Loan Life cycle manager

1. Loan Lifecycle Manager Product Feature Presentation ©2009 Qualtech Consultants All rights reserved.

2. Salient Features ©2009 Qualtech Consultants All rights reserved. Features of LLM Web Based system built on n-tier architecture Modular, Parameterized, Scalable, Configurable System PL, Mortgages, Auto Loan, Home Loan, Loan Against Property, etc Strong Implementation & Support Both - Macro and Micro Lending Modules Industry standard technology platform - J2EE. Available in multiple database platform – Oracle/SQL Server Effective Controls, Audit Trails and Usability Features Ability to work in centralized and decentralized model

3. LLM – Loan Lifecycle Manager ©2009 Qualtech Consultants All rights reserved. LLM Loan Origination System: Loan origination deals with processes related to new loan application processing till disbursal. Loan Servicing System: Loan servicing deals with processes relating to management of the loan through its lifecycle from disbursal to closure.

5. Loan Origination System ©2009 Qualtech Consultants All rights reserved. How secure is the Application ? User ID & Password based Authentication Menu and Data based Access to users HTTPS Compatible Configurable Maker Checker option

13. ©2009 Qualtech Consultants All rights reserved. Loan Origination System Booking a case: Enter the customer data and generate an Application number. Performing de-dupe: Is he already recorded in the system? CIBIL check: What is his credit history recorded in CIBIL? Verifications: Verify credentials provided. Decision: Configurable Multi Level Decisioning with detail information capture Ability to configure standard notecodes for effective tracking and information sharing Disbursal: System pre-disbursal check. Asset Booking

14. Configurable Workflow Engine ©2009 Qualtech Consultants All rights reserved. Cash Flow Loan Details Notepad Deviations Applicant Det. De-dupe Documents Verifications Credit Decision Disbursal Mak. Disbursal Auth. Loan Details Deviations Documents Documents Applicant Det. Notepad De-dupe Verifications Verifications Cash Flow Cash Flow Credit Decision Disbursal Mak. Disbursal Auth.

21. Deployment Architecture ©2009 Qualtech Consultants All rights reserved. LAN Network WAN Network DB Server Oracle/SQL Server App Server WAS, JBOSS, Tomcat Individual Machine IE 6.0 or above Internet Cloud Over HTTPS Web Server J2EE compliant web-server Web Server Application Server Database Server

22. Technical Architecture ©2009 Qualtech Consultants All rights reserved. Database User Access – IE6.0 and above View – JSP, Javascript, CSS, Images Action Servlet Struts Config Authentication and Authorisation Business Object Layer Data Access Layer

23. Functional Architecture ©2009 Qualtech Consultants All rights reserved. User Over HTTPS Info. Security Layer Authen. Author. Session Mgmt External Interfaces Loan Booking & Processing Workflow Engine Cash Flow Gen Accounting Entries Module Configuration & Parameter Setup Loan Servicing EOD / EOM Module Reporting Prospect Gen De-dupe Eng. Documents Verifications Deviations Credit Decision Disbursal Mak. Disbursal Auth. Notepad EMI / IRR Calc Charges Mgmt Batch Management PDC Presentations Clearance ECS Transaction Management Waive off Knock Off Closures / Foreclosures Excess & Refunds OTC IMD NPA Engine DPD Calculation Bucket Movement NPA Classification

24. Looking forward to being your IT Partner ©2009 Qualtech Consultants All rights reserved. Thank You