Customer Loan Origination System - Part 2 (Web)

CUSTOMER LOAN
ORIGINATION SYSTEM
PART 2 (WEB MODULE)

HUNTER
Lead Generation
High/Medium/Low leads
HUNTER
LAF filling
KYC docs/SoA/DGH
Personal Ref Check
GATHERER
Financial Appraisal
Factory 1 & Factory 2 visit
(mandatory if the business place is
rented)
BM/ABM
100% Business validation & Personal
Interview
House-hold Visit
Buyer/Supplier Ref Check
BM/ABM
Check LAF/Ensure Zero
Errors
Attach Checklist
Courier to OPS
If file has errors the same will be
pushed back to branch as a
Branch Rework Case
SANCTION DISBURSEMENT
LUC
Within 45 days of
loan disbursement
LVR
With 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
Ops 2
Credit 3
Sanction 5
Rejected 15
Cancelled 17
Disbursed 5
0
5
10
15
20
Ops Credit Sanction Rejected Cancelled Disbursed
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
0
5
10
15
20
25
LA 1 LA 2 LA 3 LA 4 LA 5 LA 6 LA 7 LA 8
At Gatherer Logins Delined by branch
Sanctioned Rework Rejected
Disbursed Cancelled
Logins
Sanctioned
Rejected
Disbursed
Cancelled
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
0
5
10
15
20
Gatherer 1 Gatherer 2
At Gatherer Logins Delined by branch
Sanctioned Rework Rejected
Disbursed Cancelled
Logins
Sanctioned
Rejected
Disbursed
Cancelled
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 Credit
End to End
Sanction
Disbursem
ent
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
0
2000
4000
6000
8000
10000
12000
Originated Gathered Branch
Decline
Credit
Decline
Cancelled (
post Sanc)
Disbursed
Branch 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:
Hunter
Gatherer
BM
Filter:
Hunter
Gatherer
BM
BM re-entry
0
1
2
3
4
5
6
REWORK
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
0
5
10
15
20
LUC LRV
To be happened Happened
Filter:
Completed
Overdue 0 – 30 days
Overdue 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:
Hunter
Gatherer
Operations
Branch Manager
Credit
D1
D2
D3
D4
Branch Rework
Clicking on Application Id nos.
navigates to particular
Application Details Section
First Page, 5, 6, 7, 8, 9, 10, 11…… Last Page
Filter:
Mortgage
Quazi Mortgage
Hypothecation
Addon
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
25
30
Filter:
Normal
Waivers Rec.
Waivers Out.
Has Deviation
Home > Applications > Received > Waivers Received
Filter:
Branch Manager
Credit Level 2
Credit Level 1
Product Manager
Filter:
Mortgage
Quazi Mortgage
Hypothecation
Addon

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
20
25
30
System 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
25
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 INFORMATION
Name : 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 INFORMATION
Name : 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
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
ADDRESS
CURRENT 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
ADDRESS
CURRENT 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 Loans
Loan 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-Applicant
Entity 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
1. 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 Details
Personal
Questions Response
1. 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 Summary
Reference 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 Response
1. 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
Supplier
Factory – 1
Factory – 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 Response
1. 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 - APPLICANT
Bank - 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
APPLICANT
Bank - 1
Fee Cheque Number : ###### Cheque clearing status :
clear/1st bounce/2nd
bounce
Identifies that
the application
fee cheque if
of this account
CO - APPLICANT
Bank - 1
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
PROFILE
Name 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.
ADDRESS
Current 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 DATA
Sales/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 ######## ########
SEASONALITY
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Good
Regular
Bad
Income Estimation
Method 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

RATIOS
IDIR (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 SUMMARY
INCOME & 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
TIMELINE
Date Field
##/##/### Hunter -> Gatherer
##/##/### Gatherer -> BM
##/##/### BM -> OPS
TAT by Stage
Stage 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
Profile
Credit Bureau
References
Property
Banking
Business
History
Deviations
Notes
Summary
Decisioning
1099889990 > Deviations
Submit Forward
For 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
Profile
Credit Bureau
References
Property
Banking
Business
History
Deviations
Notes
Summary
Decisioning
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.

Profile
Credit Bureau
References
Property
Banking
Business
History
Deviations
Notes
Summary
Decisioning
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 2
FINANCIAL RATIOS
IDIR (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 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)
ACTIVITY RATIOS
SALES TO EMPLOYEE

Profile
Credit Bureau
References
Property
Banking
Business
History
Deviations
Notes
Summary
Decisioning
1099889990 > Summary
Security Banking References Verifications
APPLICANT PERSONAL
CO-APPLICANT - 1 BUYER
CO-APPLICANT – 2 SUPPLIER
BUSINESS FACTORY – 1
FACTORY - 2
Credit Bureau
Applicant Profile Hit - No match
Co-Applicant Profile Hit - +v match
Full Name : Lorem Ipsum Dolor
Gender : M/F
DOB : DD/MM/YY (Age)
Marital Status : Single/Married/Other
Category : SC/ST/OBC/General
Life Insurance: Yes/No
Business Profile
DEVIATIONS
Sr. 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

NOTES
Category 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
DEVIATIONS
Sr. 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 DECISION
Decision 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
Profile
Credit Bureau
References
Property
Banking
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Deviations
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Summary
Decisioning
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
All
Mine
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
WIP 125
Branch Rework 54
Sanctioned 98
Cancelled 15 Rejected 10
0
50
100
150
WIP Branch Rework Sanctioned Cancelled Rejected

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
WIP 15
Branch Rework 5
Sanctioned 25
Cancelled 4
Rejected 2
0
5
10
15
20
25
30
WIP Branch Rework Sanctioned Cancelled Rejected

All
Received
Sanctioned
0
5
10
15
20
25
30
Applicati
on Id
Custome
r type
Custome
r Name
Customer
Name
Product Stage
Rewor
Incidences
TAT
Loan
Amount
109988999
0
New
Dolor Sit
Amet
Dolor Sit
Amet
Hypotheca
tion
Branch
Rework
1 X days
#######.
##
109988999
1
Repeat
Dolor Sit
Amet
Dolor Sit
Amet
Mortgage L1 2 X days
#######.
##
109988999
2
New
Dolor Sit
Amet
dolor sit
Quazi
Mortgage
L2 3 X days
#######.
##
109988999
3
Repeat dolor sit dolor sit Add On L3 4 X days
#######.
##
109988999
4
Repeat dolor sit dolor sit Purpose L4 5 X days
#######.
##
109988999
5
New dolor sit dolor sit
Renovatio
n
Branch
Rework
6 X days
#######.
##
109988999
6
Repeat dolor sit dolor sit Expansion L1 7 X days
#######.
##
109988999
7
Repeat dolor sit dolor sit Machinery L2 8 X days
#######.
##
109988999
9
New dolor sit dolor sit
Working
Cap.
L3 9 X days
#######.
##
109989000
0
Repeat dolor sit
Dolor Sit
Amet
Debt
Consoli
L4 11 X days
#######.
##

All
Pipeline
Sanctioned
0
5
10
15
20
25
30
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:
WIP
With Deviations
Credit Rework Incoming
Credit Rework Outgoing
Branch 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
All
Received
Sanctioned
0
5
10
15
20
25
30
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

All
APPLICATIONS
Web Application: Operations
0
5
10
15
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30
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

Customer Loan Origination System - Part 2 (Web)

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