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CUSTOMER ACQUISITION SYSTEM

AUTOMATED HAWK-EYE TO SCRUTINIZE LOAN REQUESTS

USER’S MANUAL
VERSION 1.0
CUSTOMER ACQUISITION SYSTEM

User’s Manual
Version 1.0
Document Code: P-0287-UM_CAS Corporate
© 2004 Nucleus Software Exports Ltd. All rights reserved

No part of this document may be reproduced or transmitted in any form or by any means,
electronic or otherwise, including photocopying, reprinting, or recording, for any purpose, without
the express written permission of Nucleus Software Exports Ltd.

DISCLAIMER

Information in this document is subject to change without notice and should not be construed as a
commitment on the part of Nucleus Software Exports. Nucleus Software Exports does not
assume any responsibility or make any warranty against errors that may appear in this document
and disclaims any implied warranty of merchantability or fitness for a particular purpose.

TRADEMARKS

The names of all other company, brand, product or service names mentioned herein are the
trademarks or registered trademarks of their respective owners.

Document Code: P-0287-UM_CAS Corporate


First Release: August 13, 2005

Nucleus Software Exports Limited


33-35, Thyagraj Nagar Market,
New Delhi-110 003,
India.
Tel: +91-11-24627552
Fax: +91-11-24620872
E-mail: bdg@nucleussoftware.com
Visit us at: http://www.nucleussoftware.com

WARNING
This document is not for retail sale.
PREFACE

Purpose of this Document


This user manual aims to familiarise users of the Loan Origination System (LOS) with the
application. CAS is a web-based application developed for banks and non-banking finance
companies (NBFC)
This user’s manual is intended to help the CAS users perform various tasks by:
1. Indicating the capabilities of the system
2. Giving step-by-step instructions for entering data and generating reports
3. Describing the function of each screen and means of navigation between screens
4. Explaining the functions of the buttons that appear on each screen

5. Familiarising users with the system response to actions performed

Intended Audience
This document is meant for use by banks and NBFCs, dealing with loans, and senior
management of an organisation, who are using the automated Loan Origination System
(LOS).
It is important that all users of the CAS are well versed with the basic computer
fundamentals. It is assumed that the users of this system are aware of the loan and business
processes and terminology of the organisation.

Acronyms and Abbreviations Used


The acronyms and abbreviations, used in this document, and their explanations are provided
in the following table. These are used in many fundamental definitions and explanations in
this document, and are specific to the information in this document.

Abbreviation Description

A/c Account
BIRR Business IRR
BP Business Partner
CAM Credit Approval Memorandum
CLS Central Liability System
CPU Central Processing Unit
CPV Contact Point Verification
CSF Cheque Submission Form
DD Demand Draft
DDE Detail Data Entry
DM Disbursement Memo

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DME Direct Marketing Executive


DOB Date of Birth
DRF Disbursal Request Form
DSA Direct Selling Agent
DSR Debt to Service Ration
EMI Equated Monthly Instalment
FI Field Investigation
FOIR Fixed Obligation to Instalment Ratio
HNW High Net Worth
ICBS International Core Banking Software
IIR Income to Instalment Ratio
IMD Initial Money Deposit
ITR Income Tax Return
LAP Loan Against Property
LLL Legal Lending Limit
LMS Loan Management System (FinnOne Version)
LOS Loan Origination System
LoV List of Values
LTV Loan to Value
MICR Magnetic Ink Character Recognition
MSPR Manufacturer Suggested Retail Price
NADA National Automobile Dealers Association
NBFC Non-Banking Finance Company
NDC Non-Discrepancy Check
OPS Operations
PDC Post Dated Cheque
PDCMS Post Dated Cheque Management System
QDE Quick Data entry
RC Registration Copy
RMS Rate Management System
TAT Turn Around Time
TV Tele Verification

Conventions Used
The following table describes the symbols and typographical conventions used in this
document. These conventions are used to describe the screen components in text. These will
help you locate relevant information easily.

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Screen Component Text Format Example

Button Arial Bold font, 10 pt. and bordered text is


used while referring to the button names in Clear
the text

Blue text is used while referring to the screen The New Application
Screen
names screen

Link Bold text is used while referring to the links Click Edit.
All messages are given in the Times New Data saved successfully.
Message
Roman Bold font, 11 pt
The given symbol is used to state information
Note that requires special attention. This is
presented in a shaded box to attract attention
Bold text is used for writing menu option On the CAS Main Menu,
Menu Option
names click Approval.

Organisation of this Manual


This document comprises the following chapters and is organized in the following way:
Chapter 1, Introduction, describes the Customer Acquisition System.
Chapter 2, Getting Started, explains the system requirements to connect to the CAS.
Chapter 3, Using CAS, describes the screen elements, buttons and links that are present
throughout the system.
Chapter 4, Accessing CAS, describes the procedure to access the system and start using it

Chapter 5, Initiating a Deal, describes the procedure for adding a new applicant’s details to the
system and initiating a deal.
Chapter 6, Entering Details of Additional Applicant, describes the procedures for entering
details of additional applicant/s (co-applicant/guarantor) to the system.
Chapter 7, Reviewing Credit Worthiness of the Applicant, describes the procedure for
reviewing the credit worthiness of the corporate applicant on various system defined parameters
and accordingly assigning grades to the corporate applicant.
Chapter 8, Verifying Application Details, describes the procedure for verifying trade details,
collateral details and documents provided by the corporate applicant.

Chapter 9, Verifying Financial and Non-financial Details, describes the procedure for verifying
the financial and non-financial details furnished by the corporate applicant.
Chapter 10, Visiting Applicant for Investigation, describes the procedure for entering
information gathered after the field and telephonic verification of the corporate applicant.
Chapter 11, Appraising an Application, describes the procedure for taking a decision on the
loan application.
Chapter 12, Managing Post-Approval Modifications, describes the procedure for modifying
details of the customer (charges and interest rate) after the loan is approved.

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Chapter 13, Generating Offer Letter, describes the procedure of generating offer letter for the
customer.
Chapter 14, Managing Pre-disbursal Tasks, describes the procedure of collecting post approval
documents, entering loan details, fee and charges, and additional disbursal details for the
customer.
Chapter 15, Initiating Loan Disbursement, describes the procedure of disbursing loan to the
customer.

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CONTENTS
INTRODUCTION............................................................................................ 1
1.1 About CAS................................................................................. 2
1.2 CAS Masters .............................................................................. 2
1.3 Parameters ............................................................................... 2
1.4 Administration Tasks .................................................................. 3
1.4.1 Stage Reversal ..........................................................................................3
1.4.2 Unlocking an Application ...........................................................................4

1.4.3 Reconsidering an Application .................................................................... 5


1.5 Loan Processing Work Flow .......................................................... 6
1.6 Stages of Application Processing................................................... 6
1.7 Referrals ................................................................................... 8
1.7.1 Referring to Policy Tables ......................................................................... 8
1.7.2 Referring to Dedupe Parameters...............................................................9

1.7.3 Referring to Scoring Chart.......................................................................10

GETTING STARTED ..................................................................................... 11


2.1 System Requirements ................................................................12
2.2 System Security........................................................................12
2.2.1 User Authentication .................................................................................13
2.2.2 Changing Password ................................................................................13

2.2.3 Session Time-out.....................................................................................14


2.3 Recommended Display Settings...................................................14
2.4 Getting Support ........................................................................14

USING CAS ................................................................................................. 15


3.1 Screen Elements .......................................................................16
3.1.1 Header .....................................................................................................16
3.1.2 Application Details ...................................................................................16
3.1.3 Links ........................................................................................................17
3.1.4 Buttons and Icons ....................................................................................17
3.1.5 Screen Conventions ................................................................................18
3.2 Common Functions ....................................................................18
3.2.1 Using Notepad .........................................................................................18
3.2.2 Using Change Stage ...............................................................................20
3.2.3 Using Calendar ........................................................................................20

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3.2.4 Searching Data ........................................................................................21


3.2.5 Adding Multiple Records..........................................................................24
3.2.6 Modifying a Record..................................................................................25
3.2.7 Deleting a Record ....................................................................................26
3.2.8 Saving Data .............................................................................................26
3.2.9 Viewing Application History .....................................................................26
3.2.10 Saving Data ...........................................................................................28
3.2.11 Printing Data ..........................................................................................28
3.2.12 Viewing Applications..............................................................................28
3.2.13 Viewing Dashboard................................................................................28

ACCESSING CAS ......................................................................................... 31


4.1 Logging into CAS.......................................................................32
4.2 Home Page...............................................................................34

INITIATING A DEAL ................................................................................... 36


5.1 Entering Basic Information .........................................................38
5.2 Entering Demographic Details .....................................................42
5.2.1 Entering Applicant’s Details.....................................................................43
5.2.2 Entering Address Details .........................................................................46

5.2.3 Entering Business/Financial Information .................................................49


5.2.4 Entering Corporate Rating Details...........................................................50
5.2.5 Entering Stakeholder Details ...................................................................51
5.2.6 Entering Existing Facility Details .............................................................55
5.2.7 Entering Supplier and Buyer Details........................................................58
5.3 Maintaining Details of Documents ................................................62
5.3.1 Making a List of Documents to be Collected ........................................... 62
5.3.2 Entering Details of Documents ................................................................64
5.4 Maintaining Collateral Details ......................................................67
5.4.1 Adding the Type of Collateral ..................................................................67
5.4.2 Adding Specific Details of Collateral........................................................70
5.4.3 Adding Insurance Details.........................................................................78
5.4.4 Adding Address of Collateral ...................................................................79

ENTERING ADDITIONAL APPLICANT .......................................................... 81


6.1 Adding Individual Co-Applicant/Guarantor.....................................82

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6.1.1 Entering Details of Individual Co-applicant/Guarantor ............................ 86


6.2 Adding Corporate Co-applicant/Guarantor .....................................91
6.2.1 Entering Details of Corporate Co- applicant/Guarantor........................... 95

REVIEWING CREDIT WORTHINESS ............................................................ 96


7.1 Viewing Customer Selection Criteria Details ..................................97
7.2 Assigning Grades to Applicants....................................................97
7.3 Making Financial Projections .......................................................99

VERIFYING APPLICATION DETAILS.......................................................... 103


8.1 Verifying Trade Details ............................................................. 105
8.1.1 Verifying Buyer Details ..........................................................................105
8.1.2 Verifying Supplier Details ......................................................................109
8.1.3 Gathering Reports from Market .............................................................112
8.2 Verifying Collaterals................................................................. 113
8.2.1 Initiating Verification Process ................................................................113
8.2.2 Verifying Collateral Details ....................................................................114

VERIFYING FINANCIAL AND NON-FINANCIAL DETAILS ........................... 154


9.1 Verifying Non-Financial Details .................................................. 155
9.1.1 Verifying Details of Ageing Debtors.......................................................155

9.1.2 Verifying Loan Repayment Details ........................................................157


9.1.3 Verifying Compliance.............................................................................159
9.2 Verifying Details of Bank Statement ........................................... 160
9.3 Verifying Exposure Details ........................................................ 164
9.4 Viewing Sales Recap ................................................................ 166

INVESTIGATING CONTACT DETAILS......................................................... 168


10.1 Initiating Investigation ............................................................. 169
10.2 Maintaining Verification Report .................................................. 170
10.3 Analysing Verification Result and Taking Decision......................... 177

TAKING DECISION ON APPLICATION ....................................................... 179


11.1 Underwriting a Loan Application ................................................ 180
11.2 Reviewing Loan Rejection ......................................................... 185
11.3 Confirming / Revoking Loan Rejection ........................................ 186

MANAGING POST-APPROVAL TASKS ........................................................ 188


12.1 Modifying Details..................................................................... 189
12.2 Generating Offer Letter ............................................................ 191

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MANAGING PRE-DISBURSAL TASKS ......................................................... 192


13.1 Viewing Facility Details............................................................. 193
13.1.1 Viewing Tranche Details......................................................................193
13.1.2 Viewing Demographic Details..............................................................194
13.2 Collecting Post-approval Documents........................................... 195
13.2.1 Making a List of Documents to be Collected .......................................195
13.2.2 Entering Post-sanction Document Details...........................................197
13.3 Entering Loan Details ............................................................... 200
13.4 Entering Fee and Charges Details .............................................. 204
13.5 Checking Special Conditions...................................................... 206
13.6 Entering Additional Disbursal Details .......................................... 206

DISBURSING LOAN .................................................................................. 212

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1
Introduction
The loan market has increased dramatically in recent years. Banks
are competing with each-other to meet both term loan and working
capital requirements of various sectors, such as Agriculture, Trade
and Service, Large/Medium and Small Scale Industries, and
Infrastructure.
The Customer Acquisition System (CAS) is a Web-based system, that
can be used by banking and non-banking financial organisations
dealing in corporate loans. The system has various features to help
these organisations cater to various loan requirements of their
customers. The various user-friendly screens of the system will help
you process loan applications right from entering details of the
customer to disbursing the loan amount.
This section introduces you to the CAS system, and describes the
following in detail:

• Services provided by CAS


• Features of CAS
• The security aspect of the system
• User roles defined in the system
• Components of the system
• Workflow of the system
• Technical architecture of the system

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1.1 About CAS


The Customer Acquisition System (CAS) is a web-based system, to be used by the banking and
non-banking financial organisations dealing in corporate loans. This tool compliments the existing
lending systems of the institutions and helps it process the loan applications efficiently. The CAS
loan processing mechanism takes into account the various categories and products for which
loan is sought, such as Trade Finance, Investment Loan, Working Capital Loan, and Treasury. It
also allows processing of loans for those customers who have opted for a combination of these
products. This is done through the Combo Product option.
CAS automates various functions of loan processing mechanism, stressing more on credit
checking, contact point verification and underwriting a loan application. At the back-end, the
system uses all the policy and scoring referrals of the organization to help the underwriter take a
decision on the loan application.
CAS is a high-volume transaction system. It maintains details of all the applications received. You
can also generate various reports on the status of the loan processing work.
With CAS, you can perform the following tasks online:
• Initiating a deal

• Updating applicant details


• Verifying applicant details
• Appraising and underwriting loan
• Authorizing loan approval
• Reviewing loan rejection
• Making post-approval edits

• Generating approval letter


• Maintaining post-approval details
• Initiating disbursement

1.2 CAS Masters


CAS saves the details of the client accounts and displays these whenever required. You can add
these details to the system only once, while creating the account, or when any information needs
to be updated. The system pulls up this data while displaying the specified reports. Therefore,
you need to update information in the system so that updated reports can be generated whenever
required.
For details on adding these records, see CAS Masters Manual.

1.3 Parameters
LOS allows the System Administrator to set parameters for different parameter codes.
Parameters are the values (or options) you get when you click any dropdown list. The field labels
are called the parameter codes. These parameters help you choose the most suitable option for

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your requirement. In addition, parameters help in standardizing the tasks, which in turn act as the
basis for generating reports.
These parameters should be set up before starting any CAS operation. Only System
Administrator is authorised to set up these parameters. For details on setting up parameters, see
Appendix.

1.4 Administration Tasks


CAS allows certain special tasks that may not be part of the process flow but are required for the
administration of the processing system. These are described below:

1.4.1 Stage Reversal


This option allows you to send applications, which are in stages before underwriter’s approval,
back to any of the previous stage. An application can be sent to the any previous stage, if for any
reason, some details entered in a previous stage needs to be reviewed. You can also reverse the
processing stage if you find the details are not adequate or complete. Only authorised users can
perform this function.

To do stage reversal:

1. Click Corporate Æ Deal Æ Administration Æ Working Capital Loan Æ Stage Reversal.


The Stage Reversal search screen is displayed.

Figure 1-1: The Stage Reversal search screen


2. Enter one or more search criteria to select the application for which you want to reverse the
stage.
3. Click Search .

A list of records matching the search criteria is displayed.


4. Click the Appl Id of the application for which you want to reverse the stage.
The Stage Reversal screen for the selected application Id is displayed.

Figure 1-2: The Stage Reversal screen

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5. From the Activity dropdown list, select the stage to which you want to reverse the application.
The dropdown list displays all the stages that are defined in the Activity Master and are prior
to the stage in which the application is currently present.

6. In the Reason field, enter the reason to reverse the stage.


7. Click Stage Reversal .

The application is moved to the selected stage.

1.4.2 Unlocking an Application


LOS does not allow you to open details of an application if it is already being viewed or modified
by another user. Such an application is considered locked. If you try to open an application which
is already in use, LOS displays the following message:
The Application <ID> is locked.
However, LOS allows you to unlock such files (considering that sometimes, a system error might
lock a file). Only the authorised users can perform this task.

To unlock an application:

1. Click Corporate Æ Deal Æ Administration Æ Working Capital Loan Æ Unlock.

The Unlock Application search screen is displayed.

Figure 1-3: The Unlock Application search screen


2. Enter one or more search criteria to select the application you want to unlock. Enter the
search criteria as described in the following table:

Field Description Remarks


Application ID Enter the unique identification number of the application that Optional
you want to unlock.
Role From the dropdown list, select the role of the user who has Optional
been assigned the application. The dropdown list displays the
roles that are defined in the Role Master.
Locked By From the LoV, select the user who has locked the application. Optional
The LoV displays the names of the users, who are defined in
the User Setup Master.

3. Click Search .

The Unlock Application search screen is displayed, showing a list of records satisfying the
search criteria.

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Figure 1-4: The Unlock Application screen


4. Mark the checkbox corresponding to the application Id that you want to unlock.
5. Click Unlock .

A confirmation message is displayed.


6. Click OK .

The system unlocks the selected applications.

1.4.3 Reconsidering an Application


This option allows you to send application in the DII and Post Sanction Document stages back to
the underwriter stage. An application can be sent to the underwriter, if for any reason, some
details entered in a previous stage needs to be reviewed. You can also reverse the processing
stage if you find the details are not adequate or complete. Only authorised users can perform this
function.

To reconsider an application:

1. Click Corporate Æ Deal Æ Administration Æ Working Capital Loan Æ Re-consideration.


The Re-consideration search screen is displayed.

Figure 1-5: The Re-consideration search screen


2. Enter one or more search criteria to select the application that you want to be recosidered.
3. Click Search .

A list of records matching the search criteria is displayed.


4. Click the Appl Id of the application that you want to be reconsidered.
5. Click Re-consider .

A confirmation message is displayed.


6. Click OK .

The system sends the selected application for reconsideration.

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1.5 Loan Processing Work Flow


The following diagram describes the process flow of CAS Corporate.

Figure 1-6: The CAS Corporate Process Flow

In this version of CAS, the referrals and dedupe checks are run automatically after the details of the
corporate applicant’s are entered into the system. You can view the results of these checks while
appraising the application or underwriting the loan.

1.6 Stages of Application Processing


CAS is a front-end to the lending system of the retail finance institutions and banks involved in
home loans. CAS is an effective tool that enables retail finance organizations to bring the best of
their loan approval processing mechanism and compliment their existing lending systems
effectively. In the current competitive market scenario, CAS helps the organization to process the
applications efficiently.
CAS comprises various stages that help in a standard way of entering and processing loan
applications of customers. The following table lists the different stages of application processing:

S. No Stage Description
1 New Deal This is the first stage of loan application processing. Soon after
there is a request for loan, it is allocated to a Customer Service
Officer (CSO). The system also generates a sequential Id for the
application and forwards it to the Deal Initiation (DLI) stage for

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entering the basic details of the applicant


2 Deal Initiation In this stage, information of the applicant, such as personal and
address details, documents to be collected, and collaterals
submitted is is entered in the system
3 Dedupe Referral The financial institution needs to guard against any duplication
(de-duplication, or dedupe) of a loan application. LOS checks the
BHFL database to check if there is any application with the same
name, address, date of birth, and any other specified parameters.
Dedupe is a back-end process run by the system after the DDE
stage.
4 Policy Referral Every institution has its own set of rules that govern the decision
to approve or reject a loan application. Referring an application to
policy check filters the applications that do not meet the policy
parameters. The rules defined in the Rule Engine Master are used
for this check. This is a back-end process run by the system after
the DDE stage.
5 Scoring Referral BHFL has certain parameters on the basis of which it assigns
scores or ranks to the applicants. The scoring results can be used
to identify the level of risk associated with a loan application. This
is a back-end process run by the system after the DDE stage.
6. Trade Check In this stage, infromation on credibility of the applicant is entered
in the system. This information is gathered from the buyers and
suppliers of the applicant or from the market
7. Bank Account In this stage, information to establish financial viablity and
Checking credibility of the applicant is entered in the system. The
information include details of ageing debtors of the applicant,
repayment history of the applicant, in case the applicant has taken
any other loan, transaction of the applciant with the bank, and
exposure of the bank to the applicant (what part of the total loan
granted by the bank belongs to the applicant)
8. Collateral Activities In this stage, truthfulness and validity of the collateral details given
by the applicant is verified and the result entered in the system
9. Investigation In this stage, truthfulness of the personal, educational, and
business/employment details given by the applicant is verified and
the result entered in the system
7. Financial Analysis In this stage, the risk involved in funding the corporate is
estimated with projections made on the balance sheet or profit
and loss statement of the corporate
8. Credit Review In this stage, the applicant’s creditworhiness is reviewed (on the
basis of the dedupe referral, trade check, collateral verification
and bank account analysis results) and grade is assigned to the
applicant.
9 Credit Approval Credit approval involves evaluation of the results of all the
investigations done on the applicant’s personal, financial, and
business/employement details. This is the most important stage of

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loan application processing cycle. The credit approver can take


any of the following decisions on the application on the basis of
the various investigation results:
• Approve the application
• Reject the application
• Forward it to another user for more details

11 Reject Review If the underwriter rejects an application, the system requires


another pre-designated user of the same or higher level to review
the rejection before the loan is denied to the applicant.
10. Post Approval In this stage, modifications in loan amount, interest rates, or fee
charged to the applicant is made
12 Offer Letter & In this stage, offer letter is printed to be sent to the applicant. The
Agreement offer letter includes the amount of loan that can be offered to the
applicant and the fees and charges levied on it.
If the application is rejected, a rejection letter is printed and sent to
the applicant.
5 Post Sanction In this stage, documents required from the applicant before the
Document sanctioned loan can be actually disbursed is collected
15 Disbursal Initiation After the loan approval, and collection of all relevant documents,
the process of disbursing the loan is initiated by issuing a memo
to the Accounts department, which also adds all the applicable
charges to it

1.7 Referrals
To process a loan application, the loan-giving institution needs to verify certain details of the
corporate applicant. Every institution has its own set of rules that govern the decision to approve
or reject loan applications. Each institution calculates the loan repayment capacity of the
corporate applicant on its own terms. CAS refers to such policy rules and matches these with the
applicant’s details. The results are available to the underwriter who can use these reports for
taking a decision on the loan application.
In addition, the institution also needs to guard against any duplication (de-duplication, or dedupe)
of a loan application. CAS checks the entire system to find any other application with the
matching name, address, date of birth and other specified parameters.
In this version of CAS, all the referrals run automatically and present the result report to the
authorized users. This section describes the various types of referrals and dedupes that are used
by the system.

1.7.1 Referring to Policy Tables


Referring to policy filters out applications that do not satisfy the basic eligibility criteria of the
lending bank. The rules defined in the rule engine are extended in the policy set-up. There can be
multiple policy sets. Each of these policy sets includes multiple policy rules.

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The following is the sequence of processes that the system performs to match the application
data with the lending bank’s policies:
1. After you enter the details of the corporate applicant, CAS refers it to the Policy Table
(Scheme-Segment-Table Mapping Maintenance Table). The system picks each row of
the policy rule table and applies the rule on the applicant’s profile.
2. Each rule from the Policy Rule Table can either pass or fail or data for the field may not
be available. Pass will return a value of Y, fail will return a value of N and data not
available will return a value of 0. A results stream is formed using these Y, N and 0s
placed in the order of the rules.
3. The list of application attributes referenced in the process, for which data is not available
are treated with wild card values, which means the rule is ignored and result of that policy
rule is taken as 0.
4. To interpret the result stream and determine the action, Policy Rule Results Table is
used. Each policy rule set has an associated results table. The result stream of the
corporate applicant is matched with the result streams, and applications are marked as
below:
a. Grey: If any match is found, the corresponding action is taken; otherwise, the
application is marked grey.
b. Black: When the application data does not satisfy the policy rules, the application
is rejected, it is marked black, and sent to rejects handling.
c. White: When the application records are matched positively, it is marked white and
moved to the next process module.

1.7.2 Referring to Dedupe Parameters


LOS maintains a list of the negative profile or delinquent customers to whom the bank does not
want to extend a loan. Whenever there is a new application for loan, you are required to check if
any of the application record matches with this list. This prevents any duplication of delinquent
customers and helps the bank assess the risk that may be involved in financing the customer.
The duplication check is performed on the following parameters:
• Applicant’s Name
• Applicant’s NPWP Number
The application performs dedupe against the following databases:
• ICBS
• Collection
• Recovery Management System (RMS)
• Bounce Cheque

• Rejected customers CAS Work in Progress (WIP).


You can view result of the dedupe process using the Dedupe Summary screen. This screen also
helps you to grade the application as Dedupe Approve, Dedupe Reject or Dedupe Neutral.
Whatever may be the grading given at this stage, the application passes on to the next stage

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defined in the workflow. However, this information is displayed to the underwriter and that helps
the underwriter assess the risks involved in extending loan to the corporate applicant.

1.7.3 Referring to Scoring Chart


The Scoring Referral is used to approve or reject the application depending on the result of all the
rules and parameters that govern the decision on a loan application. CAS stores the list of these
rules and parameters to take a decision on a loan application. Each of these rules and
parameters are assigned a score, either negative or positive. When these rules are applied to the
application data, CAS adds the score of each and displays the result.
This functionality also defines the action to be taken on the basis of the calculated score of the
corporate applicant. The possible actions can be as follows:
• White: For passed score
• Black: For rejected score
• Grey: For score referral

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2
Getting Started
The Customer Acquisition System is a Java-based application. The
CAS database is maintained on the Server and the Client machines
connected to the database Server can use the system. However,
CAS uses various security techniques so that only authorized users
can be connected to the server.
CAS is a Web-based system, and the users can access it from any
machine that has the required hardware and software.
This section introduces you to the CAS Corporate system, and
describes the following in detail:

• Hardware and software requirements for using the system


• Features that maintain system security:
• User Authentication

• Password Change
• Session Time-Out
• User account Immobilization
• Recommended display setting for viewing the system suitably
• Getting support, if required

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2.1 System Requirements


CAS is a web-based application. The following are the system requirements for using CAS:

Hardware Requirements

a. Database Server
1. Oracle DB Server 9i (64-bit Implementation)
2. RISC-based server running UNIX OS
3. Four 8-1.2 GHz processors, 8 GB RAM (Scalable up to 16 GB RAM)

b. Application Server
1. Intel-based server with four CPUs of 2.8 GHZ Xeon
2. 8 GB RAM (scalable to 16 GB)

c. Client for CAS Masters


1. Windows NT 4.0 (Service Pack 3) or Windows 2000
2. 256 MB RAM with 20 GB hard disk space
d. Client (for running CAS)
1. Windows NT 4.0 or Windows 2000 or higher
2. 128 MB RAM with 20 GB hard disk space

Software Requirements

a. Client for CAS Masters


Visual Basic Enterprise Edition Executables (Version 6.01)

b. Client (for running CAS)


1. Web browser (Internet Explorer 6.0 or above)
2. Internet access and 128 kbps bandwidth

2.2 System Security


To prevent unauthorised use and access of CAS, the system uses password-protected user Id for
user authentication and access control. Not all the users of the system can view all the CAS
screens or perform all the tasks in CAS. Some users may be authorized to perform only certain
tasks. In that case they will not be allowed to access the other CAS screens. Similarly, some uses
can only view certain screens but cannot enter or modify details in the system.
To prevent unauthorized access and maintain system security, CAS uses the following
techniques:
1. User Authentication
2. Password Change
3. Session Time-out

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2.2.1 User Authentication


Only authorized users can access CAS. Each user is assigned a unique User Id and password by
the System Administrator. You are required to enter this User Id and password to login to the
system. The system also requires you to select the branch of the bank, where you are located.
The system uses this Id, password and branch information to identify you when you are
accessing the system. Only those screens and options are displayed to the user for which you
have the access rights. CAS allows only single entry to all the users, which means that the users
cannot login to the system from more than one system at any time.

Every time you need to access the CAS, the system prompts you to enter your Login Id and
password. The system uses the User Id and login details of that system to identify the user.
Always log out of the system after you finish working with the CAS. To log out from the system,
Click the Exit icon on the top left corner of any of the CAS screens.

Figure 2-1: The Exit icon

If you enter incorrect user Id or password, your Id will be locked after the specified number of
attempts, which is maintained in the Security Parameter Master, and you will not be allowed to
access the system. Contact your System Administrator to unlock your Id and get a new password.

2.2.2 Changing Password


It is recommended that you protect your login Id and password information. In order to prevent
any misuse, you must change your password from time to time. The system also requires you to
change your password after a specified period, as set by the System Administrator. After this
period, you will not be able to access CAS with that password.
To change the password, click Change Password on the left navigation menu. The Change
Password screen is displayed.

Figure 2-2: The Change Password screen


If you try to access the system with the expired password, the Change Password screen will be
displayed with the following message on top of the screen:
Password has expired, Please change it

Your password should be at least eight characters long and have at least two numerals in it.

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If you have forgotten your password and need a new password, contact your System
Administrator.

2.2.3 Session Time-out


It is suggested that you log out of the CAS after performing the required tasks. The CAS session
times out after a specified period of inactivity. The System Administrator in the CAS Masters
defines this period. After the specified time limit of inactivity, a time-out countdown window is
displayed. You can close the window to come back to the active CAS screen.
Session time-out prevents misuse of the system and unauthorised access to data in case a valid
user has left the system without logging out. You are required to log in again to use the system
after the session times out or expire.

2.3 Recommended Display Settings


Use the following recommended display settings for the browser to view the CAS application
optimally:
• Resolution: 1024 X 768
• Colour Quality: Highest

• Font Size: Normal

2.4 Getting Support


Contact your System Administrator in case of any problem with the system.

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3
Using CAS
CAS performs tasks by using the data entry and search screens of the
systems. There are certain screen elements, such as buttons and
icons, that are present consistently on all the CAS screens. In addition,
the system users some general conventions throughout, such as blue
shading to identify the mandatory fields. This chapter describes all
such common screen elements and conventions.

This is followed by a description of tasks that you are required to


perform frequently while using the system. These include details of
searching a required record or data, and saving and printing
information. In addition, the system also provides for certain short-cut
keys, which make navigation to the required screen or Menu faster.
It is recommended that you understand these elements and
functionalities before starting to use the system. This will help you
execute these functions more easily and speedily. This chapter
describes the following in detail:

• Screen elements, such as buttons, icons, and common


conventions
• Using short-cut keys
• Using notepad to make notes
• Using Calendar icon to enter dates
• Searching data by using search criteria and List of Values, and
viewing search results

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3.1 Screen Elements


The basic information of the user operating the system is displayed on all the screens. In addition,
a few buttons are consistently present on the CAS screens as system toolbar. These are
described in the following sections.

3.1.1 Header
There is a common header that is displayed on top of every CAS screen. This consists of the
Branch, user id, and current date.

Scree
n
Name
Figure
B 3-1:
i CAS Header
The following table describes the elements of the CAS Header.

Field Description

Screen Name Displays the abbreviated name of the current stage


Abbreviation
Branch Displays the name of the branch where the application is being added to the
system
User Displays the name of the CAS user who has entered the new application
Business Date Displays the date when the application record is created. The date is displayed in
the dd/mm/yyyy format. Business date may be different from the current date
Exit icon Click the Exit icon to exit the system at any time. If the user does not use this icon
to close the application and rather used the explorer’s close button for the purpose,
the user id gets locked for some time

3.1.2 Application Details


The common application details, such as Application Id, name of the applicant, loan amount, and
tenure, are displayed on top of every LOS screen below the header.

Figure 3-2: Application Details


Field Description
Application Id Displays the identification number of the application. The system generates this Id
when you save details on the New Deal screen.
Name Displays the name of the applicant. The First, Middle, and Last name entered for
the applicant on the Personal screen are used to display this name.
Amount Displays the amount for which loan is applied, as entered in the Personal screen
Product Displays the product for which loan is applied, as selected in the New Deal screen

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Scheme Displays the scheme under which loan is applied, as selected in the New Deal
screen

3.1.3 Links
Some of the CAS screens display links to the related screens, entering details to which may be
necessary to complete a process. These links are displayed in a navigation bar below the
application details. When you click these links, the specified screens are displayed in a new
window.

Figure 3-3: Links, as they appear below the application details


Links for Notepad and Change Stage are present on most of the screens of the system. Notepad
and Change Stage are two special CAS functions. Notepad allows you to enter any additional
comments about the application for reference. The Change Stage link allows you to reverse the
processing stage of an application, if required, and send it back to the selected stage. For details
on these, refer to Using Notepad, and Using Change Stage

3.1.4 Buttons and Icons


The system uses the following buttons consistently on all the screens. The buttons appear
enabled or disabled depending on the user role and screen functionality.

Button / Icon Name Description

Add Click this button to add the entered data to the system.
The system displays the entered details below the entry
Add.
fields. You can add multiples details.CAS adds a new
row for each detail
Clear/Reset Click this button to remove the data in all the fields of
Clear/Reset.
the screen
Close Click this button to close the screen
Close.

Delete Click this button to delete the


Delete. client/project/product/service account, whose details are
displayed on the screen
Modify Click this button after you update data in any of the
Modify.
fields
Search Click this button to search for the required data. You
Search. may give one or more search criteria to narrow down
your search
Update Click this button to update the modified data
Update.

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Print. Print Click this button to print the report

List of Values (LoV) Click this button to search for the pre-defined values for
.
the corresponding field
Calendar This icon is always displayed along side a date entry
field. Click this icon to search for the required date. For
details see Section 3.2.3 Using Calendar
Exit Click this icon to exit from the CAS system. You can
close the system from any of the screens

3.1.5 Screen Conventions


The following conventions have been followed in all the screens of the system:
• Fields marked in red are mandatory. The entry text boxes and option buttons for
mandatory fields are also shaded in blue.
• LOS does not allow you to save a screen or move to the next screen without entering
data in the mandatory fields on the screen. If you attempt to do so, an error message is
displayed, specifying the fields for which data needs to be entered.
• When you enter any amount, you do not need to add commas to separate the digits as
per metric system. CAS automatically generates these commas as per the Indian system.

• If no relevant data is available in the system, the message No records is displayed below
the entry fields in red text.

3.2 Common Functions


There are some functions in LOS, which you need to perform throughout the application. These
are described in the following section.

3.2.1 Using Notepad


Notepad is a special feature of CAS. Using this, you can enter any additional or special
comments related to any application for later reference. These remarks are linked to the
application Id and saved in the system. You can view these notes at any stage of the application
processing. Details of these notes are displayed in a grid below the entry fields in chronological
order.

To use notepad:

1. On any of the CAS screens, click Notepad.


The Notepad screen is displayed in a new window, showing the Application Id for which you
want to add comments and its details, such as name of the applicant, product and scheme of
the loan product and the amount and tenure for which loan is sought.

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Figure 3-4: The Notepad screen


2. Enter or select details in all the fields, as described in the following table.

Field Description Remarks

Note Code Select a code value for the note you want to enter. The Mandatory
dropdown list displays the values as specified in the CAS
Masters. To select a code, you can view the description of each
code displayed in the next field
Note Displays the description of the selected note code Read-only
Description
Note Details Enter a brief description of the note you are entering Optional
User This field is disabled but when you save the note, the Id of the -
user adding the note is displayed in the grid below the entry
fields.
Note Date This field is disabled but when you save the note, the date when -
you are adding the note is displayed in the grid below the entry
fields. The date is displayed in the dd/mm/yyyy format.
Reference Enter the date in the dd/mm/yyyy format when you would need Optional
Date to refer to the note. You can also click the Calendar icon to
select the date

Telecalling Log
Date of calling Enter the date in the dd/mm/yyyy format when the applicant Optional
(dd/mm/yyyy) was called. This date cannot be more than the business date.
Time of Enter the time in hh:mm:ss format when the applicant was Optional
calling called
(hh:mm:ss)
Reminder Enter the date in dd/mm/yyyy format when the applicant has Optional
Date asked to be contacted next. This date cannot be less than the
(dd/mm/yyyy) business date.
Reminder Enter the time in hh:mm:ss format when the applicant has Optional
Time asked to be contacted next
(hh:mm:ss)
Reminder Enter a description for the reminder. This is an alphanumeric Optional

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Description field. You can also enter some special characters, such as,
such as *, &, %, $, and @.
Outcome Select the outcome of the call made to the applicant. You can Optional
select Constantly Engaged, Contacted, or No Response as per
the result of the call.

3. Click Add.

The note is saved in the system and its details are displayed in a grid below the entry fields.
When another note is entered for the same Application Id, a new row is added to the grid
below the existing row.

3.2.2 Using Change Stage


The Change Stage link is present on almost all screens of the CAS. It helps you move the
application to the next stage of loan processing. In CAS, you have to forward the application
manually. After an application is moved to the next stage, you cannot add or update any
information.
After you have entered or verified details, as required, for one stage, click the Change Stage link.
If your application is complete in all respects, it is moved to the next stage of the process flow and
the system displays the following message:
Your request for Application No: <appid> has been processed successfully.
If your application is not complete, the system informs you about the missing data and messages
such as these are displayed:
Requested loan amount is zero. Please fill in the same.
Mailing Address is mandatory.
Mandatory documents are not maintained
Constitution is not maintained
During any stage of loan processing, if you find that the details are not adequate or complete, you
can reverse the stage and send the application to a previous stage for the required action or
verification. Only authorized users can reverse the stage of the loan application.

For details on reversing the stage of a loan application, refer Stage Reversal.

3.2.3 Using Calendar


Some of the Date entry fields in CAS are provided with the calendar icon on the right of the text
box. It helps you select the required date and enter it in the required format.

Figure 3-5: The Calendar icon


To select the required date, click the Calendar icon. A calendar for the current month is displayed
in a new window. The current date is in bold red.

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Figure 3-6: The Calendar


To find a previous date, click [ < ] till you reach the required month, and [ << ] till you reach
the required year.
To view a future date, click [ > ] till you reach the required month, and [ >> ] till you reach the
required year.

3.2.4 Searching Data


You can search data for certain fields if you do not have the complete information, or do not want
to fill all the details. This saves keystrokes and time. You can search for the required data in any
of the following ways:
• Using Search Criteria
• Using List of values (LoV)
Search Criteria is used when you want to find the details of one or more particular Application Id.
Give one or more parameters for search and the system displays all the Application Ids matching
with the given criteria.
LoV is used to find a specific value for a field. LoVs are given only for those fields where large
volume is expected in the dropdown lists.

3.2.4.1 Using Search Criteria


This method allows you search for the required option for a field by entering data in one or more
search fields. CAS displays a list of the data that satisfied the search criteria. When you select the
row corresponding to the required data, its details are displayed in the search fields. A search
screen is displayed every time you click a stage on the Main Menu.

Figure 3-7: The Search screen

To use search criteria:

1. On any of the LOS search screen, enter one or more search criteria, as described in the
following table:

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Field Description
App Id Enter the identification number of the application. This is a numeric field
Customer Enter the name of the customer. This is an alphanumeric field. You can also
enter some special characters, such as *, &, %, $, (, ), and @
Signed Enter the date (in dd/mm/yyyy format) when the application was signed. You
(dd/mm/yyyy) can also select the date from the calendar
Product From the dropdown list, select the type of loan applied by the corporate
applicant, such as Working Capital and Treasury. The dropdown list displays
the types of loans, as defined in the Product Master
Phone Enter the phone number where the applicant can be contacted. You can
enter only eight digits.

2. Click Search .

A list of all the records matching the given search criteria is displayed.

You can also click the Search button without entering any search criterion. In that case, a list of all the
records in the system is displayed. Entering a search criteria narrows down the search.

Scroll up and down to find the required data and click the Appl Id link to navigate to the
desired screen.

Figure 3-8: The Search screen (with search results)

Viewing Search Results

When you use one or more search criteria to find the required Application Id, the
matching results are displayed in a grid below the entry fields. The grid consists of a
column for each search criterion.
The results are displayed in the descending order of the Application Ids, with
the latest application displayed at the top. However, you can sort the data in any other order you
want. You can sort the displayed data in the following ways:
• Click on the column heading: This sorts the rows according to that column, and reverses the
order displayed.

• Click on that column heading again to reverse the order of that data.

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When you select any row in the grid, its details are displayed in the entry fields

3.2.4.2 Using LoV


You can search data for certain fields from the pre-defined options. When you click the LoV
button ( ) for a field, the LoV search screen is displayed in a new window.

Figure 3-9: The LoV Search screen (for selecting the NPWP number of the applicant)
Enter the search criterion and click Search. A list of all the matching values in CAS is displayed
on the screen.
The LoV screen displays only those values or options that have been defined in the CAS
Masters. Select the option button for the required option and close the LoV window. The details of
the selected record are displayed in the entry fields on the main screen.

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Figure 3-10: The LoV screen (with various values)
Select the required value by clicking in the corresponding option button, and click Go. The LoV
screen is closed and the selected value is displayed in the specified field on the CAS screen.

If you do not know the search criteria, you can use a wildcard. Enter % in the search field, and click
Search. All the valid values for the fields are displayed.

3.2.5 Adding Multiple Records


In some of the stages, you can add more than one record. When you enter details of the record,
the system adds a row displaying its details in a grid below the entry fields. When you click the
hyperlink of that record in the grid, its details are displayed in the entry fields.

To add multiple records:

1. On the CAS screen, enter details in the entry fields, as required.

Figure 3-11: The Address screen


2. Click Add .

The system saves the details, adds a row to the grid below the entry fields, and displays the
following message:
Data Saved Successfully.

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Figure 3-12: The Address screen (with a record in the grid below entry fields)
You can add more than one record to this grid by repeating Steps 1 and 2.

3.2.6 Modifying a Record


When you click the hyperlink of an existing record in the grid, the details of the record are
displayed in the entry fields. You can modify details of the record, as required.

To modify a record:

1. In the grid, click the hyperlink of the record you want to modify.
The details of the record are displayed in the entry fields above the grid.

Figure 3-13: The Address screen


2. Modify details, as required.
3. Click Update .

The system saves the modified details, and displays the following message:
Data Saved Successfully.

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3.2.7 Deleting a Record


You can delete a record. The Delete button gets enabled only when you mark the checkbox
corresponding to the record you want to delete.

To delete a record:

1. In the grid, mark the checkbox corresponding to the record, which you want to delete.

Figure 3-14: The Address screen


The Delete button gets enabled only when you mark the checkbox corresponding to the
record you want to delete.
2. Click Delete .

The system displays the following message:


Do you want to delete the selected record(s)?
3. Click OK .

The system deletes the record, and displays the following message:
Data Deleted Successfully.

3.2.8 Saving Data


You need to save the data entered in any of the screens before closing the screen. If you close
the screen without saving the data, the changes will be lost. To save a new data, click Save . To
save the modified data, click Update .

3.2.9 Viewing Application History


At any time during the processing stages, you can view the history of the application, like names
of the users who started and completed the previous stages and the dates when these activities
were performed.

To view application history:

1. On any of the data entry screens of an application Id, click the Application History Link.
The Application History screen of the Application Id is displayed.

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Figure 3-15: The Application History screen


The Application History screen displays the application details and a list of activities performed on
the selected application. The system generates these details from the CAS database.

Field Description Remarks

Application ID Displays the identification number of the selected application Read-only


Name Displays the name of the corporate applicant Read-only
Amount Displays the amount for which loan is applied Read-only
Product Displays the product under which loan is applied Read-only
Scheme Displays the name of the scheme, if any, in which loan is applied Read-only
Tenure Displays the number of months for which loan is applied Read-only
Application History
User Displays the name of the user who has performed an activity Read-only
Activity ID Displays the name or Id of the activity performed Read-only
Status Displays the status of the activity performed. The status can be Read-only
Started or Completed
Edit Date Displays the date and time, in dd/mm/yyyy and hh:mm:ss format, Read-only
when the activity was performed
TAT Service Displays the service level TAT for each activity Read-only
Level
Time Difference Displays the time taken to complete an activity. It is displayed only Read-only
in those rows of the activities whose status is complete

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3.2.10 Saving Data


You need to save the data entered in any of the screens before closing the screen. If you close
the screen without saving the data, the changes will be lost. To save a new data, click Add. To
save the modified data, click Modify or Update, as specified.

3.2.11 Printing Data


Besides reports, data can be printed from screens that have the print button on them. For
example, the document collection screen can print documents that have the Document
Verification initiated against them. To print the reports click Print.

3.2.12 Viewing Applications


You can view details of applications in various stages of loan processing.

To view applications:

1. Click on Corporate Æ View.

The list of products is displayed.


2. Select the product related to the application, details of which you want to view.
The list of various stages of loan processing is displayed.

3. Select the stage of processing, related to the application, details of which you want to view.
4. Search the application using the Search screen.
Details of the selected application are displayed.

You cannot make any modification to the application details in this mode.

3.2.13 Viewing Dashboard


The Dashboard displays the number of loan applications under the respective stages of
processing for different loan products. The number displayed on the dashboard for any stage is
the count of applications of the assigned to the logged in user or to the roles of the users. Click
the number to go to the screen for the respective stage.

To view dashboard:

1. Click LOS.
The Dashboard screen is displayed where you can see the number of Auto and Home loan
applications under the respective stages of processing.

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Figure 3-16: The Dashboard screen


The various stages of loan processing are described in the following table.

Processing Abbreviation Description


Stage (for screen name
path)

Deal Initiation DLI Displays the number of loan applications that are in the deal
initiation stage

Bank Statement Displays the number of loan applications that are in the bank
Analysis statement analysis stage

Quick Dedupe DUR Displays the number of loan applications for which Dedupe
Referral Referral needs to be used

Policy Referral Displays the number of loan applications for which Policy
Referral needs to be done

Scoring Referral Displays the number of loan applications for which Scoring
Referral needs to be used

Trade Check Displays the number of loan applications for which trade check
needs to be performed

Trade Check Displays the number of loan applications for which trade check
Review review needs to be performed

Collateral Displays the number of loan applications for which collateral


Appraisal appraisal needs to be initiated.
Initiation

Collateral Displays the number of loan applications for which are in the
Appraisal/ collateral appraisal/ verification stage

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Verification collateral appraisal/ verification stage

Bank Account Displays the number of loan applications that are in the Bank
Checking Account Checking stage

Field Displays the number of loan applications for which are in the
Investigation verification stage
Verification

Field Displays the number of loan applications for which verification


Investigation has been completed
Completion
Credit Review Displays the number of loan applications for which are in the
credit review stage
Credit Approval Displays the number of loan applications for which credit
approval has been given
Letter Generation Displays the number of loan applications for which offer letters
are to be generated
Approved - Displays the number of loan applications that have been
approved
Reject Review - Displays the number of loan applications whose rejection
report is to be reviewed
Post Approval Displays the number of applications, which are in the post
approval stages

2. Click the number in the row for the stage, in which you want to view the applications. The
corresponding screen is displayed.
3. User can search the application and its stage of activity. A list of Application Ids matching the
provided search criteria is displayed.

4. Click the required Application Id to view its details.

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4
Accessing CAS
CAS is a Web-based system. You can access it using the Web
browser Internet Explorer 5 or higher. You need to have a user ID and
password to log in to the system. CAS can be accessed and used only
by the authorised users. Each user is assigned a unique User ID and
Password, by which the system recognises the user. This prevents
unauthorised access to the system.

It is suggested that you log out of the system after performing the
required tasks. The system session times out after a specified period
of inactivity to prevent any misuse. This period is defined while setting
up the system.
To access CAS you need to know about the following processes:
• Logging in to the system
• Logging out of the system (You must log out of the system after
completing your work in order to maintain security.)
• Viewing Home Page components
• Changing password, as and when required (The system required
you to change your password regularly to maintain security.)

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4.1 Logging into CAS


You are required to use the User Id and password to log on to the system each time you need to
access it. CAS uses this Id and password to identify you when you are connecting to the system.
The password-protected User Id is important to ensure security of the data in the system.

To login to CAS:

1. Access Internet Explorer and enter the url specified by the System Administrator.
The CAS Login screen is displayed.

Figure 4-1: The CAS Login screen


2. Select the language you want to use for entering data. Currently, the only option is English.
3. Enter your User Id and Password.

Passwords are case-sensitive.

On providing the correct User Id and Password, the following welcome message is displayed
over the CAS Home Page.
Welcome <User Name>. You Last Logged on: <date and time of the last login by the
user in dd/mm/yyyy hh:mm:yyyy format>

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Figure 4-2: Welcome message over the CAS Home Page

In case you have entered incorrect User Id or password, either of the following messages is
displayed:
Invalid User ID or Password or User ID does not exist
Enter the correct User Id or retype the password.

4. Click OK.

The CAS Home page is displayed.

After you finish using CAS, click the Exit icon ( ). The system logs you out and closes the
browser window.

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4.2 Home Page


When you successfully login to the system, the CAS Home Page is displayed. The Home Page
contains navigations links for other screens of the system. The Home Page is divided into three
sections: Header, Left Navigation Menu and the Main Screen.

Left Navigation Main Screen


Menu Header Display Area

Figure 4-3: The CAS Home Page


These three main components of the CAS Home Page are described below:

1. Header
Header displays the FinnOne CAS Logo and the following information:
• Branch where the use is logged in

• User Id
• Current Date
• Exit icon

The screen name is not displayed on the Home Page.


2. Left Navigation Menu
The left navigation menu is a tree structured menu, which provides access to different sub-
menu options of the system. You can click a menu to expand and display all the sub-menu
options associated with that menu. The tree menu of CAS is depicted in the following figure:

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Figure 4-4: The Tree Menu of CAS


The main options in the tree menu include the following:

• Masters: To enter, modify and view the various masters of the application.
• Retail: To navigate to the Home Page from any of the CAS screens for retail loans, to go
to the required stage of loan processing, to view the list of applications in a particular
stage of loan processing, to generate any of the given list of reports, and to unlock an
application or perform stage reversal.
• Corporate: To navigate to the Home Page from any of the CAS screens for corporate
loans, to go to the required stage of loan processing for any of the product categories
(Trade Finance, Investment Loan, Working Capital Loan, Treasury, and Combo Product)
The Corporate menu option has two sub-menu options, Deal and Tranche. This allows
navigation to any of the loan processing screens of the applications in both these stages.
• Change Password: To change your password at any time
3. Main Screen Display Area
When you click any menu option, the associated screen is displayed in this part of the Home
Page.

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5
Initiating a Deal
Deal initiation is the first stage in the loan processing cycle for
corporate customers. In this stage, banks and financial institutions
collect information related to the applicant and the product for which
the the loan is required. The information gathered from the applicant
includes, personal, contact, and business details and details of the
product for which the applicant wants loan. When you save this
information in the system, it generates an Application Id (also known
as Deal Id) that is unique for this applicant. You can use this Id
whenever you want to access this application.
Banks allow their corporate customers to apply for more than one
product simulaneously. For example, customers can opt for both
Working Capital Loan and Trade Finance. Since, both these
applications are from the same applicant, most of the details, such as
personal, contact, business and financial details remain same for both
the loans. To help save your time and effort, CAS facilitates processing
of these two applications under one Id upto finalization of credit line for
the applciant (deciding what amount of loan is to be given) and
generation of offer letter. After this, the two applications become
independent (with different Tranche Ids), and following pre-disbursal
processes, loan amount is disbursed to the applicant separately for
both loans. To facilitate this process, workflow of loan applications in
CAS is divided in two stages, called as Deal and Tranche.
Deal stage includes flow of application till offer-letter generation stage,
while tranche workflow begins with pre-disbursal processes and ends
with disbursal of the loan amounts separately.
For initiating a deal you need to enter the following details of the
corporate applicant:

• Basic Details

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• Demographic Details
• Details of documents to be collected
• Collateral Details

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5.1 Entering Basic Information


A corporate applicant can request a loan for any of the specified products the bank is offering in
the deal, such as Working Capital Loan and Trade Finance. To add a new application to the
system, you need to enter details in the Deal Entry screen, after which you can enter other
details. You can enter these details while adding the new application, or can do so later, using the
Deal Initiation menu.
LOS also allows you to modify and update information about the corporate applicants. You can
do this using the Deal Initiation menu.

To enter basic information:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
New Deal.
The Deal Entry screen is displayed.

Figure 5-1: The Deal Entry screen


2. To initiate deal for a corporate applicant mark the Corporate checkbox.

LOS also allows you to initiate a deal for individual customers. This is used in case of those corporate
applicants whose turnover is not large, or who want a small loan for starting a new venture. To initiate
deal for individual customers, on the Deal Entry screen, mark the Individual check box.

3. Enter details as described in the following table:

Field Description Remarks

Customer Block
Applicant Name Enter the name of the corporate applicant. You can enter up to Mandatory
100 characters. This is an alphanumeric field. You can also

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enter some special characters, such as *, &, %, $, (, ), and @


Customer Type Displays the type of corporate applicant. The customer type is Read-only
Applicant for new applicants
Existing From the dropdown list, select Yes or No to indicate whether Optional
Customer the corporate applicant is an existing customer of the bank
Existing NPWP From the LoV, select the existing NPWP number, in case the Optional
No. corporate applicant is an existing customer of the bank. This
field is enabled only when you have selected Yes in the
Existing Customer field. NPWP number is the tax identification
number of the corporate applicant
New NPWP No. Enter the NPWP number for the corporate applicant. You can Optional
enter up to 20 characters. This field is enabled only when you
have selected No for the Existing Customer field. NPWP
number is the tax identification number of the corporate
applicant
Last Approval Enter the last approval date, in the specified format, for the Optional
Date loan application. You can also select the date by clicking .
(DD/MM/YYYY)
Relationship with From the dropdown list, select Yes or No to indicate if the Optional
Bank corporate applicant has any earlier relationship with the bank
Relationship From the dropdown list select the type of earlier relationship Optional
Type the corporate applicant has with the bank
Deal Entry
Deal No Displays the unique identification number allotted to the loan Read-only
application. This is generated by the system after you save
details of this screen
Deal Date Displays the date (in the DD/MM/YYYY format) on which the Read-only
deal entry was done
Region From the dropdown list, select the region in which the Mandatory
corporate applicant is located
Deal Type From the dropdown list, select the deal type. The options are: Mandatory
• Back to Back: To indicate that the loan is backed by term
deposit or cash deposit
• Non Back to Back: To indicate that the loan is backed by
any security other than cash
Product From the dropdown list, select the type of loan product applied Mandatory
by the corporate applicant, such as Working Capital and
Treasury. The dropdown list displays the types of loans, as
defined in the Product Master
Requested Displays the amount for which loan application has been Read-only
Amount received
Workflow From the dropdown list, select the scheme for the selected Mandatory
Scheme / Deal loan product

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Scheme
Business From the dropdown list, select the business segment to which Mandatory
Segment the corporate applicant belongs. The options are:
• Commercial
• SME
Sanctioned Displays the amount sanctioned to the corporate applicant. Read-only
Amount This is generated by the system after approval of the loan
application
Sanction Valid Displays the date (in the DD/MM/YYYY format) till which the Read-only
Date sanction will be valid. This is generated by the system after
approval of the loan application
Sanctioned By Displays the name of the user who has sanctioned the loan. Read-only
This is generated by the system after approval of the loan
application
Sanction Memo Displays the sanction memorandum number for the loan Read-only
No. application. This is generated by the system after approval of
the loan application
User Displays the name of the user who has entered the loan Read-only
application
Branch Displays the name of the branch where processing of the loan Read-only
application will be done
Sales Person/ From the LoV, select the name of the sales person or the Mandatory
RO relationship officer for the loan application
Commitment Enter the date, in the specified format, till which the loan will Optional
Date for In be approved in principal. You can also select the date by
Principal clicking .
Approval
(DD/MM/YYYY)
Commitment Enter the date, in the specified format, till which the loan will Optional
Date for Final be finally approved. You can also select the date by clicking
Sanction .
(DD/MM/YYYY)
Commitment Enter the date, in the specified format, till which the loan will Optional
Date for be disbursed
Disbursal
(DD/MM/YYYY)

4. Click Save.

The basic data is saved and Facility Entry section is displayed below the Customer Entry
fields.

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Figure 5-2: The Deal Entry screen (with Facility Entry section)
5. Click the Sub Product link.
The details of the Sub-Product, as entered by you in the Deal Entry screen, are displayed.
6. Enter/modify details of the Facility Entry section, as described in the following table:

Field Description Remarks

Sub Product From the dropdown list, select the sub product for the loan Mandatory
Facility From the dropdown list, select the facility opted by the corporate Mandatory
applicant for the loan
Facility Scheme From the dropdown list, select the scheme for the loan Mandatory
Facility From the dropdown list, select the promotion offer, if any, Mandatory
Promotion applicable for the selected scheme
Currency From the dropdown list, select the currency specified in the loan Mandatory
amount
Amount Enter the amount for which the corporate applicant has applied Mandatory
for a loan. This is a numeric field and you can enter up to 15
digits. You do not need to enter any commas. The system
generates the commas according to the International standard of
counting
Conversion Rate Enter the rate for the conversion of currency specified in the loan Mandatory
amount to the base currency. This is a numeric field and you can

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enter up to five digits


Amount Displays the loan amount in base currency Read-only
Calculated (IDR)
Tenure in Months Enter the tenure in months for which the loan application has Mandatory
been received. This is a numeric field and you can enter up to
three digits. This is the period in which the corporate applicant
has to repay the loan
Project Type From the dropdown list, select the type of project for which loan Optional
application has been received
Project Value Enter the value of the project for which loan application has been Optional
received. This is a numeric field and you can enter up to 15 digits
Facility Type From the dropdown list, select the type of facility for the loan. Mandatory
The options are:
• Cash loan: If the applicant wants loan in the form of cash
• Non Cash loan: If the applicant wants loan in forms other
than cash, such as bank guarantee
Loan Purpose Enter the purpose for which the corporate applicant has applied Mandatory
for a loan

7. Click Proceed.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2 Entering Demographic Details


The demographic details include information about the corporate applicant, such as the address
details, business/financial rating of the corporate, stakeholders’ details, and supplier and buyer
details. You can enter the demographic details of the corporate applicant using the DLI screen. In
case you have filled out some of these details in the Deal Entry screen, these will be displayed
when you open the corresponding application.
The Demographic Details link helps you record the following information of the corporate
applicant:
1. Customer Information
2. Address
3. Business/Financial Rating

4. Corporate Rating
5. Stakeholder Details
6. Existing Facility

7. Supplier and Buyer list

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5.2.1 Entering Applicant’s Details


Banks collect detailed information about corporate applicant that has applied for a loan, before
taking any decision on the loan application. This information relates to both the applicant and the
company the applicant owns. You can add this information using the DLI (Corporate) screen.

To enter applicant details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.

2. Use the search criteria and select the Application Id to which you want to add details, and
click the Application Id link.
The Deal Entry screen is displayed for the selected Application Id, showing details of the
selected Application Id.
3. Click the Demographic tab and the name of the applicant to which you want to add details.
The DLI (Corporate) screen is displayed.

Figure 5-3: The Corporate screen


4. Enter details as described in the following table:

Field Description Remarks

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Prospective Application Information


Customer Displays the type to which the corporate applicant belongs. The Read-only
Type customer type is Applicant for primary applicants
Existing Displays whether the corporate applicant is an existing customer Read-only
Customer of the bank. This information flows from the Deal Entry screen
Existing Displays the existing customer NPWP number, in case the Read-only
Customer corporate applicant is an existing customer of the bank. This
NPWP No. information flows from the Deal Entry screen. NPWP number is
the tax identification number of the corporate applicant
Applicant Displays the name of the corporate applicant. This information Read-only
Name flows from the Deal Entry screen
Customer Din Enter the customer Debtor Identification Number (DIN). This is Optional
an alphanumeric field and you can enter up to 20 characters
Group Name From the dropdown list, select the name of the group to which Optional
the corporate applicant belongs. The dropdown list displays only
those values that are defined in the Group master
Group Din Enter the Debtor Identification Number (DIN) of the group to Optional
which the corporate applicant belongs. You can enter up to 20
characters
Region Displays the region where the corporate applicant is located. Read-only
This information flows from the Deal Entry screen
New Customer Displays the new customer NPWP number, in case the corporate Read-only
NPWP No applicant is a new customer. This information flows from the Deal
Entry screen. NPWP number is the tax identification number of
the corporate applicant
Constitution From the dropdown list, select the appropriate option to indicate Mandatory
the category to which the business of the applicant belongs,
such as Private, Public Enterprise. The dropdown list displays
only those values that are defined in the Constitution master
BI Constitution From the dropdown list, select the corporate qualifier for the Mandatory
applicant, such as Ltd. The dropdown list displays only those
values that are defined in the BI Constitution master
Business From the dropdown list, select the business segment with which Mandatory
Sector the corporate applicant is associated. The dropdown list displays
only those values that are defined in the Business Sector master
Industry From the dropdown list, select the type of industry with which the Mandatory
corporate applicant is associated. The dropdown list displays
only those values that are defined in the Industry master
Sub Industry From the dropdown list, select the sub-industry type with which Mandatory
the corporate applicant is associated. The dropdown list displays
only those values that are mapped for the Industry selected by
you
CSC Type From the dropdown list, select the customer selection criteria to Optional

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which the applicant belongs. A customer selection criterion


defines the sector in which the applicant operates (such as
manufacturing, services, trading) as well as the volume of trade.
The dropdown list displays only those options that are defined in
the CSC Type master
Nature of Enter the nature of business of the corporate applicant. This is Mandatory
Business an alphanumeric field. You can enter up to 60 characters,
including some special characters, such as @, #, and %
LOB From the dropdown list, select the line of business (LOB) of the Mandatory
corporate applicant, such as Commercial Agri Business and
Commercial Non-agri Business. The dropdown list displays only
those options that are defined in the LOB master
TDP No. Enter the Tanda Daftar Perusahaan (TDP) number of the Optional
corporate applicant. This is the company registration number of
the applicant. You can enter up to 30 characters
TDP Expiry Enter the date (in the specified format )on which the company Optional
Date registration number of the corporate applicant will expire
(dd/mm/yyyy)
SIUP No. Enter the trading license (SIUP) number of the corporate Optional
applicant. You can enter up to 30 characters
SIUP Expiry Enter the date (in the specified format )on which the trading Optional
Date license number of the corporate applicant will expire
(dd/mm/yyyy)
Latest Article Enter the latest article of association number of the corporate Optional
of Association applicant. You can enter up to 30 characters
No
Latest Article Enter the date (in the specified format ) on which the latest article Optional
of Association of association number of the corporate applicant was
Date incorporated
(dd/mm/yyyy)
Deed of Enter the deed of establishment number of the corporate Optional
Establishment applicant. You can enter up to 30 characters
No
Deed of Enter the date (in the specified format ) when the deed of Optional
Establishment establishment of the corporate applicant was incorporated
Date
(dd/mm/yyyy)
Years in Enter the time period in years (Yr.) and months (Mth.) the Mandatory
Business corporate applicant has been in the specified business. This is a
numeric field and you can enter up to two digits in each field
Contact Enter the name of the contact person for the applicant in the Optional
Person company. This is the person whom the verifying agencies will
contact for getting details about the applicant. This is an
alphanumeric field. You can also enter some special characters,

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such as *, &, %, $, (, ), and @


Position/Title From the dropdown list, select the position or title of the contact Optional
person in the company. The dropdown list displays only those
positions and titles that have been defined in the master
Turnover Enter the total money value of all transactions executed by the Mandatory
corporate applicant in one year. This is a numeric field and you
can enter up to 15 digits
Monthly Displays the monthly sales of the corporate applicant to its Read-only
Customer customers.
Sales
Monthly Enter the monthly purchase of the corporate applicant from its Mandatory
Customer customers. This is a numeric field and you can enter up to 15
Purchase digits
Management Enter the management experience of the corporate applicant in Mandatory
Experience years (Yr.) and months (Mth.). This is a numeric field and you
can enter up to three and two digits respectively in each field.
Central Bank Displays the rating of the central bank on the performance of the Read-only
Performance corporate applicant
Blanket Displays whether the corporate applicant has opted for a blanket Read-only
Guarantee guarantee
Relationship Select Yes or No to indicate whether the corporate applicant has Mandatory
With Bank any prior relationship with the bank. This indicates if the
applicant has taken any loan from the bank earlier
Type of From the dropdown list, select the type of relationship the Mandatory
Relationship corporate applicant has with the bank. This field is enabled only
when you have selected Yes in the Relationship With Bank field.
The dropdown list displays only those options that have been
defined in the masters

5. Click Update.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2.2 Entering Address Details


Address details of the corporate applicant is required for contacting the applicant. It is also used
by the bank for verifying details of the applicant. CAS helps you enter details of different types of
addresses of the corporate applicant, such as the residence address, collateral address, office or
business address. You can add the address details using the Address link on the Corporate
screen.

To enter address details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.

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The Deal Initiation search screen is displayed.


2. Use the search criteria and select the application Id to which you want to add address details,
and click the Application Id link.

The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.
3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.
4. Click the Address link.
The Address Details screen is displayed.

Figure 5-4: The Address details screen


5. Enter details as described in the following table:

Field Description Remarks

Address Type From the dropdown list, select the type of address you want to Mandatory
enter for the applicant, such as Residence Address,
Office/Business Address. The dropdown list displays addresses
that are defined in the masters
Property Type From the dropdown list, select the type of the property Optional
corresponding to the address type you have selected. For
example, if the address type is Residence Address, select
appropriate option to indicate if the residence is owned by the
applicant or is rented. The dropdown lists displays options that
are defined in the Property Type master
Address One Enter the first line of address of the corporate applicant. This is Mandatory
an alphanumeric field and you can enter up to 60 characters.
You can also enter some special characters, such as *, &, %, $,
(, ), and @
Address Two Enter the second line of address of the corporate applicant. This Optional

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is an alphanumeric field and you can enter up to 60 characters.


You can also enter some special characters, such as *, &, %, $,
(, ), and @
Address Three Enter the third line of address of the corporate applicant. This is Optional
an alphanumeric field and you can enter up to 60 characters.
You can also enter some special characters, such as *, &, %, $,
(, ), and @
Village Enter the name of the village where the corporate applicant is Optional
located. This is an extension of the address of the corporate
applicant. You can enter up to 50 characters
Country From the dropdown list, select the country where the corporate Mandatory
applicant is located. The dropdown list displays only those
countries that are defined in the Country Master. This is an
extension of the corporate applicant’s address
State From the dropdown list, select the state where the corporate Mandatory
applicant is located. The dropdown list displays names of only
those States that are defined in the State Master and mapped to
the selected country. The system uses this information to display
the names of the cities in the selected State. This is an extension
of the corporate applicant’s address
City From the LoV, select the name of the city, where the corporate Optional
applicant is located. The LoV displays names of only those cities
that are defined in the City Master and are mapped to the
selected State. This is an extension of the corporate applicant’s
address
District From the LoV, select the name of the district, where the Optional
corporate applicant is located. The LoV displays names of only
those districts that are defined in the District Master and are
mapped to the selected State. This is an extension of the
corporate applicant’s address
Zip Code From the LoV, select the postal code of the area where the Optional
corporate applicant is located. The LoV displays only those Zip
Codes that are defined in the Zip Code Master and are mapped
to the selected city. This is an extension of the corporate
applicant’s address
Area Code Enter the area code of the city, where the company is located. Mandatory
This is a numeric field and you can enter up to five digits
Phone 1 Enter the landline phone number of the contact person in the Mandatory
company. This is a numeric field and you can enter up to 10
digits
Extension Enter the extension number of the contact person in the Optional
company. This is a numeric field and you can enter up to five
digits
Phone 2 Enter the alternate landline phone number of the contact person Optional

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in the company. This is a numeric field and you can enter up to


10 digits
Mobile Enter the cell phone number of the contact person in the Optional
company. This is a numeric field and you can enter up to 15
digits
Email Enter the e-mail address of the contact person in the company. Optional
Fax Enter the fax number of the contact person in the company. This Optional
is a numeric field and you can enter up to 10 digits
Mobile 2 Enter the alternate cell phone number of the contact person in Optional
the company. This is a numeric field and you can enter up to 15
digits
Landmark Enter the landmark near the address of the company. This is an Optional
extension of the address of the corporate applicant. You can
enter up to 60 characters
Years at Enter years (Yr.) and month (Mth.) for which the company has Optional
current been located at the mentioned address. This is a numeric field
Address and you can enter up to two digits in each field
Mailing Select Yes or No to indicate whether the address is the mailing Optional
Address address of the company
Years at City Enter years (Yr.) and month (Mth.) for which the company has Optional
been located in the selected city. This is a numeric field and you
can enter up to two digits in each field

6. Click Add.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2.3 Entering Business/Financial Information


The business and financial details of the applicant include information about the kind of business
the corporate applicant is involved in and the strength of the company. This information helps
banks evaluate whether the applicant will able to repay the amount taken as loan or not.
Using the Corporate screen, you can enter business or financial information of the company that
has applied for a loan.

To enter business information details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.
2. Use the search criteria and select the application Id to which you want to add business and
financial information, and click the Application Id link.
The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.

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3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.
4. Click the Business Information link.
The Business Information screen is displayed.

Figure 5-5: The Business Information screen


5. In the Company Business text box, enter details of the business the company is involved in
and click Save.

You can enter a maximum of 3500 characters in this text box.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2.4 Entering Corporate Rating Details


To judge if the corporate applicant will be able to repay the loan amount in time, the bank needs
to know how standard rating agencies rate the company. You can enter these ratings using the
Corporate Rating screen.

To enter corporate rating details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.
2. Use the search criteria and select the application Id to which you want to add corporate rating
details, and click the Application Id link.
The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.

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3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.
4. Click the Corporate Rating link.
The Corporate Rating screen is displayed.

Figure 5-6: The Corporate Rating screen


5. Enter details as described in the following table:

Field Description Remarks

Name of Rater Enter the name of the person or agency who has rated the Optional
corporate applicant. You can enter up to 50 characters. This is
an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Value Enter the rating given by the person or agency to the corporate Optional
applicant. You can enter up to 20 characters
Date Enter the date, in the specified format, on which the rating was Optional
(dd/mm/yyyy) recorded
Remarks Enter remarks, if any. You can enter up to 60 characters Optional

6. Click Add.

The system saves the details and displays it below the entry fields.

To delete any of the ratings assigned to the corporate applicant, mark the corresponding checkbox
and click Delete.

5.2.5 Entering Stakeholder Details


You can enter details of the stakeholders of the company from which loan application has been
received. This information helps the bank judge the credibility of the corporate applicant.
Using the Stakeholders/Directors screen, you can enter details of the stakeholders, such as name
of the stakeholder, date of birth, percentage of stake, and the total experience of the stakeholder.

To enter stakeholder details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.

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2. Use the search criteria and select the Application Id to which you want to add stakeholders
details, and click the Application Id link.
The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.
3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.
4. Click the Stakeholder Detail link.
The Stakeholder/Director Detail screen is displayed.

Figure 5-7: The Stakeholder/Director Detail screen


5. Enter details as described in the following table:

Field Description Remarks

Directors / Stakeholders
Position / Title From the dropdown list, select the position or the title of the Mandatory
stakeholder, such as Partner, and shareholder. The dropdown
displays titles or positions that are defined in the masters
Contact Type From the dropdown list, select the type of contact details, such Optional
as residential or official, you are entering for the director or the
shareholder. The dropdown list displays contact types that are
defined in the masters

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Company Enter the name of the company. This is an alphanumeric field. Optional
Name You can also enter some special characters, such as, such as *,
&, %, $, and @.
First Name Enter the first name of the stakeholder. This is an alphanumeric Mandatory
field. You can also enter some special characters, such as *, &,
%, $, and @.
Middle Name Enter the middle name of the stakeholder. This is an Optional
alphanumeric field. You can also enter some special characters,
such as *, &, %, $, and @.
Last Name Enter the last name of the stakeholder. This is an alphanumeric Optional
field. You can also enter some special characters, such as *, &,
%, $, and @.
Date of Birth/ Enter the date of birth of the stakeholder in the specified format. Mandatory
Date of This is a numeric field. You can also select the date by using the
Incorporation Calendar icon
(dd/mm/yyyy)
Joined Since Enter the year, in the specified format, when the stakeholder Mandatory
(yyyy) joined the company
Total Enter the total experience of the stakeholder. This is a numeric Mandatory
Experience field
Stake Enter the percentage of the stake the stakeholder has in the Mandatory
Percentage company. This is a numeric field
ID Number Enter the unique identification number of the stakeholder Mandatory
ID Type From the dropdown list, select the type of identification the Mandatory
stakeholder has. The dropdown list displays ID types defined in
the masters
NPWP Enter the Nomor Pendaftaran Wajib Pajak (NPWP) number of Optional
Number the stakeholder. This is the tax identification number of the
stakeholder
Consider for From the dropdown list select Yes or No to indicate whether the Mandatory
Grading information of stakeholder is to be considered for grading the
corporate applicant
DIN No. Enter the Debtor Identification Number (DIN) of the stakeholder Optional
Gender From the dropdown list, select the gender of the stakeholder Mandatory
Related Interests
Name of Enter the name of the company (other than the corporate Mandatory
Company applicant) where the stakeholder has related interests or
investments. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Stake / Enter the stake or the designation of the stakeholder in the Mandatory
Position company
Phone No Enter the telephone number of the stakeholder. This is a numeric Mandatory

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field and you can enter up to 15 digits


Address Details
Address Type From the dropdown list, select the type of address you want to Mandatory
enter for the stakeholder, such as Residence Address,
Office/Business Address. The dropdown list displays addresses
that are defined in the masters
Property Type From the dropdown list, select the type of the property Optional
corresponding to the address type you have selected. For
example, if the address type is Residence Address, select
appropriate option to indicate if the residence is owned by the
stakeholder or is rented. The dropdown lists displays options that
are defined in the Property Type master
Address One Enter the first line of address of the stakeholder. This is an Mandatory
alphanumeric field and you can enter up to 60 characters. You
can also enter some special characters, such as *, &, %, $, (, ),
and @
Address Two Enter the second line of address of the stakeholder. This is an Optional
alphanumeric field and you can enter up to 60 characters. You
can also enter some special characters, such as *, &, %, $, (, ),
and @
Address Three Enter the third line of address of the stakeholder. This is an Optional
alphanumeric field and you can enter up to 60 characters. You
can also enter some special characters, such as *, &, %, $, (, ),
and @
Village Enter the name of the village where the stakeholder lives. This is Optional
an extension of the address of the stakeholder. You can enter up
to 50 characters
Country From the dropdown list, select the country to where the Mandatory
stakeholder lives. The list displays only those countries that are
defined in the Country Master. This is an extension of the
stakeholder’s address
State From the dropdown list, select the name of the state where the Mandatory
stakeholder lives. The dropdown list displays names of only
those states which are defined in the State Master and mapped
to the selected country. The system uses this information to
display the names of the cities in the selected State. This is an
extension of the stakeholder’s address
City From the LoV, select the name of the city, where the stakeholder Optional
lives. The LoV displays names of only those cities that are
defined in the City Master and are mapped to the selected State.
This is an extension of the stakeholder’s address
District From the LoV, select the name of the district, where the Optional
stakeholder lives. The LoV displays names of only those districts
that are defined in the District Master and are mapped to the

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selected State. This is an extension of the stakeholder’s address


Zip Code From the LoV select the postal code of the area where the Optional
stakeholder lives. The LoV displays only those Zip Codes that
are defined in the Zip Code Master and are mapped to the
selected city. This is an extension of the stakeholder’s address
Area Code Enter the area code of the city, where the stakeholder lives. This Mandatory
is a numeric field and you can enter up to five digits
Phone 1 Enter the landline phone number of the stakeholder. This is a Mandatory
numeric field and you can enter up to 10 digits
Extension Enter the extension number of the stakeholder’s landline phone Optional
number, if applicable. This is a numeric field and you can enter
up to five digits
Phone 2 Enter the alternate landline phone number of the stakeholder. Optional
This is a numeric field and you can enter up to 10 digits.
Mobile Enter the cell phone number of the stakeholder. This is a Optional
numeric field and you can enter up to 15 digits
Email Enter the e-mail address of the stakeholder Optional
Fax Enter the fax number of the stakeholder. This is a numeric field Optional
and you can enter up to 10 digits
Mobile 2 Enter the alternate cell phone number of the stakeholder. This is Optional
a numeric field and you can enter up to 15 digits
Landmark Enter the landmark, if any, near the address of the stakeholder. Optional
This is an extension of the address of the stakeholder. You can
enter up to 60 characters
Years at Enter years (Yr.) and month (Mth.) for which the stakeholder has Optional
Current been residing at the mentioned address. This is a numeric field
Address and you can enter up to two digits in each field
Mailing Select Yes or No to indicate whether the address is the mailing Optional
Address address of the stakeholder
Years at City Enter the time period in years (Yr.) and months (Mth.) for which Optional
the stakeholder has been residing in the selected city. This is a
numeric field and you can enter up to two digits in each field

6. Click Add.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2.6 Entering Existing Facility Details


The bank also keeps a record of the existing facilities that the corporate applicant is availing. You
can enter this information using the Existing Facility screen.

To enter existing facility details:

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1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.

2. Use the search criteria and select the Application Id to which you want to add corporate rating
details, and click the Application Id link.
The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.
3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.

4. Click the Existing Facility link.


The Existing Facility screen is displayed.

Figure 5-8: The Existing Facility screen


5. Enter details as described in the following table:

Field Description Remarks

Company & BI Information


Name Displays the name of the company. This information flows from Read-only
the Deal Entry screen
NPWP (Tax Displays the NPWP of the company. This is the tax identification Read-only
No.) number of the company. This information flows from the Deal
Entry screen

Customer Liability
Financier Enter the name of the financier from which the corporate Mandatory
Name applicant has an existing loan arrangement. This is an
alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @

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Type of Loan From the dropdown list, select the type of loan product being Optional
(Product) availed by the corporate applicant, such as Working Capital and
Treasury. The dropdown list displays the types of loans, as
defined in the Product Master
Loan Amount Enter the loan amount taken by the corporate applicant. This is a Mandatory
numeric field and you can enter up to 15 digits
EMI Amount Enter the equated monthly instalment paid by the corporate Optional
applicant on the existing loan arrangement. This is a numeric
field and you can enter up to 15 digits
Currency From the dropdown list, select the currency in which the Mandatory
corporate applicant has taken the loan. The dropdown list
displays names of currencies defined in the Currency Master
# of EMI’s Enter the total number of equated monthly instalments for the Optional
existing loan of the corporate applicant. This is a numeric field
and you can enter up to 15 digits
# of EMI’s for Enter the number of EMIs that are yet to be paid by the Optional
Obligation corporate applicant for the existing loan. This is a numeric field
and you can enter up to 15 digits
# of EMI’s Paid Enter the number of EMI’s that have been paid by the corporate Optional
applicant for the existing loan. This is a numeric field and you
can enter up to 15 digits
Balance Enter the period (in months), which is left for the repayment of Optional
Tenure the loan taken by the corporate applicant. This is a numeric field
and you can enter up to three digits
# of Bounces Enter the number of times the cheque given by the corporate Optional
applicant that bounced. This is a numeric field and you can enter
up to three digits
Collateral Mark the check box if the corporate applicant has given any Optional
collateral for the existing loan
Principal Enter the outstanding principal amount for the existing loan. This Optional
Outstanding is a numeric field and you can enter up to 15 digits
Obligations to Enter the amount that is to be deducted from the corporate Optional
be Deducted customer’s income figure for the loan that is being availed by it.
This is a numeric field and you can enter up to 15 digits
Collateral Enter a brief description of collaterals submitted by the company Optional
Description for the existing loan. You can enter up to 200 characters
Loan Closure Enter the date, in the specified format when the loan repayment Optional
Date of the corporate applicant will be complete
(dd/mm/yyyy)
Collectibility From the dropdown list, select appropriate option to indicate the Optional
quality or ease of collecting instalments from the corporate
applicant. The options are:
• Current: To indicate that the process of repayment is still

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going on
• Special Mention: To indicate that the repayment process is
very smooth and needs special mention
• Sub Standard: To indicate that loan repayment is sub-
standard
• Doubtful: To indicate that loan repayment seems doubtful
• Lost: To indicate that the case is lost

6. Click Add.

The system saves the details and displays the following message:
Data Saved Successfully.

5.2.7 Entering Supplier and Buyer Details


When a corporate applicant seeks loan, the applicant needs to provide information to the bank
about the companies, which are doing business with it. Banks use this information to verify the
credentials of the company from which loan application has been received. Using the Supplier &
Buyer List screen, you can enter details of the buyers and suppliers dealing with the company.

To enter supplier and buyer details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.
2. Use the search criteria and select the Application Id to which you want to add corporate rating
details, and click the Application Id link.
The DLI screen is displayed for the selected Application Id, showing details of the selected
Application Id.

3. Click the Demographic tab and the name of the applicant to which you want to add details.
The Corporate screen is displayed.
4. Click the Supplier & Buyer List link.
The Supplier & Buyer List screen is displayed.

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Figure 5-9: The Supplier & Buyer List screen


5. Enter details as described in the following table:

Field Description Remarks

Customer
Monthly Displays the monthly sales of the corporate applicant. The Read-only
Customer Sales information flows from the DLI (Corporate) screen
Monthly Displays the monthly purchases of the corporate applicant. Read-only
Customer The information flows from the DLI (Corporate) screen
Purchase
Supplier / Buyer Details
Party Name Enter the name of the buyer or seller dealing with the Mandatory
corporate applicant. This is an alphanumeric field and you can
enter up to 20 characters. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Party Type From the dropdown list, select appropriate option to indicate if Mandatory
the party is a buyer or a seller of the corporate applicant
Product Type Enter the type of product the buyer or seller deals in. You can Mandatory
enter up to 20 characters
Contact Person Enter the name of the person who is to be contacted for Mandatory
verifying details of buyers or sellers of the corporate applicant.
You can enter up to 20 characters. This is an alphanumeric
field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Contact Person Enter the designation of the contact person. You can enter up Optional

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Designation to 20 characters
Relationship From the dropdown list, select the relationship level, such Optional
Level as…. that the supplier or buyer has with the corporate
applicant. The dropdown list displays options that are defined
in the masters
Average Monthly Enter the average monthly sales or purchases of the corporate Mandatory
Sales / Average applicant with the supplier/ buyer. This is a numeric field and
Monthly you can enter up to 15 digits
Purchase
Terms of Enter the terms of payment agreed upon by the corporate Mandatory
Payment (In applicant and its buyer or supplier. In case of buyers, it is the
days) number of days in which payment is made to the corporate
applicant for all purchases. While for suppliers it is the number
of days in which the corporate applicant makes payment for all
purchases.
This is a numeric field and you can enter up to three digits
Length of Enter the time period, in years, of the relationship the supplier Mandatory
Relationship (yrs) or buyer has with the corporate applicant. This is a numeric
field and you can enter up to two digits
Address of Party
Address Type From the dropdown list, select the type of address you want to Mandatory
enter for the buyer/supplier, such as Residence Address,
Office/Business Address. The dropdown list displays
addresses that are defined in the masters
Property Type From the dropdown list, select the type of the property Optional
corresponding to the address type you have selected. For
example, if the address type is Residence Address, select
appropriate option to indicate if the residence is owned by the
applicant or is rented. The dropdown lists displays options that
are defined in the Property Type master
Address One Enter the first line of address of the supplier or buyer. This is Mandatory
an alphanumeric field and you can enter up to 60 characters.
You can also enter some special characters, such as *, &, %,
$, (, ), and @
Address Two Enter the second line of address of the supplier or buyer. This Optional
is an alphanumeric field and you can enter up to 60
characters. You can also enter some special characters, such
as *, &, %, $, (, ), and @
Address Three Enter the third line of address of the supplier or buyer. This is Optional
an alphanumeric field and you can enter up to 60 characters.
You can also enter some special characters, such as *, &, %,
$, (, ), and @

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Village Enter the name of the village where the supplier or buyer is Optional
located. This is an extension of the address of the stakeholder.
You can enter up to 50 characters. This is an alphanumeric
field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Country From the dropdown list, select the country where the supplier Mandatory
or buyer is located. The dropdown list displays only those
countries that are defined in the Country Master. This is an
extension of the buyer/suppliers’ address
State From the dropdown list, select the name of the state where the Mandatory
supplier or buyer is located. The dropdown list displays names
of only those States that are defined in the State Master and
mapped to the selected country. The system uses this
information to display the names of the cities in the selected
State. This is an extension of the supplier/ buyer’s address
City From the LoV, select the name of the city, where the supplier Optional
or buyer is located. The LoV displays names of only those
cities that are defined in the City Master and are mapped to
the selected State. This is an extension of the supplier/ buyer’s
address
District From the LoV, select the name of the district, where the Optional
supplier or buyer is located. The LoV displays names of only
those districts that are defined in the District Master and are
mapped to the selected State. This is an extension of the
supplier/ buyer’s address
Zip Code From the LoV , select the postal code of the area in which Optional
supplier or buyer is located. The LoV displays only those Zip
Codes that are defined in the Zip Code Master and are
mapped to the selected city. This is an extension of the
supplier/ buyer’s address
Area Code Enter the area code of the city, where the supplier or buyer is Optional
located. This is a numeric field and you can enter up to five
digits
Phone 1 Enter the landline phone number of the supplier or buyer. This Mandatory
is a numeric field and you can enter up to 10 digits
Extension Enter the extension number of the supplier’s or buyer’s Optional
landline phone number, if applicable. This is a numeric field
and you can enter up to five digits
Phone 2 Enter the alternate landline phone number of the supplier or Optional
buyer. This is a numeric field and you can enter up to 10 digits
Mobile Enter the cell phone number of the supplier or buyer. This is a Optional
numeric field and you can enter up to 15 digits
Email Enter the e-mail address of the supplier or buyer Optional

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Fax Enter the fax number of the supplier or buyer. This is a Optional
numeric field and you can enter up to 10 digits
Mobile 2 Enter the alternate cell phone number of the supplier/ buyer. Optional
This is a numeric field and you can enter up to 15 digits
Landmark Enter a brief description of the landmark near the address of Optional
the supplier or buyer. This is an extension of the address of
the buyer/supplier. You can enter up to 60 characters
Years at current Enter years (Yr.) and month (Mth.) for which the supplier or Optional
Address buyer has been located at the mentioned address
Mailing Address Select Yes or No to indicate whether the address is the Optional
mailing address of the supplier or buyer
Years at City Enter years (Yr.) and month (Mth.) for which the supplier or Optional
buyer has been residing in the selected city

6. Click Add.

The system saves the details and displays the following message:
Data Saved Successfully.

5.3 Maintaining Details of Documents


Document collection is an integral part of any loan disbursal process. The huge sum of money
involved entails that the bank is aware of the corporate applicant’s standing in terms of all criteria
it considers important. You can enter details of all documents that you need to collect from the
applicant using the Document Collections screen. You can specify which of these documents are
mandatory for initiating the process of loan disbursal and which are optional. Mandatory
documents are primary documents without which a loan application cannot move forward to the
next stage. Non-mandatory documents are secondary documents without which a loan
application can move forward. However, you need to enter a target date for collecting these
documents or waive or defer these.
Documents are collected from the applicant in two stages. Some documents, such as bank
statements and papers related to collaterals are collected before loan approval, while others,
such as property registration details are collected after the loan is sanctioned.

5.3.1 Making a List of Documents to be Collected


You can make a list of all the post-sanction documents required by the applicant by using the
Document Collection screen. If the applicant submits the document at the same time, then the
status of the document is marked as completed, otherwise it is marked as pending and an
appointment date is fixed till when the applicant can submit the document.

To make a list of documents to be collected:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.

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2. Use the search criteria and select the application Id to which you want to add corporate rating
details, and click the Application Id link.
The Deal Entry screen is displayed for the selected Application Id, showing details of the
selected Application Id.
3. Click the Document Collection tab.
The Document Collections screen is displayed.

Figure 5-10: The Document Collections screen


The upper portion of the screen displays the list of documents that are to be collected while
the lower portion has fields that can be used to enter details of a new document required from
the applicant.
4. To add a new document to the system, enter details in the lower portion of the screen, as
described below:

Field Description Remarks

Document From the dropdown list, select the document that you want to Mandatory
be collected from the applicant. The dropdown list displays
documents maintained in the Document Master and Document
Header Master
Original Mark the checkbox, if the selected document is required in Optional
original
Status status of the required document. The options are: Mandatory
• Completed: If the document has been received by the
bank and is complete in all respects. For some document
types, there are more than one certificate that the bank may
use, and the applicant can submit one of these. In such
cases, the Child Document Collection pop-up window is
displayed, showing a list of all the required certificates.
Enter details for the one that the applicant has submitted.
• Incomplete: If the document is required, but is not
submitted by the applicant

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These options are maintained in the Generic Parameter


Master
Received Date Enter the date, in the specified format, when the document Mandatory
DD/MM/YYYY was received.
Reason From the dropdown list, select the reason why the document is
required. The options are:
• Missing
• Not having doc.
• In process
• Not willing to submit
These options are maintained in the Generic Parameter
Master
Validity Date Enter the date, in the specified format, till when the document Optional
DD/MM/YYYY is valid
Remarks Enter your remarks. This is an alphanumeric field. You can Optional
also enter some special characters, such as *, &, %, $, (, ),
and @.
RIC Reqd. Mark the checkbox if RIC is required. The RIC Initiation Optional
Memo screen is displayed. Enter details, as described below:
• RIC Date: Enter the date (in dd/mm/yyyy format) when the
RIC verification was done
• RIC Name: From the dropdown list, select the name of the
agency that did the RIC verification
• Status: From the dropdown list, select the result of this
verification, such as Positive, Negative, Can Not be
Verified, Not Initiated, and Sent For Verification
• Remarks: Enter additional remarks, if any
Click Save and Close .

5. Click Add .

The system displays the name of the document to the list of documents to be collected in the
Document Collection section. You can add more than one document to this list. For this,
repeat Steps 3 and 4.
6. Click Save .

The system saves details of the documents and removes the documents you have added in
the list from the Document dropdown list.

5.3.2 Entering Details of Documents


After the list of document is made, you can enter details of each document, as and when
required.

To enter details of documents:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.

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The Deal Initiation search screen is displayed.


2. Use the search criteria and select the application Id to which you want to add corporate rating
details, and click the Application Id link.

The Deal Entry screen is displayed for the selected Application Id, showing details of the
selected Application Id.
3. Click the Document Collection tab.
The Document Collections screen is displayed.

Figure 5-11: The Document Collections screen


4. The upper portion of the screen displays the list of documents that are to be collected from
the applicant. Enter details for these documents described in the following table.

Field Description Remarks

Document Collection
Document Mark the checkbox to indicate that the document is required to Mandatory
be submitted by the corporate applicant.
Mandatory Displays if collection of the document is mandatory Read-only
Status Displays the collection status of the document. You can Optional
change this status, as required. To change the status, select
one of the following options from the dropdown list. The
options are:
• Received: To indicate that the documents have been
received
• Deferred: To indicate that collection of the documents have
been postponed
• Incomplete: To indicate that the documents are incomplete
• Pending: To indicate that the documents have not been
received
• Waived: To indicate that collection of the documents have
been waived off

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These options are defined in the Generic Parameter Master.


Select the status of the document
Received Date Enter the date (in the dd/mm/yyyyy format) when the Optional
documents were received
Target date Enter the date (in dd/mm/yyyy format) till when the applicant Optional
will submit the document
Validity Date Enter the date (in dd/mm/yyyy format) till when the document Optional
submitted by the applicant is valid
Reason From the dropdown list, select the reason for document Optional
requirement. The options are:
• Missing
• Not having doc.
• In process
• Not willing to submit
These reasons are defined in the Generic Parameter Master
Remarks Enter your remarks. This is an alphanumeric field. You can Optional
also enter some special characters, such as *, &, %, $, (, ),
and @.
RIC Status This field is disabled. It will get enabled and display the status You can
of the Risk Intelligence Containment verification after you enter change the
the status in the RIC Initiation Memo screen, which is RIC status
displayed when you mark the RIC Reqd. checkbox later on after the field
this screen. gets enabled
Original Mark the checkbox, if the selected document is required in Read-only
original
RIC Reqd. Mark the checkbox if Risk Intelligence Containment Optional
verification is required for the application. The RIC Initiation
Memo screen is displayed. Enter details, as described below:
• RIC Date: Enter the date (in dd/mm/yyyy format) when the
RIC verification is to be done
• RIC Name: From the dropdown list, select the name of the
agency to which you want to assign the RIC verification for
the application
• Status: From the dropdown list, select the status of the
verification, such as Positive, Negative, Can Not be
Verified, Not Initiated, and Sent For Verification
• Remarks: Enter additional remarks, if any
Click Save and Close . The RIC Status field on the
Document Collections screen gets enabled and displays the
selected status of RIC.

5. Click Save to save the requirement details of the selected document.

The system saves the records and shows it as a grid above the entry fields. To enter details
for more than one document, repeat steps 3 and 4. The system adds a new row for each
document.

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If a document has not been received, the grid acts like a checklist to ensure that all the required
documents are received before the loan is disbursed.

You can print the list of documents collected or to be collected from the applicant by clicking
Print .

5.4 Maintaining Collateral Details


All secured loans are backed by collaterals provided by the applicant. You can enter details of the
collaterals using the Collateral Detail screen. If a corporate applicant has applied for more than one
loan the collaterals submitted by the applicant is linked to all loans. CAS does not allow you to
link collaterals to individual loans (or facilities).
The applicant can submit following types of collaterals:

• Inventory
• Vehicle
• SBLC
• Land and Building
• Machine
• Time Deposit
• Account Receivable
• Other

Collateral details need to be added only when an additional security is added to the loan.

5.4.1 Adding the Type of Collateral


CAS helps you maintain details of all collateral given by the applicant. However, you can do this
in two steps. First you need to add the type of collateral submitted by the applicant, which gets
listed in the Collateral Detail screen. After that you can enter information, such as insurance
details, address and specific details of the collateral using the links displayed on the screen.

To add collateral type:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Deal Initiation.
The Deal Initiation search screen is displayed.
2. Use the search criteria and select the application Id to which you want to add corporate rating
details, and click the Application Id link.
The Deal Entry screen is displayed for the selected Application Id, showing details of the
selected Application Id.
3. Click the Collateral tab.
The Collateral Detail screen is displayed.

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Figure 5-12: The Collateral Detail screen


4. Enter details as described in the following table:

Field Description Remarks

Collateral Type From the dropdown list, select the type of collateral submitted Mandatory
by the company. The options are:
• Inventory
• Vehicle
• SBLC
• Land and Building
• Machine
• Time Deposit
• Other
• Account Receivable
Collateral Enter a brief description of the collateral submitted by the Mandatory
Description company. You can enter up to 50 characters
LLP Deduction From the dropdown list, select Yes or No to indicate the LLP Optional
Factor Deduction Factor
Collateral Cross From the dropdown list, select Yes or No to indicate whether Optional
the company has given any cross collateral
Contact Person Enter the name of the contact person for verifying details of Mandatory
Name the collateral submitted by the company. You can enter up to
30 characters. This is an alphanumeric field. You can also
enter some special characters, such as *, &, %, $, (, ), and @
Contact Person Enter the phone number of the contact person for verifying Mandatory
Phone Number details of the collateral submitted by the company
Other Detail Enter other details, if any, of the collateral submitted by the Optional
company. You can enter up to 200 characters
Collateral From the dropdown list, select Yes or No to indicate whether Optional
Insurance the collateral submitted by the company is insured
Last Collateral Enter the date in the specified format, on which the collateral Optional
Appraisal Date submitted by the company was last appraised

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(dd/mm/yyyy) submitted by the company was last appraised


Cross Application From the LoV, select the identification code of the loan Optional
Id application with which the collateral given for this loan
application is linked. This LoV is enabled only when the
Collateral Cross is selected as Yes
Agreement Type From the dropdown list, select the type of agreement entered Optional
into by the company.
Done On Enter the date in the specified format, on which the agreement Optional
(dd/mm/yyyy) was signed
Collateral From the dropdown list, select the category of the collateral Optional
Category

5. Click Add.

The system saves the details and a row is added in the grid below the entry field, showing the
type of collateral added by you.

You can enter details of more than one collateral, if required. Repeat steps 4 and 5 for each
product. A new row is added to the grid for each product detail. When you select the required
collateral, its details are displayed in the entry fields.

Figure 5-13: The Collateral Detail screen (with list of added collateral types)
Now you can add following information for the collaterals given by the applicant:
• Specific Details of the Collateral

• Address of the Collateral


• Insurance Details of the Collateral

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5.4.2 Adding Specific Details of Collateral


CAS helps you maintain specific details of the collateral given by the applicant. These details
include information, such as area of the plot (if the collateral is land and building), and amount of
deposit (if the collateral is time deposit). To add these details, on the Collateral Detail screen (with
list of added collateral types), click the link (in the Collateral Description column) corresponding to
the collateral type, specific details of which you want to add. The various collateral types and their
specific details are described below:

5.4.2.1 Adding Specific Details of Inventory


You can add the specific details of the inventory given as collateral by the applicant using the
Inventory screen. The specific details of the inventory gives information, such as the invoice
number, delivery order number, receipt number and market value of the inventory.

To add specific details of inventory:

1. In the grid of the Collateral Detail screen, click the Collateral Description link for the inventory.
The Inventory screen is displayed.

5-14: The Inventory screen


2. Enter details, as described in the following table:
Field Description Remarks

Invoice No. Enter the invoice number of the inventory. This is an Optional
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Description of Enter a brief description of goods kept in the inventory. This is Mandatory
Goods an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Delivery Order Enter the delivery order number of the inventory Optional
No
Receipt No Enter the receipt number of the inventory Optional
Market Value Enter the market value of the inventory Mandatory
Currency From the dropdown list, select the currency in which you have Optional
calculated the market value of inventory
Title Type From the dropdown list, select the type of title that the Optional
applicant holds over the inventory given as collateral. The
options are:

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

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You can also add details of more than one inventory. To do this, click Add and repeat step 2 and3.

5.4.2.2 Adding Specific Details of Vehicle


You can add specific details of the vehicle (given as collateral by the applicant) using the Vehicle
screen. The specific details of the vehicle include information, such as the invoice number,
ownership proof, registration number, and the market value of the vehicle.

To add specific details of vehicle:

1. In the grid of the Collateral Detail screen, click the Collateral Description link for vehicle.
The Vehicle screen is displayed.

5-15: The Vehicle screen


2. Enter details, as described in the following table:
Field Description Remarks

Condition From the dropdown list, select the condition of the vehicle Mandatory
given as collateral by the applicant. The options are:
• New: If the vehicle is new
• Used: If the vehicle is a used vehicle
No. of Facture Enter the facture number of the vehicle. This is the original Optional
invoice of the vehicle

No. BPKB Enter the BPKB number of the vehicle given as collateral. Optional
This is the proof of ownership of the applicant of the vehicle.
You can enter up to 30 characters

BPKB Name Enter the name of the owner of the vehicle. This is an Mandatory
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @

No. STNK Enter the registration number of the vehicle given as Optional
collateral by the applicant. This is an alphanumeric field. You
can also enter some special characters, such as *, &, %, $, (,
), and @

STNK Expiry Enter the date, in the specified format, on which the Optional
Date registration number of the vehicle will expire
dd/mm/yyyy
Brand/Model Enter the brand or model of the vehicle given as collateral. Mandatory
This is an alphanumeric field. You can also enter some
special characters, such as *, &, %, $, (, ), and @

Market Value Enter the market value of the vehicle given as collateral. This Optional
is a numeric field

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Year of Enter the year of manfacturing of the vehicle, in the specified Optional
Make(yyyy) format, given as collateral

Currency From the dropdown list, select the currency in which you have Optional
calculated the market value of the vehicle. The dropdown list
displays currencies that are defined in the masters

Title Type From the dropdown list, select the type of ownership the Optional
applicant has on the vehicle. The options are:

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one vehicle. To do this, click Add and repeat step 2 and3.

5.4.2.3 Adding Specific Details of SBLC


You can add specific details of the standby Letters of Credits (SBLCs) given as collateral by the
applicant. SBLCs are a type of bank instrument that can be issued to individuals, corporations,
trust, pension funds, endowments, or non profit organizations. These can be converted to cash,
whenever required. The specific details of SBLCs include information, such as the name and
branch of the issuing bank, currency in which it has been issued and the date of expiry of the
instrument. You can enter these details using the SBLC screen.

To add specific details of SBLC:

1. In the grid of the Collateral Detail screen, click the Collateral Description link for SBLC.
The SBLC screen is displayed.

5-16: The SBLC screen


2. Enter details, as described in the following table:
Field Description Remarks

Bank Name Enter the name of the bank that has issued the SBLC. This is Mandatory
an alphanumeric field and you can enter up to 15 characters,
including some special characters, such as *, &, %, $, (, ), and
@

Branch Enter the name of the bank branch that has issued the SBLC. Optional
This is an alphanumeric field and you can enter up to 15
characters, including some special characters, such as *, &,
%, $, (, ), and @
Country Enter the name of the country where the issuing bank is Optional
located. This is an alphanumeric field and you can enter up to
15 characters, including some special characters, such as *, &,

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%, $, (, ), and @
Currency From the dropdown list, select the currency in which the SBLC Mandatory
has been issued. The dropdown list displays names of
currencies defined in the masters
Expiry Date Of Enter the date, in the specified format, on which the SBLC will Optional
SBLC expire
Amount Enter the amount for which the SBLC has been issued. This is Mandatory
a numeric field and you can enter up to 15 digits
Title Type From the dropdown list, select the type of title the applicant Mandatory
has on the SBLC. The options are:
Type From the dropdown list, select the type to which the SBLC Mandatory
belongs. The options are:

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one SBLC. To do this, click Add and repeat step 2 and3.

5.4.2.4 Adding Specific Details of Land and Building


You can add specific details of the land and building given as collateral by the applicant. The
specific details of land and building include information, such as the name and branch of the
issuing bank, currency in which it has been issued and the date of expiry of the instrument. You
can enter these details using the SBLC screen.

To add specific details of land and building:

1. In the grid of the Collateral Detail screen, click the Collateral Description link for Land and
Building.

The Land & Building screen is displayed.

5-17: The Land & Building screen


2. Enter details, as described in the following table:
Field Description Remarks

Certificate No. Enter the certificate number of the land and building given as Mandatory
collateral by the applicant. You can enter upto 20 characters

Validity Date Enter the date, in the specified format, till which the certificate is valid Optional
Name of Enter the name of the owner of the building. This is an alphanumeric Mandatory
Ownership field and you can enter up to 50 characters, including some special

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characters, such as *, &, %, $, (, ), and @


Title Type From the dropdown list, select the type of ownership the applicant Mandatory
has on the land and building. The options are:
Market Value Enter the market value of the land and building. This is a numeric Optional
field and you can enter up to 15 digits
Currency From the dropdown list, select the currency in which you have Optional
calculated the market value of the land and building. The dropdown
list displays names of currencies defined in the masters
IMB No Enter the building construction permit number of the land and building Optional
given as collateral by the applicant
Date of Issue Enter the date, in the specified format, when the building construction Optional
permit (IMB) was issued to the applicant
IMB Date Enter the date, in the specified format, when the building construction Optional
dd/mm/yyyy permit (IMB) became effective
No. GS Enter the GS number. This is a numeric field and you can enter up to Optional
20 digits
Land Width Enter the width of the land given as collateral. This is a numeric field Optional
and you can enter up to 15 digits
Relationship Enter the relationship that exists between …. . You can enter up to 20 Optional
With Debtor characters
NJOP Value Enter the land and building tax applicable to the collateral. This is a Optional
numeric field and you can enter up to 15 digits

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one land and building. To do this, click Add and repeat step 2
and3.

5.4.2.5 Adding Specific Details of Machine


You can add specific details of the machine given as collateral by the applicant. These details
include information, such as the name and branch of the issuing bank, currency in which it has
been issued and the date of expiry of the instrument. You can enter these details using the SBLC
screen.

To add specific details of machine:

1. In the grid of the Collateral Detail screen, click the Collateral Description link for vehicle.
The Machine screen is displayed.

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5-18: The Machine screen


2. Enter details, as described in the following table:
Field Description Remarks

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one machine. To do this, click Add and repeat step 2 and3.

5.4.2.6 Adding Specific Details of Time Deposits


1. In the grid of the Collateral Detail screen, click the Collateral Description link for time deposit.
The Time Deposit screen is displayed.

5-19: The Time Deposit screen


2. Enter details, as described in the following table:
Field Description Remarks

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Type Back-to-back
Non back-to-back

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one machine. To do this, click Add and repeat step 2 and3.

5.4.2.7 Adding Specific Details of Other Collaterals


1. In the grid of the Collateral Detail screen, click the Collateral Description link for other.

The Other screen is displayed.

5-20: The Other screen


2. Enter details, as described in the following table:
Field Description Remarks

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3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add detail of more than one collateral give by the applicant. To do this, click Add and
repeat step 2 and3.

5.4.2.8 Adding Specific Details of Account Receivables


1. In the grid of the Collateral Detail screen, click the Collateral Description link for account
receivable.
The Account Receivable screen is displayed.

5-21: The Account Receivable screen


2. Enter details, as described in the following table:
Field Description Remarks

3. Click close.

The details are added to the system and the Collateral Detail screen is displayed.

You can also add details of more than one account receivable given as collateral by the applicant. To
do this, click Add and repeat step 2 and3.

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5.4.3 Adding Insurance Details


You can to enter insurance details of the assets submitted as collateral by the corporate
applicant. To do this, in the grid of the Collateral Detail screen, click the Insurance Detail link of
the collateral, to which you want to add detail.
Information entered in this screen helps the bank know details, such as the insurance policy
number of the asset given as collateral and the amount for which the asset is insured.

To add insurance details

1. In the grid of the Collateral Detail screen, click the Insurance Detail link corresponding to the
collateral, insurance details of which you want to enter.
The Insurance Details screen is displayed.

Figure 5-22: The Insurance Details screen


2. Enter details, as described in the following table:
Field Description Remarks

Asset Enter the name of the collateral for which you want to enter Optional
insurance details. You can enter up to 20 characters
Asset Cost Enter the cost of the collateral for which you want to enter Optional
insurance details. This is a numeric field and you can enter up to
15 digits
Insurance From the dropdown list, select the name of the insurance Optional
Company/ company / broker that has insured the collateral
Broker
Description Enter a brief description of the collateral for which you want to Optional
enter insurance details. You can enter up to 50 characters
Policy No. Enter the insurance policy number of the collateral. You can Optional
enter up to 20 characters
Currency From the dropdown list, select the currency in which the Optional
collateral has been insured
Title From the dropdown list, select the title of the insurance agent Optional
through whom the collateral has been insured
Name Enter the name of the insurance agent through whom the Optional

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collateral has been insured. You can enter up to 30 characters.


This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Non Enter the name of the non-associate agency through which the Optional
associated collateral has been insured. You can enter up to 30 characters.
Agency This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Maturity Date Enter the date, in the specified format, on which the insurance of Optional
(dd/mm/yyyy) the collateral will expire
Coverage From the dropdown list, select the coverage type of the Optional
Type insurance of the collateral. The options are:
• All Risk
• Fire
• Life
• TLO
Coverage Enter the amount covered by the insurance policy Optional
Amount
Premium Enter the amount paid as premium for the insurance of the Optional
Amount collateral
Frequency Enter the frequency of the premium Optional

Loss Payee Enter the name of the loss payee. This is a numeric field and you Optional
can enter up to 15 digits

3. Click Add.
The details are displayed in the grid below the entry fields. If the asset has been insured with
more than one policy, repeat steps 3 and 4 for each policy. CAS adds a new row in the grid
for each policy.

5.4.4 Adding Address of Collateral


You can add the address where the asset given as collateral by the applicant is located. This
information helps the bank locate the asset during contact point verification. You can enter the
address details using the Address Details screen.

To add address details

1. In the grid of the Collateral Detail screen, click the Address link corresponding to the collateral,
address details of which you want to enter.
The Address screen is displayed.

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Figure 5-23: The Address screen


2. Enter details, as described in the following table:
Field Description Remarks

3. Click Add.
The details are displayed in the grid below the entry fields. If you want to add another
address, repeat steps 3 and 4. CAS adds a new row in the grid for each address.

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6
Entering Additional Applicant
Two or more applicants can jointly apply for a loan. However, they
must be related to each-other. One of them has to be a primary
applicant (whose details will be considered for the loan) while others
will be co-applicants or guarantors. You can add one or more co-
applicants or guarantors to an application. You can add a co-applicant
or guarantor only after adding details of the primary applicant. The co-
applicant or guarantor can either be an individual or a company.
However, for corporate loans the primary applicant needs to
necessarily be a corporate applicant.
Adding a co-applicant helps increase the credit-line of the applicant,
while a guarantor makes the loan more secure for the bank.
To add a co-applicant/guarantor to an application, you need to add the
co-applicant’s or guarantor’s personal details. Other mandatory details,
such as the co-applicant’s or guarantor’s contact information, income
and liability details, financial details, current assets details and any
miscellaneous information can be added later.
You can enter the following additional applicants:
• Individual co-applicant
• Individual guarantor
• Corporate co-applicant
• Corporate guarantor

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6.1 Adding Individual Co-Applicant/Guarantor


The individual co-applicant/guarantor is added to an application when you enter and save the
personal details of the co-applicant/guarantor in CAS. You also need to add the following details
of the co-applicant/guarantor:
• Personal Details
• Address Details
• Document Collection Details
• Collateral Details

To add a co-applicant/guarantor:

1. On the Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ Deal
Initiation.
The Deal Initiation search screen is displayed.

2. Use the search criteria and select the application Id for which you want to add a co-applicant,
and click the Application Id link.
The Deal Entry screen is displayed for the selected Application Id.

3. Click the Demographic and the Individual tab


The Personal Details screen is displayed.

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Figure 6-1: The Personal details screen


4. Enter details as described in the following table:

Field Description Remarks

Personal Details
Applicant From the dropdown list, select the type of applicant. The options Optional
Type are:
• Co-Applicant: To indicate that the additional applicant is a co-
applicant
• Guarantor: To indicate that the additional applicant is a
guarantor
Relation From the dropdown list, select the relationship the co- Optional
applicant/guarantor has with the corporate applicant. The
dropdown list displays options that are defined in the masters
First Name Enter the first name of the co-applicant/guarantor. This is an Mandatory
alphanumeric field. You can also enter some special characters,
such as *, &, %, $, and @.
Middle Name Enter the middle name of the co-applicant/guarantor. This is an Optional
alphanumeric field. You can also enter some special characters,

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such as *, &, %, $, and @.


Last Name Enter the last name of the co-applicant/guarantor. This is an Optional
alphanumeric field. You can also enter some special characters,
such as *, &, %, $, and @.
Gender From the dropdown list, select the gender of the co- Mandatory
applicant/guarantor
Date of Birth Enter the date of birth, in the specified format, of the co- Mandatory
(dd/mm/yyyy) applicant/guarantor. You can also select the date by using the
Calendar icon
Place of Birth Enter the place of birth of the co-pplicant/guarantor Optional
Passport No. Enter the passport number of the co-applicant/ guarantor Optional
Debtor ID Enter the date of expiry (in the dd/mm/yyyy format) of the debtor Mandatory
Expired Date identification number or passport of the co-applicant/ guarantor
Educational From the dropdown list, select the educational qualification of the Optional
Qualification co-applicant/guarantor. The dropdown list Displays those options
that are defined in the masters
Professional From the dropdown list, select the professional qualification of Optional
Qualification the co-applicant/guarantor. The dropdown list Displays those
options that are defined in the masters
Marital Status From the dropdown list, select the marital status of the co- Mandatory
applicant/guarantor
Spouse Name Enter the name of the spouse of the co-applicant/guarantor. This Optional
is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, and @.
Spouse KTP Enter the KTP No./ID No./Passport No. of the spouse of the co- Optional
No./ID applicant/guarantor
No./Passport
No.
Father’s Name Enter father’s name of the co-applicant/guarantor. This is an Mandatory
alphanumeric field. You can also enter some special characters,
such as *, &, %, $, and @.
Mother’s Enter the mother’s maiden name of the co-applicant/guarantor. Mandatory
Maiden Name This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, and @.
Religion From the dropdown list, select the religion of the co- Optional
applicant/guarantor. The dropdown list displays those options
that are defined in the masters
Existing This field is not used in this version of CAS -
Customer
FinnOne LAN This field is not used in this version of CAS -
No.
LOS No. This field is not used in this version of CAS -

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FinnWare This field is not used in this version of CAS -


Account No.
FinnWare This field is not used in this version of CAS -
Customer ID
Existing Credit This field is not used in this version of CAS -
Card No.
Title Displays the title for the co-applicant/guarantor Read-only
Alias name Displays the other name of the co-applicant/guarantor Read-only
Last School Displays the name of school last attended by the co- Read-only
Attended applicant/guarantor
Degree Displays the degree the co-applicant/guarantor has obtained Read-only
University Displays the name of the university from which the co- Read-only
applicant/guarantor has obtained the degree.
Employee Displays the department in which the co-applicant/ guarantor is Read-only
Department working
Rank Displays the rank at which the co-applicant/ guarantor is working Read-only
(Employed)
Salutation Displays salutation for the co-applicant/guarantor. CAS Read-only
generates salutation on the basis of the title and name entered
for the applicant
Customer Displays the category of the customer Read-only
Category
Constitution Displays the employment details of the co-applicant/guarantor Read-only
Product Displays the name of the product type under which loan is Read-only
applied. This is captured from the primary applicant’s details in
CAS
Asset Displays the category of the vehicle for which loan is applied. Read-only
Category This is captured from the primary applicant’s details in CAS
Asset Make Displays the make of the vehicle for which loan is applied. This is Read-only
captured from the primary applicant’s details in CAS
Asset Model Displays the model of the vehicle for which loan is applied. This Read-only
is captured from the primary applicant’s details in CAS
Loan Amount Displays the amount of the loan applied. This is captured from Read-only
the Applicant’s details in CAS
Tenure in Displays the period in months for which loan is applied. This is Read-only
Months captured from the primary applicant’s details in CAS
DSA Select the name of the Direct Sales Agent (DSA) through which Read-only
the loan application has been received
DME/DST Displays the Read-only
Bank Displays the relationship of the applicant with the bank Read-only
Relationship

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Initials Displays the initials of the co-applicant/guarantor Read-only


CIF Number Displays the customer identification number of the co- Read-only
applicant/guarantor
Number of Displays the number of cars owned by the co- Read-only
Cars applicant/guarantor
Car Ownership Displays the type of ownership the co-applicant/guarantor has Read-only
over the cars
Whether Displays whether the co-applicant/guarantor is a resident Read-only
Resident
Nationality Displays the nationality of the co-applicant/guarantor Read-only
Qualifying Displays the qualifying year of the co-applicant/guarantor Read-only
Year
Requested Displays the loan amount requested by the co-applicant/ Read-only
Loan Amount guarantor
PAN A/C No. Displays the permanent account number of the co- Read-only
applicant/guarantor
Minor Displays if the co-applicant/guarantor is a minor Read-only
Guardian Displays the name of the guardian in case the co- Read-only
applicant/guarantor is a minor
Category Displays the category of the co-applicant/ guarantor Read-only
Number of Displays the number of children of the co-applicant/guarantor Read-only
Children in who are in the elementary school
Elementary
Number of Displays the number of children of the co-applicant/guarantor Read-only
Children in who are in high school
High School
Number of Displays the number of children of the co-applicant/guarantor Read-only
Children in who are in college
College
Number of Displays the number of children of the co-applicant/guarantor Read-only
Children not who are not yet enrolled in any school
yet studying

5. Click Save.

The system saves the details and displays the following message:
Data saved successfully.

6.1.1 Entering Details of Individual Co-applicant/Guarantor


You need to enter complete details of the individual co-applicant/guarantor so that the bank can
judge the co-applicant/guarantor on various parameters before sanctioning the loan. To enter
these details you need to search the application and click the name of the individual co-

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applicant/guarantor whose details you want to enter. The Personal screen of the selected Co-
applicant/Guarantor is displayed. You need to click the respective tab for entering the details.
The details you need to enter for the Co-applicant/Guarantor are:

• Address Details
• Document Collection Details
• Collateral Details
You can add these details in any of the following ways:
• After adding personal details, click the corresponding links (on the toolbar that appears on top
of the Personal Details screen) to add the co-applicant’s/ guarantor’s records.

• Enter and save personal details of the applicant and close the screen. The other details can be
added later. CAS saves the co-applicant’s details and displays the name in the
Demographic screen. Click the required co-applicant’s/guarantor’s name to add other
details.

6.1.1.1 Entering Address Details


Address details of the individual co-applicant or guarantor is required for contacting the person. It
is also used by the bank for verifying details of the applicant. CAS helps you enter details of
different types of addresses of the co-applicant or guarantor, such as the residence address, and
office or business address. You can add the address details using the Address link on the
Personal screen.

To enter address details:

1. On the Personal Details screen for the co-applicant/guarantor Click the Address link.
The Address Details screen is displayed.

Figure 6-2: The Address details screen


2. Enter details as described in the following table:

Field Description Remarks

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Address Type From the dropdown list, select the type of address you want to Mandatory
enter for the co-applicant or guarantor, such as Residence
Address, Office/Business Address. The dropdown list displays
addresses that are defined in the masters
Property Type From the dropdown list, select the type of the property Optional
corresponding to the address type you have selected. For
example, if the address type is Residence Address, select
appropriate option to indicate if the residence is owned by the
applicant or is rented. The dropdown lists displays options that
are defined in the Property Type master
Address One Enter the first line of address of the co-applicant or guarantor. Mandatory
This is an alphanumeric field and you can enter up to 60
characters. You can also enter some special characters, such as
*, &, %, $, (, ), and @
Address Two Enter the second line of address of the co-applicant or guarantor. Optional
This is an alphanumeric field and you can enter up to 60
characters. You can also enter some special characters, such as
*, &, %, $, (, ), and @
Address Three Enter the third line of address of the co-applicant or guarantor. Optional
This is an alphanumeric field and you can enter up to 60
characters. You can also enter some special characters, such as
*, &, %, $, (, ), and @
Village Enter the name of the village where the co-applicant or guarantor Optional
is located. This is an extension of the address of the corporate
applicant. You can enter up to 50 characters
Country From the dropdown list, select the country where the co- Mandatory
applicant or guarantor is located. The dropdown list displays only
those countries that are defined in the Country Master. This is an
extension of the corporate applicant’s address
State From the dropdown list, select the state where the co-applicant Mandatory
or guarantor is located. The dropdown list displays names of only
those States that are defined in the State Master and mapped to
the selected country. The system uses this information to display
the names of the cities in the selected State. This is an extension
of the corporate applicant’s address
City From the LoV, select the name of the city, where the co- Optional
applicant or guarantor is located. The LoV displays names of
only those cities that are defined in the City Master and are
mapped to the selected State. This is an extension of the
corporate applicant’s address
District From the LoV, select the name of the district, where the co- Optional
applicant or guarantor is located. The LoV displays names of
only those districts that are defined in the District Master and are
mapped to the selected State. This is an extension of the

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corporate applicant’s address


Zip Code From the LoV, select the postal code of the area where the co- Optional
applicant or guarantor is located. The LoV displays only those
Zip Codes that are defined in the Zip Code Master and are
mapped to the selected city. This is an extension of the
corporate applicant’s address
Area Code Enter the area code of the city, where the co-applicant or Mandatory
guarantor is located. This is a numeric field and you can enter up
to five digits
Phone 1 Enter the landline phone number of the contact person. This is a Mandatory
numeric field and you can enter up to 10 digits
Extension Enter the extension number of the contact person. This is a Optional
numeric field and you can enter up to five digits
Phone 2 Enter the alternate landline phone number of the contact person. Optional
This is a numeric field and you can enter up to 10 digits
Mobile Enter the cell phone number of the contact person. This is a Optional
numeric field and you can enter up to 15 digits
Email Enter the e-mail address of the contact person. This is an Optional
alphanumeric field and you can also enter some special
characters, such as *, &, %, $, (, ), and @
Fax Enter the fax number of the contact person. This is a numeric Optional
field and you can enter up to 10 digits
Mobile 2 Enter the alternate cell phone number of the contact person. This Optional
is a numeric field and you can enter up to 15 digits
Landmark Enter the landmark near the address of the company of the co- Optional
applicant or guarantor. This is an extension of the address of the
corporate applicant. You can enter up to 60 characters
Years at Enter years (Yr.) and month (Mth.) for which the company has Optional
current been located at the mentioned address. This is a numeric field
Address and you can enter up to two digits in each field
Mailing Select Yes or No to indicate whether the address is the mailing Optional
Address address of the company
Years at City Enter years (Yr.) and month (Mth.) for which the company co- Optional
applicant or guarantor has been located in the selected city. This
is a numeric field and you can enter up to two digits in each field

3. Click Add.

The system saves the details and displays the following message:
Data Saved Successfully.

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6.1.1.2 Entering Document Collection Details


Banks collect documents certifying details entered by the Co-applicant/Guarantor. You can enter
details of the documents to be collected from the Co-applicant/Guarantor using the Document
Collection screen.

To enter document collection details:

1. On the Personal Details screen for the co-applicant/guarantor, click Document Collection.
The Document Collection screen is displayed.

Figure 6-3: The Document Collection screen

For field-level details, refer to Section 5.3 Maintaining Details of Documents .

6.1.1.3 Entering Collateral Details


Banks collect details of the collaterals submitted by the individual co-applicant/guarantor, if any.
You can enter these details using the Collateral Details screen.

To enter collateral details:

1. On the Personal Details screen for the co-applicant/guarantor, click Collateral.


The Collateral Details screen is displayed.

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Figure 6-4: The Collateral Details screen

For field-level details, refer to Section 5.4 Maintaining Collateral Details.

6.2 Adding Corporate Co-applicant/Guarantor


The individual co-applicant/guarantor is added to an application when you enter and save the
personal details of the co-applicant/guarantor in CAS. You also need to add the following details
of the co-applicant/guarantor:

• Personal Details
• Address Details
• Income/Liability Details

• Financial Details
• Current Asset Details
• Misc. Info
• Documentation Details
• Collateral Details

To add a co-applicant/guarantor:

1. On the Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ Deal
Initiation.
The Deal Initiation search screen is displayed.

2. Use the search criteria and select the application Id for which you want to add a co-
applicant/guarantor, and click the Application Id link.
The Deal Entry screen is displayed for the selected Application Id.
3. Click the Demographic and the Corporate tab
The Corporate screen is displayed.

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Figure 6-5: The Corporate screen


4. Enter details as described in the following table:

Field Description Remarks

Prospective Application Information


Customer From the dropdown list, select the type of applicant. The options Mandatory
Type are Co-applicant, Guarantor, and Spouse
Existing This is not applicable for the co-applicant/guarantor -
Customer
Existing This is not applicable for the co-applicant/guarantor -
Customer
NPWP No.
Applicant Displays the name of the corporate applicant. This information Read-only
Name flows from the Deal Entry screen
Customer Din Enter the customer Debtor Identification Number (DIN). This is Optional
an alphanumeric field and you can enter up to 20 characters
Group Name From the dropdown list, select the name of the group to which Optional
the corporate applicant belongs. The dropdown list displays only
those values that are defined in the Group master
Group Din Enter the Debtor Identification Number (DIN) of the group to Optional
which the corporate applicant belongs. You can enter up to 20
characters
Region Displays the region where the company is located. This Read-only
information flows from the Deal Entry screen
New Customer Displays the new customer NPWP number, in case the corporate Read-only

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NPWP No applicant is a new customer. This information flows from the Deal
Entry screen. NPWP number is the tax identification number of
the corporate applicant
Constitution From the dropdown list, select the appropriate option to indicate Mandatory
the category to which the business of the applicant belongs,
such as Private, Public Enterprise. The dropdown list displays
only those values that are defined in the Constitution master
BI Constitution From the dropdown list, select the corporate qualifier for the Mandatory
applicant, such as Ltd. The dropdown list displays only those
values that are defined in the BI Constitution master
Business From the dropdown list, select the business segment with which Mandatory
Sector the corporate applicant is associated. The dropdown list displays
only those values that are defined in the Business Sector master
Industry From the dropdown list, select the type of industry with which the Mandatory
corporate applicant is associated. The dropdown list displays
only those values that are defined in the Industry master
Sub Industry From the dropdown list, select the sub-industry type with which Mandatory
the corporate applicant is associated. The dropdown list displays
only those values that are mapped for the Industry selected by
you
CSC Type From the dropdown list, select the customer selection criteria to Optional
which the applicant belongs. A customer selection criterion
defines the sector in which the applicant operates (such as
manufacturing, services, trading) as well as the volume of trade.
The dropdown list displays only those options that are defined in
the CSC Type master
Nature of Enter the nature of business of the corporate applicant. This is Mandatory
Business an alphanumeric field. You can enter up to 60 characters,
including some special characters, such as @, #, and %
LOB From the dropdown list, select the line of business (LOB) of the Mandatory
corporate applicant, such as Commercial Agri Business and
Commercial Non-agri Business. The dropdown list displays only
those options that are defined in the LOB master
TDP No. Enter the Tanda Daftar Perusahaan (TDP) number of the Optional
corporate applicant. This is the company registration number of
the applicant. You can enter up to 30 characters
TDP Expiry Enter the date (in the specified format )on which the company Optional
Date registration number of the corporate applicant will expire
(dd/mm/yyyy)
SIUP No. Enter the trading license (SIUP) number of the corporate Optional
applicant. You can enter up to 30 characters
SIUP Expiry Enter the date (in the specified format )on which the trading Optional
Date license number of the corporate applicant will expire
(dd/mm/yyyy)

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Latest Article Enter the latest article of association number of the corporate Optional
of Association applicant. You can enter up to 30 characters
No
Latest Article Enter the date (in the specified format ) on which the latest article Optional
of Association of association number of the corporate applicant was
Date incorporated
(dd/mm/yyyy)
Deed of Enter the deed of establishment number of the corporate Optional
Establishment applicant. You can enter up to 30 characters
No
Deed of Enter the date (in the specified format ) when the deed of Optional
Establishment establishment of the corporate applicant was incorporated
Date
(dd/mm/yyyy)
Years in Enter the time period in years (Yr.) and months (Mth.) the Mandatory
Business corporate applicant has been in the specified business. This is a
numeric field and you can enter up to two digits in each field
Contact Enter the name of the contact person for the applicant in the Optional
Person company. This is the person whom the verifying agencies will
contact for getting details about the applicant
Position/Title From the dropdown list, select the position or title of the contact Optional
person in the company. The dropdown list displays only those
positions and titles that have been defined in the master
Turnover Enter the total money value of all transactions executed by the Mandatory
corporate applicant in one year. This is a numeric field and you
can enter up to 15 digits
Monthly Displays the monthly sales of the corporate applicant to its Read-only
Customer customers.
Sales
Monthly Enter the monthly purchase of the corporate applicant from its Mandatory
Customer customers. This is a numeric field and you can enter up to 15
Purchase digits
Management Enter the management experience of the corporate applicant in Mandatory
Experience years (Yr.) and months (Mth.). This is a numeric field and you
can enter up to three and two digits respectively in each field.
Central Bank Displays the rating of the central bank on the performance of the Read-only
Performance company
Blanket Displays whether the corporate applicant has opted for a blanket Read-only
Guarantee guarantee
Relationship Select Yes or No to indicate whether the corporate applicant has Mandatory
With Bank any prior relationship with the bank. This indicates if the
applicant has taken any loan from the bank earlier
Type of From the dropdown list, select the type of relationship the Mandatory

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Relationship corporate applicant has with the bank. This field is enabled only
when you have selected Yes in the Relationship With Bank field.
The dropdown list displays only those options that have been
defined in the masters

5. Click Update.

The system saves the details and displays the following message:
Data Saved Successfully.

For field-level details refer to Section 5.2.1 Entering Applicant’s Details.

6.2.1 Entering Details of Corporate Co- applicant/Guarantor


You need to enter details of the corporate co-applicant/guarantor so that the bank can judge the
corporate co-applicant/guarantor on various parameters before sanctioning the loan. To enter
these details you need to search the application and click the name of the corporate co-applicant/
guarantor whose details you want to enter. The Corporate screen of the selected co-applicant/
guarantor is displayed. You need to click the respective tab for entering the details.
You can add the details of corporate co-applicant/guarantor in any of the following ways:
• After adding Prospective Application Information, click the corresponding links (on the toolbar
that appears on top of the Corporate screen) to add the co-applicant’s/guarantor’s
records.
• Enter and save personal details of the applicant and close the screen. The other details can be
added later. CAS saves the co-applicant’s details and displays the name in the
Demographic screen. Click the required co-applicant’s/guarantor’s name to add other
details.
The details you need to enter for the Co-applicant/Guarantor are:

• Corporate (For field-level details, refer to Section 5.2.1 Entering Applicant’s Details)
• Address Details (For field-level details, refer to Section 5.2.2 Entering Address Details)
• Business/Financial/Rating (For field-level details, refer to Section 5.2.3 Entering
Business/Financial Information)
• Corporate Rating (For field-level details, refer to Section 5.2.4 Entering Corporate Rating
Details)

• Stakeholders/Directors (For field-level details, refer to Section 5.2.5 Entering Stakeholder


Details)
• Existing Facility (For field-level details, refer to Section 5.2.6 Entering Existing Facility Details)

• Supplier and Buyer List (For field-level details, refer to Section 5.2.7 Entering Supplier and
Buyer )
• Document Collection Details (For field-level details, refer to Section 5.3 Maintaining Details of
Documents )
• Collateral Details (For field-level details, refer to Section 5.4 Maintaining Collateral Details)

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7
Reviewing Credit Worthiness
Banks and financial institutions assess the creditworthiness of the
corporate applicant before disbursing the requested loan amount. This
is done by analysing various information, such as details of assets and
liabilities, and profit and loss gathered from the applicant. CAS helps
you do this by summarizing all business, financial and bank details
entered for the corporate applicant. Based on the results of
deduplication, scoring and trade-check results, it also assigns grades
to the applicant that helps the underwriter take decision on the
application.
CAS also allows you to do a financial analysis of the applicant and
establish the risks or rewards involved in approving the loan
application. Financial analysis is a three-step process that involves
uploading data (balance-sheet or profit and loss statement of the
applicant), creating financial score-card, and projecting the future of
the customer on the basis of simulations and ratio calculations.
For reviewing creditworthiness of the applicant, you need to perform
the following tasks:
• View customer selection criteria details
• Assign grades to applicants
• Do financial projections

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7.1 Viewing Customer Selection Criteria Details


Based on the details entered for the corporate applicant, CAS grades the credit-worthiness of the
applicant and displays the result in the Customer Selection Criteria screen.

The user reviewing the creditworthiness of the corporate applicant can refer to the grade
assigned by CAS for making the final decision on the creditworthiness of the applicant.
To help you make an informed and calculated decision, CAS helps you view details, as entered
by the corporate applicant. You can do this using the links provided on the Customer Selection
Criteria screen. These links help you view the following details:
• Details entered for initiating the deal
• Dedupe referral result
• Trade check result
• Collateral verification result
• Bank account analysis result

7.2 Assigning Grades to Applicants


CAS helps the underwriter take appropriate decision on the application by providing the
underwriter a trail of decisions and grades assigned by various users to this corporate applicant.
You can assign grade or modify it using the Customer Selection Criteria screen.
The final grade computed by the system is the lowest of all the grades for all defined parameters.

The screen also helps you pass on the information (on grades to the corporate applicant) to
another user. Thus, a trail of action taken by every user is maintained, which helps the
underwriter take the final decision on the application.

To assign grade to the applicant:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Credit Review.
The CSC search screen is displayed.
2. Use the search criteria and select the Application Id to which you want to assign grades, and
click the Application Id link.

3. The Customer Selection Criteria screen is displayed.

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Figure 7-1: The Customer Selection Criteria screen


4. In the Credit Grading Report section, choose the Selection Criteria on which you want to
grade the customer
5. In the Change Grade To field, select the grade you now want to be assigned to the
customer, and click Update.

The system saves the details and displays it in a grid above the entry fields.
6. In the KB Plus Amount section, enter the KB plus amount for the applicant and click Save.

The system saves the details and displays the following message:
Data Saved Successfully.
7. From the Decision dropdown list, select if you want to approve or forward the loan
application.

If you select to forward the application to another user, the Select Role and Select User fields are
enabled. Select the role of the user and the user to whom you want to forward the application for
review.

The fields in the Decision Sheet section are enabled.

8. Enter details in the Decision Sheet section, as described in the following table:

Field Description Remarks

Reason/ From the dropdown list, select the reason or the special Mandatory
Special condition for making the decision
condition

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Reason Enter the description of the reason or the special condition Mandatory
Description
Reason Enter comments, if any Optional
Comments
Special From the dropdown list, select the stage on which the special Optional
Condition For condition selected by you is applicable. The dropdown list
displays options defined in the masters

9. Click Add to List.

The system saves the details and displays it in a grid above the entry field.
10. Click Save.

The system saves the details and displays the following message:
Data Saved Successfully.

7.3 Making Financial Projections


Based on the present financial status of the applicant CAS helps you project the financial health
that the corporate will have in next five years. This information helps the bank reduce the risk
associated with the loan.
To make the financial projection you need to upload the financial statement (balance sheet or
profit and loss statement) of the applicant to CAS. The file to be uploaded needs to be in CSV
format and you can upload only one type of file at a time. This means, you cannot upload the
balance sheet and the income statement of the applicant simultaneously.
However, CAS allows you to upload data of up to three years for one type of file. Based on the
uploaded data the system makes calculations and displays what the balance-sheet, or income
and profit and loss statement of the applicant will look like in the next three years.

To make financial projections:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Financial Analysis.
The Financial Analysis Search screen is displayed.
2. Use the search criteria and select the Application Id for which you want to do the financial
projection, and click the Application Id link.
The Financial Analysis screen is displayed.

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Figure 7-2: The Financial Analysis screen


3. Enter details, as described in the following table:

Field Description Remarks

Document Upload
Document Type From the dropdown list, select the type of file that you want to Mandatory
upload for making projection of the financial health of the
corporate customer. The dropdown list displays the types of
documents defined in the masters
Template From the dropdown list, select the template for uploading the Mandatory
file. The only option available in this version of the system is
Excel
Year 1 Enter the year, in the specified format, of the financial report Mandatory
you are uploading
Financial Report From the dropdown list, select the type of financial report you Optional
Type are uploading. The options are:
• Audited: If you are uploading audited financial report.
Audited financial reports are those reports that have been
certified by authorized auditors
• Non-audited: If you are uploading non-audited financial
report
Year 2 Enter the year, in the specified format, of the financial report Mandatory
you are uploading
Financial Report From the dropdown list, select the type of financial report you Optional
Type are uploading. The options are:
• Audited: If you are uploading audited financial report.
Audited financial reports are those reports that have been
certified by authorized auditors
• Non-audited: If you are uploading non-audited financial
report
Year 3 Enter the year, in the specified format, of the financial report Mandatory
you are uploading
Financial Report From the dropdown list, select the type of financial report you Optional
Type are uploading. The options are:
• Audited: If you are uploading audited financial report.

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Audited financial reports are those reports that have been


certified by authorized auditors
• Non-audited: If you are uploading non-audited financial
report
Document Name Enter the location of the file. You can also select the path by Mandatory
clicking Browse.

4. Click Upload File.

The system uploads the specified file and displays it in the grid below the entry fields.

Figure 7-3: The Financial Analysis screen (with uploaded files)


5. Click the link of the document, based on which you want to make projections.
The Financial Projection screen is displayed.

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Figure 7-4: The Financial Projection screen


The Financial Projection screen displays the years for which you can calculate the projection.
You can enter the projected amount or percentage profit or loss for each field of the
uploaded balance sheet.
6. To view the projection for an year, for each field of the uploaded file, do one of the following:

a. In the left cell, enter the amount of profit or loss you project for the corporate applicant.
The right cell will display the projection in percentage.
b. In the right cell, enter the percentage of profit or loss you project for the corporate
applicant.
The left cell will display the corresponding amount of profit or loss.

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8
Verifying Application Details
Banks and financial institutions verify various details of the corporate
applicant before taking a decision on the loan application. This is done
to calculate the risks involved in financing the corporate applicant.
Banks can either employ their own staff members to perform these
investigations or they can take help of outside agencies for the
purpose.

For corporate applicants banks need to verify both personal and


business details. To verify personal details, the verifying officers either
visit the contact person (mentioned in the application) or make a phone
call to them and gather information.
However, to verify the trade details given by the applicant, banks send
the verifying officers to the buyers and customers of the applicant.
Information gathered from them is tallied with details provided in the
application. The result of these verifications are entered in the system
and are reviewed by a supervisor before the application moves to the
next stage of processing.
The verification results are displayed on the underwriter screen. This
helps the underwriter take an informed and judicious decision on the
loan application.
You need to perform following verifications before advancing loans to
corporate applicants:

• Verifying trade details


• Verifying collaterals

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8.1 Verifying Trade Details


To assess the repayment capacity of the corporate customer, banks verify its trade details. The
person verifying details visits or calls up the buyer or supplier mentioned by the applicant and
investigates if the details given by applicant are correct. Besides, the verifier can also investigate
details from the market. The process of verifying trade details involves the following stages:
Verifying Details: This activity can be performed by a designated bank employee or any agency
hired by the bank.
Reviewing Verification: After the trade details (buyer and supplier details) are verified these are
sent to a designated supervisor who reviews it. The application moves to the next stage only
when the supervisor reviews it.

8.1.1 Verifying Buyer Details


You can verify the details of the buyers dealing with the customer using the Buyer Trade Check
screen. The information provided by the corporate applicant during deal entry flows to this screen,
so that you can verify these. The screen also helps you add comment or other information you
gathered about the buyer from the market. Based on the verification performed by you and the
details entered, each buyer is given a grade.

To verify buyer details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Trade Check.
The Trade Check Search screen is displayed.
2. Use the search criteria and select the application Id whose trade details you want to view,
and click the Application Id link.
The Trade Check screen is displayed.

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Figure 8-1: The Trade Check screen

You can also search the application from the list of application Ids displayed below the search fields.
However, using the search criteria narrows down your search.

3. View/enter details as described in the following table:

Field Description Remarks

Buyer Trade Check


Total Number Displays the total number of records for buyers, entered by the Read-only
of Checks sales person during deal initiation.
Final Buyer Displays the grade given by the system to the buyer. Read-only
Check Grade
Final Buyer Displays the final grade given by the system to the buyer. The Read-only
Risk Grade system gives this grade on the basis of information entered by
the corporate applicant during deal initiation.
Total Value of Displays the sum total of the average monthly purchase for all Read-only
Sales Check buyers as entered by the sales person during deal initiation.
Percent Share Displays the percentage share the buyer has in the total sales of Read-only
of Sales the corporate applicant.
Monthly Displays the monthly sales of the corporate applicant, as entered Read-only
Customer during deal initiation.
Sales
Buyer Details
Buyer Name Enter the name of the buyer you have selected for verification. Mandatory

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This is an alphanumeric field. You can also enter some special


characters, such as, such as *, &, %, $, and @.
Contact Enter the name of the person you have contacted for verification. Mandatory
Person This is an alphanumeric field. You can also enter some special
characters, such as, such as *, &, %, $, and @.
Business Enter the number of years for which the buyer is in business Mandatory
Relationship In relationship with the corporate applicant. This is a numeric field
Years
Nature of Enter the nature of goods purchased by the buyer from the Mandatory
Goods corporate applicant. This is an alphanumeric field. You can also
Purchased enter some special characters, such as, such as *, &, %, $, and
@.
Average Enter the average monthly purchase of the buyer. This is a Mandatory
Monthly numeric field and you can enter up to 15 digits
Purchase
% Of Average Enter the average purchase of buyer (in percent) from the Mandatory
Purchase corporate applicant
Multinational From the dropdown list, select Yes or No to indicate whether the Mandatory
buyer is a multinational company
Contract From the dropdown list, select Yes or No to indicate whether any Mandatory
Agreement agreement has been signed between the buyer and the
corporate applicant.
Is The From the dropdown list, select Yes or No to indicate if the Mandatory
Applicant Your corporate applicant is the major supplier for the buyer
Major
Supplier?
Range Of % From the dropdown list, select the range of purchase done by Optional
Share the buyer from the corporate applicant. The options are:
• Less than 30%
• Less than 40%
• Less than 50%
• More than 50%
Terms From the dropdown list, select appropriate option to indicate the Mandatory
mode in which the buyer makes purchases from the applicant.
The options are:
• Cash: If the buyer gives cash to the applicant for all
purchases
• Credit: If the buyer makes purchases on credit from the
applicant
Delivery From the dropdown list, select the time taken by the corporate Mandatory
applicant in delivering the goods purchased by the buyer. The
options are:
• Prompt
• Late < = 2 weeks

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• Late > 2 weeks < = 4 weeks


• Late > 4 weeks
Quality of From the dropdown list, select the rating given by the buyer to Mandatory
Goods/ the quality of goods and services from the corporate applicant.
Services The options are:
• Goods (A)
• Goods (B)
• Acceptable
• Poor
Will Your From the dropdown list, select if the buyer is ready to continue Mandatory
Company dealings with the corporate applicant on open account or credit
Continue To terms.
Deal With
Them On
Open A/C
Or Credit
Terms?
Any negative From the dropdown list, select appropriate option (Yes or No) to Mandatory
information in indicate if there is any negative information in the market about
the market the buyer
If yes Enter the negative information in the market, if any, about the Optional
buyer.
Comments On the basis of the verification conducted, enter any remark you Optional
want to make on the management experience, business history,
future dealings, positioning, or approach of the buyer.
Market Enter details you got from the market about the corporate Optional
Checking applicant. This is an alphanumeric field
Details
Buyer Check Displays the grade given by the system to the buyer Read-only
Grade
Buyer Risk Displays the risk grade given by the system to the buyer. It Read-only
Grade indicates the risk to which the corporate applicant is exposed in
dealing with the buyer
User name Displays the name of the logged-in user. Read-only
Deviation From the dropdown list, select Yes or No to indicate whether you Optional
Raised want to raise a deviation. Deviation needs to be raised …
Information From the dropdown list, select Yes or No to indicate if Optional
Entry information entry for the buyer is complete
Complete

4. Click Update.

The system saves the record.

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8.1.2 Verifying Supplier Details


You can verify the details of the suppliers dealing with the customer using the Trade Check
(Suppliers Details) screen. The information provided by the corporate applicant during deal entry
flows to this screen, so that you can verify these. The screen also helps you add comment or
other information you gathered about the supplier from the market. Based on the verification
performed by you and the details entered, each supplier is given a grade.

To verify supplier details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Trade Check.
The Trade Check Search screen is displayed.
2. Use the search criteria and select the application Id for which you want to verify supplier
details, and click the Application Id link.
The Trade Check screen is displayed.

You can also search the application from the list of Application Ids displayed below the search fields.
However, using the search criteria narrows down your search.

3. Click Suppliers Details tab.


The Trade Check (Suppliers Details) screen is displayed.

Figure 8-2: The Trade Check (Suppliers Details) screen


4. Enter details as described in the following table:

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Field Description Remarks

Supplier Trade Check


Total Number Displays the total number of records for suppliers, entered by the Read-only
Of Checks sales person at the time of deal initiation.
Final supplier Displays the grade given by the system to the supplier. Read-only
check grade
Final Supplier Displays the final grade given by the system to the supplier. The Read-only
Risk Grade system gives this grade on the basis of the information entered
by the corporate applicant during deal initiation.
Total Value Of Displays the sum total of the average monthly sales for all Read-only
Purchase suppliers mentioned by the applicant during deal initiation
Check
Percent Share Displays the percentage share of the supplier in the total Read-only
Of Purchase purchase of the applicant
Monthly Displays the monthly purchase of the corporate applicant, as Read-only
Customer entered during deal initiation.
Purchase/
COGS
Supplier Details
Supplier Name Enter the name of the supplier you have selected for verification. Mandatory
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Contact Enter the name of the person you have contacted for verification. Mandatory
Person This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (,), and @
Business Enter the number of years for which the supplier has been in Mandatory
Relationship In business relationship with the corporate applicant.
Years
Nature of Enter the nature of goods sold by the supplier to the corporate Mandatory
Goods Sold applicant
Average Enter the average monthly sale of the supplier to the corporate Mandatory
Monthly Sale applicant
% Of Average Enter the percentage share of the supplier in the total purchase Mandatory
Sale of the corporate applicant.
Multinational From the dropdown list, select Yes or No to indicate whether the Mandatory
supplier is a multinational company
Contract From the dropdown list, select Yes or No to indicate whether any Mandatory
Agreement agreement has been signed between the supplier and the
corporate applicant
Is the From the dropdown list, select Yes or No to indicate whether the Mandatory
Applicant Your corporate applicant is a major buyer from the supplier
Major Buyer?

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Range Of % From the dropdown list, select the range of purchase done by Optional
Share the corporate applicant from this supplier. The options are:
• Less than 30%
• Less than 40%
• Less than 50%
• More than 50%
Terms From the dropdown list, select appropriate option to indicate the Mandatory
mode in which the corporate applicant makes purchases from
the supplier. The options are:
• Cash: If the applicant gives cash to the supplier for all
purchases
• Credit: If the applicant makes purchases on credit from the
supplier
Payment From the dropdown list, select the time taken by the corporate Mandatory
applicant in delivering the amount to the supplier. The options
are:
• Prompt
• Late < = 2 weeks
• Late > 2 weeks < = 4 weeks
• Late > 4 weeks
Will Your From the dropdown list, select if the supplier is ready to continue Mandatory
Company dealings with the corporate applicant on open account or credit
Continue To terms
Deal With
Them On
Open A/C Or
Credit Terms?
Any Negative From the dropdown list, select is there is any negative Mandatory
Information In information about the supplier in the market
The Market
If Yes Enter the negative information, if any you came to know about Optional
the supplier
Comments On the basis of the verification conducted by you, enter any Optional
remark you want to make on the management experience,
business history, future dealings, positioning, or approach of the
corporate applicant
Market Enter details, if any, checked from the market Optional
checking detail
Supplier Check Displays the grade given by the system to the supplier Read-only
Grade
Supplier Risk Displays the grade given by the system to the supplier on the Read-only
Grade basis of the risk attached with the buyers entered by the sales
person at the time of deal initiation.
User name Displays the name of the logged in user Read-only

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Deviation From the dropdown list, select Yes or No to indicate whether you Optional
Raised want to raise a deviation. You need to raise deviation…
Information From the dropdown list, select Yes or No to indicate if Optional
Entry information entry for the supplier is complete
Complete

5. Click Update.

The system saves the details entered by you.

8.1.3 Gathering Reports from Market


Banks check the creditworthiness of the corporate applicant, even if they have not submitted any
information regarding the buyers and suppliers associated with them. To do this, they gather
information from the market. You can enter this information in the Market Intelligence screen. This
information is verified by the supervisor, and accordingly decision is taken at the underwriting
stage of application processing.

To gather reports from the market:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Trade Check.

The Trade Check search screen is displayed.


2. Use the search criteria and select the application Id whose market details you want to verify,
and click the Application Id link.

The Trade Check screen is displayed.

You can also search the application from the list of application Ids displayed below the search fields.
However, using the search criteria narrows down your search.

3. Click Marketing Intelligence tab.


The Marketing Intelligence screen is displayed.

Figure 8-3: The Marketing Intelligence screen


4. Enter the details that you gathered about the corporate applicant from the market, and click
Save.

The system saves the details and displays the following message:
Data Saved Successfully.

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Entering information in this screen is mandatory for all those cases where the corporate applicant has
not given any information about the buyers and suppliers, and even the field verification officers could
not find out any buyer or supplier dealing with the corporate applicant.

8.2 Verifying Collaterals


To reduce risk exposure banks take collaterals from corporate applicants for all secured loans.
Details of these collaterals are entered in the system during deal initiation. However, these details
need to be verified for their truthfulness and validity. This is done to assess the creditworthiness
of the corporate applicant and the risks associated with the deal. The verification can be done
either by an internal appraiser (bank users) or an external appraiser (outside agency).
The process of verifying collaterals is done in two stages:
1. Initiating the verification process: In this stage, those loan applications are selected which
need to be forwarded for verification.
2. Verifying collateral details: In this stage, the representatives of the verifying agencies or the
internal appraisers record their results after field visits and telephone checks on the loan
applications forwarded to them for verification.

8.2.1 Initiating Verification Process


For verifying the collateral details provided in the loan applications, the applications need to be
allocated to the verifiers. This activity is known as initiation and it is performed by a user having
the access rights of a supervisor.
The supervisor selects the internal appraiser and the external appraiser (if needed) for the
application and clicks Initiate Collateral Appraisal to initiate the process of verification.

To refer an application for verification:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Collateral Activities Æ Collateral Appraisal Initiation.
The TI Initiation screen is displayed.

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Figure 8-4: The TI Initiation screen
The TI Initiation screen displays details, as described in the following table:

Field Description

Application ID Displays the unique identification number of the application for which you are
initiating the appraisal.
Collateral Name Displays the names of the collaterals submitted by the corporate applicant during
deal initiation
Contact Person Displays the name of the contact person for verification, as mentioned by the
applicant during deal initiation
Contact No. Displays the phone number of the contact person for verification, as mentioned
by the applicant during deal initiation
City Displays the name of the city where the collateral is situated
Collateral Type Displays the type into which the collateral falls

2. Do one of the following:

• If you want to waive off appraisal of collateral of any loan application, mark the
corresponding Waiver checkbox.
• If you want to get the collateral appraised, enter details in the Collateral Appraiser as
described in the following table to send the application to the specified appraiser:
Field Description Remarks

Internal From the dropdown list, select the internal appraiser for the Mandatory
Appraiser collateral. The dropdown list displays the names of internal
appraisers maintained in the system. This activity can be
performed only by a supervisor.
External From the dropdown list, select the external appraiser for the Optional
Appraiser collateral. The dropdown list displays the names of external
appraisers maintained in the system. This activity can be
performed only by a supervisor. You need to select external
appraiser only for those applicants for whom you want
verification from an external agency as well

3. Click Initiate Collateral Appraisal.

The application is sent for appraisal to the specified user.

8.2.2 Verifying Collateral Details


When the collateral verification is initiated the details of the collateral is displayed to the user who
has been allocated the task of verifying the collateral. The respective user makes a visit to the
location where the collateral is situated and verifies details from the contact person mentioned by
the applicant. The user also gathers information (by visiting or through telephone) from the
persons referred to by the corporate applicant. However, in order to obtain additional information
the user can also gather details from other sources (the neighbours, or colleagues of the
applicant) not mentioned in the application.

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After obtaining additional information the verifier compares these with the details provided in the
application and either validates or modifies these (as the case may be).
The various types of collaterals that you can verify are:

a. Land Appraisal
b. Inventory
c. Vehicle
d. Machinery
e. SBLC
f. [n22]Time Deposit
g. [n23]Others

To verify collateral details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Collateral Activities Æ Collateral Appraisal Verification.
The Collateral Verification search screen is displayed.
2. Use the search criteria and select the Application Id for which you want to verify the
collaterals.
The Collateral Appraisal Verification screen is displayed, showing a list of all the collaterals
that you need to verify.

Figure 8-5: The Collateral Appraisal Verification screen


3. Click the collateral, details of which you want to verify and enter the required information. You
can verify details of the following collaterals:
a. Land and Building
b. Inventory
c. Vehicle
d. SBLC
e. Machine
f. Time Deposit
g. Account Receivable

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h. Other

1.1.1.1 Verifying Land and Building Details


The banks verify details and value of land and building submitted as collateral by the corporate
applicant. This can be done using the Collateral Appraisal Verification (Land and Building)
screen.

To verify land and building details:

1. On the Collateral Appraisal Verification screen, click the Land and Building link.
The Collateral Appraisal Verification (Land and Building) screen for the corporate applicant is
displayed.

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Figure 8-6: The Collateral Appraisal Verification (Land and Building) screen
2. Enter details, as described in the following table:

Field Description Remarks

Land and Building


Land and Click this button to view specific details of the land and -
Building building given as collateral by the applicant. You can also
make modifications to these details on the basis of your
verification. For more information, see section on
Verifying Specific Details of Land and Building
External Enter the name of the external appraiser for the land/building Optional

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Appraiser Name given as collateral. This is an alphanumeric field. You can also
enter up to 30 characters, including some special characters,
such as *, &, %, $, (, ), and @.
External Enter the address of the external appraiser for the Optional
Appraiser land/building given as collateral. This is an alphanumeric field.
Address You can also enter up to 100 characters, including some
special characters, such as *, &, %, $, (, ), and @.
Contact Person Enter the name of the person you contacted for appraising the Optional
land/building given as collateral. You can enter up to 30
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Area Code Enter the area code of the city, where the contact person lives. Optional
This is a numeric field and you can enter up to five digits
Contact Person Enter the phone number of the person you contacted for Optional
Phone 1 appraising the land/building given as collateral.
Contact Person Enter the alternate phone number of the person you contacted Optional
Phone 2 for appraising the land/building given as collateral
Contact Person Enter the cellphone number of the person you contacted for Optional
Mobile 1 appraising the land/building given as collateral
Contact Person Enter the alternate cellphone number of the person you Optional
Mobile 2 contacted for appraising the land/building given as collateral
Contact Person Enter the fax number of the person you contacted for Optional
Fax 1 appraising the land/building given as collateral
Contact Person Enter the alternate fax number of the person you contacted for Optional
Fax 2 appraising the land/building given as collateral
Survey Date Enter the date, in the specified format, on which you Mandatory
dd/mm/yyyy conducted the survey
Report Date Enter the date, in the specified format, on which you recorded Mandatory
dd/mm/yyyy the survey result.
Purpose of Enter the purpose of making this appraisal. You can enter up Mandatory
Appraisal to 50 characters.
Registration No. Enter the registration number of the land/building given as Mandatory
collateral. This is a numeric field and you can enter up to 12
digits.
Sales Name Enter the name of the sales person who entered collateral Optional
details during deal initiation. You can enter up to 30
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Occupied By Enter the name of the person who occupies the building. This Optional
is an alphanumeric field and you can enter up to 20
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @

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Property Status Enter the status of the property given as collateral by the Optional
applicant. This is an alphanumeric field and you can enter up
to 20 characters.
Road Condition Enter the condition of road to the building. This is an Mandatory
alphanumeric field and you can enter up to 27 characters.
Road Width Enter the width of road to the building. This is a numeric field Mandatory
and you can enter up to six digits.
Traffic System Describe the traffic system in the area near the building. This Mandatory
is an alphanumeric field and you can enter up to 20 characters
Density Enter the population density in the area surrounding the Mandatory
Population building. You can enter up to 20 characters
Social Economic Enter the socio-economic status of the people in the area Mandatory
Status surrounding the building. This is an alphanumeric field and you
can enter up to 20 characters.
Area Allocation Enter the area allocated to the building Mandatory
Transportation Enter the transportation facility in the area surrounding the Optional
building. This is an alphanumeric field and you can enter up to
20 characters.
Large Enter the number of large markets or malls in the area Optional
market/Mall surrounding the building
Hospital Enter the number of hospitals in the area surrounding the Optional
building
School Enter the number of schools in the area surrounding the Optional
building
Security Enter security arrangement in the area surrounding the Optional
building. This is an alphanumeric field and you can enter up to
20 characters.
Distance from Enter the distance of the building from the downtown. You can Optional
Downtown enter up to 20 characters
Direction to Enter the direction of the building from the downtown. This is Mandatory
Location an alphanumeric field and you can enter up to 200 characters.
Land Form Enter the landform of the building. You can enter up to 30 Optional
characters.
Total Land Width Enter the land width of the building in square metre. This is a Read-only
Certificate numeric field and you can enter up to six digits.
Land Contour Enter the land contour of the building Optional
Flood Area Enter the flood area of the building. You can enter up to 20 Optional
characters.
Border Enter the border of the building. You can enter up to 50 Mandatory
characters.
Collateral Criteria Enter the collateral criteria of the building. You can enter up to Optional

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20 characters.
Land Width In Enter the land width of the building in square metre. This is a Mandatory
Total/m2 numeric field and you can enter up to nine digits.
Land Market Enter the market price of the land in per square metre. This is Mandatory
Price Per Sq a numeric field and you can enter up to 15 digits.
meter
Total Land Price Displays the total price of the land on which the building is Read-only
standing
Building Details Click this button to enter the details of the building submitted
as collateral by the applicant. For details, see section on
Verifying Building Details
Source Details Click this button to enter details of the sources from which you
gathered the information. For more information, see
section on Entering Details of Sources of Information
Previous Appraisal
Market Price Enter the market price of the building. This is a numeric field Optional
Maximum Enter the percentage maximum reliance value of the building. Optional
Reliance Value The percentage value cannot be greater than 100
%
Name Enter the name of the previous appraiser. This is an Optional
alphanumeric field and you can enter up to 30 characters.
No. LPJ Enter the LPJ Number. Optional
Date Enter the date, in the specified format, when the previous Optional
dd/mm/yyyy appraisal was done

Price of Collateral
Total Market Displays the total market value of the building given as Read-only
Value collateral.
Maximum Enter the percentage maximum reliance value of the building. Mandatory
Reliance Value The percentage value cannot be greater than 100
%
Things to Affect Appraisal
Marketable Rate the marketability of the land and building Optional
Others Rate the land and building on other qualities. You can enter up Optional
to 50 characters.
Strengths Enter the strengths of the building. This is an alphanumeric Optional
field and you can enter up to 200 characters.
Weakness Enter the weaknesses of the building. This is an alphanumeric Optional
field and you can enter up to 200 characters.
Conclusion Enter your conclusion. This is an alphanumeric field and you Optional
can enter up to 200 characters.
Opinion Enter your opinion on the building. This is an alphanumeric Optional

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field and you can enter up to 200 characters.


FOTO Optional
Next Appraisal Enter the next appraisal date for the collateral, in the specified Optional
Date format
dd/mm/yyyy
Name of Enter your name. This is an alphanumeric field and you can Optional
Appraiser enter up to 30 characters.
Name of Enter the name of the supervisor. This is an alphanumeric field Optional
Supervisor and you can enter up to 30 characters.
Collateral From the dropdown list, select the classification for the Mandatory
Classification collateral. The dropdown list displays options that are defined
in the masters
Collateral Sub From the dropdown list, select the collateral sub type. The Mandatory
Type dropdown list displays options that are defined in the masters
Decision Mark your recommendation as Positive, Negative, or Neutral. Mandatory

3. Click Save.

The system saves the details.

Verifying Specific Details of Land and Building

On the basis of your verification of the specific details of land and building given as collateral by
the corporate applicant you can make modifications in the Land & Building screen. Details
entered in this screen are displayed to the underwriter and it helps the underwriter take informed
decision on the loan application.

To enter verification result of specific details:

4. On the Collateral Appraisal Verification (Land and Building) screen, click Land And
Building.

The Collateral Appraisal Verification (Land and Building) pop-up window is displayed showing
specific details of the land and building given as collateral by the applicant.

Figure 8-7: The Collateral Appraisal Verification (Land and Building) pop-up window
5. Verify details and enter result as described in the following table:

Field Description Remarks

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4. Click close.

The details are added to the system and the Collateral Appraisal Verification (Land and
Building) screen is displayed.

You can also add verification results of more than one land and building. To do this, click Add and
repeat step 2 and3.

Verifying Building Details

If the collateral submitted by the corporate applicant is a building you need to verify its location,
cost and other details provided by the applicant during deal entry. You can do this using the
Collateral Appraisal Verification (Building Details) pop-up window.

To enter building details:

6. On the Collateral Appraisal Verification (Land and Building) screen, click Building Details.

The Collateral Appraisal Verification (Building Details) pop-up window is displayed showing
details of the building as entered during deal initiation.

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Figure 8-8: The Collateral Appraisal Verification (Building Details) pop-up window
7. Enter details as described in the following table:

Field Description Remarks

No. IMB Enter the building permit (IMB) number of the collateral Mandatory
Building Type Enter the type to which the building belongs Mandatory
No. Of Floor Enter the number of floors that the building has. This is a Mandatory
numeric field and you can enter up to five digits.
Physical Width Enter the width of the building in square metre. This is a Mandatory
(Sq M) numeric field and you can enter up to nine digits.
Building Width In Enter the width of the building as mentioned in the building Mandatory
IMB permit. This is a numeric field and you can enter up to nine
digits.
Wide Building Displays the width of building outside IMB. Read-only
Outside IMB
Size Of Building Displays the size of the building that is to be considered for Read-only
To Be evaluating the collateral.
Considered
Layout Enter the layout of the building. You can enter up to 200 Mandatory
characters.
New Building Enter the value of the building. This is a numeric field and you Mandatory
Value can enter up to 15 digits.
Current Building Enter the current value (per square metre) of the building. This Mandatory
Value Per Sq M is a numeric field
IMB Building Displays the value of the building, as mentioned in the building Read-only

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Value permit
Physical Building Displays the physical value of the building Read-only
Value
Policy Building Displays the policy building market value of the building. Read-only
Market Value
Insurance Value Enter the insurance value of the building. This is a numeric Optional
field
Foundation Enter the quality of foundation of the building. You can enter Mandatory
up to 30 characters.
Wall Enter the wall quality of the building. You can enter up to 30 Mandatory
characters.
Window Frame Enter the window frame quality of the building. You can enter Mandatory
up to 30 characters.
Roof Enter the roof quality of the building. You can enter up to 30 Mandatory
characters.
Electricity Enter whether the building has electricity connection. You can Mandatory
enter up to 20 characters.
Water Enter whether the building has water connection. You can Mandatory
enter up to 15 characters.
Telephone Enter whether the building has telephone connection. This is a Optional
numeric field and you can enter up to 10 digits
Air condition Enter whether air conditioner is installed in the building Optional

8. Click Add.

The system saves the record and displays it in a grid below the entry field. To enter details for
more than one building, repeat steps 2 and 3. The system adds a new row for each building.

Entering Details of Sources of Information

If you have gathered information from more than one source, you need to enter details of all the
sources. You can do this using the Collateral Appraisal Verification (Source Details) pop-up
window.

To enter details of sources of information:

1. On the Collateral Appraisal Verification (Land and Building) screen, click Source Details.

The Collateral Appraisal Verification (Source Details) pop-up window is displayed.

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Figure 8-9: The Collateral Appraisal Verification (Source Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

Source Type Enter the category to which the source of verification belongs. Optional
This is an alphanumeric field
Source Name Enter the name of the source. This is an alphanumeric field. You Optional
can also enter some special characters, such as *, &, %, $, (, ),
and @
Telephone No. Enter the telephone number of the source of verification. This is Optional
1 a numeric field and you can enter up to 11 digits
Telephone Enter the alternate telephone number of the source of Optional
No.2 verification. This is a numeric field and you can enter up to 11
digits
Mobile 1 Enter the cell phone number of the source of verification. This is Optional
a numeric field and you can enter up to 11 digits
Mobile 2 Enter the alternate cell phone number of the source of Optional
verification. This is a numeric field and you can enter up to 11
digits
Fax 1 Enter the fax number of the source of verification. This is a Optional
numeric field and you can enter up to 11 digits
Fax 2 Enter the alternate fax number of the source of verification. This Optional
is a numeric field and you can enter up to 11 digits
Price Enter the price of the collateral as mentioned by the source of Optional
verification. This is a numeric field
Date Enter the date, in the specified format, on which you contacted Optional
dd/mm/yyyy the source for verification
Remarks Enter remarks, if any. This is an alphanumeric field. You can also Optional
enter some special characters, such as *, &, %, $, (, ), and @.

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
for more than one source, repeat steps 2 and 3. The system adds a new row for each source
of verification.

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You can enter address details of the source which provided information for verifying details of the
collateral. To do this, on the Collateral Appraisal Verification (Source Details) pop-up window, click
Address. The Address pop-up window is displayed. For field-level details, refer to Section 5.2.2
Entering Address Details.

1.1.1.2 Verifying Inventory Details


If the applicant has give stocks and shares as collateral for the loan, you need to verify the value
of these. You can enter the result of verification using the Collateral Appraisal Verification
(Inventory) screen.

To verify inventory details:

1. On the Collateral Appraisal Verification screen, click the Inventory link.


The Collateral Appraisal Verification (Inventory) screen for the corporate applicant is
displayed.

Figure 8-10: The Collateral Appraisal Verification (Inventory) screen


2. Enter details as described in the following table:

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Field Description Remarks

Inventory
Inventory Click this button to view specific details of the inventory given as -
collateral by the applicant. You can also make modifications to
these details, if required. For more information, see section
on Entering Verification Result of Specific Details of
Inventory
External Enter the name of the external appraiser for the inventory given Optional
Appraiser as collateral. You can enter up to 30 characters. This is an
Name alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
External Enter the address of the external appraiser for the inventory Optional
Appraiser given as collateral. You can enter up to 100 characters.
Address
Contact Enter the name of the person you contacted for appraising the Optional
Person inventory given as collateral. You can enter up to 30 characters.
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Area Code Enter the area code of the city, where the contact person lives. Optional
This is a numeric field and you can enter up to five digits
Contact Enter the phone number of the person you contacted for Optional
Person Phone appraising the inventory given as collateral.
1
Contact Enter the alternate phone number of the person you contacted Optional
Person Phone for appraising the inventory given as collateral.
2
Contact Enter the cell phone number of the person you contacted for Optional
Person Mobile appraising the inventory given as collateral.
1
Contact Enter the alternate cell phone number of the person you Optional
Person Mobile contacted for appraising the inventory given as collateral.
2
Contact Enter the fax number of the person you contacted for appraising Optional
Person Fax 1 the inventory given as collateral.
Contact Enter the alternate fax number of the person you contacted for Optional
Person Fax 2 appraising the inventory given as collateral.
Survey Date Enter the date, in the specified format, on which you conducted Mandatory
dd/mm/yyyy the survey for appraising inventory given as collateral.

Report Date Enter the date, in the specified format, on which you recorded Mandatory
dd/mm/yyyy the survey result for appraising inventory given as collateral.

Purpose Of Enter the purpose of making the appraisal. This is an Mandatory


Appraisal alphanumeric field and you can enter up to 20 characters.

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Registration Enter the registration number of the inventory given as collateral. Mandatory
No.
Sales Name Enter the name of the sales person who entered the details at Optional
during deal initiation. You can enter up to 30 characters. This is
an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Name Of Place Optional
Direction to Enter the direction to location of the inventory. Mandatory
location
Insurance Enter the insurance type of the inventory. Optional
Type
Insurance Enter the insured value of the inventory given as collateral. This Optional
Value is a numeric field and you can enter up to 15 digits.
Currency Rate Enter the rate of the currency in which the inventory given as Optional
collateral has been insured. This is a numeric field and you can
enter up to five digits.
Inventory List
Source Details Click this button to enter details of the sources from which you -
gathered the information. For more information, see section
on Entering Details of Sources of Information
Previous Appraisal
Market Price Enter the market price of the inventory given as collateral. This is Optional
a numeric field and you can enter up to 15 digits.
Maximum Enter the percentage maximum reliance value of the inventory Optional
Reliance Value given as collateral. The percentage value cannot be greater than
% 100
Name Enter the name of the previous appraiser. You can enter up to 30 Optional
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
No. LPJ Enter the LPJ Number of the collteral Optional
Date Enter the date, in the specified format, when the previous Optional
dd/mm/yyyy appraisal was done

Price of Collateral
Total Market Displays the total market value of the inventory given as Read-only
Value collateral.
Maximum Enter the maximum reliance value of the inventory given as Mandatory
Reliance Value collateral. This is a numeric field and you can enter up to 15
digits.
Things to Affect Appraisal
Marketable Rate the marketability of the inventory given as collateral. You Optional
can enter up to 50 characters.

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Others Rate the inventory on other qualities. You can enter up to 50 Optional
characters.
Strengths Enter the strengths of the inventory given as collateral. You can Optional
enter up to 200 characters.
Weakness Enter the weaknesses of the inventory given as collateral. You Optional
can enter up to 200 characters.
Conclusion Enter your conclusion on the inventory given as collateral. You Optional
can enter up to 200 characters.
Opinion Enter your opinion on the inventory given as collateral. You can Optional
enter up to 200 characters.
FOTO Optional
Name of Enter your name. You can enter up to 30 characters. This is an Optional
Appraiser alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
Name of Enter the name of the supervisor. You can enter up to 30 Optional
Supervisor characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Next Appraisal Enter the next appraisal date, in the specified format Optional
Date
dd/mm/yyyy
Collateral From the dropdown list, select the collateral classification. The Mandatory
Classification options are
• Primary
• Secondary
• Supported
Collateral Sub From the dropdown list, select the collateral sub type. Mandatory
Type
Decision Mark your recommendation as Positive, Negative, or Neutral. Mandatory

3. Click Save.

The system saves the details.

Entering Verification Result of Specific Details

LOS helps you enter details of verification performed for the specific inventory details, as entered
by the sales person of the bank. These details include the invoice number, description of goods
kept in the inventory, receipt number and the market value of the inventory submitted as collateral
by the corporate applicant.

To enter verification result of specific details:

1. On the Collateral Appraisal Verification (Inventory) screen, click Inventory.

The Collateral Appraisal Verification (Inventory) pop-up window is displayed.

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Figure 8-11: The Collateral Appraisal Verification (Inventory) pop-up window


2. Enter verification details as described in the following table:

Field Description Remarks

Invoice No. Enter the invoice number of the inventory Optional


Description of Enter a brief description of goods in the inventory Mandatory
Goods
Delivery Order Enter the delivery order number of the inventory Optional
No
Receipt No Enter the receipt number of the inventory Optional
Market Value Enter the market value of the inventory Mandatory
Currency From the dropdown list, select the currency in which the market Optional
value of inventory is entered
Title Type From the dropdown list, select the type of title that the applicant Optional
holds over the collateral. The options are:

3. Click Add.

The system saves the record and displays it in a grid below the entry field. To enter
verification result of another inventory, repeat steps 2 and 3. The system adds a new row for
each inventory.

You can also view the address details of the vehicle. To do this, click Address.

Entering Details of Verified Inventory

Using the Collateral Appraisal Verification (Inventory Details) screen you can enter details of the
verified inventory for the corporate customer. If the applicant has given more than one inventory
as collateral, you need to enter details of the all of these.

To enter inventory details:

1. On the Collateral Appraisal Verification (Inventory) screen, click Inventory List.

The Collateral Appraisal Verification (Inventory Details) pop-up window is displayed.

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Figure 8-12: The Collateral Appraisal Verification (Inventory Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

Inventory Enter the name of inventory given as collateral. You can enter up Optional
name to 30 characters. This is an alphanumeric field. You can also
enter some special characters, such as *, &, %, $, (, ), and @
Type Enter the type of inventory given as collateral. You can enter up Optional
to 20 characters.
Unit Enter the unit of inventory given as collateral. This is a numeric Optional
field and you can enter up to six digits.
Total Enter the total number of inventory given as collateral. This is a Mandatory
numeric field and you can enter up to 15 digits.
Unit Price Enter the per unit price of inventory given as collateral. This is a Mandatory
numeric field and you can enter up to 15 digits.
Total Price Enter the total price of inventory given as collateral. This is a Mandatory
numeric field and you can enter up to 15 digits.
Remarks Enter remarks, if any. You can enter up to 50 characters. Optional

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
of another inventory, repeat steps 2 and 3. The system adds a new row for each inventory.

Entering Details of Sources of Information

If you have gathered information from more than one source, you need to enter details of all the
sources. You can do this using the Collateral Appraisal Verification (Source Details) pop-up
window.

To enter details of sources of information:

1. On the Collateral Appraisal Verification (Inventory) screen, click Source Details.

The Collateral Appraisal Verification (Source Details) pop-up window is displayed.

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Figure 8-13: The Collateral Appraisal Verification (Source Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

Source Type Enter the category to which the source of verification belongs. Optional
This is an alphanumeric field
Source Name Enter the name of the source. This is an alphanumeric field. You Optional
can also enter some special characters, such as *, &, %, $, (, ),
and @
Telephone No. Enter the telephone number of the source of verification. This is Optional
1 a numeric field and you can enter up to 11 digits
Telephone Enter the alternate telephone number of the source of Optional
No.2 verification. This is a numeric field and you can enter up to 11
digits
Mobile 1 Enter the cell phone number of the source of verification. This is Optional
a numeric field and you can enter up to 11 digits
Mobile 2 Enter the alternate cell phone number of the source of Optional
verification. This is a numeric field and you can enter up to 11
digits
Fax 1 Enter the fax number of the source of verification. This is a Optional
numeric field and you can enter up to 11 digits
Fax 2 Enter the alternate fax number of the source of verification. This Optional
is a numeric field and you can enter up to 11 digits
Price Enter the price of the collateral as mentioned by the source of Optional
verification. This is a numeric field
Date Enter the date, in the specified format, on which you contacted Optional
dd/mm/yyyy the source for verification
Remarks Enter remarks, if any. This is an alphanumeric field. You can also Optional
enter some special characters, such as *, &, %, $, (, ), and @.

3. Click Add.

The system saves the record and displays it in a grid below the entry field. To enter details for
more than one source, repeat steps 2 and 3. The system adds a new row for each source.

You can enter address details of the source which provided information for verifying details of the
collateral. To do this, on the Collateral Appraisal Verification (Source Details) pop-up window, click

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Address. The Address pop-up window is displayed. For field-level details, refer to Section 5.2.2
Entering Address Details.

1.1.1.3 Verifying Vehicle Details


Banks verify the value and the other details of the vehicle given as collateral by the corporate
applicant. This can be done using the Collateral Appraisal Verification (Vehicle) screen.

To verify vehicle details:

1. On the Collateral Appraisal Verification screen, click the Vehicle link.


The Collateral Appraisal Verification (Vehicle) screen for the corporate applicant is displayed.

Figure 8-14: The Collateral Appraisal Verification (Vehicle) screen


2. Enter details as described in the following table:

Field Description Remarks

Vehicle
Vehicle Click this button to view specific details of the vehicle given as -
collateral by the applicant. You can also make modifications to
these details, if required. For more information, see section
on Verifying Specific Details of Vehicle

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External Enter the name of the external appraiser for the vehicle given as Optional
Appraiser collateral. You can enter up to 30 characters. This is an
Name alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
External Enter the address of the external appraiser for the vehicle given Optional
Appraiser as collateral. You can enter up to 100 characters.
Address
Contact Enter the name of the person you contacted for appraising the Optional
Person vehicle given as collateral. You can enter up to 30 characters.
Area Code Enter the AREA code of the city, where the contact person lives. Optional
This is a numeric field and you can enter up to five digits
Contact Enter the phone number of the person you contacted for Optional
Person Phone appraising the vehicle given as collateral.
1
Contact Enter the alternate phone number of the person you contacted Optional
Person Phone for appraising the vehicle given as collateral
2
Contact Enter the cell phone number of the person you contacted for Optional
Person Mobile appraising the vehicle given as collateral
1
Contact Enter the alternate cell phone number of the person you Optional
Person Mobile contacted for appraising the vehicle given as collateral
2
Contact Enter the fax number of the person you contacted for appraising Optional
Person Fax 1 the vehicle given as collateral
Contact Enter the alternate fax number of the person you contacted for Optional
Person Fax 2 appraising the vehicle given as collateral
Survey Date Enter the date, in the specified format, on which you conducted Mandatory
dd/mm/yyyy the survey for appraising the vehicle given as collateral

Report Date Enter the date, in the specified format, on which you recorded Mandatory
dd/mm/yyyy the survey result for appraising the vehicle given as collateral.

Purpose of Enter the purpose of making the appraisal. You can enter up to Mandatory
Appraisal 20 characters.
Registration Enter the registration number of the vehicle given as collateral. Mandatory
No.
Sales Name Enter the name of the sales officer who entered the details at the Optional
time of deal initiation. You can enter up to 30 characters. This is
an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Vehicle Details Click this button to enter the details of the vehicle submitted as -
collateral by the applicant. For details, see section on
Verifying Vehicle Details

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Source Details Click this button to enter details of the sources from which you -
gathered the information. For more information, see section
on Entering Details of Sources of Information
Previous Appraisal
Market Price Enter the market price of the vehicle given as collateral. This is a Mandatory
numeric field and you can enter up to 15 digits.
Maximum Enter the percentage maximum reliance value of the vehicle Optional
Reliance Value given as collateral. The percentage value cannot be greater than
% 100
Name Enter the name of the previous appraiser. You can enter up to 30 Optional
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
No. LPJ Enter the LPJ Number of the previous appraisal Optional
Date Enter the date, in the specified format, when the previous Optional
dd/mm/yyyy appraisal was done

Price of Collateral
Total Market Displays the total market value of the vehicle given as collateral. Read-only
Value
Maximum Enter the percentage maximum reliance value of the vehicle Optional
Reliance Value given as collateral. The percentage value cannot be greater than
% 100
Things to Affect Appraisal
Marketable Rate the marketability of the vehicle given as collateral. You can Optional
enter up to 50 characters.
Others Enter the rating of the vehicle on other qualities. You can enter Optional
up to 50 characters.
Strengths Enter the strengths of the vehicle given as collateral. You can Optional
enter up to 200 characters.
Weakness Enter the weaknesses of the vehicle given as collateral. You can Optional
enter up to 200 characters.
Conclusion Enter your conclusion on the vehicle given as collateral. You can Optional
enter up to 200 characters.
Opinion Enter your opinion on the vehicle given as collateral. You can Optional
enter up to 200 characters.
FOTO Optional
Name of Enter your name. You can enter up to 30 characters. This is an Optional
Appraiser alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
Name of Enter the name of the supervisor. You can enter up to 30 Optional
Supervisor characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @

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Next Appraisal Enter the next appraisal date, in the specified format Optional
Date
dd/mm/yyyy
Collateral From the dropdown list, select the collateral classification. The Mandatory
classification options are
• Primary
• Secondary
• Additional
Collateral Sub From the dropdown list, select the collateral sub type. The Mandatory
Type dropdown list displays options that are defined in the masters
Decision Mark your recommendation as Positive, Negative, or Neutral. Mandatory

3. Click Save.

The system saves the details.

Verifying Specific Details of Vehicle

On the basis of your verification of the specific details of vehicle given as collateral by the
corporate applicant you can make modifications in the Collateral Appraisal Verification (Vehicle)
pop-up window. Details entered in this screen are displayed to the underwriter and it helps the
underwriter take informed decision on the loan application.

To enter verification result of specific details:

4. On the Collateral Appraisal Verification (Vehicle) screen, click Vehicle.

The Collateral Appraisal Verification (Vehicle) pop-up window is displayed showing specific
details of the land and building given as collateral by the applicant.

Figure 8-15: The Collateral Appraisal Verification (Vehicle) pop-up window


5. Verify details and enter result as described in the following table:

Field Description Remarks

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6. Click close.

The details are added to the system and the Collateral Appraisal Verification (Vehicle)
screen is displayed.

You can also add verification results of more than one vehicle. To do this, click Add and repeat step
2 and3.
You can also view the address details of the vehicle. To do this, click Address.

Entering Vehicle Details

The verifying officer needs to physically inspect the vehicle given as collateral by the corporate
applicant and enter its details, such as the colour of the vehicle, chassis number, and engine
number.

To enter vehicle details:

1. On the Collateral Appraisal Verification (Vehicle) screen, click Vehicle Details.

The Collateral Appraisal Verification (Vehicle Details) pop-up window is displayed.

Figure 8-16: The Collateral Appraisal Verification (Vehicle Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

No. BPKB Enter the BPKB number of the vehicle given as collateral. Optional
Police/Plate Enter the plate number of the vehicle given as collateral. This is Optional

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No an alphanumeric field
Vehicle Type Enter the type of the vehicle given as collateral. Optional
Volume Of Enter the volume of the cylinder of the vehicle given as collateral. Optional
Cylinder
Number Of Enter the number of wheels in the vehicle given as collateral. Optional
Wheel
Fuel Type Enter the fuel type used in the vehicle Optional
Color Enter the colour of the vehicle given as collateral Optional
Chassis No. Enter the chassis number of the vehicle given as collateral Optional
Engine No. Enter the engine number of the vehicle given as collateral Optional
Purpose Of Enter the purpose for which the vehicle is being used Optional
Use
KM Done Enter the kilometre travelled by the vehicle given as collateral Optional
Condition Enter the condition of the vehicle given as collateral Optional
Unit price Enter the unit price of the vehicle given as collateral. This is a Mandatory
numeric field and you can enter up to 15 digits
Insurance Enter the insurance type of the vehicle given as collateral Optional
Type
Insurance Enter the insured value of the vehicle given as collateral. This is Optional
Value a numeric field and you can enter up to 15 digits

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
of another vehicle, repeat steps 2 and 3. The system adds a new row for each vehicle.

Entering Details of Sources of Information

If you have obtained information from more than one source, you need to enter details of all the
sources. You can do this using the Collateral Appraisal Verification (Source Details) pop-up
window.

To enter details of sources of information:

1. On the Collateral Appraisal Verification (Vehicle) screen, click Source Details.

The Collateral Appraisal Verification (Source Details) pop-up window is displayed.

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Figure 8-17: The Collateral Appraisal Verification (Source Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

Source Type Enter the category to which the source of verification belongs. Optional
This is an alphanumeric field
Source Name Enter the name of the source. This is an alphanumeric field. You Optional
can also enter some special characters, such as *, &, %, $, (, ),
and @
Telephone No. Enter the telephone number of the source of verification. This is Optional
1 a numeric field and you can enter up to 11 digits
Telephone Enter the alternate telephone number of the source of Optional
No.2 verification. This is a numeric field and you can enter up to 11
digits
Mobile 1 Enter the cell phone number of the source of verification. This is Optional
a numeric field and you can enter up to 11 digits
Mobile 2 Enter the alternate cell phone number of the source of Optional
verification. This is a numeric field and you can enter up to 11
digits
Fax 1 Enter the fax number of the source of verification. This is a Optional
numeric field and you can enter up to 11 digits
Fax 2 Enter the alternate fax number of the source of verification. This Optional
is a numeric field and you can enter up to 11 digits
Price Enter the price of the collateral as mentioned by the source of Optional
verification. This is a numeric field
Date Enter the date, in the specified format, on which you contacted Optional
dd/mm/yyyy the source for verification
Remarks Enter remarks, if any. This is an alphanumeric field. You can also Optional
enter some special characters, such as *, &, %, $, (, ), and @.

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
for more than one source, repeat steps 2 and 3. The system adds a new row for each source.

You can enter address details of the source which provided information for verifying details of the
collateral. To do this, on the Collateral Appraisal Verification (Source Details) pop-up window, click
Address. The Address pop-up window is displayed. For field-level details, refer to Section 5.2.2
Entering Address Details.

1.1.1.4 Verifying Machinery Details


Banks verify the value and the other details of the machinery given as collateral by the corporate
applicant. This can be done using the Collateral Appraisal Verification (Machinery) screen.

To verify machinery details:

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1. On the Collateral Appraisal Verification screen, click the Machinery link.


The Collateral Appraisal Verification (Machinery) screen for the corporate applicant is
displayed.

Figure 8-18: The Collateral Appraisal Verification (Machinery) screen


2. Enter details as described in the following table:

Field Description Remarks

Machinery
Machine Click this button to view specific details of the machine given as -
collateral by the applicant. You can also make modifications to
these details, if required. For more information, see section
on Verifying Specific Details of Machinery
External Enter the name of the external appraiser for the machinery given Optional
Appraiser as collateral. You can enter up to 30 characters. This is an
Name alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
External Enter the address of the external appraiser for the machinery Optional
Appraiser given as collateral. You can enter up to 100 characters. This is
Address an alphanumeric field. You can also enter some special

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characters, such as *, &, %, $, (, ), and @


Contact Enter the name of the person you contacted for appraising the Optional
Person machinery given as collateral. You can enter up to 30 characters.
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Area Code Enter the AREA code of the city, where the contact person lives. Optional
This is a numeric field and you can enter up to five digits
Contact Enter the phone number of the person you contacted for Optional
Person Phone appraising the machinery given as collateral.
1
Contact Enter the alternate phone number of the person you contacted Optional
Person Phone for appraising the vehicle given as collateral
2
Contact Enter the cell phone number of the person you contacted for Optional
Person Mobile appraising the vehicle given as collateral
1
Contact Enter the alternate cell phone number of the person you Optional
Person Mobile contacted for appraising the vehicle given as collateral
2
Contact Enter the fax number of the person you contacted for appraising Optional
Person Fax 1 the vehicle given as collateral
Contact Enter the alternate fax number of the person you contacted for Optional
Person Fax 2 appraising the vehicle given as collateral
Survey Date Enter the , in the specified format, on which you conducted the Mandatory
dd/mm/yyyy survey for appraising the machinery given as collateral.

Report Date Enter the date, in the specified format, on which you recorded Mandatory
dd/mm/yyyy the survey result for appraising the machinery given as collateral.

Purpose of Enter the purpose of making this appraisal. You can enter up to Mandatory
Appraisal 20 characters.
Registration Enter the registration number of the machinery given as Mandatory
No. collateral.
Sales Name Enter the name of the sales officer who entered the details at the Optional
time of deal initiation. You can enter up to 30 characters. This is
an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Direction to Enter the direction to location of the machinery. Mandatory
Location
Machine Click this button to enter the details of the machine submitted as
Details collateral by the applicant. For details, see section on
Verifying Machine Details
Source Details Click this button to enter details of the sources from which you
gathered the information. For more information, see section

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on Entering Details of Sources of Information


Previous Appraisal
Market Price Enter the market price of the machinery given as collateral. This Mandatory
is a numeric field and you can enter up to 15 digits.
Maximum Enter the percentage maximum reliance value of the machinery Optional
Reliance Value given as collateral. The percentage value cannot be greater than
100
Name Enter the name of the previous appraiser. You can enter up to 30 Optional
characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
No. LPJ Enter the LPJ Number of the previous appraisal Optional
Date Enter the date, in the specified format, when the previous Optional
dd/mm/yyyy appraisal was done

Price of Collateral
Total Market Displays the total market value of the machinery given as Read-only
Value collateral. This is a numeric field and you can enter up to 15
digits.
Maximum Enter the percentage maximum reliance value of the machinery Optional
Reliance Value given as collateral. The % value cannot be greater than 100
%
Things to Affect Appraisal
Marketable Rate the marketability of the machinery given as collateral. You Optional
can enter up to 50 characters.
Others Rate the machinery on other qualities. You can enter up to 50 Optional
characters.
Strengths Enter the strengths of the machinery given as collateral. You can Optional
enter up to 200 characters.
Weakness Enter the weaknesses of the machinery given as collateral. You Optional
can enter up to 200 characters.
Conclusion Enter your conclusion on the machinery given as collateral. You Optional
can enter up to 200 characters.
Opinion Enter your opinion on the machinery given as collateral. You can Optional
enter up to 200 characters.
FOTO Optional
Name of Enter your name. You can enter up to 30 characters. This is an Optional
Appraiser alphanumeric field. You can also enter some special characters,
such as *, &, %, $, (, ), and @
Name of Enter the name of the supervisor. You can enter up to 30 Optional
Supervisor characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Next Appraisal Enter the next appraisal date, in the specified format Optional

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Date
dd/mm/yyyy
Collateral From the dropdown list, select the collateral classification. The Mandatory
classification options are
• Primary
• Secondary
• Additional
Collateral Sub From the dropdown list, select the collateral sub type. The Mandatory
Type options are
• Equipment - New
• Equipment - Used
Decision Mark your recommendation as Positive, Negative, or Neutral. Mandatory

3. Click Save.

The system saves the details.

Verifying Specific Details of Machinery

On the basis of your verification of the specific details of vehicle given as collateral by the
corporate applicant you can make modifications in the Collateral Appraisal Verification
(Machinery) pop-up window. Details entered in this screen are displayed to the underwriter and it
helps the underwriter take informed decision on the loan application.

To enter verification result of specific details:

1. On the Collateral Appraisal Verification (Machinery) screen, click Machine.

The Collateral Appraisal Verification (Machinery) pop-up window is displayed showing


specific details of the land and building given as collateral by the applicant.

Figure 8-19: The Collateral Appraisal Verification (Machine) pop-up window


2. Verify details and enter result as described in the following table:

Field Description Remarks

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3. Click close.

The details are added to the system and the Collateral Appraisal Verification (Machine)
screen is displayed.

You can also add verification results of more than one machine. To do this, click Add and repeat step
2 and3.
You can also view the address details of the machine. To do this, click Address.

Entering Machine Details

The verifying officer needs to physically inspect the machinery given as collateral by the
corporate applicant and enter its details, such as the serial number of the machine and its year of
manufacture.

To enter machinery details:

1. On the Collateral Appraisal Verification (Machinery) screen, click Machine Details.

The Collateral Appraisal Verification (Machine Details) pop-up window is displayed.

Figure 8-20: The Collateral Appraisal Verification (Machine Details) pop-up window
2. Enter details as described in the following table:

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Field Description Remarks

No. Invoice Enter the invoice number of the machinery given as collateral. Optional

Invoice Date Enter the invoice date, in the specified format, of the Optional
dd/mm/yyyy machinery given as collateral.

No. Facture Enter the facture number of the machinery. Facture number is Optional
the bill number issued to the person while purchasing the
machinery
Facture Date Enter the date on which the facture statement was issued to Optional
dd/mm/yyyy the applicant

No. Delivery Enter the delivery order number of the machinery given as Optional
order collateral.
Delivery order Enter the date, in the specified format, of delivery order of the Optional
Date machinery given as collateral.
dd/mm/yyyy
No. Receipt Enter the receipt number of the machinery given as collateral. Optional
Receive Date Enter the receipt date, in the specified format, of the Optional
dd/mm/yyyy machinery given as collateral.

Equipment Type Enter the equipment type of the machinery Optional


Brand Enter the brand of the machinery given as collateral Optional
Country Enter the country of manufacture of the machinery given as Optional
collateral
Year Of Make Enter the year of make, in the specified format, of the Optional
(yyyy) machinery given as collateral
Type Enter the type of the machinery given as collateral Optional
Serial No. Enter the serial number of the machinery given as collateral Optional
Work Capacity Enter the work capacity of the machinery given as collateral Optional
Purchase Price Enter the purchase price of the machinery given as collateral Mandatory
Net Market Value Enter the net market value of the machinery given as collateral Mandatory
Machine Benefit Enter the benefit age of the machinery given as collateral. Optional
age
Effective Age Enter the period for which the machinery will remain effective Optional
Economic Enter the economic percentage of the machinery given as Optional
Percentage collateral.
Economic Market Enter the market value of the machinery Optional
Value
Remarks Enter remarks, if any. Optional

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
of another machine, repeat steps 2 and 3. The system adds a new row for each machinery.

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Entering Details of Sources of Information

If you have gathered information from more than one source, you need to enter details of all the
sources. You can do this using the Collateral Appraisal Verification (Source Details) pop-up
window.

To enter details of sources of information:

1. On the Collateral Appraisal Verification (Machinery) screen, click Source Details.

The Collateral Appraisal Verification (Source Details) pop-up window is displayed.

Figure 8-21: The Inventory Appraisal Verification (Source Details) pop-up window
2. Enter details as described in the following table:

Field Description Remarks

Source Type Enter the category to which the source of verification belongs. Optional
This is an alphanumeric field
Source Name Enter the name of the source. This is an alphanumeric field. You Optional
can also enter some special characters, such as *, &, %, $, (, ),
and @
Telephone No. Enter the telephone number of the source of verification. This is Optional
1 a numeric field and you can enter up to 11 digits
Telephone Enter the alternate telephone number of the source of Optional
No.2 verification. This is a numeric field and you can enter up to 11
digits
Mobile 1 Enter the cell phone number of the source of verification. This is Optional
a numeric field and you can enter up to 11 digits
Mobile 2 Enter the alternate cell phone number of the source of Optional
verification. This is a numeric field and you can enter up to 11
digits
Fax 1 Enter the fax number of the source of verification. This is a Optional
numeric field and you can enter up to 11 digits
Fax 2 Enter the alternate fax number of the source of verification. This Optional
is a numeric field and you can enter up to 11 digits
Price Enter the price of the collateral as mentioned by the source of Optional
verification. This is a numeric field

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Date Enter the date, in the specified format, on which you contacted Optional
dd/mm/yyyy the source for verification
Remarks Enter remarks, if any. This is an alphanumeric field. You can also Optional
enter some special characters, such as *, &, %, $, (, ), and @.

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
for more than one source, repeat steps 2 and 3. The system adds a new row for each source.

You can enter address details of the source which provided information for verifying details of the
collateral. To do this, on the Collateral Appraisal Verification (Source Details) pop-up window, click
Address. The Address pop-up window is displayed. For field-level details, refer to Section 5.2.2
Entering Address Details.

1.1.1.5 Verifying Other Collateral Details


Under this category you can verify details of those collaterals which do not fall under any of the
specified collateral category. You can enter your verification result using the Collateral Appraisal
Verification (Others) screen.

To verify other collateral details:

1. On the Collateral Appraisal Verification screen, click the Others link.

The Collateral Appraisal Verification (Others) screen for the corporate applicant is displayed.

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Figure 8-22: The Collateral Appraisal Verification (Others) screen


2. Enter details as described in the following table:

Field Description Remarks

Others Click this button to view specific details of the collateral given -
by the applicant. You can also make modifications to these
details, if required. For more information, see section on
Verifying Specific Details of other Collaterals
External Enter the name of the external appraiser for the collateral. You Optional
Appraiser Name can enter up to 30 characters. This is an alphanumeric field.
You can also enter some special characters, such as *, &, %,
$, (, ), and @
External Enter the address of the external appraiser for the collateral. Optional
Appraiser You can enter up to 100 characters.
Address
Contact Person Enter the name of the person you contacted for appraising the Optional
collateral. You can enter up to 30 characters. This is an

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alphanumeric field. You can also enter some special


characters, such as *, &, %, $, (, ), and @
Area Code Enter the AREA code of the city, where the contact person Optional
lives. This is a numeric field and you can enter up to five digits
Contact Person Enter the phone number of the person you contacted for Optional
Phone 1 appraising the collateral.
Contact Person Enter the alternate phone number of the person you contacted Optional
Phone 2 for appraising the collateral
Contact Person Enter the cell phone number of the person you contacted for Optional
Mobile 1 appraising the collateral
Contact Person Enter the alternate cell phone number of the person you Optional
Mobile 2 contacted for appraising the collateral
Contact Person Enter the fax number of the person you contacted for Optional
Fax 1 appraising the collateral
Contact Person Enter the alternate fax number of the person you contacted for Optional
Fax 2 appraising the collateral
Survey Date Enter the date, in the specified format, on which you Mandatory
dd/m/yyyy conducted the survey for appraising the collateral.

Report Date Enter the date, in the specified format, on which you recorded Mandatory
dd/m/yyyy the survey result for appraising the collateral.

Purpose of Enter the purpose of making the appraisal. You can enter up Mandatory
Appraisal to 20 characters.
Registration No. Enter the registration number of the collateral. Mandatory
Sales Name Enter the name of the accounts officer who entered the details Optional
at the time of deal initiation. You can enter up to 30 characters.
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Direction to Enter the direction to location of the collateral. Mandatory
Location
Insurance Type Enter the insurance type of the collateral. Optional
Insurance Value Enter the insured value of the collateral. This is a numeric field Optional
and you can enter up to 15 digits.
Remarks Enter remarks, if any. You can enter up to 200 characters. Optional
Previous Appraisal
Market Price Enter the market price of the collateral. This is a numeric field Optional
and you can enter up to 15 digits.
Maximum Enter the percentage maximum reliance value of the collateral. Optional
Reliance Value The percentage value cannot be greater than 100
%
Name Enter the name of the previous appraiser. You can enter up to Optional
30 characters. This is an alphanumeric field. You can also

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enter some special characters, such as *, &, %, $, (, ), and @


No. LPJ Enter the LPJ Number. Optional
Date Enter the date, in the specified format, when the previous Optional
appraisal was done
Price of Collateral
Total Market Enter the total market value of the collateral. This is a numeric Mandatory
Value field and you can enter up to 15 digits.
Maximum Enter the percentage maximum reliance value of the collateral. Mandatory
Reliance Value The percentage value cannot be greater than 100
%
Things to Affect Appraisal
Marketable Rate the marketability of the collateral. You can enter up to 50 Optional
characters.
Others Rate the collateral on other qualities. You can enter up to 50 Optional
characters.
Strengths Enter the strengths of the collateral. You can enter up to 200 Optional
characters.
Weakness Enter the weaknesses of the collateral. You can enter up to Optional
200 characters.
Conclusion Enter your conclusion on the collateral. You can enter up to Optional
200 characters.
Opinion Enter your opinion on the collateral. You can enter up to 200 Optional
characters.
FOTO Optional
Name of Enter your name. You can enter up to 30 characters. This is Optional
Appraiser an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Name of Enter the name of the supervisor. You can enter up to 30 Optional
Supervisor characters. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Next Appraisal Enter the next appraisal date, in the specified format Optional
Date
dd/mm/yyyy
Collateral From the dropdown list, select the collateral classification. The Mandatory
classification options are
• Primary
• Secondary
• Additional
Collateral Sub From the dropdown list, select the collateral sub type. The Optional
Type options are
• Insurance Agency
• Others

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Decision Mark your recommendation as Positive, Negative, or Neutral. Optional

3. Click Save.

The system saves the details.

Verifying Specific Details of Other Collaterals

On the basis of your verification of the specific details of vehicle given as collateral by the
corporate applicant you can make modifications in the Collateral Appraisal Verification (Other)
pop-up window. Details entered in this screen are displayed to the underwriter and it helps the
underwriter take informed decision on the loan application.

To enter verification result of specific details:

1. On the Collateral Appraisal Verification (Other) screen, click Others.

The Collateral Appraisal Verification (Other) pop-up window is displayed showing specific
details of the land and building given as collateral by the applicant.

Figure 8-23: The Collateral Appraisal Verification (Other) pop-up window


2. Verify details and enter result as described in the following table:

Field Description Remarks

3. Click close.

The details are added to the system and the Collateral Appraisal Verification (Other) screen
is displayed.

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You can also add verification results of more than one collateral. To do this, click Add and repeat
step 2 and3.
You can also view the address details of the collateral. To do this, click Address.

Entering Details of Sources of Information

If you have obtained information from more than one source, you need to enter details of all the
sources. You can do this using the Collateral Appraisal Verification (Source Details) pop-up
window.

To enter details of sources of information:

1. On the Collateral Appraisal Verification (Others) screen, click Source Details.

The Collateral Appraisal Verification (Source Details) pop-up window is displayed.

Figure 8-24: The Collateral Appraisal Verification (Source Details) screen


2. Enter details as described in the following table:

Field Description Remarks

Source Type Enter the category to which the source of verification belongs. Optional
This is an alphanumeric field
Source Name Enter the name of the source. This is an alphanumeric field. You Optional
can also enter some special characters, such as *, &, %, $, (, ),
and @
Telephone No. Enter the telephone number of the source of verification. This is Optional
1 a numeric field and you can enter up to 11 digits
Telephone Enter the alternate telephone number of the source of Optional
No.2 verification. This is a numeric field and you can enter up to 11
digits
Mobile 1 Enter the cell phone number of the source of verification. This is Optional
a numeric field and you can enter up to 11 digits
Mobile 2 Enter the alternate cell phone number of the source of Optional
verification. This is a numeric field and you can enter up to 11
digits
Fax 1 Enter the fax number of the source of verification. This is a Optional
numeric field and you can enter up to 11 digits
Fax 2 Enter the alternate fax number of the source of verification. This Optional

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is a numeric field and you can enter up to 11 digits


Price Enter the price of the collateral as mentioned by the source of Optional
verification. This is a numeric field
Date Enter the date, in the specified format, on which you contacted Optional
dd/mm/yyyy the source for verification
Remarks Enter remarks, if any. This is an alphanumeric field. You can also Optional
enter some special characters, such as *, &, %, $, (, ), and @.

3. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
for more than one source, repeat steps 2 and 3. The system adds a new row for each source.

You can enter address details of the source which provided information for verifying details of the
collateral. To do this, on the Collateral Appraisal Verification (Source Details) pop-up window, click
Address. The Address pop-up window is displayed. For field-level details, refer to Section 5.2.2
Entering Address Details.

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9
Verifying Financial and Non-
Financial Details
The financial viability of corporate customers depends on many
factors, including the turnover of the business and credit taken and
given by the applicant. Therefore, before approving a loan application,
banks check the financial and non-financial details of the corporate
applicant.
In case the applicant has taken loans from any other institution, banks
verify the amount of loan taken and the repayment history of the
customer. This gives and idea whether the applicant is genuine or is a
fraud who takes loan never to repay it on time.
Banks also analyse the transactions performed by the applicant to see
the volume of business and nature of customers that the applicant
deals with.
Verifying financial and non-financial details of the applicant involves
the following tasks:
• Verifying details of ageing debtors
• Verifying details of loan repayment
• Verifying details of bank statement
• Verifying details of exposure of the corporate applicant

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9.1 Verifying Non-Financial Details


The non-financial details that need to be verified by the bank include details of debtors of the
corporate applicant and information such as, the duration from which the debtors have not paid
the dues. Besides, banks also need to verify whether the corporate applicant has taken a loan
from any other lending institution and if so how much is the instalment amount and the tenure of
the loan. You can enter these details using the Ageing Debtors & Creditors screen.
The Ageing Debtors & Creditors screen allows you to verify and enter the following:
1. Details of the ageing debtors of the corporate applicant
2. Details of loan repayments of the corporate applicant
Besides, it also allows you to check if the corporate applicant fulfills the minimum infrastructure
and other requirements needed to avail the loan.

9.1.1 Verifying Details of Ageing Debtors


Verifying details of ageing debtors helps the bank know how many debtors the corporate
applicant has and what the amount due from them is. This information gives a more clear picture
of the financial viability of the applicant.

To verify ageing debtors details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Loan
Æ Bank Account Checking.
The Bank Checking Activity search screen is displayed.
2. Use the search criteria and select the Application Id, non-financial details of which you want
to verify, and click the Application Id link.

The Ageing Debtors And Creditors screen is displayed.

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Figure 9-1 The Ageing Debtors And Creditors screen

You can also search the Application Id from the list of application Ids displayed below the search
fields. However, using the search criteria narrows down your search.

3. Enter details as described in the following table:

Field Description Remarks

Ageing Debtors And Creditors


No of Loans Displays the number of loans analysed for ageing debtors and Read-only
Analyzed creditors of the corporate applicant.
Ageing Debtors Displays the grade given by the system to the ageing debtors Read-only
Analysis Grade of the corporate applicant
Comment Enter your comments on the ageing debtors and creditors of Optional
the corporate applicant
Ageing Debtors %
Current Enter the percentage of debtors whose date of paying the Optional
dues has not yet expired
Past Due 1-30 Enter the percentage of debtors who are between 1to 30 days Optional
Days behind schedule in paying their dues to the applicant

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Past Due >30 Enter the percentage of debtors who are more that 30 days Optional
Days behind schedule in paying their dues to the applicant

4. Click Save.

The system saves the details.

The system saves the details only if the total sum of Ageing Debtor is equal to 100%

9.1.2 Verifying Loan Repayment Details


The loan repayment details of the corporate applicant helps the bank know if the applicant has
already taken a loan from any lending institution, and if so what is the amount taken, how much of
it has been repaid, and how may instalments and amount is yet to be repaid. You can verify these
details from banks and other sources and enter verification result using the Ageing Debtors And
Creditors screen.

To verify loan repayment details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Bank Account Checking.
The Bank Account Checking search screen is displayed.
2. Use the search criteria and select the application Id whose non-financial details you want to
verify, and click the Application Id link.
The Ageing Debtors And Creditors screen is displayed.

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Figure 9-2 The Ageing Debtors & Creditors screen


3. Enter details (in the Loan Repayment Records section) as described in the following table:

Field Description Remarks

Final Loan Displays the final loan repayment grade assigned to the Read-only
Repayment corporate applicant by the system
Grade
Loan Amount Enter the amount taken as loan by the corporate applicant. Mandatory
This is a numeric field and you can enter up to 15 digits
Financer/Lender Enter the name of the financier or the bank from which the Mandatory
Name corporate applicant has an existing loan arrangement.
You can enter up to 100 characters. This is an alphanumeric
field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Type of Loan From the dropdown list, select the type of loan product, such Optional
(Product) as Working Capital and Treasury, taken by the corporate
applicant. The dropdown list displays the types of loans, as
defined in the Product Master
Enter the date, in the specified format, on which the loan will Optional
Maturity Date mature. You can also select the date by clicking .

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EMI Amount Enter the amount of monthly instalment that the corporate Optional
applicant is paying/has to pay for the loan taken. This is a
numeric field and you can enter up to 15 digits
Collectibility From the dropdown list, select appropriate option to indicate if Mandatory
the applicant is paying the instalment amount smoothly or the
bank/financing institution is facing difficulty in collecting the
amount. The options are:
• Current: To indicate that the process of repayment is still
going on
• Special Mention: To indicate that the repayment process is
very smooth and needs special mention
• Sub Standard: To indicate that loan repayment is sub-
standard
• Doubtful: To indicate that loan repayment seems doubtful
• Lost: To indicate that the case is lost
Repayment From the dropdown list, select the repayment ability of the Mandatory
Ability corporate applicant. The options are:
• Payment On Time
• <=7days-Max 1 in last 3 months
• <=7days-Max 2 in last 3 months
• <=30days-Max 2 in last 6 months
• (BRP/Coop)<=7days-Max 1 in last 6 months
• Out of Criteria
Currency From the dropdown list, select the type of currency in which Mandatory
the corporate applicant pays the amount. The dropdown list
displays those options which are defined in the Currency
Master
Repayment Displays the final loan repayment grade assigned to the Read-only
Grade corporate applicant by the system.
BI checking Displays the BI checking grade assigned to the corporate Read-only
Grade applicant by the system.

4. Click Add.

The system saves the record and displays it in a grid below the entry fields. To enter details
for more than one loan repayment record, repeat steps 3 and 4. The system adds a new row
for each record.

9.1.3 Verifying Compliance


All banks have certain set standards and rules that customers need to satisfy to get a loan.
Whenever a new application comes for loan approval the bank check if the corporate applicant
meets the standards set for availing the loan. To help the verifying officer carry out this activity
CAS has a checklist which details all the pre-requisites for availing the loan. You can check if the
corporate applicant meets these criteria and make suitable entries, so that the underwriter can
take appropriate decision.

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To verify compliance:

1. On the Ageing Debtors & Creditors screen, click Compliance Checklist .

The Compliance Question screen is displayed.

Figure 9-3 The Compliance Question screen


2. From the dropdown list against each question, select the appropriate option. The options are:
a. Yes: If the corporate applicant fulfils the criteria
b. No: If the corporate applicant does not fulfil the criteria
c. NA: If the criteria is not applicable for the corporate applicant
3. Click Update.

The system saves your responses and makes these available on the underwriter screen.

9.2 Verifying Details of Bank Statement


The bank statements of corporate applicants give details of all transactions done by the applicant
with the bank. This helps you check the financial viability of the corporate applicant. CAS helps
you fetch the bank statement of the applicant from the host system. However, this is possible only
if the applicant has account in the same bank that is using CAS. On the basis of the bank
statement details, CAS calculates the financial viability of the corporate applicant and assigns
grades.

To verify bank statement details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Bank Account Checking.
The Bank Account Checking search screen is displayed.
2. Use the search criteria and select the Application Id for which you want to enter bank
statement details, and click the Application Id link.

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The Ageing Debtors & Creditors screen is displayed.


3. Click the Bank Account Analysis tab.
The Bank Account Analysis screen is displayed.

Figure 9-4 The Bank Account Analysis screen


4. Enter details as described in the following table:

Field Description Remarks

No of Banks Displays the number of banks where the accounts of the Read-only
Analyzed corporate applicant have been analysed.
Banking From the dropdown list, select the type of banking relationship Read-only
Relationship the corporate applicant has with the bank. The options are:
• Full Relationship
• Main Lending
• Partial Relationship
Monthly Sales Displays the monthly sales of the corporate applicant, as per Read-only
the results of the bank account analysis
Bank Account Analysis
Account Number Enter the account number of the corporate applicant. This is Mandatory

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an alpha numeric field and you can enter up to 16 characters


Statement Period Enter the start date, in the specified format, of the period for Mandatory
From which you want to verify the bank statement. The system will
dd/mm/yyyy analyse statements of the corporate applicant from this date
Statement Period Enter the end date, in the specified format, of the period for Mandatory
To dd/mm/yyyy which you want to verify bank statement details. The system
will analyse statements of the corporate applicant till this date
Account With From the dropdown list, select the name of the bank in which Mandatory
the corporate applicant holds an account
Account Branch Enter the name of the bank branch where the corporate Optional
applicant holds an account. You can enter up to 25 characters.
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Account Type From the dropdown list, select the type of account the Mandatory
corporate applicant holds. The options are:
• Current
• Savings
• OD Current
No Of Avg Credit Enter the average number of credit transactions the corporate Optional
Transaction/Mont applicant has every month. It describes the amount that comes
h into the account of the applicant. This is a numeric field and
you can enter up to two digits
Average Enter the average number of debit transactions the corporate Optional
Debits/Month applicant has every month. It describes the amount that goes
from the account of the applicant. This is a numeric field and
you can enter up to two digits
Currency From the dropdown list, select the currency in which the Mandatory
corporate applicant holds the account. The dropdown list
displays only those currencies which are defined in the
Currency Master
Month Enter the number of months for which you are analysing the Optional
statements of the corporate applicant.
Year(YY) Enter the year, in the specified format for which you are Optional
analysing the bank statements of the corporate applicant.
Credit Turnover Enter the credit turnover of the corporate applicant for the Optional
specified month and year. This is a numeric field and you can
enter up to 15 digits
Highest Balance Enter the highest balance the corporate applicant had in Optional
account for the specified month and year. This is a numeric
field and you can enter up to 15 digits
Lowest Balance Enter the lowest balance that the corporate applicant had in Optional
the account for the specified month and year. This is a
numeric field and you can enter up to 15 digits

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Swing amount Displays the swing amount of the corporate applicant for the Read-only
specified month and year.
% of swing Displays the percentage of swing for the specified month and Read-only
year.
Bounce Cheque Enter the sum total of the amount written on various cheques Optional
Amount of the corporate applicant that bounced during the specified
month and year
Frequency Enter the frequency of check bounces of the corporate Optional
applicant in the specified month and year
Over Limit Enter the amount overdrawn by the corporate applicant in the Optional
Amount specified month and year.
Over Limit Enter the frequency of over limit of the corporate applicant in Optional
Frequency the specified month and year.
Total Enter the total figure for credit turnover, highest balance, Optional
lowest balance, swing amount, % of swing, bounce cheque
amount, frequency, over limit amount, and over limit frequency
respectively of the corporate applicant for all the months and
years analysed by you.
No of Bounced Enter the number of bounced cheques of the corporate Optional
Cheques in First applicant in the first three months of the year. This is a
3 Months numeric field and you can enter up to two digits
No of Bounced Enter the number of bounced cheques of the corporate Optional
cheques in last 3 applicant in the last three months of the year. This is a numeric
months field and you can enter up to two digits
No of Excess Enter the number of times the corporate applicant withdrew Optional
Over Limit in amount more than the credit limit in the first three months of
First 3 Months the year. This is a numeric field and you can enter up to two
digits
No of Excess Enter the number of times the corporate withdrew amount Optional
Over Limit in Last more than the credit limit in the last three months of the year.
3 months This is a numeric field and you can enter up to two digits
Non OD Limit Enter the non overdraft limit of the corporate applicant. This is Mandatory
a numeric field and you can enter up to 15 digits
OD Limit Enter the limit of the amount that the corporate applicant can Mandatory
withdraw over and above the amount present in the savings
account. This is a numeric field and you can enter up to 15
digits
Average Non OD Enter the average non-overdraft utilization of the corporate Mandatory
Utilization applicant. This is a numeric field and you can enter up to 15
digits
Average OD Displays the average overdraft utilization of the corporate Read-only
Utilization applicant.
Average Credit Displays the average credit turnover of the corporate Read-only

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Turnover applicant.
Average Swing Displays the average swing of the corporate applicant. Read-only
Average Swing Displays the average swing percentage of the corporate Read-only
% applicant.
Working Capital Displays the working capital limit of the corporate applicant. Read-only
Limit Working capital is the amount of capital or current assets
available to a company for running day-to-day
expenditures
Average Working Displays the average working capital utilization of the Read-only
Capital Utilization corporate applicant.
Average Credit Displays the average credit reflect sales percentage of the Read-only
Reflect Sales % corporate applicant.
Average Working Displays the average working capital utilization percentage of Read-only
Capital Utilization the corporate applicant.
%

5. Click Add.

The system saves the record and displays it in a grid below the entry field. To enter details for
more than one record, repeat steps 4 and 5. The System adds a new row for each record.

You can also view the consolidated bank statement of the corporate applicant. To do this, click View
Summary.

9.3 Verifying Exposure Details


Banks verify the exposure of the corporate applicant to the Central Liability System of the bank.
You can check this using the Exposure Information screen.

To verify exposure:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Bank Account Checking.
The Bank Account Checking search screen is displayed.
2. Use the search criteria and select the application Id whose bank statement you want to enter,
and click the Application Id link.
The Ageing Debtors & Creditors screen is displayed.
3. Click the Exposure Information tab.
The Exposure Information screen is displayed

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Figure 9-5 The Exposure Information screen


4. Enter details as described in the following table:

Field Description Remarks

Exposure Information
Group Code Enter the group code of the corporate applicant. You can enter Optional
up to 20 characters
Group Limit Enter the group limit of the corporate applicant Optional
LLL Enter the legal lending limit of the bank or financier. The Legal Optional
Lending Limit is the maximum amount of money a bank can
lend on an unsecured basis to a single borrower or a
combination of financially related borrowers. The legal lending
limit is established by law and is expressed as a percentage of
the bank's capital and surplus
LLL Exceeded From the dropdown list, select Yes or No to indicate whether Optional
the bank or financier is exceeding the legal lending limit

5. Click Save.

The system saves the details and displays the following message:
Data Saved Successfully.
6. Enter details in the Facility section, as described in the following table:

Field Description Remarks

Sub Product From the dropdown list, select the sub product opted by the Optional
corporate applicant. The dropdown list displays options
maintained in the masters
Facility From the dropdown list, select the facility opted by the Optional
corporate applicant. The dropdown list displays options
associated with the selected sub-product
Existing Plafond Enter the existing ceiling of loan, in IDR, for the corporate Optional

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(IDR) customer (in IDR). This is a numeric field and you enter up to
15 characters
Existing OS Enter the existing OS of the corporate applicant (in IDR). This Optional
(IDR) is a numeric field and you enter up to 15 characters
New Proposed Enter the new proposed OS of the corporate applicant (in Optional
(IDR) IDR). This is a numeric field and you enter up to 15 characters
Total Proposed Displays the total proposed OS of the corporate applicant (in Read-only
IDR). This is a numeric field and you enter up to 15 characters
Maturity Enter the date of maturity of the OS of the corporate applicant Optional
(dd/mm/yyyy) in the specified format

7. Click Add.

The system saves the record and displays it in a grid below the entry field. To enter details for
more than one record, repeat steps 6 and 7. The system adds a new row for each record.

9.4 Viewing Sales Recap


Some corporate applicants belonging to small enterprises may not be having a huge turnover.
Nor will these be maintaining a balance sheet or a profit and loss statement. To judge the
financial worth and creditworthiness of these applicants banks often ask for vouchers. The
vouchers give a picture of the financial transactions of the applicants and help the bank estimate
the turnover and paying capacity of these applicants. Using the Sales Recap screen of CAS you
can enter details of transactions as maintained in the vouchers collected from such applicants.

To analyse vouchers:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ Bank
Account Checking.

The Bank Account Checking Search screen is displayed.


2. Use the search criteria and select the Application Id for which you want to enter bank
statement, and click the Application Id link.
The Ageing Debtors & Creditors screen is displayed.
3. Click the Sales Recap tab.
The Sales Recap screen is displayed.

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Figure 9-6: The Sales Recap screen


4. Enter details in the Bank Account Analysis section, as described in the following table:

Field Description Remarks

Month Enter the month as mentioned on the document presented by Mandatory


the corporate applicant. You can enter up to two characters
Year (YY) Enter the year, in the specified format, as mentioned on the Mandatory
document presented by the corporate applicant
Sales Amount Enter the sales amount as mentioned in the document Mandatory
presented by the corporate applicant. This is a numeric field
and you enter up to 15 characters
Total Displays the total sales amount of the corporate applicant in all Read-only
the months for which documents have been furnished. This is
a system calculated value
Monthly Sales Displays the monthly sales amount of the corporate applicant Read-only
Average Monthly Displays the average monthly sales amount of the corporate Read-only
Sales applicant.
Average Credit Displays the average credit reflect sales of the corporate Read-only
Reflect Sales % applicant.

5. Click Update.

The system saves the details and displays the following message:
Data Saved Successfully.

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10
Investigating Contact Details
Banks investigate contact details of applicants to establish the
truthfulness and validity of the details provided in the application. This
task is carried out for all new applicants. However, in case of existing
customers, the verification is carried out only when the requested loan
amount exceeds the specified limit. The investigation can be carried
out either by an agency or a designated surveyor. The process of
investigation is carried out in the following three stages:
• Initiating the investigation process: In this stage, those
applications are selected which need to be forwarded for
investigation.
• Making report of investigation: In this stage, the representatives
of the verifying agencies or the individual appraisers record their
results after conducting field visits and telephonic checks on the
applications forwarded for verification.
• Analysing details and taking decision: In this stage, the bank
views and appraises the investigation results and either approves
or rejects these.
The result of these investigations are made available to the
underwriter, so that the underwriter takes an informed decision on the
loan application.

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10.1 Initiating Investigation


The applications that are to be verified for truthfulness and validity of details need to be allocated
to the verifiers. This activity is known as initiation of investigation and is performed by a user
having the access rights of the supervisor. You can initiate contact investigation using the FI
Initiation Detail screen.

To refer an application for investigation:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Investigation Æ Initiation.
The FI Initiation Detail screen is displayed.

Figure 10-1: The FI Initiation Details screen


2. Enter/view details as described in the following table:

Field Description Remarks

Verification For From the dropdown list, select the entity that you want to Mandatory
Entity verify.
App ID Enter the unique identification number of the application, Optional
details of which you want to verify
Product From the dropdown list, select the product category of the loan Mandatory
application you want to verify. The options are:
• Overdraft Working Capital
• Working Capital Term Loan
• Demand Loan-Working Capital
Scheme From the dropdown list, select the scheme under which the Optional
applicant, for whom you want to initiate verification, has sought
loan

3. Click Search.

The details of the applications matching the specified search criteria are displayed below the
entry fields.
4. From the Business Verification dropdown list (of the Entity ID whose details you want to be
verified), select the name of the verifying agency and click Add.

The application moves for verification to the selected verifying agent.


You can waive off the verification process for an application by marking the corresponding Waiver
check box.

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10.2 Maintaining Verification Report


The investigating agency investigates the contact point details of each corporate applicant. An
executive of the agency visits the office and residential premises of the corporate applicant as per
the address and records mentioned in the details. This is followed by telephonic verification of the
same. Records of all these verifications are maintained in CAS.

To make report of investigation:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Investigation Æ Verification.
The FI Verification Detail search screen is displayed.
2. Use the search criteria and select the Application Id for which you want to verify details.
The Field Investigation Verification screen is displayed for the selected Application Id,
showing the Business Verification link.

Figure 10-2: The Field Investigation Verification screen


3. Click the Business Verification link.

The Field Verification screen is displayed.

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Figure 10-3: The Field Verification screen


4. After conducting the verification, enter details in all the fields, as described in the following
table:

Field Description Remarks

Application Details
File order # Enter the file order number of the corporate applicant. You can Optional
enter up to 16 characters

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Surveyor Name Enter the name of the surveyor. This is an alphanumeric field. Optional
You can also enter some special characters, such as, such as
*, &, %, $, and @.
Applicant name Enter the name of the corporate applicant. This is an Mandatory
alphanumeric field. You can also enter some special
characters, such as, such as *, &, %, $, and @.
Applicant Type From the dropdown list, select the type of applicant Optional
Company name Enter the name of the corporate applicant. This is an Mandatory
alphanumeric field. You can also enter some special
characters, such as, such as *, &, %, $, and @.
Office address Enter office address of the corporate applicant. This is an Mandatory
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @.
Date time survey Enter the date (in dd/mm/yyyy format) and time (in hh:mm:ss Mandatory
dd/mm/yyyy format) of the survey
hh:mm:ss
Address Mark the option button to indicate if the address of the Optional
Confirmed corporate applicant has been confirmed
Following are based on information obtained from applicant/colleague/employee
Person met Enter the name of the person whom the verifier met for Mandatory
investigating details of the corporate applicant. This is an
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @.
Relationship with Enter the relationship the person who provided information has Optional
applicant with the corporate applicant
Company name Enter the name of the corporate applicant. This is an Mandatory
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @.
Debtor position Enter the debtor position of the corporate applicant. Optional
Year of Enter the years of experience the applicant has in this Optional
experience in company
company
Previous job (if Enter the previous jobs the applicant was doing. You need to Optional
<2 yrs) enter this details if the applicant has been in this job for less
than two years
Business Type Mark the appropriate option button to indicate the business Optional
type of the applicant.
Corporate Size Mark the appropriate option button to indicate the corporate Optional
size of the applicant.
Employee Mark the appropriate option button to indicate the number of Optional
Numbers people who are employed in the company of the applicant
Activity Level Mark the appropriate option button to indicate the activity level Optional

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of the corporate applicant.


Average monthly Enter the average monthly turnover of the corporate applicant Optional
turnover
No. of customer Enter the number of customers the corporate applicant deals Optional
per day with every day. This is a numeric field
Employment Mark the appropriate option button to indicate the employment Optional
type the corporate applicant.
Is the business Enter if the business of the corporate applicant is family Optional
family owned? owned. This is an alphanumeric field. You can also enter some
special characters, such as *, &, %, $, (, ), and @.
Detail of any Enter details of any other property owned by the corporate Optional
other property applicant. This is an alphanumeric field. You can also enter
owned some special characters, such as *, &, %, $, (, ), and @.
Business board Mark the appropriate option button to indicate if business Optional
seen outside board was seen outside the building or office of the corporate
Building/Office applicant.
The following is based on the Verifier’s Observation
Source of Enter your source of information. This is an alphanumeric field. Optional
information You can also enter some special characters, such as *, &, %,
$, (, ), and @
Designation Enter the designation of the source of information Optional
Office Location Mark the appropriate option button to indicate the office Optional
location of the corporate applicant.
Office Facilities Mark the appropriate option button to indicate the office Optional
facilities of the corporate applicant.
Office Mark the appropriate option button to indicate the office Optional
Surroundings surroundings of the corporate applicant.
Office Building Mark the appropriate option button to indicate the office Optional
Type building type of the corporate applicant.
Area of office Mark the appropriate option button to indicate the type of area Optional
where the office of the corporate applicant is located.
Construction of Mark the appropriate option button to indicate the type of Optional
Office construction of the office of the corporate applicant.
Exteriors Mark the appropriate option button to indicate the type of Optional
exteriors of the office of the corporate applicant.
Interiors Mark the appropriate option button to indicate the type of Optional
interiors of the office of the corporate applicant.
Miscellaneous
Additional Enter any additional information you got about the corporate Optional
information applicant
Other information Enter any other information you got about the corporate Optional

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applicant
Negative Enter any negative feedback you got from the corporate Optional
feedback, if any applicant
Income Figures
Annual income Enter the annual income of the corporate applicant from the Optional
(Prime Source) prime source of earning. This is a numeric field and you can
enter up to 15 digits
Other income Enter the annual income of the corporate applicant from other Optional
Annual Figures sources. This is a numeric field and you can enter up to 15
digits
Total Income Enter the total annual income of the corporate applicant from Optional
Annual Figures all the sources. This is a numeric field and you can enter up to
15 digits
Operational cost Enter the operational costs of the corporate applicant. This is a Optional
numeric field and you can enter up to 15 digits
Other liabilities Enter other liabilities of the corporate applicant. This is a Optional
numeric field and you can enter up to 15 digits
Net total income Enter the net annual income of the corporate applicant from all Optional
annual figures the sources. This is a numeric field and you can enter up to 15
digits
Details of business associates
Names of Enter the name of the topmost supplier of the corporate Optional
topmost supplier applicant. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @.
Names of second Enter the name of the second major supplier of the corporate Optional
supplier applicant. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @.
Names of third Enter the name of the third major supplier of the corporate Optional
supplier applicant. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Number of client Enter the number of clients of the corporate applicant. This is a Optional
numeric field and you can enter up to three digits
Credit period (no. Enter the credit period (in days) given by the supplier to the Optional
of Days) From corporate applicant. This is a numeric field and you can enter
supplier up to three digits
Credit period (no. Enter the credit period (in days) given by the applicant to the Optional
of Days) to customers. This is a numeric field and you can enter up to
customer three digits
To be obtained by Credit Analyst either during visit or on telephone Details of loans taken
First Financier Enter the name of the first financier of the corporate applicant. Optional
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @.

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Second Financier Enter the name of the second financier of the corporate Optional
applicant. This is an alphanumeric field. You can also enter
some special characters, such as *, &, %, $, (, ), and @
Third Financier Enter the name of the third financier of the corporate applicant. Optional
This is an alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
First Amount Enter the amount financed by the first financier. This is a Optional
numeric field and you can enter up to 15 digits
Second Amount Enter the amount financed by the second financier. This is a Optional
numeric field and you can enter up to 15 digits
Third Amount Enter the amount financed by the third financier. This is a Optional
numeric field and you can enter up to 15 digits
Number of EMI’s Enter the number of EMIs paid by the corporate applicant Optional
paid for first against the first loan. This is a numeric field and you can enter
amount up to 3 digits
No. of EMI’s paid Enter the number of EMIs paid by the corporate applicant Optional
for second against the second loan. This is a numeric field and you can
amount enter up to 3 digits
No. of EMI’s paid Enter the number of EMIs paid by the corporate applicant Optional
for third amount against the third loan. This is a numeric field and you can enter
up to 3 digits
First Financier Enter the name of the first financier of working capital loan to Optional
the corporate applicant. This is an alphanumeric field. You can
also enter some special characters, such as *, &, %, $, (, ),
and @.
Second Financier Enter the name of the second financier of working capital loan Optional
to the corporate applicant. This is an alphanumeric field. You
can also enter some special characters, such as *, &, %, $, (,
), and @.
Third Financier Enter the name of the third financier of working capital loan to Optional
the corporate applicant. This is an alphanumeric field. You can
also enter some special characters, such as *, &, %, $, (, ),
and @.
Hypothecated Enter the value of the security or collateral pledged for the first Optional
against working capital loan by the corporate applicant. This is a
numeric field and you can enter up to 15 characters
Hypothecated Enter the value of the security or collateral pledged for the Optional
against second first working capital loan by the corporate applicant.
This is a numeric field and you can enter up to 15 characters
Hypothecated Enter the value of the security or collateral pledged for the Optional
against third first working capital loan by the corporate applicant. This
is a numeric field and you can enter up to 15 characters
CPV rejected for the following reasons

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Wrong address Mark the check box if the CPV was rejected due to wrong Optional
address
Applicant is not Mark the check box if the CPV was rejected because the Optional
known at the corporate applicant was not known at the office
office
Unable to locate Mark the check box if the CPV was rejected because the Optional
office verifier was not able to locate the office
Premises is not Mark the check box if the CPV was rejected because the Optional
permanent premise was not a permanent structure
structure
Applicant is Mark the check box if the CPV was rejected because the Optional
Contractual/daily corporate applicant was a contractual/daily wage earner
wage earner
Applicant is on Mark the check box if the CPV was rejected because the Optional
the Negative corporate applicant was on the negative database
database
Negative Mark the check box if the CPV was rejected because of Optional
reference check negative information about the applicant from the references
No activity at the Mark the check box if the CPV was rejected because there Optional
office was no activity at the office
No Mark the check box if the CPV was rejected because the Optional
furniture/asset verified did not find any asset at the office
sighted at office
Recommendation
Verifiers Name & Enter your (verifier’s) name and signature. This is an Optional
Signature alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @.
Verifiers Enter your (verifier’s) comments, if any. This is an Optional
Comment alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Supervisor’s Enter the supervisor’s signature. This is an alphanumeric field. Optional
Signature You can also enter some special characters, such as *, &, %,
$, (, ), and @
Surveyor Seal Enter the surveyor’s seal Optional
Positive Mark this check box to indicate that your (verifier’s) decision Mandatory
on the application is positive
Neutral Mark this check box to indicate that your (verifier’s) decision Mandatory
on the application is neutral
Negative Mark this check box to indicate that your (verifier’s) decision Mandatory
on the application is negative

5. Click Save.

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The system saves the details and displays the following message:
Data Saved Successfully.

10.3 Analysing Verification Result and Taking


Decision
After the investigation reports are entered, the FI executive appraises the report and grades the
applicant as positive, negative, or neutral. The bank then verifies this result.

To analyse details:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Investigation Æ Completion.
The FI Completion search screen is displayed.
2. Use the search criteria and select the Id of the application whose details you want to verify.
The Field Completion Details screen is displayed.

Figure 10-4: The Field Completion Details screen


The following details are displayed:

Field Description

Verification Type Displays the type of verification done. This version of the system maintains result
of only business verification. Therefore, value in this field for all applications will
be Business Verification
Result Displays the result of the verification as entered by the verifier. It can be
Positive, Negative, or Neutral.
Agency/Bureau Displays the name of the agency that conducted the investigation
Agent Name Displays the name of the agent who conducted the investigation
Date Displays the date, in the specified format, on which the investigation details were
entered
No of Attempts Displays the number of times the field investigation process was initiated and
carried out
Remarks Displays the remarks entered by the surveyor/investigator

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3. Review the verification details, and in the Verify Appraiser’s Decision field, select the
appropriate value from the dropdown list:
• Negative: To reject the appraiser’s decision
• Positive: To approve the appraiser’s decision
This option only allows you to certify or reject the verifier’s decision. That means, if the
verifier has made a negative decision, and you click positive, still the verifier’s decision
remains in effect and stays as negative.

4. In the Verify Appraiser Comments field, enter remarks for your decision.
5. Click Save.

The system saves the details and displays the following message:

Your Request for Application No: <the application number> has been processed successfully.
6. Click Exit.

The system saves the details and the verifier’s recommendations and moves the application
to the next stage of the loan processing.

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11
Taking Decision on Application
Banks take decisions on loan applications on the basis of the result of
various investigations conducted on the applicant. These
investigations try to establish if the details given by the applicant are
true and valid, the applicant is financialy viable and has a good market
reputation.
Taking a final decision on the application is also known as underwriting
the loan application. Before taking the decsion, the underwriters also
take into account the credit ratings assigned to the applicant by the
system. If the underwriter approves the application, the bank informs
the applicant about the approved credit-line. On receiving a go-ahead
by the applicant the bank sends an offer-letter to the applicant.
However, if the application is not approved, the system sends it to the
rejection queue, from where it can be either sent for reconsideration or
be permanently rejected. Taking decision on loan application involves
the following tasks:

• Underwriting a loan application


• Reviewing loan rejection

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11.1 Underwriting a Loan Application


The loan underwriter takes decision after reviewing the records given by the applicant and the
results of various investigations performed on the applicant. Underwriting a loan mainly involves
the following tasks:
• Analysing details of employment, assets, credit, and repayment abilities of the corporate
applicant
• Matching the loan amount, rate, and tenure with the corporate applicant details
The underwriter is also authorized to verify and validates the details entered in the system. Based
on all the verification and checks the application has gone through, the underwriter can take one
of the following decisions:
a. Approve the loan application
b. Reject the loan application
c. Forward the application to another user for further verification or action

The process of underwriting can be done at both the deal and tranche level. At the deal level
underwriting an application is mandatory. However, at tranche level it is done only if the deal
underwriter demands so.

To underwrite a loan:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Credit Approval.
The Underwriting search screen is displayed.
2. Use the search criteria and select the Id of the application that you want to underwrite.
The Underwriter screen for the selected Application Id is displayed.

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Figure 11-1: The Underwriter screen


3. Verify information in all the fields, as described in the following table.

Field Description

Summary Loan Displays the following details:


Details • Customer Name: Name of the corporate applicant
• Product: Name of the loan product for which the corporate applicant has
applied.
View CSC Summary: Click this tab to view the CSC summary of the corporate
applicant..
View Financial Analysis: Click this tab to view the financial analysis report for
the corporate applicant.
Collateral Valuation: Click this tab to view the valuation of the collaterals
submitted by the corporate applicant.
Grade Details Displays the following details:
• Line Requested Amount:

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• System Final Grade: Final grade assigned to the application by the system.

Intent Indicators • Policy Results: Click View File tab to view the results of policy scoring for the
selected application.
• Scoring Results: Click View File to view the scoring result for the selected
application.
• Fuzzy Results: Click View File to view the fuzzy result of for the selected
application.
• FI Results: Click FI Report to view the field investigation result of for the
selected application. Click FI Re-Initiation to reinitiate the process of contact
point verification for the selected application.
• Dedupe Results: Click View File to view the de duplication result of for the
selected application.
• CAM: Click CAM Summary to view the CAM summary of the selected
application.
• Deviation Process: Click Initiate Deviation Process to initiate the process of
deviation for the selected application.

4. In the Deviation dropdown list, select the type of deviation you want to apply.
• Risk Grade Deviation Buyer
• Risk Grade Deviation Supplier

5. In the description field, enter the description of Deviation.


6. Click Add to List to add the deviation

The details are displayed in a grid above the entry fields.

7. In the Mitigants dropdown list, select the risk mitigant type you want to apply to the applicant.
The dropdown list displays those options, which are defined in the Product Master.
8. In the description field, enter the description of mitigants.
9. Click Add to List to add the mitigants

The details are displayed in a grid above the entry fields.


10. In the Decision dropdown list, select one of the following options:

• Cancel: To indicate that the loan has been cancelled on the basis of the given information.
• Reject: To indicate that loan cannot be given to the corporate applicant on the basis of the
given information

• Approve: To indicate that loan can be given to the corporate applicant on the basis of the
given information. An application cannot be approved if the Negbase results have not
been received for that application. Both Deviation and Eligibility must be triggered before
the application can be approved.
• Forward: To forward the loan application to another user/the CPV stage for further action

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11. To forward the loan application to another user, from the Select Role and Select User
dropdown lists, select the role and user name of the person to whom you want to forward the
application.
12. In the Ratifier dropdown list, select the name of the ratifier, if required.

The application will be forwarded to the selected user when you click Save and Proceed after
completing other details.

13. Enter details in the Decision Sheet section, as described in the following table.

Field Description Remarks

Reason / Special From the dropdown list, select the reasons or special Mandatory
Condition conditions on the basis of which the decision on loan
application has been taken
Reason Displays the description of the selected reason or special Read only
Description condition
Reason Enter any additional comments on the decision, if any Optional
Comments

14. Enter details in the Sanction Loan Amount section, as described in the following table.

Field Description Remarks

Loan Amount Enter the amount sanctioned to the corporate applicant. This is Mandatory
Sanctioned a numeric field
Sanction Memo Enter the sanction memo number for the application Optional
No
Sanction Valid Enter the date (in dd/mm/yyyy format) till which the sanction is Optional
Date valid. You can also select the date from the calendar
Approval Mark this check box if you want that approval be obtained at Optional
Required at tranche level also for this application
Tranche

15. Enter details in the Facility Approval section, as described in the following table.

Field Description Remarks

Sub Product From the dropdown list, select the sub-product for which you Mandatory
want approval be taken before disbursal of loan amount. The
dropdown list displays sub-products defined in the masters
Facility From the dropdown list, select the facility for which you want Mandatory
approval be taken before disbursal of loan amount. The
dropdown list displays all facilities associated with the selected
sub-product
Scheme From the dropdown list, select the scheme under which the Mandatory
corporate applicant has applied for the facility. The dropdown
list displays all schemes associated with the facility selected
above

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Promotion From the dropdown list, select the promotion under which the Mandatory
corporate applicant has applied for the facility. The dropdown
list displays all promotions associated with the facility and
scheme selected above
Currency From the dropdown list, select the currency in which the Mandatory
applicant has applied the loan. The dropdown list displays
currencies defined in the masters
Req Amount Enter the amount of loan applied by the corporate applicant in Optional
the selected facility
Approved Enter the approved loan amount for the corporate applicant for Mandatory
Amount the selected facility
Conversion Rate Enter the currency conversion rate applicable for the case Mandatory
Req Tenure Enter the tenure for which the corporate applicant wants loan Optional
(in the selected facility)
Approved Enter the approved loan tenure for the corporate applicant (in Mandatory
Tenure the selected facility)
Interest Enter the interest rate that the corporate applicant has to pay Optional
for the facility
Secured Value Enter the secured value of the facility (in IDR). This is a Mandatory
(IDR) numeric field and you can enter up to 15 digits
Unsecured Enter the unsecured value of the facility (in IDR). This is a Optional
Value/Supported numeric field and you can enter up to 15 digits
Value (IDR)
Project Type From the dropdown list, select the type of project for which the Optional
corporate applicant needs the facility. The dropdown list
displays types of projects defined in the masters
Project Value Enter the total cost of the project. This is a numeric field and Optional
you can enter up to 15 digits
Loan Purpose Enter the purpose for which the corporate applicant want this Mandatory
facility
BI Loan Purpose From the LoV, select the BI loan purpose. Mandatory
Charges Click this button to view the charges applicable for the loan. Optional

16. Click Update.

The system saves the details entered by you and displays it in a grid below the entry fields.
17. Enter details in the Sanction Loan Amount section, as described in the following table.

Field Description Remarks

User Action History


User ID Displays the unique identification number of the user Read-only
Action Displays the action taken on the application Read-only
Date Time Displays the date and time of the action taken on the Read-only

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application

18. Enter your password in the Password field and click Save and Proceed to save the record
and change stage.
The system saves the Underwriter’s decision and moves the application to one of the
following stages:

• Post Sanction Document: If the underwriter has approved the application


• Reject Review: If the underwriter has rejected the application
• Forward Inbox of the selected user: If the underwriter has forwarded the application for further
action. Such applications are also moved to the Forward Outbox of the Underwriter.

You can view a list of all the applications that have been approved. Click Corporate Æ Deal Æ Intray
Æ Working Capital Loan Æ Approved. The list of approved loans is displayed. Click the
Application Id to view its details.

11.2 Reviewing Loan Rejection


Whenever an underwriter rejects a loan application, the rejection report is reviewed by the
superior. The credit status reports and all other documents related to the application are also
assessed again. If the superior deems fit, the rejection is revoked. In that case, the application is
sent to the Underwriting stage again for re-evaluation. However, if the risks are more, the
reviewer confirms the rejection and a letter is sent to the corporate applicant.

You can view the list of all the applications in CAS that have been rejected. Click Corporate Æ
Deal Æ Intray Æ Working Capital Loan Æ Cancel. The Cancel screen is displayed, showing a
list of all the loans that have been rejected. Click the Application Id link to view its details.

To review rejection report:

1. Click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ Reject Review.


The Reject Review search screen is displayed, showing a list of all the Application Ids in CAS
that have been rejected, but need to be reviewed.
2. Use the search criteria or find the application Id, whose reject report you want to review, and
click the Application Id link.
The Reject Review screen for the selected Application Id is displayed.

Figure 11-2: The Reject Review screen

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3. Click the UND link to view the application history at the underwriter stage.
The Underwriting screen for the selected Application id is displayed.
4. Verify the underwriter’s reason for rejecting the application by reviewing the corporate
applicant’s details and relevant reports. (For details, see section on Underwriting Application)
5. Close the Underwriting screen and enter your decision in the Reject Review screen. On the
basis of your review, you can either confirm or revoke the rejection.

11.3 Confirming / Revoking Loan Rejection


After you review the underwriter’s report on why a loan application was rejected, you can revoke
the underwriter’s decision and send the rejected application back for re-evaluation and
underwriting. You also validate the underwriter’s decision. In that case, the application is finally
rejected and a letter is sent to the corporate applicant.

To confirm/revoke loan rejection:

1. On the Reject Review screen, verify the following details.

Field Description Remarks

Application Id Displays the Application Id, whose reject report you want to Read-only
review
Name Displays the name of the corporate applicant Read-only
Amount Displays the amount for which loan is requested Read-only
Product Displays the loan product under which loan is applied Read-only
Scheme Displays the name of the promotional scheme under which Read-only
loan was applied
Tenure Displays the period in months for which loan has been Read-only
requested

2. On the basis of your verification, enter details in the following fields:

Field Description Remarks

Activity From the dropdown list, select the activity (stage) to which you Mandatory
want to revert the application. The options are:
• Basic Data Entry
• DUP
• FI Initiation
• Policy
• Pre Sanc Doc
• Scoring
• Underwriting
Reason Enter the reason for confirming or revoking the loan rejection. Mandatory
This is an alphanumeric field and you can enter up to 60
characters. You can also enter some special characters, such
as *, &, %, $, (, ), and @

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3. Click one of the following buttons:


a. Stage Reversal: To revoke rejection and send the application again to the underwriter
b. Reject Confirmation: To confirm rejection of the loan application.
The following message is displayed:
This loan has been rejected.

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12
Managing Post-approval Tasks
When a loan application is approved by the underwriter, the bank
informs the applicant about the approved amount, the interest rate on
which the loan has been approved, and the fee and charges to be paid
for the loan. If the customer feels satisfied the bank generates the offer
letter and sends it across to the customer.
However, in case there is disatisfaction with the approved credit-line or
interest rate or fees charged by the bank, the customer may ask to
make modifications. If the applicant is so important the bank can
decide to make the requested modifications and send the offer letter to
the applicant. This is known as post-approval modification of the
application. CAS helps you modify details, such as amount of loan,
interest rate and loan fee.
However, in case the applicant is not worth being reconsiderd, the
application is cancelled and the offer-letter is not generated at all.
CAS helps you perform the following post-approval tasks:

• Modify Details
• Generate Offer Letter

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12.1 Modifying Details


At times the bank may feel the need of modifying the fee or interest rate of the facilities even after
approving the deal. CAS allows the bank do so using the Post Approval Offer Letter Correction
screen.
After underwriting the loan application reaches the post approval correction stage. The user
designated for this activity views the fee and interest charged for the facilities. Based on the
findings the user can perform one of the following activities:
• Click Save and Proceed: If everything is fine and offer letter needs to be generated for
the deal.
• Click the facility and update the total fee and interest: If the total fee or interest needs to
be changed.
• Reverse stage of the application and send it back for underwriting: if the approved
amount needs to be changed.
• Update the fee and interest rate and reverse stage of the application: If the fee and
interest rate as well as the approved amount needs to be modified.

To make modifications after approval:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Post Approval.
The Post Approval search screen is displayed.
2. Use the search criteria and select the Id of the application that you want to modify.

The Post Approval Offer Letter Correction screen for the selected Application Id is displayed.

Figure 12-1: The Post Approval Offer Letter Correction screen


3. Enter details, as described in the following table.

Field Description Remarks

Post Approval Offer Letter Correction


Sub product From the dropdown list, modify the sub-product opted by the Mandatory
corporate applicant. The dropdown list displays sub-products
defined in the masters

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Facility From the dropdown list, modify the facility opted by the Mandatory
corporate applicant. The dropdown list displays all facilities
associated with the selected sub-product
Approved Modify the amount of loan approved by the bank. This is a Optional
amount numeric field and you can enter up to 15 digits
Approved tenure Modify the tenure, in months, for which the loan has been Optional
approved by the bank. This is a numeric field and you can
enter up to 3 digits
Interest Enter the interest rate that applicant has to give for the loan. Mandatory
This is a numeric field and you can enter up to 5 digits
Req Interest Enter the interest rate that the applicant wants to give for the Optional
loan. This is a numeric field and you can enter up to 5 digits
Charges Click this button to view the charges applicable for the loan. Optional

4. Click Save and Proceed.

The modifications are saved and offer letter is generated for the deal. This activity marks
completion of the flow of application at deal level. From here, the application moves to the
Tranche workflow where every facility becomes independent.

The facilities associated with the selected deal, the amount approved against the facilities, the tenure
for which the amount has been approved, and the interest to be charged are displayed in a grid below
the fields.

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12.2 Generating Offer Letter
After verifying the details related to the application and calculating the fee and interest rate for the
loan, if a deal is approved an offer letter is sent to the corporate applicant. After that the
application moves to tranche for post-approval verifications. In tranche all facilities associated
with the deal become independent and have separate workflow. The workflow for each facility is
defined in the Masters and accordingly checks and verifications are performed for these.

To generate offer letter:

1. On the CAS Main Menu, click Corporate Æ Deal Æ Intray Æ Working Capital Loan Æ
Post Approval.
The Post Approval screen is displayed, showing the details of pricing at which the approval
has been given. If the user is satisfied with the pricing, they can click Generate Offer Letter.

Figure 12-2: The Offer Letter screen


2. Use the search criteria or select the application Id for which you want to view offer letter, and
Click the Generate Report button.

The offer letter is generated.

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13
Managing Pre-disbursal Tasks
Generation of offer-letter marks the end of the deal stage. After this the
loan application moves to the tranche workflow, where you can track
the different loans applied by the applicant individually. These different
loans (of the same applicant) are called facilities and are disbursed to
the applicant separately. The facilities are identified by facility/tranche
Id. There may be two or three facility Ids (depending on the number of
loan products demaded by the corporate applicant) for one application
Id.
Before the amount can be disbursed the applications for these facilities
go through various stages, as defined in the workflow of the respective
facility. The pre-disbursal tasks you can perform in the tranche
workflow are:

• Viewing Details of Facilities


• Collecting Post-approval Documents
• Entering Loan Details
• Entering Fee and Charges Details
• Checking Special Conditions
• Entering Additional Disbursal Details

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13.1 Viewing Facility Details


The details of facilities associated with a loan application can be viewed using the Facility Listing
screen. The details displayed here include, list of all facilities associated with the application Id,
and demographic and pricing run details of the individual facilities.

13.1.1 Viewing Tranche Details


CAS assigns identification number to various facilities opted by the applicant during deal entry.
Details related to these facilities, such as the amount of loan applied, stage in which the facility is
pending, and address and other demographic details of the applicant can be viewed by clicking
the corresponding Tranche Id on the Tranche screen.

To view tranche detail:

1. Click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ Facility Listing.


The Facility Listing screen is displayed, showing a list of all the Application Ids in CAS, and
their details.

2. Use the search criteria or select the application Id for which you want to view details, and
click the Application Id link.
The Tranche screen is displayed for the selected Application Id.

Figure 13-1: The Tranche screen


The upper portion of the screen describes details, such as the Ids of the tranches associated
with the applcation Id, the activity in which the tranche is pending, name of the product, and
the amount of loan applied for under the tranche or facilty.
3. The lower portion of the screen helps you add a new tranche amount to the application. To
do this, enter details as described below.

Field Description Remarks

Product Details
Product Name From the dropdown list, select the name of the product for Mandatory
which the applicant has applied loan. The dropdown list
displays products defined in the masters
Scheme From the dropdown list, select the scheme under which the Mandatory
applicant has applied loan. The dropdown list displays the
schemes associated with the selected product
Tranche Amount Enter the amount that the applicant wants as loan in this Mandatory

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tranche. This is a numeric field

4. Click Add Tranche.

The tranche details are added to the system and is displayed in the upper portion of the
screen.

The sum total of the amount for all tranches can not exceed the total sanctioned loan amount for this
application.

13.1.2 Viewing Demographic Details


You can view demographic details of various facilities associated with the application Id. These
details flow to the Tranche screen from the information entered in the Deal Entry screen.

To view tranche detail:

1. Click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ Facility Listing.


The Facility Listing screen is displayed, showing a list of all the Application Ids in CAS, and
their details.

2. Use the search criteria or select the application Id for which you want to view details, and
click the Application Id link.
The Tranche screen is displayed for the selected Application Id.

Figure 13-2: The Tranche screen


3. Click the Tranche Id, details of which you want to view.
The Corporate Personal screen of the selected Tranche is displayed.

Figure 13-3: The Corporate Personal screen (tranche)

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The Corporate Personal screen displays details of the corporate applicant, such the name,
description, and area of operation of the company, and the annual turnover of the company.
4. To view Other details associated with the selected tranche, click on the following tabs:
• Address Details: To view the addresses (residential, official) of the applicant
• Corporate Business: To view details of sellers and buyers of the applicant
• Corporate Financial: To view details of financial transactions of the applicant
• Corporate Rating: To view ratings assigned by different agencies to the applicant
• Stakeholders/Directors: To view details of stakeholders and directors of the company (of the
corporate applicant)

13.2 Collecting Post-approval Documents


There are certain documents that are needed by the bank or NBFCs after a loan is approved.
These are also referred to as Post sanction documents. CAS helps you maintain a checklist of
the required documents for each application and keep a track whether these documents have
been collected. You can mark their status as ‘completed’ when the documents are received.

13.2.1 Making a List of Documents to be Collected


You can make a list of all the post-sanction documents required by the applicant by using the Post
Sanction Document screen. If the applicant submits the document at the same time, then the status
of the document is marked as Completed, otherwise it is marked as Pending and an appointment
date is fixed till when the applicant can submit the document.

To make a list of post-sanction document to be collected:

1. Click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ Post Sanction


Documents.

The Post Document screen is displayed, showing a list of all the Application Ids in CAS, and
their details.
2. Use the search criteria or select the application Id for which you want to collect post-approval
documents, and click the Application Id link.
The Post Documents Collection screen is displayed for the selected Application Id.

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Figure 13-4: The Post Documents Collection screen


The upper portion of the screen displays the list of documents that are to be collected while
the lower portion has fields that can be used to enter details of a new document required from
the applicant.
3. To add a new document to the system, enter details in the lower portion of the screen, as
described below:

Field Description Remarks

Document From the dropdown list, select the post-sanction document Mandatory
that you want to be collected from the applicant. The
dropdown list displays post-sanction documents maintained in
the system
Original Mark the checkbox, if the selected document is required in Optional
original
Status status of the required document. The options are: Mandatory
• Completed: If the document has been received by the
bank and is complete in all respects. For some document
types, there are more than one certificate that the bank may
use, and the applicant can submit one of these. In such
cases, the Child Document Collection pop-up window is
displayed, showing a list of all the required certificates.
Enter details for the one that the applicant has submitted.
• Incomplete: If the document is required, but is not
submitted by the applicant
These options are maintained in the Generic Parameter
Master
Received Date Enter the date, in the specified format, when the document Mandatory
DD/MM/YYYY was received.
Reason From the dropdown list ,select the reason why the document is
required. The options are:
• Missing

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• Not having doc.


• In process
• Not willing to submit
These options are maintained in the Generic Parameter
Master
Validity Date Enter the date, in the specified format, till when the document Optional
DD/MM/YYYY is valid
Remarks Enter your remarks. This is an alphanumeric field. You can Optional
also enter some special characters, such as *, &, %, $, (, ),
and @.
RIC Reqd. Mark the checkbox if RIC is required. The RIC Initiation Optional
Memo screen is displayed. Enter details, as described below:
• RIC Date: Enter the date (in dd/mm/yyyy format) when the
RIC verification was done
• RIC Name: From the dropdown list, select the name of the
agency that did the RIC verification
• Status: From the dropdown list, select the result of this
verification, such as Positive, Negative, Can Not be
Verified, Not Initiated, and Sent For Verification
• Remarks: Enter additional remarks, if any
Click Save and Close .

4. Click Add .

The system displays the name of the document to the list of documents to be collected in the
Document Collection section. You can add more than one document to this list. For this,
repeat Steps 3 and 4.
5. Click Save .

The system saves details of the documents and removes the documents you have added in
the list from the Document dropdown list.

13.2.2 Entering Post-sanction Document Details


After the list of document is made, you can enter details of each document, as and when
required.

To enter post-sanction document Details:

1. Click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ Post Sanction


Documents.
The Post Document screen is displayed, showing a list of all the Application Ids in CAS, and
their details.
2. Use the search criteria or select the application Id for which you want to collect post-approval
documents, and click the Application Id link.
The Post Documents Collection screen is displayed for the selected Application Id.

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Figure 13-5: The Post Documents Collection screen


3. The upper portion of the screen displays the list of documents that are to be collected from
the applicant. Enter details for these docuemnts, as described in the following table.

Field Description Remarks

Document Collection
Document Mark the checkbox to indicate that the document is required to Mandatory
be submitted by the corporate applicant.
Mandatory Displays if collection of the document is mandatory Read-only
Status Displays the collection status of the document. You can Optional
change this status, as required. To change the status, select
one of the following options from the dropdown list. The
options are:
• Received: To indicate that the documents have been
received
• Deferred: To indicate that collection of the documents have
been postponed
• Incomplete: To indicate that the documents are incomplete
• Pending: To indicate that the documents have not been
received
• Waived: To indicate that collection of the documents have
been waived off
These options are defined in the Generic Parameter Master.
Select the status of the document
Received Date Enter the date (in the dd/mm/yyyyy format) when the Optional
documents were received
Target date Enter the date (in dd/mm/yyyy format) till when the applicant Optional
will submit the document
Validity Date Enter the date (in dd/mm/yyyy format) till when the document Optional
submitted by the applicant is valid

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Reason From the dropdown list, select the reason for document Optional
requirement. The options are:
• Missing
• Not having doc.
• In process
• Not willing to submit
These reasons are defined in the Generic Parameter Master
Remarks Enter your remarks. This is an alphanumeric field. You can Optional
also enter some special characters, such as *, &, %, $, (, ),
and @.
RIC Status This field is disabled. It will get enabled and display the status You can
of the Risk Intelligence Containment verification after you enter change the
the status in the RIC Initiation Memo screen, which is RIC status
displayed when you mark the RIC Reqd. checkbox later on after the field
this screen. gets enabled
Original Mark the checkbox, if the selected document is required in Read-only
original
RIC Reqd. Mark the checkbox if Risk Intelligence Containment Optional
verification is required for the application. The RIC Initiation
Memo screen is displayed. Enter details, as described below:
• RIC Date: Enter the date (in dd/mm/yyyy format) when the
RIC verification is to be done
• RIC Name: From the dropdown list, select the name of the
agency to which you want to assign the RIC verification for
the application
• Status: From the dropdown list, select the status of the
verification, such as Positive, Negative, Can Not be
Verified, Not Initiated, and Sent For Verification
• Remarks: Enter additional remarks, if any
Click Save and Close . The RIC Status field on the
Document Collections screen gets enabled and displays the
selected status of RIC.

4. Click Save to save the requirement details of the selected document.

The system saves the records and shows it as a grid above the entry fields. To enter details
for more than one document, repeat steps 3 and 4. The system adds a new row for each
document.

If a document has not been received, the grid acts like a checklist to ensure that all the required
documents are received before the loan is disbursed.

You can print the list of documents collected or to be collected from the applicant by clicking
Print .

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13.3 Entering Loan Details


After the loan application is approved, the loan details are verified again for disbursal. The bank
also needs to add certain parameters associated with the loan and draw the amortization
schedule. You can do these tasks using the Loan Details screen. However, you cannot modify
the loan amount and the tenure of repaying the loan.

To enter loan details:

1. On the CAS Main Menu, click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ
Post Sanction Documents.
The Post Document screen is displayed, showing a list of all the Application Ids in CAS, and
their details.
2. Use the search criteria or select the application Id for which you want to enter loan details,
and click the Application Id link.
The Post Documents Collection screen is displayed for the selected Application Id.
3. Click the Loan Details link.

The Loan Details screen is displayed.

Figure 13-6: The Loan Details screen

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4. Enter details in all the fields, as described in the following table.

Field Description Remarks

Asset Cost Displays the cost of the asset for which the applicant has applied Read-only
loan. This information flows from the Deal Entry screen
Margin Rate Displays the margin rate. Margin rate is the interest rate charged Read-only
from applicant for borrowing on margin. This information flows from
the Deal Entry screen
Margin Money Displays the amount of money borrowed by the applicant on Read-only
margin. This information flows from the Deal Entry screen
Loan Amount Displays the amount for which loan application has been received. Read-only
This information flows from the Deal Entry screen
Tenure Displays the number of months for which loan is applied. This Read-only
information flows from the Deal Entry screen
Repayment Displays the frequency of repayment for the applicant. Read-only
Frequency
Number of Displays the number of installments the applicant has to pay to Read-only
installments repay the loan. The system calculates the number of installments
by using the tenure and frequency entered in the previous fields.
You cannot modify this value.
Installment From the dropdown list, select the installment plan to repay the Mandatory
Plan loan amount. The dropdown list displays the installment plans
defined in the Generic Parameter Master, such as:
• Equated Installment: When the applicant will pay equal
installment after a specified period
• Step Up: When the income of the applicant is bound to increase
so that the applicant will be able to pay more at that time
• Step Down: When the income of the applicant is bound to
decrease, such as in the case of retirement of the applicant
Installment Select the mode of installment payment from the given options in Mandatory
Mode the dropdown list:
• Advance: If the installment is paid at the beginning of the
installment period. For example, a monthly installment paid on
February 1 is for the month of March.
• Arrear: If the installment is paid at the end of the installment
period. For example, a monthly installment paid on February 1
is for the month of January.
Advance Enter the number of advance installments to be paid Optional
Installment
Rest From the dropdown list, select the option to define the frequency Optional
in which the applicant wants to pay the amount. The options are:
• Annually
• Bi Monthly
• Half Yearly
• Monthly

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• Quarterly
These options are defined in the Generic Parameter Master.
Due Date From the dropdown list, select the day of the month on which the Mandatory
applicant wants to pay the installments. On selecting a day, the
applicant’s installment will become due on that particular date
every month. These dates are predefined as per the BHFL policy.
The options are:
• 1: Installment to be paid on 1st of every month

th
7: Installment to be paid on 7 of every month

th
15: Installment to be paid on 15 of every month
• 22: Installment to be paid on 22nd of every month
These values are maintained in the Scheme Master.
Disburse To From the dropdown list, select the appropriate option to indicate to Mandatory
whom the loan amount will be disbursed. The options are:
• Dealer: To indicate that the loan is to be disbursed through a
dealer
• Customer: To indicate that the loan is to be disbursed to the
customer
By default, the option Dealer is selected
Disbursement Displays the amount to be disbursed to the selected entity in the Read-only
Amount previous field. This value is displayed after you save details on this
screen
Loan Detail Parameter
Rate EMI Flag From the dropdown list, select the mode of calculating loan Mandatory
repayment. The options are:
• EMI
• Rate
Loan EMI This field is enabled if you have selected EMI in the Rate EMI Flag. Mandatory
Enter the amount of equated monthly installment (EMI)
Requested From the dropdown list, select the type of interest for the loan. The Optional
Interest Type options are:
• Effective: If you want the loan to be given on the prime lending
rate in the country
• Flat: If you want the loan to be given on a flat interest rate that is
not affected by the PLR
Effective Rate Displays the effective interest rate for the applied loan. This is Read-only
calculated on the basis of the following formula:
Spread + PLR Rate
The PLR Rate is defined in the Interest Rate Detail Master.
Business IRR This field is not used in the current version of CAS Corporate -
Flat Rate This field is not used in the current version of CAS Corporate -
Rate type This field is not used in the current version of CAS Corporate -
Floating Flag

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Floating This field is not used in the current version of CAS Corporate -
Frequency
Deposit This field is not used in the current version of CAS Corporate -
Amount
Interest Start Enter the date (in dd/mm/yyyy format) from which the interest will Read-only
Date be applied on the loan amount
(dd/mm/yyyy)
Interest tax This field is not used in the current version of CAS Corporate -
Interest tax This field is not used in the current version of CAS Corporate -
Rate
Loan PLR Displays the PLR type for the loan application. This value is Read-only
Type maintained in the PLR Master. You cannot modify this field.
Loan PLR Displays the prime lending rate of the loan. This rate is used to Read-only
Rate calculate the EMI and eligibility of the applicant. This is based on
the PLR and scheme mapping. You cannot modify this field
Spread Displays the spread, which is calculated on the basis of the Read-only
following formula:
Amount Spread + Type Spread + Customer Spread + Product
Spread
These values are defined in the Interest Rate Detail Master,
Customer Spread Master, and Scheme Master. You cannot modify
this field.
TDS Rate This field is not used in the current version of CAS Corporate -
Grace Charge From the dropdown list, select Yes or No to indicate whether Optional
interest interest will be charged for the grace period.
Adjust From the dropdown list, select Yes or No to indicate whether you Optional
Schedule want to adjust the schedule of the loan
Interest Round This field is not used in the current version of CAS Corporate -
Off
Interest Round This field is not used in the current version of CAS Corporate -
Precision
Installment From the dropdown list, select the method of installment round. Optional
Round Method The options are:
• Round Off
• Round Up
• Round Down
Installment Enter the number of digits till which the installment will be rounded. Optional
Round You can enter up to 8 digits
Precision
Principal Base Displays the value of principal base unit for the loan. Read-only
Unit
Grace Period Displays the grace period to be given to the applicant Read-only

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Tranching Flag This field is not used in the current version of CAS Corporate -
Builder This field is not used in the current version of CAS Corporate -
Subvention
Percent
Builder This field is not used in the current version of CAS Corporate -
Subvention
Amount

5. Click Save .

The system saves the record.

When you click Repayment, the system generates the repayment schedule for the loan taken by
the corporate applicant. The repayment schedule is generated on the basis of the selected
installment plan.

13.4 Entering Fee and Charges Details


The bank takes various fees and processing charges from the applicants. CAS helps you enter
and calculate these charges You can view and enter the charges details of the applicant by
clicking Charges on the Loan Details screen.

You can enter the charges details of the applicant after you enter and save all the mandatory fields on
the Loan Details screen of the selected application

To view change details:

1. On the Loan Details screen of the selected Application Id, click Charges.

The Charges Details screen is displayed.

Figure 13-7: The Charges Details screen


2. Enter details as described in the following table:

Field Description Remarks

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Charge From the dropdown list, select the description of the charge Mandatory
Description that you want to define. Charge is generally the processing fee
of loan. The dropdown list displays the charges that are
maintained in the Charge Master and are associated with the
scheme selected in the Deal Entry screen.
Receipt/ Displays Receipt if the selected charge is to be received from Read-only
Payment the business partner or Payment if it is to be paid to the
business partner
Business Partner Displays the business partner associated with the receipt or Read-only
payment of the charge. The Business Partner can be
Customer, Supplier, or Manufacturer
Partner Name From the dropdown list, select the name of the business Optional
partner displayed in the previous field.

Note: If the Business Partner is displayed as


Customer, this will also be displayed as
Customer.

Rate/ Amount From the option buttons, select whether you want to calculate Optional
charges in terms of rate or amount
Charge Rate If you have selected Rate in the previous field, enter the rate Optional
based on which you want to calculate the charges. You can
enter up to eight digits.

If you have selected Amount in the previous field,


the system displays the charge rate based on the
charge amount entered in the next field and the
loan amount.

Charge Amount If you have selected the Amount option, enter the fixed Optional
amount for the charges. You can enter up to 25 digits.

If you have selected the Rate option, the system


displays the total charge amount based on the
charge rate entered in the previous field and the
loan amount.

Credit Period Enter the credit period. It is the duration for which the charge is Optional
applicable to the applicant. You can enter up to eight digits
Currency From the dropdown list, select the currency in which the Optional
payment will be made. The dropdown list displays currencies
defined in the Currency Master

3. Click Add .

The system saves the details and displays these in a grid below the entry fields.

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You can apply more than one charge to an application. For this, repeat steps 1 and 2 for each
charge. A new row is added to the grid for each charge.

13.5 Checking Special Conditions


Using the Special Condition screen, you can check if any special condition is attached with the
application.

To check special conditions:

1. On the Loan Details screen, click Special Conditions link.


The Special Condition screen is displayed.

Figure 13-8: The Special Condition screen


2. Enter/view details as described in the following table.

Field Description Remarks

Reason Code Displays the reason code of the special condition attached Read-only
with the application
Remarks Displays the remarks associated with the special condition Read-only
Completed Mark the check box to indicate if the task associated with the Optional
special condition has been performed.

3. Click Save and Close.

The system saves the details.

13.6 Entering Additional Disbursal Details


If there are one or more co-applicants associated with an application, the net loan amount is
divided amongst the applicants in the proportion requested by the primary applicant. CAS helps
the bank disburse the specified loan amount to various applicants. The bank users can do this
using the Additional Disbursal Details screen. The screen also helps you identify the account of
the customer to which the specified facilities are to be disbursed.

To enter additional disbursement details:

1. On the CAS Main Menu, click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ
Post Sanction Documents.
The Post Document screen is displayed, showing a list of all the Application Ids in CAS, and
their details.
2. Use the search criteria or select the application Id for which you want to enter loan details,
and click the Application Id link.

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The Post Documents Collection screen is displayed for the selected Application Id.
3. Click the Additional Disb. Details link.
The Additional Disbursal Details screen is displayed.

Figure 13-9: The Additional Disbursal Details screen


4. Enter/verify details in the following fields:

Field Description Remarks

Internal Mark this option button if the corporate applicant has an existing Optional
account with the bank
Int Account No. Enter the internal account number of the corporate applicant Optional
where the loan is to be disbursed
Beneficiary Enter the name of the beneficiary. This is an alphanumeric field. Optional
You can also enter some special characters, such as *, &, %, $,
(, ), and @
Ext Bank Branch Enter the external bank branch of the corporate applicant Optional

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External Account Enter the external account number of the corporate applicant Optional
No. where the loan is to be disbursed
Disbursal Date Displays the date (in the dd/mm/yyyy format) of disbursal of the Read-only
loan
Disbursal Enter the amount of loan that will be disbursed Optional
Amount
Block Amount Enter the block amount Optional
Maturity Date Enter the maturity date (in the dd/mm/yyyy format) of the loan Optional

5. Click Add.

The system saves the details and displays these in a grid below the entry fields.
6. Enter the additional disbursal details as described in the following table:

Field Description Remarks

CIF No. Enter the customer identification number of the loan application Mandatory
for which you want to make disbursement. This is an
alphanumeric field. You can also enter some special characters,
such as, such as *, &, %, $, and @.
Credit Enter the credit agreement number of the loan application for Mandatory
Agreement which you want to make disbursement
Number
Agreement Valid Enter the date, in the specified format, from which the loan Mandatory
From agreement is valid
Agreement Valid Enter the date, in the specified format, till which the agreement is Mandatory
To valid.
Payment/Term Enter the date, in the specified format, from which of payment or Optional
review Change terms of payment of the loan can be reviewed
Date
Debit Fees Enter the debit fees account number of the corporate applicant. Mandatory
Account Number
Installment Enter the account number that the applicant will use for repaying Mandatory
Repayment the instalment. This is a numeric field
Account
Tenor for Enter the total duration in which the applicant has to pay all the Mandatory
Amortization instalments
Provision
Type of From the dropdown list, select the type of account the applicant Mandatory
Repayment has selected for repaying the loan amount. The options are:
Account • Current account
• Saving Account
• GL Account
Next Entry Date Enter the next date (in the dd/mm/yyyy format) on which the Mandatory
for Amortization applicant has to pay the installment

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Provision
Variance from Enter the variance of interest rate from Index. This is a numeric Optional
Index field
Next Interest Enter the next date (in the dd/mm/yyyy format) on which the loan Optional
Review Date interest rate will be reviewed
Notary Enter the charge that the bank will take for providing notary Optional
services to the corporate applicant. This is a numeric field
Amount Enter the amount … Optional
Account No Enter the account number of the corporate applicant from where Optional
the charge will be deducted
BDI Enter the percentage of commission the bank will take for Optional
Commission% providing the service
PPH% Enter the percentage of tax that the applicant has to pay for the Optional
service taken
Life Insurance Enter the charge that the bank will take for giving life insurance Optional
policy to the corporate applicant. This is a numeric field
Amount Enter the amount of insurance coverage the applicant will have. Optional
This is a numeric field
Saving Account Enter the savings account number of the corporate applicant Optional
No from where the premiums will be deducted. This is a numeric
field
BDI Commission Enter the percentage of commission the bank will take Optional
%
Life Insurance Enter the life insurance policy number of the applicant Optional
No.
Fire Insurance Enter the charge that the bank will take for providing fire Optional
insurance policy to the corporate applicant. This is a numeric
field
Amount Enter the amount of insurance coverage the applicant will have. Optional
This is a numeric field
Account No Enter the account number of the corporate applicant from which Optional
the premium for the policy will be deducted. This is a numeric
field
BDI Commission Enter the percentage of commission the bank will take Optional
%
Fire Insurance Enter the fire insurance policy number of the applicant Optional
No.
Vehicle Enter the charge that the bank will take for providing vehicle Optional
Insurance insurance to the corporate applicant. This is a numeric field
Amount Enter the amount of insurance coverage. This is a numeric field Optional
Account No Enter the account number of the corporate applicant from which Optional

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the premium for the insurance will be paid. This is a numeric field
BDI Commission Enter the percentage of commission the bank will take Optional
%
Vehicle Enter the policy number of the insurance Optional
Insurance No.
Property Agent Enter the name of property agent through whom the applicant Optional
Name has bought the land or building. This is an alphanumeric field.
You can also enter some special characters, such as *, &, %, $,
(, ), and @
Amount Enter the amount taken by the property agent for broking the Optional
deal
Account No Enter the account number that the corporate applicant will use to Optional
pay the property agent. This is a numeric field
Target Bank Enter the target bank name. This is an alphanumeric field. You Optional
Name can also enter some special characters, such as *, &, %, $, (, ),
and @
Others Enter if any other facility or service that the applicant has taken Optional
from the bank
Amount Enter the amount to be charged from the applicant for the facility Optional
or service provided by the bank
Saving Account Enter the saving account number the corporate applicant will use Optional
No to pay the charge
BDI Commission Enter the percentage of commission the bank will take for Optional
% providing the service
PPH % Enter the percentage of tax that the applicant has to pay for the Optional
service taken
Total Charge Enter the total amount of charges that the customer has to give Optional
Amount for all services taken from the bank
Total Amount Displays the total amount of services taken from the bank. It Read-only
includes the amount of coverage for all insurance policies taken
by the applicant
Sourcing Information
Bank Branch Displays the name of the bank branch that is offering the loan Read-only
Name to the applicant
Bank Branch Displays the code of the bank branch that is offering the loan Read-only
Code to the applicant
Lending Branch Enter the code of the lending branch of the bank Optional
Code
Lending Branch Enter the name of the lending branch. This is an alphanumeric Optional
Name field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Cost Center Enter the identification code of the cost centre. Optional

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Code
Cost Center Enter the name of the cost centre. This is an alphanumeric Optional
Name field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Account Officer Enter the name of the account officer who has approved the Optional
Name loan. This is an alphanumeric field. You can also enter some
special characters, such as *, &, %, $, (, ), and @
Account Officer Enter the identification code of the account officer who has Optional
Code approved the loan
Referror Name Enter the name of the person who referred the applicant to the Optional
bank for the loan. This is an alphanumeric field. You can also
enter some special characters, such as *, &, %, $, (, ), and @
Referror Code Enter the identification code of the person who referred the Optional
applicant to the bank for the loan
LOB Name Enter the line of business (LOB) of the bank. This is an Optional
alphanumeric field. You can also enter some special
characters, such as *, &, %, $, (, ), and @
Region From the dropdown list, select the region where the bank is Optional
located. The dropdown list displays the regions defined in the
masters

7. Enter details in the Decision Sheet as described in the following table.

Field Description Remarks

Reason / Special Select the reason or special condition used for approving the Optional
Condition loan of the applicant. The dropdown list displays the pre-
defined conditions, as specified by the Administrator in the
CAS Masters
Reason Displays a brief description of the selected reason or special Read-only
Description condition
Reason Enter additional comments to indicate why the particular Optional
Comments reason was selected

8. Click Add to List.

The details of the selected condition used for the application are saved in CAS and displayed
in a grid above the Decision Sheet entry fields.

Repeat steps 7 and 8 for each reason or condition, if more than one condition is to be specified.
You cannot select the same reason or condition again.

9. Click Save.The details are saved in CAS and the application is moved to the next stage.

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14
Disbursing Loan
Disbursement of loan is the last stage in the loan process when the
corporate applicant is finally given the loan. In CAS Corporate
disbursement is done in tranches. This means, if an applicant has
requested for three different loans (facilites), amount for each loan is
disbursed seprately, after the application goes through all the stages
defined in the facilty workflow.

Before disbursing a facility, all relevant documents have to be


reviewed and their status verified. When you disburse a facility, a letter
initiating disbursement is sent to the corporate applicant and the facility
is removed from the list of facilites pending disbursals.
Post disbursal, the details of the application moves to the host system
installed in your organisation for managing disbursed loans.

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To initiate loan disbursement:

1. On the CAS Main Menu, click Corporate Æ Tranche Æ Intray Æ Working Capital Loan Æ
Offer Letter.
The Disbursal Initiation screen is displayed.

Figure 14-1: The Disbursal Initiation (Search) screen


2. Enter one or more parameters to search the application for which you want to disburse loan,
as described in the following table:

Field Description Remarks


Appl Id Enter the identification number of the application for which Optional
you want to make disursal. This is a numeric-only field
Applicant Name Enter the name of the applicant. This is an alphanumeric Optional
field. You can also enter some special characters, such as *,
&, %, $, (, ), and @
Product From the dropdown list, select the type of loan for which the Mandatory
applicant for whom you want to make disbursement has
applied. The dropdown list displays the type of loans defined
in the Product Master
From Date Enter the start date (in dd/mm/yyyy format) of the range when Optional
(dd/mm/yyyy) the application was entered in to the system
To Date Enter the end date (in dd/mm/yyyy format) of the range when Optional
(dd/mm/yyyy) the application was entered in to the system

3. Click Search .

The Disbursal Initiation screen is displayed, showing a list of applications matching the
search criteria.

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Figure 14-2: The Disbursal Initiation screen


4. Mark the checkbox corresponding to the Application Id, and then click Disbursal Initiaiton.

The following message is displayed.


Please note that application will not be available for printing Disbursement Memo once
Disbursal Initiation is done. Press Cancel to stop Disbursal Initiation and O.K. to
continue.
5. Click OK.

The system removes the application from the Search Results list and displays the following
message:
Data Saved Successfully.

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