 2.Internal KYC Check
You can verify the customer information against the internal blacklist of customers at ‘Internal
KYC Check’ stage. This step is enabled only if you have checked the box ‘KYC Required’
during Application Entry.
The system displays the following details:

Local branch code

First name of the customer

Middle name of the customer

Last name of the customer

Date of birth of the customer

Country of the customer

Nationality of the customer
KYC Internal Status
The system displays the internal KYC status. Based on the records in Oracle FLEXCUBE, the
KYC internal status can be one of the following:

Passed

Failed

No Match
KYC Internal Remarks
The system displays the internal KYC remark. The internal remark can be one of the following:

Possible Match

No Match
Click ‘Review’ button to check the customer details against the blacklisted customers’ list. The
system displays the following details:
SDN Status
The system displays the SDN status. Based on the records in Oracle FLEXCUBE, the KYC
SDN status can be one of the following:

Passed
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
Failed

No Match
SDN Remarks
The system displays the SDN remark. The SDN remark can be one of the following:

Possible Match

No Match
Click ‘Ok’ to proceed to the next stage.
Click on the ‘Review’ button to view the following screen.
Based on the KYC and SDN statuses and remarks, the reviewer decides whether to move the
task to the next stage,
Click ‘Review’ button to view all customer information and perform KYC and SDN checks. The
KYC Review Screen (STSKYCMN) and SDN Review Screens (ORSSDNMN) are displayed.
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Once reviewed the verifier provides the review status and remarks.
You can perform a check on the customer record based on the KYC Review and SDN Review
screens and choose the internal KYC status and SDN status respectively based on the
review.
Step 1.External KYC Check
You can verify the customer information against the external blacklist of customers at
‘External KYC Check’ stage. This step is enabled only if you have checked the box ‘KYC
Required’ during Application Entry. You can invoke this screen by typing ‘ORDRLIKC’ in the
field at the top right corner of the Application tool bar and clicking the adjoining arrow button.
The system displays the following details:

Local branch code

First name of the customer
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
Middle name of the customer

Last name of the customer

Date of birth of the customer

Country of the customer

Nationality of the customer
KYC External Status
The system displays the external KYC status. Based on the records in Oracle FLEXCUBE,
the KYC external status can be one of the following:

Passed

Failed

No Match
KYC External Remarks
The system displays the external KYC remark. The external remark can be one of the
following:

Possible Match

No Match
Click ‘Review’ button to check the customer details against the blacklisted customers’ list. The
system displays the following details:
SDN Status
The system displays the SDN status. Based on the records in Oracle FLEXCUBE, the KYC
SDN status can be one of the following:

Passed

Failed

No Match
SDN Remarks
The system displays the SDN remark. The SDN remark can be one of the following:

Possible Match

No Match
Click ‘Ok’ to proceed to the next stage.
Click on the ‘Review’ button to view the following screen.
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Based on the KYC and SDN statuses and remarks, the reviewer decides whether to move the
task to the next stage,
Click ‘Review’ button to view all customer information and perform KYC and SDN checks. The
KYC Review Screen (STSKYCMN) and SDN Review Screens (ORSSDNMN) are displayed.
Once reviewed the verifier provides the review status and remarks.
You can perform a check on the customer record based on the KYC Review and SDN Review
screens and choose the external KYC status and SDN status respectively based on the
review.
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Step 1.Underwriting
In this stage, the bank assesses the eligibility of the borrower for the requested loan offer,
based on the analysis of the borrower’s financial ratios and credit scores. The bank also
obtains credit details from external agencies and field investigation agencies. You can also
invoke ‘Retail Loan Underwriting’ screen by typing ‘ORDRLUND’ in the field at the top right
corner of the Application tool bar and clicking the adjoining arrow button.
2.23.19 Main Tab
System defaults the customer details provided in the ‘Application Entry’ stage here. However
you can modify it.
After ascertaining the eligibility of the customer, the bank provides multiple loan offers for the
borrower and uses one offer chosen by the customer to generate payment schedule and
schedule details. The advices that are maintained for the stage are generated on completion
of the stage.
In this stage, the bank also conducts vehicle evaluation based on the details that have been
captured at the ‘Application Entry’ stage. This evaluation can be done with details from an
external agency in the collateral tab.
2.23.20 Collateral Tab
You can carry out the evaluation of vehicles in the collateral tab. Here, the details provided as
part of the ‘Application Entry’ stage are defaulted, which you can modify. The evaluation can
be done by interfacing with external agencies.
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In this screen, capture the following details:
Vehicle Details
You can modify the details of the vehicle which is to be evaluated in the fields listed below.
Identification Number
Enter the unique identification number associated with the vehicle.
Year
Specify the year of manufacture for the vehicle.
Make
Specify the make of the vehicle.
Model
Specify the vehicle model.
Body
Specify the vehicle body details.
Usage
Specify the mileage used by the vehicle till date.
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You can retrieve vehicle details from an external agency either by specifying the identification
number for the vehicle or all of the following fields:

Year

Make

Model

Body

Usage
Valuation Source
Select the valuation source from the adjoining drop-down list. The options are:

INTERNAL

NONE
Select ‘INTERNAL’ if you wish the evaluation to be done by interfacing with an external
agency.
Status
Select the status from the adjoining drop-down list. The options are:

RECOMMENDED

NOT RECOMMENDED

COMPLETE

NO DATA
The evaluation will be done only if the valuation source is selected as ‘INTERNAL’ and the
status is ‘RECOMMENDED’. For any other combination of values for the two fields, the
system will display an error message and will not proceed with the evaluation till the values
are set as specified above.
After entering the required details, select ‘VERIFY’ as the Outcome and click ‘Save’. If you
have indicated that evaluation should be done you will not be allowed to select ‘PROCEED’
or ‘CANCEL’ as the Outcome till the verification has been successfully done.
The system will display a message stating that the task is successfully completed on saving
the record.
To acquire the next stage, you need to go to the ‘Task’ menu and select ‘Assigned’ under
‘Standard’ option. All tasks that have been successfully completed are listed in the right side
of the screen. Select the checkbox against your ‘Workflow Ref No’ and click ‘Acquire’ button
at the top of the screen to acquire the next stage of the task.
The system displays the system message as “Acquire Successful” on successful acquisition
of the task.
Click ‘Ok’ to proceed to the next stage which will again be the underwriting stage. To select
the acquired task for the next stage, select ‘Acquired’ under ‘Standard’ option in the ‘Task’
menu. All the tasks that have been successfully acquired are displayed in the right side of the
screen. Search for your workflow reference number and click the ‘Workflow Ref No’ to open
‘Retail Loan Underwriting Stage’ screen.
The system will invoke the external valuation agency for vehicle evaluation. You can view the
details in the collateral tab. In the collateral tab, click the ‘Evaluate’ button. The system will
check for the data within the FLEXCUBE database. If there are none for the corresponding
vehicle, it will try to obtain the details from the external agency and display them in the ‘Vehicle
Evaluator’ screen.
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In this screen, you can view the information available for the vehicle based on the information
provided by you. If the information in this screen matches the details available in the system
database for the same vehicle, the status is updated to ‘COMPLETED’ in the collateral tab. If
it does not match, then the status is updated to ‘NO DATA’.
Once the verification is completed, you can select the Outcome as ‘PROCEED’ and move to
the next stage.
Note
For more details on capturing Collateral details, refer the chapter titled ‘Maintaining Collateral Details’ in Enterprise Limits and Collateral Management user manual.
2.23.21 Credit Score Tab
The credit score tab is used to calculate the credit score details of the customer. You can also
interface with external Credit engines and display recommendations and report. Internal
Credit engine obtains information from customer and calculates credit score and displays
system recommendation.
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The set of questions used to assess the credit rating of a prospective loan customer,
associated Rule Id are displayed in this screen. You can specify the following details here:
Answer
Specify the answer to be associated with the question used for calculating the credit score.
Risk Factor
Specify the risk factor associated with the loan, if any.
Description
Specify a suitable description for the risk factor associated with the loan.
System defaults the Category and Question as maintained in the Rule
Click ‘Calculate’ button to display the calculated grade and score based on the selected
answer
Click ‘Calculate’ button to calculate the credit score and the grade, based on the formula
maintained for calculating the credit score. The ‘Grade’ and the ‘Score’ are displayed based
on this calculation.
2.23.22 Bureau Tab
You can interface with external credit bureaus and view report obtained from them in ‘Bureau’
tab. Based on the reports that are obtained from the external bureaus, the underwriter
determines whether to approve the loan to the customer or not.
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The credit agencies and the bureaus maintained for the Application Category are displayed
in this screen: You can capture the remarks and recommendations from these agencies in
this tab. You can also view the credit report obtained from the agencies and bureaus.
Credit Bureau Details
Request Id
The identification of the loan customer gets displayed here.
Bureau Code
The credit bureau code maintained for the Application Category in ‘Application Category
Maintenance’ gets displayed here.
If you enable external credit checking for a particular applicant, then you need to manually
select the bureau from the option list.
Bureau Name
The system displays the name of the credit bureau.
Recommended
This indicates whether external credit check is required for the customer or not. The following
options are available in the option list.

Recommended - This indicates that external credit check is required for the applicant.

Not Recommended - This indicates that external credit check is not required for the
applicant.
By default, the system displays the appropriate option, that is, recommended or not
recommended, based on the external credit check settings for the application category.
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Status
Select the status for the credit bureau check from the following options in the drop-down list:

Completed - This indicates that the credit checking is completed for the applicant

Required - This indicates that credit checking is required for the applicant, You need to
select this when you manually enable external credit checking for an applicant.

Pending
Remarks
Specify remarks, if any, associated with the loan application.
Score
If the credit checking is completed, the score is displayed here.
Enabling External Credit Check at Underwriting Stage
You can enable external credit check during underwriting stage. If external credit check is not
enabled for an applicant (primary applicant or co-applicant or all), you may enable it by
following the steps given below.

In the ‘Main’ tab, check the option’ External Credit Check Required’ for each applicant
for whom you need to enable external credit check

In this tab, specify the credit bureau by selecting the appropriate bureau code form the
option list

In this tab, in the field ‘Recommended’, select ‘Recommended’ from the drop-down list

In this tab, in the field ‘Status’, select ‘Required’ from the drop-down list

Change ‘Outcome’ to ‘Verify’

Save the record
After enabling ‘External Credit Check Required’ in the ‘Main’ tab, if you do not specify the
bureau and other details, the system will display an error message.
Until the external credit check is completed, the task will be in underwriting stage itself.
Note
If you are enabling external credit check for more than one applicants (primary/co-applicant), then after checking the option’ External Credit Check Required’ for each applicant
in the ‘Main’ tab, you need to initiate at least one credit bureau pull for each applicant selected.
If external credit check is enabled for an applicant, at underwriting stage, you will not be
allowed to disable it.
External Credit Rating
External Agency
Specify the external agency that you want to use for the evaluation,. If you do not specify a
value here, the system will display an error message.
Recommended
Select the recommendation of the credit agency for the loan requested from the following
options provided in the drop-down list:

Recommended

Not Recommended
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Remarks
Specify remarks, if any, associated with the loan application.
Status
The following statuses are available:

Initiated

Completed
The evaluation will be done only if the external agency has been specified and the
‘Recommended’ field has the value ‘Recommended’ status is ‘RECOMMENDED’. For any
other combination of values for the two fields, the system will display an error message and
will not proceed with the evaluation till the values are set as specified above.
After entering the required details, select ‘VERIFY’ as the Outcome and click ‘Save’. If you
have indicated that evaluation should be done you will not be allowed to select ‘PROCEED’
or ‘CANCEL’ as the Outcome till the verification has been successfully done.
The system will invoke the external valuation agency for credit evaluation. You can view the
details in the bureau tab. This includes the score assigned by the agency for the customer.
In this screen, you can view the information available for the customer by clicking the ‘Report’
button under the field ‘Status’ in the External Credit Rating section. If the information is
available, the status is updated to ‘COMPLETED’ in the collateral tab. If it does not match,
then the status is updated to ‘NO DATA’.
Once the verification is completed, you can select the Outcome as ‘PROCEED’ and move to
the next stage.
You can click ‘Report’ button adjacent to credit rating record or credit bureau record to view
the report obtained from the credit rating agency or the credit bureau.
The following reports can be viewed:
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Summary1
Summary 2
Trade Lines
Public Records
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Collections
Fraud Messages
Inquiries
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Also Known As
Consumer Statements
Credit Score Details
2.23.23 Viewing Credit Bureau Report
You can view the credit bureau report by the external agency by clicking ‘Bureau Report’
button in ‘Retail Loan Underwriting’ screen. The ‘Credit Bureau Report’ screen gets displayed
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where you can view the details
2.23.23.1 Capturing Loan MIS Details
You can capture the Loan MIS details by clicking ‘Loan MIS’ button in ‘Retail Loan
Underwriting’ screen.
The ‘Loan MIS’ screen gets displayed where you can capture the details
2.23.23.2 Capturing Loan UDF Details
You can capture the Loan UDF details by clicking ‘Loan Fields’ button in ‘Retail Loan
Underwriting’ screen. You can also invoke this screen by typing ‘ORCLNUDF’ in the field at
the top right corner of the Application tool bar and clicking the adjoining arrow button.
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The ‘Loan UDF’ screen gets displayed where you can capture the details
2.23.24 Ratios Tab
In the ‘Ratios’ tab, the system calculates the stated and actual income/debt ratios and also
calculates the ratio based on ‘What if payment amount’.
The stated income and debt of the customer are displayed here You can capture the following
additional details here.
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Actual
Monthly Income
Specify the actual monthly income of the customer based on documentary proof provided.
Monthly Debt
Specify the actual monthly debt of the customer based on documentary proof provided.
Click ‘Calculate Ratios’ button to calculate the asset/ liability ratios for the customer.
What if Pmt Amt
Specify the EMI amount that the customer is ready to pay.
Click ‘Update Ratio’ button to update the asset/ liability ratios for the customer, taking into
account the EMI payments also.
The ratios for Installment, Loan To Value and Disposable Income are calculated for the
following conditions:

Stated Before

Stated After

Actual Before

Actual After
2.23.25 Loan Tab
In the ‘Loan’ tab, the system displays the list of the multiple loan offers that are attached to
the application category specified. If you have selected an ‘Enquiry ID’ for the customer, then
the loan details that have been stored for the corresponding loan proposal are displayed here.
You can modify these details, if required.
Specify the following details:
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Pricing ID
System displays the default price in the pricing field.
You can select & apply any one of the price available under a linked pricing group for the
requested loan application among the available offers for the application category. You can
either proceed with the system selected offer or can select any other offer for the loan based
on the need.
If you change a price ID selected by the system and reapply a different price ID, the system
changes the score of the pricing rule. The score determines the price ID to be automatically
applied.
Click ‘Apply’ button to apply the selected price ID to the loan.
On clicking ‘Apply’ button, the system compares each offer under ‘Multiple Offers’ with the
pricing and other details requested. The values in the fields ‘No of Installments’, ‘Frequency’
and ‘Unit’ are compared with the values given by the applicant in the ‘Requested’ tab during
Application Entry stage. The rate under Multiple Offers is compared with the rate maintained
in the Pricing ID.
On comparison, if the system finds a matching offer, it applies the details of the offer to the
application. In case the details do not match, the system creates a new row with the values
available in the offers maintained for the pricing ID and applies it.
Status Change Mode
Select the status change mode of the loan. The adjoining option list displays the following
option:

Auto: To change the status automatically.

Manual: To change the status manually.
Close Collateral
Check this box to give a provision to close the collaterals associated with the Loan. It can be
selected only if the liquidation mode is ‘Auto’.
Effective Date
The system captures the effective date of User defined elements. However you can modify it
in underwriting stage.
User Defined Element Values
The system supports multiple User Defined Elements here based on the effective dates
maintained.
UDE Id
Select the User Defined Element Id from the adjoining option list.
Value
Specify the UDE value.
Rate Code
Select the rate code for UDE from the adjoining option list.
Code Usage
Select the code usage from the adjoining drop down list.
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Resolved Value
The system defaults the system revised UDE value.
Intermediary
System displays the intermediary details including the compensation percentage for each
Intermediary, based on the Inetrmediary code mainatined in Application Entry
stage.However, you can modify it.
The payment schedules are derived based on the offer selected.
Note
You can select only one loan offer in this screen.
2.23.26 Component Tab
In ‘Component’ tab, the system calculates and displays component name, schedule type, first
due date, number, frequency, units and amount details based on the loan offer selected. If
you have selected an ‘Enquiry ID’ for the customer, then the schedule details that have been
stored for the corresponding loan proposal are displayed here. You can modify them, if
required.
You have to specify the following details:
Component Name
Select the name of the loan component.
Component Currency
Select the loan component currency code.
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Liquidation Mode
Select the mode of liquidation from. The adjoining drop-down list displays the following
optiins:

Auto

Manual
Main Component
Check this box to indicate if the provided component is main component.
Capitalized
Check this box to indicate that the component needs to be capitalized.
Waive
Check this box to indicate that component needs to be waived.
Compound Days
Specify the number of compound days.
Compound Months
Specify the number of compound months.
Compound Years
Specify the number of compound years.
Years
Select the actual number of days for the year from the adjoining drop-down list. You can select
one of the following options:

360

365

Actual
Days in Month
Select the number of days that would constitute a month for calculation from the adjoining
drop-down list. You can select one of the following options:

30 (euro)

30 (US)

Actual
Verify Funds
Check this box to indicate that verify of funds to be checked for the component.
Click on the ‘Explode Schedule’ button to explode the component schedules.
Click on ‘Disburse Details’ button to display disbursal schedule info for the selected
component.
The following details related to the schedule are displayed here:

Schedule Type

Schedule Flag

Formula

First due Date

Number of Schedules
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
Frequency

Units

Schedule Start Date

End Date

Amount
For each component of the components listed, the system calculates and displays the details
like the Due Date, Amount Due, EMI Amount and Amortized Principal.
Using Explode schedules the schedule details can be recalculated.
2.23.26.1 Maintaining Disbursal Details
You can capture the Loan Disbursal schedules details in ‘Disbursal’ screen. You can invoke
this screen by clicking ‘Disbursement Details’ button.
The following details related to the Loan Disbursal schedules can be captured here:

Schedule Date

Total Disburse Amount

Amount to Disburse

Already Disbursed Amount
The following Disbursal Schedule’s Split Details can be captured here:

Split Sequence No

Split Percentage

Split Amount

Payment Mode

Settlement Branch

Settlement Account Number
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
Account Description

Customer & Settlement Currency
2.23.26.2 Viewing Schedule Details
You can view the modified schedule details ‘Schedule details’ screen.
You can invoke this screen by clicking ‘Schedule Details’ button.
2.23.27 Charges Tab
In ‘Charges’ tab, the system calculates and displays charges, if any applicable.
The system calculates and displays the charge details associated with the loan. The following
details are displayed:

Component Name

Event Code

Associated currency
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
Amount
Component Name
Specify the name of the component.
Component Currency
Specify the component currency
Effective Date
Specify the effective date.
Waive
Check this box to waive the charges associated with the loan.
2.23.28 Investigation Tab
In this tab, the system captures the field investigation details associated with the customer.
The following details related to the customer can be captured here:
Verification Type
Select the type of verification. The drop-down list displays the following verification types:

Address

Employment

Collateral

All
Select the appropriate one.
Agency
Specify the agency code of the agency who will investigate the information. The option list
displays all valid agency codes maintained under the branch code that you have specified
above. Select the appropriate one.
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Status
Specify the status of investigation. The drop-down list displays all statuses that are enabled
in ‘Others’ tab of the ‘Field Investigation Maintenance’ screen, for the selected agency.
Call Date
If the agency has conducted the investigation over the phone, specify the date on which the
phone call was made.
Number of Attempts
Specify the number of attempts made to investigate. This includes the number of visits, phone
calls and other attempts that were made during investigation.
Spoke To
Specify the name of the person to whom the investigation agency has spoken in order to get
the information verified.
Result
Specify the result of the investigation. The drop-down list displays all valid results that are
enabled in ‘Others’ tab of the ‘Field Investigation Maintenance’ screen, for the selected
agency.
Remarks
Specify the remarks with regard to the investigation, if any.
Note
If the investigation is done for an application number maintained in the Investigation Update screen (ORDFIUPD), the details will be defaulted in the Field Investigation tab at the
underwriting stage of the that application. The system will allow you to modify the investigation details at the underwriting stage. Such modifications are automatically updated in
‘Field Investigation Update’ screen for that application number.
You can view the investigation report associated with the customer by clicking the ‘Report’
button.
2.23.29 Comments Tab
In this tab, you can capture the comments by the users.
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You can capture the following details:
Comments
Specify comments, if any, to be associated with the loan application.
Comment Type
Specify the type of the comment given.
Comment Date
Specify the date on which the comment was given or select the date by clicking the ‘Calendar’
icon.
If the underwriting stage is successfully completed, the underwriter can proceed with the
processing of the application by selecting ‘PROCEED’ as the Outcome. The underwriter can
select ‘RETURN’ to return the process to previous stage for data correction or ‘CANCEL’ to
terminate the process.
On successful completion a message, stating that the task is successfully completed, gets
displayed.
To acquire the next stage, you need to go to the ‘Task’ menu and select ‘Assigned’ under
‘Standard’ option. All tasks that have been successfully completed are listed in the right side
of the screen. Select the checkbox against your ‘Workflow Ref No’ and click ‘Acquire’ button
at the top of the screen to acquire the next stage of the task.
The system displays the system message as “Acquire Successful” on successful acquisition
of the task.
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Click ‘Ok’ to proceed to the next stage. To select the acquired task for the next stage, select
‘Acquired’ under ‘Standard’ option in the ‘Task’ menu. All the tasks that have been
successfully acquired are displayed in the right side of the screen. Search for your workflow
reference number and click the ‘Workflow Ref No’ to open ‘Retail Loan Approval’ screen.
Step 1.Loan Approval
In the Loan Approval stage, the approver verifies the loan application, analyzes the
applicant’s financial status, credit rating and field investigation reports and based on the credit
worthiness of the customer approves the loan offered to the customer.
You can invoke this screen by typing ‘ORDRLAPR’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
The approver can send the application back to the previous stage if the information provided
is not adequate or choose to cancel it if the information captured is not satisfactory.
If the application details are verified successfully, the approver can proceed with the
processing of the application by selecting ‘PROCEED’ as the Outcome. The approver can
select ‘RETURN’ to return the process to previous stage for data correction or ‘CANCEL’ to
terminate the process.
On successful completion, a message stating that the task is successfully completed gets
displayed.
To acquire the next stage, you need to go to the ‘Task’ menu and select ‘Assigned’ under
‘Standard’ option. All tasks that have been successfully completed are listed in the right side
of the screen. Select the checkbox against your ‘Workflow Ref No’ and click ‘Acquire’ button
at the top of the screen to acquire the next stage of the task.
The system displays the system message as “Acquire Successful” on successful acquisition
of the task.
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Click ‘Ok’ to proceed to the next stage. To select the acquired task for the next stage, select
‘Acquired’ under ‘Standard’ option in the ‘Task’ menu. All the tasks that have been
successfully acquired are displayed in the right side of the screen. Search for your workflow
reference number and click the ‘Workflow Ref No’ to open ‘Retail Loan Document Verification’
screen.
If you have checked the option ‘Auto Decision Required’ during Application Entry stage, the
based on the applicant credit score – auto decision mapping maintained in ‘Auto Decision’
screen, the system decides whether to approve the loan or not. The system makes one of the
following decisions in that case:

Approved

Recommend Approval

Recommend Reject

Rejected
If the auto decision made by the system is ‘Recommend Approval’ or ‘Recommend Reject’,
you need to manually verify and confirm the decision at this stage.
If any price group is associated with the application category, then the system will apply auto
pricing after proceeding the Application Entry stage by considering the default ‘Price ID’ linked
to the pricing group. Further, based on the selected loan offer, the loan is applied and
schedules are defaulted. However, at underwriting stage, the underwriter may proceed or reapply the loan by selecting a different loan offer.
Any advices maintained for this stage are generated after the completion of the stage.
Step 1.Document Verification
In the Document Verification stage, the documents captured in the previous stages are
verified. It is ensured that all documents in the checklist maintained are obtained from the
customer. In this stage, the application and applicant information captured as part of the
previous stages undergoes a final verification.
You can invoke this screen by typing ‘ORDRLDVR’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
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The verifier can choose to send the application back to the previous stage if the information
provided is not adequate or choose to cancel it if the information captured is not satisfactory.
If the applicant, application and document details are verified successfully, the verifier can
proceed with the processing of the application by selecting ‘PROCEED’ as the Outcome. The
verifier can select ‘RETURN’ to return the process to underwriting stage for data correction or
‘CANCEL’ to terminate the process.
On successful completion, a message stating that the task is successfully completed gets
displayed. The customer, customer account, collateral etc. are created in the system on
completion of the Document verification stage.
Step 2.Manual Retry
Manual Retry Stage is an optional stage. If the system faces any issues while creating
Customers or Customer’s Accounts or Customer’s Limits, the loan application is moved to
Manual Retry stage. You can do any corrections in the requested Loan Application and retry
the task.
In this stage the verifier can provide the corrected information based on the issues thrown by
the system while processing the Loan. This stage will be retried until the Loan gets booked in
the system.
You can invoke this screen by typing ‘ORDRLMCU’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
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3. Maintenances
3.1
Introduction
As part of general maintenance required for the successful functioning of Corporate Loan
Origination, you should maintain the following in the system:
3.2

SDE Maintenance

Template Definition Maintenance

Ratio Maintenance
Maintaining System Data Elements
In order to calculate financial ratios, you can maintain System Data Elements (SDEs) using
the ‘SDE Maintenance’ screen. You can invoke this screen by typing ‘ORDSDEMT’ in the field
at the top-right corner of the Application tool bar and clicking the adjoining arrow button.
Specify the following details:
Group/Worksheet Name
Specify the group/worksheet name here.
Element Type
Select the element type from the adjoining drop-down list. This list displays the following
values:

Corporate

Retail

Both
Group/Worksheet Description
Specify a brief description of the group/worksheet you are maintaining.
3-1
SDE Name
Specify a unique name for the SDE you are maintaining.
SDE Description
Specify a description for the SDE you are maintaining.
Data Type
Select the data type of the SDE from the adjoining drop-down list. This list displays the
following values:

VARCHAR2

Number

Date
SDE Type
Select the SDE type from the adjoining drop-down list. This list displays the following values:

Template

Static
Derivation Required
Check this box indicate that derivation formula is required for the SDE.
Derivation Formula
Specify the derivation formula here. You can also maintain the derivation formula in the
‘Condition Builder’ screen which is invoked by clicking the ‘Formula’ button.
Specify the following details:
Condition
Specify the condition for the rule here.
3-2
Business Rule
Braces
Select the braces from the adjoining drop-down list.
Functions
Select the functions from the adjoining drop-down list.
Elements
Select the elements from the adjoining option list. This list displays all valid elements
maintained in the system.
Operators
Select the mathematical operators from the adjoining drop-down list. This list displays the
following values:

Equal To

Greater Than

Greater Than or Equal To

Less Than

Less Than or Equal To

Like

Not Like

Not Equal To
Logical Operators
Select the logical operators from the adjoining drop down list. This list displays the following
values:

And: Use ‘And’

Or: Use ‘OR’
Value
Specify the value of the SDE to define the condition. The value may be numeric or
alphanumeric, as required for the condition.
After building the condition, click the ‘Insert’ button to insert the same. To remove a condition,
click the ‘Clear’ button in the screen.
3.3
Defining Template for Calculating Ratios
You can define templates for calculating financial ratios taken from the balance sheet, income
statement, statement of cash flows or statement of retained earnings within the product. You
can capture the template related details through the ‘Ratio Template Definition’ screen.
3-3
You can invoke this screen by typing ‘ORDTEMDF’ in the field at the top-right corner of the
Application tool bar and clicking the adjoining arrow button.
Specify the following details:
Industry
Specify the industry name here.
Sheet Name
Specify the worksheet name here.
Short Description
Specify a brief description about the template.
Worksheet
Worksheet Name
Specify the worksheet name here.
Worksheet Description
Specify a brief description about the worksheet.
Work sheet Required
Check this box to indicate that work sheet should be generated in excel format.
SDE Details
SDE Name
Specify the SDE name here.
SDE Description
Specify a brief description of the SDE.
Data Type
Select the data type from the adjoining drop-down list. This list displays the following values:
3-4

VARCHAR2

Number

Date
Category
Select the SDE category from the adjoining drop-down list. This list displays the following
values:

Asset

Liability

Income

Expense
Sub Category
Select the sub-category of the SDE from the adjoining option list. This list displays all valid
sub-categories maintained in the system.
Note
The sub-category should be defined as an SDE in the ‘SDE Maintenance’ (ORDSDEMT)
screen.
SDE Type
System displays the SDE type here. The SDE type could either be General SDE or Derived
SDE.
3.4
Maintaining Ratio Details
You can define templates for calculating financial ratios taken from the balance sheet, income
statement, statement of cash flows or statement of retained earnings within the product. You
can capture the template related details through the ‘Ratio Template Definition’ screen.
3-5
You can invoke this screen by typing ‘ORDTEMDF’ in the field at the top-right corner of the
Application tool bar and clicking the adjoining arrow button.
Specify the following details:
Group Id
Specify the group id here.
Description
Specify a brief description of the group id you are maintaining.
Type
Select the credit ratio type from the adjoining drop-down list. This list displays the following
values:

Retail

Corporate

Ijarah

Istisna

Mudarabah

Murabaha

Mushraka

Tawarooq
Ratio Id
Specify the ratio id here.
Description
Specify a brief description for the ratio id you are maintaining.
3-6
Click the ‘Formula’ button to build the ratio formula.
Specify the following details
Formula
Ratio Type
Select the ratio type from the adjoining drop-down list. This list displays the following values:

Stated Before

Stated After

Actual Before

Actual After
3-7
Condition
Specify the condition here. You can also maintain the condition in the ‘Condition Builder’
screen which is invoked by clicking the ‘Condition Builder’ button.
Specify the following details:
Condition
Specify the condition for the rule here.
Business Rule
Braces
Select the braces from the adjoining drop-down list.
Functions
Select the functions from the adjoining drop-down list.
Elements
Select the elements from the adjoining option list. This list displays all valid elements
maintained in the system.
Operators
Select the mathematical operators from the adjoining drop-down list. This list displays the
following values:

Equal To

Greater Than

Greater Than or Equal To

Less Than

Less Than or Equal To

Like

Not Like

Not Equal To
3-8
Logical Operators
Select the logical operators from the adjoining drop down list. This list displays the following
values:

And: Use ‘And’

Or: Use ‘OR’
Value
Specify the value of the SDE to define the condition. The value may be numeric or
alphanumeric, as required for the condition.
After building the condition, click the ‘Insert’ button to insert the same. To remove a condition,
click the ‘Clear’ button in the screen.
3-9
4. Reports
4.1
Introduction
The following are the reports that you can generate in Retail Loan Origination module:


Collateral Seller Details Report

Reference Details Report

Business Analysis Report

Ratio Analysis Report

Reject Analysis Report

Lead Report

Offer Generated for Leads Report

Converted Leads Report

Rejected and Closed Leads Report

Non Originated Leads Report

To generate any of these reports choose Reports in the Application Browser. Choose Retail
Lending under it. A list of all the reports in Retail Lending module will be displayed. You can
choose to view or print the report.
The selection options that you specified while generating a report are printed at the beginning
of every report.
4.2
Collateral Seller Details Report
You can generate a report with the details collateral sellers for a retail loan application or
account using ‘Collateral Seller Details Report’ screen. To invoke this screen, type
4-1
‘RLRPCLSR’ in the field at the top right corner of the application toolbar and click the adjoining
arrow button.
Specify the following details:
Application Number
Specify the loan application number for which you need to generate the report.
Account Number
Specify the account number for which you need to generate the report.
Once you have specified the details, click ‘OK’ button. The system generates the report.
4.2.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The header carries the report title, run date and time, branch code and branch name.
Body of the Report
The following details are displayed in the report:
Field Name
Description
Seller ID
The seller ID generated by the system
Seller Type
The type of seller, whether individual or corporate
Seller Name
Name of the seller
Nationality
Nationality of the seller
Passport Number
Passport number of the seller
Passport Issue Date
Date of issue of the seller’s passport
4-2
4.3
Field Name
Description
Passport Expiry date
Date of expiry of the seller’s passport
Address Line 1
Address of the seller
Address Line 2
Address of the seller
Address Line 3
Address of the seller
Address Line 4
Address of the seller
Country
Country of the seller
Reference Details Report
You can generate a report with the details of the reference for a retail loan application or
account using ‘Reference Details Report’ screen. To invoke this screen, type ‘RLRPREFR’ in
the field at the top right corner of the application toolbar and click the adjoining arrow button.
Specify the following details:
Application Number
Specify the loan application number for which you need to generate the report.
Account Number
Specify the account number for which you need to generate the report.
Once you have specified the details, click ‘OK’ button. The system generates the report.
4.3.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The header carries the report title, run date and time, branch code and branch name.
4-3
Body of the Report
The following details are displayed in the report:
4.4
Field Name
Description
Reference Number
Reference number of the person whose reference is provided by
the applicant.
First Name
First name of the person who referred the applicant.
Middle Name
Middle name of the person who referred the applicant.
Last Name
Last name of the person who referred the applicant.
Salutation
Salutation of the person who referred the applicant.
Gender
Gender of the person who referred the applicant.
No. of Years
Known
Number of years the reference has known the applicant
Relation
Relation of the reference with the applicant
Line-1
First line of the address of the reference
Line-2
Second line of the address of the reference
Line-3
Third line of the address of the reference
Line-4
Fourth line of the address of the reference
Country
Country of the person who referred the applicant
Nationality
Nationality of the person who referred the applicant
Mobile Number
Mobile Number of the person who referred the applicant.
Landline Number
Landline number of the reference.
Business Analysis Report
You can generate the business analysis report to analyse the business by giving data on the
volume of transactions across products in a branch. You can also get information of the
transaction status within a specific period.
4-4
You can generate this report using the ‘Business Analysis Report’ screen. You can invoke this
screen by typing ‘ORRLNAMT’ in the field at the top-right corner of the Application tool bar
and clicking the adjoining arrow button.
Specify the following details:
Status
Indicate the transaction status. You can select one of the following options:

Completed

Rejected

WIP
By default, ‘Completed’ option is selected.
Branch
Specify the branch code from the adjoining option list. This list displays all valid branch codes
maintained in the system. If no branch is selected, then system displays the report for all
branches.
Product Code
Select the product code from the adjoining option list. This list displays all valid product codes
maintained in the system. If you select a branch but not a product code, then system displays
the report for all product codes of the selected branch. If you select only the product code and
not the branch, then system displays the report for all branches for the selected product code.
From Date
Specify the date from which the report should be generated. By default, system displays the
current Application date.
To Date
Specify the date till which the report be generated. By default, system displays the current
Application date.
Report Format
Select the format in which you want to report to be generated from the options provided in the
drop-down list. This list displays the following values:

PDF
4-5

HTML

Excel

RTF
Report Output
Select the output for the report from the adjoining drop-down list. This list displays the
following values:

Print - Select this option if you wish to print the report

View - Select this option if you wish to view the contents of the report

Spool - Select this option if you wish to spool the report for further use
Printer At
Select the location where you want the report to be generated from the options provided in
the adjoining drop-down list. This list displays the following values:

Client

Server
Printer
Specify the name of the printer or select it from the option list provided. The adjoining option
list displays all the configured printers.
This is applicable only if you have specified the output as 'Print'.
Once you have specified the details, click the ‘OK’ button. The system generates the report
4.4.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The header carries the report title, run date and time, branch code, branch name, branch date,
user id, module code and page number.
Body of the Report
The following details are displayed in the report:
4.5
Field Name
Description
Branch Code
Branch code of the transaction
Product Code
Produce code of the transaction
Product Description
Description of the product code
Volume
Count of the applications
Currency
Currency type of the product
Amount
Total amount against the product
Ratio Analysis Report
You can generate the ratio analysis report to analyse and compare the ratios by giving yearly
and quarterly data of the customer. You can also get information on the ratio group. You can
generate the ratio analysis report using the ‘Ratio Analysis Report’ screen. You can invoke
4-6
this screen by typing ‘ORRRATRP’ in the field at the top-right corner of the Application tool
bar and clicking the adjoining arrow button.
Specify the following details:
Customer Details
Customer Number
Select the customer number from the adjoining option list. This list displays all valid customer
numbers maintained in the system. If you do not select a customer number, then system
displays the report for all the customers.
Report Type
Select the report type from the adjoining drop-down list. This list displays the following values:

Quarter to Quarter - If you select this option, then system displays the report based on
the values maintained in the ‘Quarter to Quarter’ section.

Year to Year - If you select this option, then system displays the report based on the
values maintained in the ‘Year to Year’ section.
Report Generation Type
Select the report generation type from the adjoining drop-down list. This list displays the
following values:

Date Type - If you select this option, then the report displayed is a data type report.

Graph Type - If you select this option, then the report displayed is a graphical report.
Year to Year
From Year
Specify the year from which you want to generate the report. Alternatively, you can select the
year from the adjoining option list.
To Year
Specify the year till which you want to generate the report. Alternatively, you can select the
year from the adjoining option list.
4-7
Quarter to Quarter
Year
Specify the year in which you want to generate the quarter-to-quarter report. Alternatively, you
can select the year from the adjoining option list.
Quarter1
Check this box to generate the report for the first quarter of the selected year.
Quarter2
Check this box to generate the report for the second quarter of the selected year.
Quarter3
Check this box to generate the report for the third quarter of the selected year.
Quarter4
Check this box to generate the report for the forth quarter of the selected year.
Report Format
Select the format in which you want to report to be generated from the options provided in the
drop-down list. This list displays the following values:

PDF

HTML

Excel

RTF
Report Output
Select the output for the report from the adjoining drop-down list. This list displays the
following values:

Print - Select this option if you wish to print the report

View - Select this option if you wish to view the contents of the report

Spool - Select this option if you wish to spool the report for further use
Printer At
Select the location where you want the report to be generated from the options provided in
the adjoining drop-down list. This list displays the following values:

Client

Server
Printer
Specify the name of the printer or select it from the option list provided. The adjoining option
list displays all the configured printers.
This is applicable only if you have specified the output as 'Print'.
4.5.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The header carries the report title, run date and time, branch code, branch name, branch date,
user id, module code and page number.
4-8
Body of the Report
The following details are displayed in the report:
4.6
Field Name
Description
Customer Number
Customer Number for which the report is generated
Year
The financial year
Ratio Group
Ratio group of the ratios
Ratio
Ratio name
Quarter1
Value of the ratio in quarter1
Quarter2
Value of the ratio in quarter2
Quarter3
Value of the ratio in quarter3
Quarter4
Value of the ratio in quarter4
Reject Analysis Report
You can generate the reject analysis report to analyse applications which are rejected or
terminated and to get information of the rejected stage and reason, within the specified period.
You can generate this report using the ‘Reject Analysis Report’ screen. You can invoke this
screen by typing ‘ORRRJAPP’ in the field at the top-right corner of the Application tool bar and
clicking the adjoining arrow button.
Specify the following details:
Process
Select the process from the adjoining option list. This list displays all valid processes
maintained in the system. If you do not select a process, then system displays the report for
all processes.
Branch
Select the branch code from the adjoining option list. This list displays all valid branch codes
maintained in the system.
4-9
Rejected User Id
Select the user id from the adjoining option list. This list displays all valid user ids maintained
in the system. If you select a process but not a user id, then system displays the report for all
user ids in a the selected branch. If you select a user id but not a process, then system
displays the report for all processes for the selected user id.
From Date
Specify the date from which the report should be generated. Alternatively, you can select the
date from the adjoining calendar button.
To Date
Specify the date till which the report should be generated. Alternatively, you can select the
date from the adjoining calendar button.
Report Format
Select the format in which you want to report to be generated from the options provided in the
drop-down list. This list displays the following values:

PDF

HTML

Excel

RTF
Report Output
Select the output for the report from the adjoining drop-down list. This list displays the
following values:

Print - Select this option if you wish to print the report

View - Select this option if you wish to view the contents of the report

Spool - Select this option if you wish to spool the report for further use
Printer At
Select the location where you want the report to be generated from the options provided in
the adjoining drop-down list. This list displays the following values:

Client

Server
Printer
Specify the name of the printer or select it from the option list provided. The adjoining option
list displays all the configured printers.
This is applicable only if you have specified the output as 'Print'.
4.6.1
Contents of the Report
The contents of the report are discussed under the following heads:
Header
The header carries the report title, run date and time, branch code, branch name, branch date,
user id, module code and page number.
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Body of the Report
The following details are displayed in the report:
4.7
Field Name
Description
Application Number
Application Number that was rejected
Branch
Branch of the rejected application
Customer Number
Customer number of the rejected application
Customer Name
Customer name for the customer number
Rejected Stage
The stage where the application was rejected
Rejected By
The user who rejected the application
Rejected Date
The date on which the application was rejected
Rejected Reason
Rejected reason specified by the user for rejecting
the application
Lead Report
You can invoke the ‘Lead Report’ screen by typing the code ‘RLRPLEDR’ in the field at the
top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
4.7.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
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Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:Pending Action Leads
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Days of Inactivity
Indicates the days lapsed from New to Follow Up
Report
You can invoke the ‘Pending Action Leads’ screen by typing the ‘RLRPPALR’ in the field at
the top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
Status
Select the status from the adjoining option list.
4.7.2
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
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Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:
4.8
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Status
Indicates the status of the loan request
Days of Inactivity
Indicates the days lapsed from New to Follow Up
Offer Generated for Leads Report
You can invoke the ‘Offer Generated for Leads’ screen by typing the ‘RLRPOFGR’ in the field
at the top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
Status
Select the status from the adjoining option list.
4.8.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
4-13
Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:
4.9
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Status
Indicates the status of the loan request
Converted Leads Report
You can invoke the ‘Converted Leads’ screen by typing the ‘RLRPCOVR’ in the field at the
top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
Status
Select the status from the adjoining option list.
4.9.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
4-14
Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Status
Indicates the status of the loan request
Application Number
Indicates the application number
4.10 Rejected and Closed Leads Report
You can invoke the ‘Rejected and Closed Leads’ screen by typing the ‘RLRPRCLR’ in the field
at the top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
Status
Select the status from the adjoining option list.
4.10.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
4-15
Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Status
Indicates the status of the loan request
Reason
Indicates the reason for the status change to Rejected and
Closed
4.11 Non Originated Leads Report
You can invoke the ‘Non Originated Leads’ screen by typing the ‘RLRPNORR’ in the field at
the top right corner of the Application tool bar and click on the adjoining arrow button.
User
Select the User from the adjoining option list.
Branch
Select the branch from the adjoining option list.
Status
Select the status from the adjoining option list.
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4.11.1
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Report is as follows:
Header
The Header carries the title of the Report, information on the branch code, branch date, the
date and time of report generation, the user-ID of the user generating the report, module,
page and the event date.
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Lead ID
Indicates the lead ID created by the user ID
User ID
Indicates the user ID
Branch
Indicates the branch
Status
Indicates the status of the loan request
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5. Function ID Glossary
ORDRLDVR ..................... 2-128
ORDRLMCU ..................... 2-129
ORDRLSIM ........................ 2-22
ORDRLUND ..................... 2-105
ORSCATMT ....................... 2-50
ORSDOCMT ...................... 2-45
ORSLEADM ....................... 2-19
ORSOVDMT ....................... 2-42
ORSPRCMT ....................... 2-52
ORSRATMT ....................... 2-39
ORSRLSIM ......................... 2-31
ORSRULMT ....................... 2-36
C
CLRPADVC .................... 11, 12
CMROLE ............................ 2-99
CSCDOCUP ....................... 2-90
O
ORDCATMT ....................... 2-46
ORDDOCMT ...................... 2-43
ORDLEADM ......................... 2-2
ORDOVDMT ...................... 2-40
ORDPRCMT ....................... 2-51
ORDRATMT ....................... 2-37
ORDRLAPP ........................ 2-70
5-1
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