customer loan origination system - part 2 (web)

CUSTOMER LOAN ORIGINATION SYSTEM

PART 2 (WEB MODULE)

HUNTERLead Generation

High/Medium/Low leads

HUNTERLAF filling

KYC docs/SoA/DGHPersonal Ref Check

GATHERERFinancial Appraisal

Factory 1 & Factory 2 visit(mandatory if the business place is

rented)

BM/ABM100% Business validation & Personal

InterviewHouse-hold Visit

Buyer/Supplier Ref Check

BM/ABMCheck LAF/Ensure Zero

ErrorsAttach ChecklistCourier to OPS

If file has errors the same will be pushed back to branch as a

Branch Rework Case

SANCTION DISBURSEMENTLUC

Within 45 days of loan disbursement

LVRWith in 30 days 1st Qtr

Once every Qtr

Sales Process - Comprehensive

Branch

Loan Advisors

Gatherer

TAT

Files Funnel

Month Logins Credit Sanctioned Rejected cancelled Disbursed

Month: 2016 5 7 9 6 3 8

Month: 2016 4 8 2 3 1 5

Month: 2016 12 5 1 11 4 7

Month: 2016 6 7 0 1 4 8

Month: 2016 4 8 2 3 1 5

Month: 2016 12 5 1 11 4 7

Month: 2016 6 7 0 1 4 1

Month: 2016 4 8 2 3 1 0

Month: 2016 12 5 1 11 4 2

Month: 2016 6 7 0 1 4 1

Web Application: Branch Manager

PERFORMANCE TASKS APPLICATIONS

All Time: Dec 2014 – July 2015

0

5

10

15

20

Ops 2Credit 3

Sanction 5

Rejected 15Cancelled 17

Disbursed 5

Cancelled

Option to sort in Ascending/Descending order

By default the graph will show the monthly data. Though it can be customized in formats:• Today• Last Week• Last Month• Custom: -Last x days -From Date, To Date• All Time

Branch

Loan Advisors

Gatherer

TAT

Files Funnel


LA 1 LA 2 LA 3 LA 4 LA 5 LA 6 LA 7 LA 80

5

10

15

20

25

At Gatherer Logins Delined by branch Sanctioned Rework RejectedDisbursed Cancelled

LoginsSanctionedRejectedDisbursedCancelled



Option to sort in Ascending/Descending order

LA Name Qualified Leads

At Gatherer Logins Declined

by Branch Sanctioned Rework Rejected Disbursed Cancelled

Lorem ipsum 2 8 5 9 7 9 9 6 3

Lorem ipsum 1 5 4 2 8 2 2 3 1

Lorem ipsum 0 7 12 1 5 8 1 11 4

Lorem ipsum 2 8 6 0 7 2 0 1 4

Lorem ipsum 2 8 4 2 8 1 2 3 1

Lorem ipsum 1 5 12 1 5 0 1 11 4

Lorem ipsum 0 7 6 0 7 5 2 1 4

Lorem ipsum 11 8 4 2 8 7 2 3 1

Lorem ipsum 1 5 12 1 5 1 1 11 4

Lorem ipsum 3 7 6 0 7 0 0 1 4

Branch

Loan Advisors

Gatherer

TAT

Files Funnel


Gatherer 1 Gatherer 202468

10121416

At Gatherer Logins Delined by branch Sanctioned Rework RejectedDisbursed Cancelled

LoginsSanctionedRejectedDisbursedCancelled



Gatherer LAF Originated

At Branch manager

Declined by Branch Sanctioned Rework Rejected Disbursed Cancelled

Gatherer 1 2 8 9 7 9 9 6 3

Gatherer 2 1 5 2 8 2 2 3 1

Branch

Loan Advisors

Gatherer

TAT

Files Funnel




Application ID Hunter Gatherer Branch CreditEnd to

End Sanction

Disbursement Overall

Month: 2016 5 7 9 6 3 8 8

Month: 2016 4 8 2 3 1 5 5

Month: 2016 12 5 1 11 4 7 7

Month: 2016 6 7 0 1 4 8 8

Month: 2016 4 8 2 3 1 5 3

Month: 2016 12 5 1 11 4 7 11

Month: 2016 6 7 0 1 4 1 1

Month: 2016 4 8 2 3 1 0 3

Month: 2016 12 5 1 11 4 2 11

Month: 2016 6 7 0 1 4 1 25

Branch

Loan Advisors

Gatherer

TAT

Files Funnel




Files Originated Files Gathered Branch Decline Credit Decline Cancelled

5 5 7 9 6

7 4 8 2 3

8 12 5 1 11

5 6 7 0 1

7 4 8 2 3

2 12 5 1 11

1 6 7 0 1

0 4 8 2 3

2 12 5 1 11

1 6 7 0 1

Originated Gathered Branch Decline

Credit Decline

Cancelled ( post Sanc)

Disbursed0

2000

4000

6000

8000

10000

12000Branch Customer Files Funnel

By Loan Advisor By Gatherer

Application Id LA Name Customer Name Sent to Status

1099889990 Lorem ipsum Dolor Sit Amet Hunter, Gatherer Hunter, Gatherer

1099889991 Lorem ipsum Dolor Sit Amet Hunter BM re-entry

1099889992 Lorem ipsum Dolor Sit Amet Gatherer BM re-entry

1099889993 Lorem ipsum Dolor Sit Amet Hunter Hunter

1099889994 Lorem ipsum Dolor Sit Amet Gatherer Gatherer

1099889995 Lorem ipsum Dolor Sit Amet BM Branch Rework





Rework

LUC/LRV




Filter:HunterGathererBM

Filter:HunterGathererBMBM re-entry

REWORK0123456

Received/Outstanding Resolved

Also can we show here cases awaiting deviation & waiver signoffs

Rework

LUC/LRV




Application ID Disbursed Date LUC Status LRV Status

1099889990 dd/mm/yyyy dd/mm/yyyy dd/mm/yyyy

1099889991 dd/mm/yyyy Completed dd/mm/yyyy

1099889992 dd/mm/yyyy Overdue x Days Completed

1099889993 dd/mm/yyyy Overdue y Days Overdue x Days

1099889994 dd/mm/yyyy Completed Overdue y Days

1099889995 dd/mm/yyyy Completed Completed

1099889996 dd/mm/yyyy Completed Completed

1099889997 dd/mm/yyyy dd/mm/yyyy Completed



LUC LRV02468

10121416

To be happened Happened

Filter:CompletedOverdue 0 – 30 daysOverdue over 30 days

All

Received

Sanctioned

Disbursed

Application Id LA Name Customer Name Stage Product Loan Amount

1099889990 Lorem ipsum Dolor Sit Amet Hunter Hypothecation #######.##

1099889991 Lorem ipsum Dolor Sit Amet Gatherer Mortgage #######.##

1099889992 Lorem ipsum Dolor Sit Amet Credit Quazi Mortgage #######.##

1099889993 Lorem ipsum Dolor Sit Amet Branch Rework Add On #######.##

1099889994 Lorem ipsum Dolor Sit Amet D1 #######.##




1099889999 Lorem ipsum Dolor Sit Amet #######.##

1099890000 Lorem ipsum Dolor Sit Amet #######.##




0

5

10

15

20

25

30

Filter:HunterGathererOperationsBranch ManagerCreditD1D2D3D4Branch Rework

Clicking on Application Id nos. navigates to particular Application Details Section

First Page, 5, 6, 7, 8, 9, 10, 11…… Last Page

Filter:MortgageQuazi MortgageHypothecationAddon

Home > Applications > All

Application id Search

Application Id Customer Name Product Nature D Level Loan Amount

1099889990 Dolor Sit Amet Hypothecation Normal Normal #######.##

1099889991 Dolor Sit Amet Mortgage Waivers Rec. Waivers Rec. #######.##

1099889992 Dolor Sit Amet Quazi Mortgage Waivers Out. Waivers Out. #######.##

1099889993 Dolor Sit Amet Add On Has Deviation Has Deviation #######.##

1099889994 Dolor Sit Amet #######.##

1099889995 Dolor Sit Amet #######.##

1099889996 Dolor Sit Amet #######.##

1099889997 Dolor Sit Amet #######.##

1099889999 Dolor Sit Amet #######.##

1099890000 Dolor Sit Amet #######.##

All

Received

Sanctioned

Disbursed




0

5

10

15

20

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30


Filter:NormalWaivers Rec.Waivers Out.Has Deviation

Home > Applications > Received > Waivers Received


Filter:Branch ManagerCredit Level 2Credit Level 1Product Manager

Filter:MortgageQuazi MortgageHypothecationAddon

Application Id LA Name Customer Name Sanction Amount Sanction Date Prepare/Status

1099889990 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Prepare Sn. Letter

1099889991 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Prepare Disb. Kit

1099889992 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Customer signed

1099889993 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Sn. conditions met

1099889994 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Disbursed

1099889995 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy Collateral docs sent to ops

1099889996 Lorem ipsum Dolor Sit Amet #######.## dd/mm/yyyy




All

Received

Sanctioned

Disbursed




0

5

10

15

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30

First Page, 5, 6, 7, 8, 9, 10, 11…… Last PageSystem would generate and print pdf document for Sanction Letter and Disbursement Kit.Both Sanction Letter and Disbursement Kit are preformatted documents (with some blank fields which would be called up from Application Details and would be unique for each Applications) integrated already into the system.


Application Id LA Name Customer Name Disbursement Date TAT (days) Docs Status

1099889990 Lorem ipsum Dolor Sit Amet dd/mm/yyyy 12 Collateral Docs Recovered

1099889991 Lorem ipsum Dolor Sit Amet dd/mm/yyyy 22 Docs sent to ops

1099889992 Lorem ipsum Dolor Sit Amet dd/mm/yyyy 36








All

Received

Sanctioned

Disbursed




0

5

10

15

20

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30


Category Field Error/Query Description

Category 1 Error Error Lorem Ipsum dolor sit amet

Category 2 Query Query Lorem Ipsum dolor sit amet

Category 3 Error Error Lorem Ipsum dolor sit amet

PERSONAL INFORMATIONName : LOREM IPSUM Alias : LOREM

Gender : MALE/FEMALE Marital Status : SINGLE/MARRIED

DOB : DD/MM/YYYY Age : ##

Insurance (Y/N) : YES/NO (GCPP/GTL) Standard Age Proof :

Father's name : LOREM IPSUM DOLOR Spouse name : LOREM IPSUM

Education : JALFLAJLFJASFD Category : SC/ST/GEN/OBC

Children : 3 other Dependents: 2

Mobile 1 : 98263565655 Mobile 2 : 98263565655

Applicant Name Industry Type Industry Name Requested Amount Proposed Amount Loan Type Purpose

Lorem Ipsum Man-Forming Shoe 1,50,000 75,000 Mortgage Working Capital

Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning



Home > Applications > Received > With Waivers

1099889990 > Profile > Applicant > Personal Information || Address || KYC/Docs

Days since customer signed: ##Days in current Stage: ##Days in current Level: ##

To add a note:

Parameters Input Format

CATEGORY Dropdown list of categories to choose from

FIELD Dropdown list of all the fields in the page

TYPE Dropdown to select from: Error/Query

DESCRIPTION Input box accepting characters.

The notepad will be present at the bottom of each screen to add notes

PERSONAL INFORMATIONName : LOREM IPSUM Alias : LOREM

Gender : MALE/FEMALE Marital Status : SINGLE/MARRIED

DOB : DD/MM/YYYY Age : ##

Insurance (Y/N) : YES/NO (GCPP/GTL) Standard Age Proof :

Father's name : LOREM IPSUM DOLOR Spouse name : LOREM IPSUM

Education : JALFLAJLFJASFD Category : SC/ST/GEN/OBC

Children : 3 other Dependents: 2

Mobile 1 : 98263565655 Mobile 2 : 98263565655



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning



Home > Applications > Received > With WaiversDays since customer signed: ##Days in current Stage: ##Days in current Level: ##

1099889990 > Profile > Applicant > Personal Information || Address || KYC/Docs

Applicant

Co-Applicant

Personal Information

Address

KYC/Docs

Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




ADDRESSCURRENT ADDRESS

Current Address :

City : Lorem Ipsum State : Dolor Sit

Pin code : 000000 Residence Type : (Owned/Ancestral)

Market Value : ########

Relationship with Applicant : (Self/Mother/Father)

PERMANENT ADDRESS(Same as Above; wherever applicable) otherwise…Address :


Pin Code : 000000 Year of Stay : ##



1099889990 > Profile > Applicant > Address || Personal Information || KYC/Docs


Applicant

Co-Applicant


Address

KYC/Docs

Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




ADDRESSCURRENT ADDRESS

Current Address :


Pin code : 000000 Residence Type : (Rented)

Market Value : ########

Landlord’s Name : Lorem Ipsum Dolor Landlord’s Number : Lorem Ipsum

Click for Rent Agreement

PERMANENT ADDRESS (Same as Above; wherever applicable) otherwise…Address :


Pin Code : 000000 Year of Stay : ##



1099889990 > Profile > Applicant > Address || Personal Information || KYC/Docs


Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning






1099889990 > Profile > Applicant > KYC/Docs || Personal Information || Address


KYC/Docs

PAN : ALYPV1883D Click to view the snapshot of PAN Card

VID : 313131313131 Click to view the snapshot of VOTER ID CARD

UID : 654765896524125 Click to view the snapshot of AADHAR CARD

Driving License : 6546765456ASFAF65465464 Click to view the snapshot of DRIVING LICENSE

Ration Card : AJJFSLADF4555A4S5AS5DF Click to view the snapshot of RATION CARD

Passport : ASFDASDF88686SF86686 Click to view the snapshot of PASSPORT

Others : (SFLSJF) LSJLKSADJ23233434 Click to view the snapshot

Click here to view Docs Library

Applicant

Co-Applicant


Address

KYC/Docs

Active LoansLoan Type Lender Name Sanctioned Amount EMI Balance (OSP) Debt Consolidation

Vehicle Lorem ipsum ##### ##### ##### Yes/No

Personal Lorem ipsum ##### ##### ##### Yes/No

Business, etc. Lorem ipsum ##### ##### ##### Yes/No

Credit Bureau Summary - Applicant/Co-ApplicantEntity Availability Action

Applicant :Retail Y/N

Dropdown to select from: HIT (+ve)HIT (-ve)HIT (Error)NO-HIT (No-Match)NO-HIT (Error)

Web Report/ PDF

MFI Y/N Web Report/ PDF

Co-applicant 1 :Retail Y/N Web Report/ PDF


Co-applicant 2 :Retail Y/N Web Report/ PDF




Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Credit Bureau


Parameters Input Format1. LENDER NAME Input box accepting characters

2. LOAN TYPE Dropdown to select from:

3. MONTHLY INSTALLMENT

Input box accepting numbers4. SANCTIONED AMOUNT

5. BALANCE (OSP)

6. DEBT CONSOLIDATION Dropdown: Yes/No

References DetailsPersonal

Questions Response1. NAME OF CONTACT PERSON

2. TEL/MOBILE NO.

3. ADDRESS

5. RELATIONSHIP WITH THE CLIENT

6. ANY BIZ RELATIONSHIP WITH CLIENT

7. TYPE OF BUSINESS IS THE CLIENT INVOLVED IN

8. HOW LONG THE APPLICANT BEEN IN BIZ.

9. HAVE YOU EVER VISITED THE BUSINESS PLACE OF THE APPLICANT

10. COULD YOU PLEASE CONFIRM THE LOCATION

11. IS THE BUSINES PREMISE OWNED OR RENTED BY THE CLIENT

12. ARE YOU AWARE OF ANY LOANS TAKEN BY THE APPLICANT FOR THEIR BUSINESS

13. ACCORDING TO YOU, HOW IS THE BUSINESS PERFORMING

14. ANY OTHER COMMENT

Buyer

References SummaryReference Type Availability Assessment Personal Yes/No (VG/ G/ A/ P )Buyer Yes/No (VG/ G/ A/ P )Supplier Yes/No (VG/ G/ A/ P )Factory - 1 Yes/No (VG/ G/ A/ P )Factory - 2 Yes/No (VG/ G/ A/ P )



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > References


References Details Continued…Personal Buyer

Questions Response1. NAME OF CONTACT PERSON Editable by BM

2. TEL/MOBILE NO. Editable by BM

3. BUSINESS ADDRESS Editable by BM

4. INDUSTRY Editable by BM

5. RELATIONSHIP WITH THE CLIENT Editable by BM

6. PRODUCT/SERVICE DO YOU PROVIDE TO CLIENT Editable by BM

7. HOW LONG HAVE YOU BEEN PROVIDING THESE PRODUCTS/SERVICES TO CLIENT Editable by BM

8. HOW MUCH AMT. PER MONTH Editable by BM

9. HOW DOES CLIENT PAY Editable by BM

10. IF GIVEN CREDIT, HOW OFTEN DOES CLIENT PAY on time Editable by BM

11. IF NOT GIVEN CREDIT, WHAT IS THE REASON Editable by BM

12. IF THE CLIENT ASKED YOU TO LEND HIM MONEY, WOULD YOU DO SO Editable by BM

13. ACCORDING TO YOU, HOW IS THE BUSINESS PERFORMING Editable by BM

SupplierFactory – 1Factory – 2 Property Visit Report



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning






Will be available only in BM under Buyer, Supplier and Property visit report section.And is there to save the data entered by BM.

Property Visit Report

Questions Response1. NAME OF CONTACT PERSON Editable by BM

2. TEL/MOBILE NO. Editable by BM

3. BUSINESS ADDRESS Editable by BM

4. INDUSTRY Editable by BM

5. RELATIONSHIP WITH THE CLIENT Editable by BM

6. PRODUCT/SERVICE DO YOU PROVIDE TO CLIENT Editable by BM

7. HOW LONG HAVE YOU BEEN PROVIDING THESE PRODUCTS/SERVICES TO CLIENT Editable by BM

8. HOW MUCH AMT. PER MONTH Editable by BM

9. HOW DOES CLIENT PAY Editable by BM

10. IF GIVEN CREDIT, HOW OFTEN DOES CLIENT PAY on time Editable by BM

11. IF NOT GIVEN CREDIT, WHAT IS THE REASON Editable by BM

12. IF THE CLIENT ASKED YOU TO LEND HIM MONEY, WOULD YOU DO SO Editable by BM

13. ACCORDING TO YOU, HOW IS THE BUSINESS PERFORMING Editable by BM



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning






CO - APPLICANTBank - 1

Account Age : ## years Account Type : SA/CA

Bank Name : Lorem Ipsum Branch Name : Lorem Ipsum

IFSC Code : ########### Disbursement Account : Yes/No

Account Holder’s Name : Lorem Ipsum Dolor Account Number : ###########

Click for Bank Statement



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Banking


APPLICANTBank - 1





Fee Cheque Number : ###### Cheque clearing status : clear/1st bounce/2nd bounce

Click for Bank StatementIdentifies that the application fee cheque if of this account

CO - APPLICANTBank - 1





Click for Bank Statement

Whatever status the Operations department set, will be displayed here.



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Business > Profile || Financial Data || Financial Statement


PROFILEName of the firm : Lorem ipsum Type of business : Dolor Sit

No. of employees : ## Stay at current biz premise : Dolor Sit

Employees present at appraisal : ## Size of biz premise : #### Sq.Ft.

ADDRESSCurrent Address :


Pin code : 000000 Residence Type : (Owned/Ancestral)

Market Value : ######## Residence Type : (Rented)

Relationship with Applicant : (Self/Mother/Father)

Landlord’s Name : Lorem Ipsum Dolor Landlord’s Number : Lorem Ipsum

Click for Rent Agreement

Profile

Financial Data

Financial Statements

BUSINESS INFORMATION

Industry Type : Lorem Ipsum Industry Name : Dolor Sit

Constitution : 000000 No. of Employees : (Owned/Ancestral)

Started by : ######## Business Experiennce : (Rented)

ITR filed :

Business Registration Details:

MSME No. : Lorem Ipsum Sales Tax No. :

Service Tax No. : VAT No. :

Business PAN Card No. : Other:

13 WEEK DATASales/Purchase/Wages (Units) Sales/Purchase/Wage (Amount)

Week 1 ######## ########

Week 2 ######## ########

Week 3 ######## ########

Day 15 ######## ########

Day 16 ######## ########

Day 17 ######## ########

Day 18 ######## ########

Day 19 ######## ########

Day 20 ######## ########

Day 21 ######## ########

Week 4 ######## ########

Week 5 ######## ########

SEASONALITYJan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Good

Regular

Bad

Income EstimationMethod 1 Method 2 ITR

Sales : ITR

Purchase : ITR

Gross Income : Profit



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Business > Financial Data || Profile || Financial Statements


Profile

Financial Data




Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Business > Financial Data || Profile || Financial Statements


13 WEEK DATA CONTINUED…Sales/Purchase/Wages (Units) Sales/Purchase/Wage (Amount)

Week 6 ######## ########

Week 7 ######## ########

Week 8 ######## ########

Week 9 ######## ########

Week 10 ######## ########

Week 11 ######## ########

Week 12 ######## ########

Week 13 ######## ########

Total ######## ########Period ##

Monthly Sales Total/Period Total/Period

RATIOSIDIR (INSTALMENT TO DISPOSABLE INCOME RATIO) ######IIR (INSTALMENT TO INCOME RATIO) ######FOIR (INSTALMENT TO INCOME & OBLIGATIONS RATIO) [(22+24)/(18A+19)] ######INVENTORY TURNOVER (IN NO. OF DAYS) ######INVENTORY TURNOVER (WITH MULTIPLIER) ######DEBT TO EQUITY OR DE RATIO (B/S) PRIOR TO PROPOSED LOAN ######INDEBTEDNESS DEBT TO EQUITY WITH PROPOSED LOAN ######CURRENT RATIO ######GROSS MARGIN % ######NET MARGIN % ######EXPENSE TO SALES RATIO ######RETURN ON BUSINESS ASSET (ROA) ######RETURN ON BUSINESS ASSET (ROA) (WITH MULTIPLIER) ######

FINANCIAL SUMMARYINCOME & EXPENSE STATEMENT NETWORTH STATEMENT

GROSS INCOME ###### TOTAL CURRENT ASSETS ######

TOTAL OPERATING EXPENSES ###### TOTAL FIXED ASSETS ######

TOTAL BUSINESS INCOME ###### TOTAL BUSINESS ASSETS ######

TOTAL HOUSEHOLD INCOME ###### TOTAL LIABILITIES ######

TOTAL HOUSEHOLD EXPENSES ###### TOTAL BUSINESS EQUITY ######

NET INCOME ###### NET HOUSEHOLD ASSETS ######

TOTAL FIXED OBLIGATIONS ###### TOTAL PERSONAL LOANS ######

NET DISPOSABLE INCOME ###### NET HOUSEHOLD WORTH ######



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > Business > Financial Statements || Financial Data || Profile


Profile

Financial Data


Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning

FINANCIAL SUMMARY (EXPANDED ACCORDIONS VIEW)INCOME & EXPENSE STATEMENT NETWORTH STATEMENT

GROSS INCOME ###### TOTAL CURRENT ASSETS ######TOTAL OPERATING EXPENSES ###### TOTAL LIQUID ASSETS ######

SALARIES ###### CASH ######RENT ###### CASH IN HAND ######ELECTRICITY & WATER ###### CASH IN BANK ######STAFF WELFARE ###### SAVINGS OR CHITS ######TRANSPORT ###### CHITS 1 ######MISC EXPENSES ###### CHITS 1 ######

TOTAL BUSINESS INCOME ###### DEPOSITS ######TOTAL HOUSEHOLD INCOME ###### DEPOSIT 1 ######

SALARY - SPOUSE ###### DEPOSIT 2 ######SALARY - CHILDREN ######

SALARY - OTHER ###### RECEIVABLES ######

RENTAL INCOME ###### BUYER 1 ######OTHER HOUSEHOLD INCOME ###### BUYER 2 ######

TOTAL HOUSEHOLD EXPENSE ###### PAYMENT MADE IN ADVANCE ######FOOD ###### INVENTORY ######RENT ###### RAW MATERIAL ######WATER/ELECTRICITY ###### SEMI FINISHED GOODS ######TELEPHONE ###### FINISHED GOODS ######TRANSPORT ###### FIXED ASSETS ######EDUCATION ###### LAND & BUILDING ######MEDICAL EXPENSES ###### MACHINERY & EQUIPMENTS ######ASSISTANCE TO FAMILY MEMBERS ###### VEHICLES ######ENTERTAINMENT ###### FURNITURE & FIXTURES ######MISC/OTHER ###### TOTAL BUSINESS ASSETS ######

NET INCOME ###### TOTAL LIABILITIES ######TOTAL FIXED OBLIGATIONS ###### TOTAL ACCOUNT PAYABLES ######

PAYMENTS OF DEBTS ###### SUPPLIER 1 ######SAVINGS/COMMITEES/CHITS ###### SUPPLIER 2 ######INSURANCE PREMIUMS AMT. ###### TOTAL BUSINESS DEBTS ######

NET DISPOSABLE INCOME ###### DEBT 1 ######DEBT 2 ######

TOTAL ADVANCE TAKEN ######TOTAL BUSINESS EQUITY ######TOTAL BUSINESS EQUITY ######NET HOUSEHOLD ASSETS ######TOTAL PERSONAL LOANS ######NET HOUSEHOLD WORTH ######




NAME Input box accepting characters

VALUE Input box accepting numbers

HISTORY

TIMELINEDate Field

##/##/### Hunter -> Gatherer

##/##/### Gatherer -> BM

##/##/### BM -> OPS

TAT by StageStage Time

Hunter #### Days ##:## Hours

Gatherer #### Days ##:## Hours

Branch manager #### Days ##:## Hours



Profile

Credit Bureau

References

Property

Banking

Business

History

Deviations

Notes

Summary

Decisioning




1099889990 > History


HUNTER GATHERER BRANCH MGR. OPERATIONS L4 L3 L2 L1

Date 1 (00:00 am) Initiation

Date 2 (00:00 am) Hunter level done Entry at Gatherer

Date 3 (00:00 am) Issue at hunter level Issue noticed at hunter

Date 4 (00:00 am) Hunter Issue Solved Re-entry at Gatherer

Date 5 (00:00 am) Financial Done Entry at BM

Date 5 (00:00 am) Issue at hunter level Issue at Hunter

Date 6 (00:00 am) Issue at Gatherer Level Issue at Gatherer

Date 7 (00:00 am) Hunter issue resolved Gatherer issue resolved Re-entry at BM

Date 8 (00:00 am) ED level Deviation Deviation

Date 9 (00:00 am) AVP level Deviation Deviation

Date 10 (00:00 am) Re-entry at BM Waiver Given Waiver Given

Date 11 (00:00 am) BM work done Entry at Ops

Date 12 (00:00 am) Branch Rework Branch Rework

Date 13 (00:00 am) Rework Resolved Re-entry at Ops

Date 14 (00:00 am) Ops work done Entry at CO

Date 15 (00:00 am) Issue at Hunter level Issue at Gatherer Level Branch Rework Issue noticed

Date 16 (00:00 am) Hunter issue resolved Gatherer issue resolved Rework Resolved Re-entry at CO

Date 17 (00:00 am) Hunter issue resolved Gatherer issue resolved Rework Resolved CO work done Entry at L3 Entry at L2 Entry at L1

Date 18 (00:00 am) Issue noticed in file

Date 19 (00:00 am) Re-entry at L3 Re-entry at L2 Re-entry at L2

Date 20 (00:00 am) Sanctioned Sanctioned Sanctioned Sanctioned

Date 21 (00:00 am) Sn. Letter Signed Cancelled Rejected Rejected Rejected

Date 21 (00:00 am) Disbursed


Sr. No Level Category Description Status Action

1 BM KYC PAN not available

• Outstanding• Approved• Rejected

• Approve• Reject

2 BM Loan Amt. H; I:Eatery; LA:50000

3 BM App. Fee Application fee through cash

4 BM KYC Only ration card available

5 L2 Loan Amt.

6 L2 KYC PAN+VID not available

7 L1 Loan Amt. H; I:Eatery; LA:75000

8 L1 Financial Data Less than 13 weeks

9 L1 Debt Consolidation No debt consolidation case



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Decisioning




1099889990 > Deviations


Submit ForwardFor Credit For Branch Manager

Category Field Error/Query Description Send to

Personal Info Field Error Lorem Ipsum dolor sit amet

Dropdown to select from:• Branch• Credit L2• Credit L3• Credit L4

Personal Info DOB Query Lorem Ipsum dolor sit amet

Personal Info Gender Error Lorem Ipsum dolor sit amet

Address City Error Lorem Ipsum dolor sit amet

KYC VID Query Lorem Ipsum dolor sit amet

KYC UID Query Lorem Ipsum dolor sit amet

References Personal Error Lorem Ipsum dolor sit amet

References Factory-2 Query Lorem Ipsum dolor sit amet

Category 9 Query Query Lorem Ipsum dolor sit amet



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1099889990 > Notes



CATEGORY Dropdown list of categories to choose from

FIELD Dropdown list of all the fields in the page

TYPE Dropdown to select from: Error/Query

DESCRIPTION Input box accepting characters.



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1099889990 > Summary


ESTIMATION METHODS

COMBINATIONS GROSS INCOME

1 Sales by : Bills, Obs, UPP, Seasonality Purchase by: Bills,UPP ######

2 Production Estimate Unit Product Pricing ######

INCOME 1 INCOME 2FINANCIAL RATIOSIDIR (INSTALMENT TO DISPOSABLE INCOME RATIO)IIR (INSTALMENT TO INCOME RATIO)FOIR (INSTALMENT TO INCOME & OBLIGATIONS RATIO)INVENTORY TURNOVER (IN NO. OF DAYS)INVENTORY TURNOVER (WITH MULTIPLIER)DEBT TO EQUITY OR DE RATIO (B/S) PRIOR TO PROPOSED LOANINDEBTEDNESS DEBT TO EQUITY WITH PROPOSED LOANCURRENT RATIOGROSS MARGIN %NET MARGIN %EXPENSE TO SALES RATIORETURN ON BUSINESS ASSET (ROA)RETURN ON BUSINESS ASSET (ROA) (WITH MULTIPLIER)ACTIVITY RATIOSSALES TO EMPLOYEE



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1099889990 > Summary


Security Banking References Verifications

APPLICANT PERSONAL

CO-APPLICANT - 1 BUYER

CO-APPLICANT – 2 SUPPLIER

BUSINESS FACTORY – 1

FACTORY - 2

Credit BureauApplicant Profile Hit - No matchCo-Applicant Profile Hit - +v matchFull Name : Lorem Ipsum DolorGender : M/FDOB : DD/MM/YY (Age)Marital Status : Single/Married/OtherCategory : SC/ST/OBC/GeneralLife Insurance: Yes/NoBusiness Profile

DEVIATIONSSr. No Level Category Description Status

1 BM KYC PAN not available Waiver outstanding

2 BM Loan Amt. H; I:Eatery; LA:50000 Approved

3 BM App. Fee Application fee through cash Rejected

NOTESCategory Field Error/Query Description

Personal Info Field Error Lorem Ipsum dolor sit amet

Personal Info DOB Query Lorem Ipsum dolor sit amet

Personal Info Gender Error Lorem Ipsum dolor sit amet

DEVIATIONSSr. No Level Category Description Status

1 BM KYC PAN not available Waiver outstanding

2 BM Loan Amt. H; I:Eatery; LA:50000 Approved

3 BM App. Fee Application fee through cash Rejected

LOAN DECISIONDecision Date User Designation Amount Term Freq Purpose Comments

Approved ##/##/#### Lorem Hunter ###### ## Monthly Lorem Ipsum Lorem Ipsum

Approved ##/##/#### Lorem Gatherer ###### ## Monthly Lorem Ipsum Lorem Ipsum

Approved ##/##/#### Lorem BM ###### ## Monthly Lorem Ipsum Lorem Ipsum

Sanctioned ##/##/#### Lorem Credit L1/L2/L3 ###### ## Monthly Lorem Ipsum Lorem Ipsum



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1099889990 > Decisioning


Will be called from the system automatically Upon clicking the add, list will be appended by a blank row of editable fields for user to type its decision in.

Submit to next level Send Back

Sanction

Reject

Dropdown to select which level the file is to go.

Application Id LA Name Customer Name Product Loan Amount Status

1099889990 Lorem ipsum Dolor Sit Amet Hypothecation #######.## Rejected

1099889991 Lorem ipsum Dolor Sit Amet Mortgage #######.## Sanctioned

1099889992 Lorem ipsum Dolor Sit Amet Quazi Mortgage #######.## WIP

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PERFORMANCE APPLICATIONS

Web Application: Credit

Month Sanctioned Work in Progress Cancelled Branch Rework Rejected

Month: 2016 5 7 9 6 3

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4



Application id SearchCategory

Search result

020406080

100120140 WIP 125

Branch Rework 54

Sanctioned 98

Cancelled 15 Rejected 10

Cancelled

All

Mine



Month Sanctioned Work in Progress Cancelled Branch Rework Rejected

Month: 2016 5 7 9 6 3

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4

Month: 2016 4 8 2 3 1

Month: 2016 12 5 1 11 4

Month: 2016 6 7 0 1 4


Application id SearchCategory


Application Id LA Name Customer Name Product Loan Amount Status

1099889990 Lorem ipsum Dolor Sit Amet Hypothecation #######.## Rejected

1099889991 Lorem ipsum Dolor Sit Amet Mortgage #######.## Sanctioned

1099889992 Lorem ipsum Dolor Sit Amet Quazi Mortgage #######.## WIP

Search result

05

1015202530

WIP 15

Branch Rework 5

Sanctioned 25

Cancelled 4Rejected 2

Cancelled

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1099889990 New Dolor Sit

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tionBranch Rework 1 X days #######.

##

1099889991 Repeat Dolor Sit

AmetDolor Sit

Amet Mortgage L1 2 X days #######.##

1099889992 New Dolor Sit

Amet dolor sit Quazi Mortgage L2 3 X days #######.

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1099889993 Repeat dolor sit dolor sit Add On L3 4 X days #######.

##

1099889994 Repeat dolor sit dolor sit Purpose L4 5 X days #######.

##

1099889995 New dolor sit dolor sit Renovatio

nBranch Rework 6 X days #######.

##

1099889996 Repeat dolor sit dolor sit Expansion L1 7 X days #######.

##

1099889997 Repeat dolor sit dolor sit Machinery L2 8 X days #######.

##

1099889999 New dolor sit dolor sit Working

Cap. L3 9 X days #######.##

1099890000 Repeat dolor sit Dolor Sit

AmetDebt

Consoli L4 11 X days #######.##

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Application Id LA Name Customer Name Product Purpose Loan Amount Status

1099889990 Lorem ipsum Dolor Sit Amet Hypothecation Renovation #######.## WIP

1099889991 Lorem ipsum Dolor Sit Amet Mortgage Expansion #######.## Has Deviation

1099889992 Lorem ipsum Dolor Sit Amet Quazi Mortgage Machinery #######.## Credit Rework

1099889993 Lorem ipsum Dolor Sit Amet Add On Working Cap. #######.## Branch Rework

1099889994 Lorem ipsum Dolor Sit Amet Purpose Debt Consoli #######.##

1099889995 Lorem ipsum Dolor Sit Amet Renovation #######.##

1099889996 Lorem ipsum Dolor Sit Amet Expansion #######.##

1099889997 Lorem ipsum Dolor Sit Amet Machinery #######.##

1099889999 Lorem ipsum Dolor Sit Amet Working Cap. #######.##

1099890000 Lorem ipsum Dolor Sit Amet Debt Consoli #######.##

Filter:WIPWith DeviationsCredit Rework IncomingCredit Rework OutgoingBranch Rework

Application Id Sanction Amt. Sanction Date Cheque Status Sanction condi. Action

1099889990 #######.## dd/mm/yyyy Clear Met Grant Sn.

1099889991 #######.## dd/mm/yyyy 1st Bounce Awaited Grant Disb.

1099889992 #######.## dd/mm/yyyy 2nd Bounce Met

1099889993 #######.## dd/mm/yyyy Clear Met

1099889994 #######.## dd/mm/yyyy 1st Bounce Awaited



1099889997 #######.## dd/mm/yyyy 1st Bounce Awaited



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Button to authorize Branch Manager to Generate Sanction Letter or Disbursement Kit.The file will be moved to sanction section of Branch Manager as soon as Credit Grants Sanction.And accordingly will authorize BM to generate Disbursement Kit when

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APPLICATIONS

Web Application: Operations

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Application Id Cheque Pre. Date Cheque Status/Action Edit

1099889990 dd/mm/yyyy Clear Edit

1099889991 dd/mm/yyyy 1st bounce Edit

1099889992 dd/mm/yyyy 2nd bounce Edit

1099889993 dd/mm/yyyy 3rd bounce Edit





1099889999 dd/mm/yyyy 2nd bounce Edit

1099890000 dd/mm/yyyy 3rd bounce Edit

Button to active edit mode