User Manual

Table of Content

• Company Introduction – About Us

• General Fields in the Application
• Log In
• Home Screen
• Customer Profile
• CA Package
• Snap Shot
• Document
• Audit and Compliance Status
• Credit Memorandum
• ORR
• Policy Exception
• Financials
• PR Checklist
• Audit
• Facility & collateral
• Risk Review sheet
• Approval Authority
• Approval Conditions & Risk Triggers Risk
• Approval
Table of Content

• One Pager Transaction Activity

• One Pager Activity (Memo For Extension Of Annual Review Date)
• One Pager Activity (Memo for Deferral / Waiver of Documents)
• One Pager Activity (Memo for Issuance of NOC for Charges)
• One Pager Activity (Memo for Other Credit Request)
• One Pager Activity (Memo for Early Alert)
• One Pager Activity (Write-Off / Waiver Memorandum)
• One Pager Activity (Classification Memorandum / Review)
• One Pager Activity (Offering Ticket)
COMPANY INTRODUCTION – ABOUT US

BenchMatrix Solutions W.L.L is an IT solution provider and advisory firm which specializes in providing innovative,
practical and comprehensive solutions to our valuable clients. Our competencies are not limited to advisory services. Our
practical and innovative tools, designed on the basis of a quantitative, statistical approach, continuous improvement,
regulatory requirements, industry experiences and out-of-the-box thinking help us to provide firm-wide comprehensive
solutions.

A growing list of clients in Bahrain, Qatar, Saudi Arabia,

Kuwait, Canada and Pakistan.

With Head office in Bahrain, Support office in Pakistan, and Representative offices in Canada, Saudi
Arabia (under process)

Company Introduction – Product & Services

Product Suites Advisory Services

• Operational Risk Management • Integrated Risk Management strategy development

• Credit Risk Management and implementation
• Compliance & Governance • Information technology advisory
• Business Continuity Management • Operational risk management
• Online Training • Inventory management
• Anti Money Laundering • Risk Models development
• Enterprise Risk Management • Training services
• Compliance
• Credit Risk Management
• Market Risk Management
• Operational Risk Management
• Anti Money Laundering
• Enterprise Risk Management
GENERAL FIELDS IN THE APPLICATION

The information kept in the database about a particular record comprises the detail of a particular subject. Each record consists
of different fields out of which some are general. This section defines the behavior of each field whose function remains same
throughout the application.

A: In order to add a new record, user should click the “New” tab and enter the information of a new record whose information
needs to be recorded. Fill in the form; enter the information in each field.

B: In order to edit a record, user should click the “Edit” tab, navigate to the field which needs to be edited and erase the
information. Re-enter the information of the existing record whose information needs to be changed. The field of Code on each
page once generated cannot be edited.

C: When the information is entered, user should click on “Save” to add the record or Cancel to erase all the information entered.
For an existing record, click on any of the required fields to edit the information and then click on Save.

D: In order to delete a record, user should click on “Delete”. Records that are already linked to other records cannot be deleted
from the system but only can be made inactive.

E: In order to erase the information entered in the fields or clear the fields for viewing the page, user should click “Cancel”.

F: In order to close the information page and return back to the previous page, user should click “Close”.
GENERAL FIELDS IN THE APPLICATION

H: In the status field user should click on the drop down arrow to choose from "Active" or "Inactive" for the particular item being
added. ‘‘Active’’ means that the item added is in use and should be shown while configuring the Information further. ‘’Inactive’’
means that the item being added will not be shown when configuring the Information further. Once an item is added and
already linked to other items, then the item cannot be deleted. If the user does not want the item to appear while configuring,
then it should be made inactive. If an item, that is already added, is not linked to other items, then it can be deleted.

I: User can click on ‘’Profile’’ to go to Obligor profile screen of the customer.

J: Click on ‘’Preview’’ to download PDF of the package

K: Click on ‘’Approval Activity’’ to mark post approval activities such as “ONE PAGERS MEMOS“ on the approved case.
GENERAL FIELDS IN THE APPLICATION

Once the Package is submitted, application generates notification to the user profile in the workflow screen. Workflows are used
in the LOS application to route requests to approvers for approval. A request has to go through multiple independent approval
channels before it can proceed for fulfillment. Workflow involves multiple target authorities which recommend the request until
it is approved by the final authority. When a Approval Package is submitted, the process sends a notification to the next Credit
Authority in the approval hierarchy for approval. The notification appears in Inbox of the authority, if the Credit Approving Limit
of the approving authority is less than the requisition amount, the process forwards the requisition to the next higher authority
until it finds an authority with the appropriate Credit Approving Limit to approve the requisition. Each transitional authority
must approve the requisition to move it to the next higher authority. Once an authority with the appropriate Credit Approving
Limit approves the requisition, the process ends with a result of approved.
GENERAL FIELDS IN THE APPLICATION

Functionality of Approval authority is used to set the final approver of approval package or One Pager transaction.

• Click on “Approval Authority Tab” to enter the section displaying different Approver as per Bank’s Policy
• Select the final approver of the credit Proposal from authorities displayed on the screen
• Select “YES” from dropdown value to set approver. Record your comments on the selected approver (Comments are
mandatory) and click on save
• Once approver is set in ‘’Approval Level Section’’ set approver will be highlighted as “RED”
GENERAL FIELDS IN THE APPLICATION

Through approval tab user route the approval package or One pager transaction through the management for approval

• Click on to ‘’Approval tab” to take action of the Credit proposal

• Select the desired authority profile from dropdown in “Authority Action“
• Check mark the authority name from “Nominee List “to forward the case
• Click on “link” to capture the nominee
• User to enter Observation in ‘‘Comment box’’
• Click on ‘‘Action’’ button to forward the case
• In Approval level current routing hierarchy the current position of approval package or transaction is highlighted as
‘’GREEN’’ for the user to identify
LOG IN

RiskNucleus Loan Origination System is a web based application which can be accessed through web browser.

1. Input user “Login-ID” and “password” to enter the application

2. “User name” and “profile” will appear on the top right section of the screen
3. In sign-out menu there are 2 option logout and “Account setting”. Upon clicking logout user session will end
4. Upon clicking Account setting user can switch to different Profiles by selecting “default profile” and click on save button.
HOME SCREEN
RiskNucleus Routing Engine communicate with users through email notifications. Notifications contain messages that inform users that a
request for Approval Package/ Transaction has been sent to them and allow them to perform action. When a request has been forwarded/
reverted to an approving authority, a notification generates in Inbox.

Home page consist multiple option defined below for the user to perform their daily credit related task on the application

A. “Bucket list” contain cases those are currently In-progress this means user is allowed to take action such as (add, edit , delete) on these
cases, Bucket list comprises of two option “Approval Package” and “Approval Transaction”. “Approval package” contain all package(Fresh
case, Renewal, Interim) and “Approval transaction” contain all the transaction (Memo etc).
B. User can view Incoming notification of Credit Proposal package and transaction using “INBOX”
C. User can view Outgoing notification of Credit Proposal package and transaction using “OUTBOX”
D. “My cases” contains all the cases initiated by the user.
E. “Create Obligor profile” to create new obligor
F. “Obligor search” used to search desired cases.
G. “Customer Log” contains the “Current and Over All” TAT of all the cases of the user
CUSTOMER PROFILE

User create obligor by clicking on Create Obligor menu on Home screen. Upon clicking create obligor user will be directed to new
profile screen. The screen comprises of four tabs for the user(s) to fill all relevant information before saving the Profile.
Mandatory details are marked with (Red Highlighted) and user can not save customer profile without those information.

1. Click on “New” button to add a new Obligor Profile, upon clicking fields will be enabled to enter details.
2. Fill information in tabs i.e. “Obligor Information, Obligor Business & Limit, Other Banking Arrangements, Obligor Management
Details”.
3. Click the add new icon next to Obligor address detail in Obligor Information tab.
4. Enter details of obligor address detail and click on Save button (At least one address should be marked as an “DEFAULT” ).

Note: (In case customer is existing then user should check mark on “IS CUSTOMER EXISTING” and type the Core Banking “CIF
ID” ).

Click on next page to view the images

CUSTOMER PROFILE

“Obligor Business Limit” will allow user to enter obligor information such as “Sector, Industry, Sales , Employs , equity and other
information”

5. Click on Obligor Business & Limit tab to enter details in fields such as(Sector, Industry etc)

6. Select & enter data from Basel category, Business Segment, No of employee, net sales etc

7. SBP PR regulation showing current limits for the user to display only .(Both Funded and non funded calculation is conducted as
per Bank equity provided by the Bank)

Click on next page to view the images

CUSTOMER PROFILE

8. Enter Other Banking limits information of the obligor click on the tab “Other Banking Arrangements“.

9. Click on “Add” button and enter relevant data “Total Limits With Other Bank(s)” and save. The saved data will appear on grid
upon saving

10. Click on “Add” button and enter relevant data “Details of Account Deposits with JS” and save. The saved data will appear grid
upon saving

11. Enter data in “Total Limits With Other Bank(s)” and save.

12. Enter data in “Details of Account Deposits” and save. The saved data will appear on outside grid in front of case

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CUSTOMER PROFILE

13. Click on “Obligor Management Details” tab to and enter management detail

14. Click on add Management and enter information of multiple members in the management tab.

15. Select Management “Type, Title, and enter other information regarding company management details”.

16. Upon clicking on “Save” button the management will be saves. The saved data will appear grid upon saving. User can add
multiple Management members.

Note: To save the obligor click on “Save” button on Main obligor screen.

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CA PACKAGE

Once profile is saved user will click on “Approval Package” button to prepare Credit Proposal, where the user must enter
an Expiry date of the package.

User will Specify “Proposed Expiry Date” in proposal basic detail menu by using date picker and click “Save” button from
the bottom to create a customer.

If customer is marked as existing in profile level. User can also have to input “Existing Expiry date” using date picker

Note: This will sanction the user to prepare the Credit proposal for the customer, and multiple tabs will appear where
user will record customer information.
SNAP SHOT

17. Snapshot is read only tab which will provided customer package summary based on bank’s provided formats. This feature
facilitates business team to represent a clear picture of customer information along with limits and Collateral.

• Customer CA Details : Will Provide customer information such as (Customer name, Regulatory segment, CIF No, External
Ratings etc)

• Facility Details: Will provide customer Limits summary such as (Code, Limit, O/S, Limit, Inc/(Dec), Existing and Proposed
Facility & Security Description ) other relevant information

• Group Facility Details Will provide Group Customer Limits summary such as (Code, Limit, O/S, Limit, Inc/(Dec), Existing and
Proposed Facility & Security Description) other relevant information

• Group Collateral Details Will provide Group customer collateral summary such as (Existing & Proposed, Margin (%), MV
(DP), FSV (DP))

• Group Summary: Will provide Overall Group customer collateral summary such as Name of the (Company, Max Fund Based,
Max Non-Fund Based, Max Total Limit, ORR & CA Expiry Date)
DOCUMENT

18. Select dropdown option “ Yes, No, N/A” from Credit Proposal Checklist Action Point, if selected “No” then user must enter his
reason in comment section. After selecting all information from checklist click on save button.

19. Credit proposal documents provided by the bank are incorporated in the system. To add an attachment user should click on
“Attachment” option and click on browse to add document and click on save icon. In order to view the document click on
attachment icon to view the document.

20. User can also upload other relevant customer documents which are not a part of approval package by using Other document
option, to upload click on browser and upload file from destination.
AUDIT AND COMPLIANCE STATUS

To Enter Audit & compliance tab click on Edit icon and (Add, Edit, Delete)

21. Click Upon “Action” icon to enter information in (“Comments by Auditors & Status as per UER:”)

22. Select option from dropdown in “Compliance Detail (Manual Selection)”.

23. Enter text of “Compliance Status of Approved Conditions / Covenants (Applicable to interim / annual review only) ”

Click on “Save” button on the bottom the screen.

CREDIT MEMORANDUM

Credit Memorandum contain descriptive write up fields

for business team which captures detail about the
customer information for security/support analysis &
risk analysis of the customer.

To Enter Audit & compliance tab click on Edit icon

and (Add, Edit, Delete)

The page consist of multiple options for the user such

as

• Auto pick which will appear from other places, these

fields are Un-editable for the user

• Text boxes to Input text

• Select option for the user to select

Upon inputting relevant data user should click on

“Save” button of the page
ORR

User will perform Obligor Risk Rating (ORR) by

clicking on the tab.

It is mandatory for both Business and Risk

profiles to perform ORR for the credit proposal
to proceed.

24. Business and Risk profiles to will select and

enter information in ORR.

25. Enter data in “Impact on Capital Adequacy

Ratio (CAR) & Profitability” .

26. Upload document by using the attachment

options.

Click on “Save” button

POLICY EXCEPTION

27. Click on “Policy Exception“ to mark the exceptions on credit proposal. Multiple exception will appear for the user to select from
dropdown

28. If exception is non compliant user should select “NO” from drop down user should enter information in comment text box

29. If exception is compliant user should select “YES” from drop down.

30. If exception is Not available user should select “N/A” from drop down.

31. Check mark on “I have reviewed all the above Policy Exception”,

Click on save button at the bottom of screen.

FINANCIALS

Financials tab allow users to enter the financial spreads of the customer in the application. User can input multiple years
financials in the application. The Financial be displayed in Financial tab screen under “Key Financial Summary”.

32. Click on “Financial statement” button to enter the spreads.

33. Click on new to add new financials spreads.
34. Select “Financial type, Financial year, Tenor, audited, from and to ” check box and select the “Auditor “and “Currency”.
35. Click on “Input Financial” to enter the financial in system spreads.
36. Once all the financial are entered in (IS,BS etc) user should click on “Calculate” button first to verify the financials
37. Click on “Save” button to save the financial

(Note: Click on calculate button to perform calculations in financials. If balance sheet does not balance it will show an Popup
of ”Check balance“ which will indicate that the user must balance financial and the user should check the spreads.

Note: * If the balance in financial is “Zero” or”0” in cash flow click on “Save”.

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FINANCIALS
PR CHECKLIST

PR Checklist module is used to calculate the

deviation of customer lending limit.

38. Click on perform PR to enter in PR

calculation section

39. Input information in the actual fields which

will calculate the Deviation and identified by
(YES/NO) upon clicking generation button from
the bottom of the screen.

40. Enter values to “Other Prudential

Regulations relevant to Individual Credit R3
Minimum conditions for taking exposure “

41. Click “Generate” to enter generate to

calculate.

42. Click on “Save” button to save performed PR

checklist .
AUDIT

43. User can view the changes made by different users on the package to verify the accuracy of data by clicking on audit tab
FACILITY/COLLATERAL

Proposed Facility /Collateral is core functionality LOS application, where users are creating obligor’s credit limits in
package for approval process. Facility and limits with distinctive parameters are captured using this screen. Using main-
sublimit concept, application enables the user to manage obligor’s requested limits pertaining to Sublimit (with-in-
which) concept of limit management. Apart from limit management, screen keeps track of all pivotal traits required
against limit requested such as “Facility Start Date, Facility Tenor (Maturity), Facility Purpose, marking facility as
revolving” etc. All important information provided by the bank is readily available for reporting. Fields / data elements of
screen are elaborated in on this page. Following information is displayed on the page;

Limit & Exposure Details: Limits Management allows user to make one or multiple facilities for a customer. Limits can be
set for each facility granted to a customer. User can capture the limit amount along with other details as applicable to the
customer’s credit facility. The setting of the limit enables the application to validate the limits defined for each Credit
Facility against the overall limit granted to the Borrowing Entity. Within a Credit facility, several sub facilities can be
defined for a customer. Each sub facility can act as a Main facility for an additional level of sub facility, resulting in the
definition of limits at multiple levels.

Main Limit– Main limit is defined when the user want to make sub limit.
Is this Revolving Limit ?- User to check mark if the facility is “Is this Revolving Limit ?”
Is this facility 100% Cash Secured?– Check mark if the facility which is cash backed
Facility Purpose– Enter the detailed information about the Facility. Enter description of the purpose for which the facility
has been availed.
Is this OTT Limit ? – User has to check the Limit is One time transaction “OTT “if it is not a Revolving Limit.
Facility Tenor – The amount of time for the repayment of a loan or facility or the initial term length of a loan. Tenor can be
expressed in years, months or days.
Facility Requested Limit – User has to enter the Facility Limit Amount. The aggregate of Sub Credit Facility limits should be
equal to the Main Credit Facility limit in any case.
Outstanding Markup: User to enter Outstanding Markup

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FACILITY/COLLATERAL
Outstanding Exposure- Enter outstanding exposure on facility requested limit

Country – Select the title of the country that is being setup.

Is Syndicated Limit: User has to check the box for enabling Syndication Amount & percentage fields.
Total Syndicate Amount: A facility provided by a group of lenders to a single borrower is known as the Total Syndicated
Amount. Syndicated loans are made in large amounts that would be too large for one lender to handle. It may be a direct
loan or a revolving line of credit or a combination of the two. Total Syndication Amount cannot be lower than the Facility
Requested limit.

FRR: Select Facility Risk Rating from dropdown value

RWA – Enter risk weighted assets.

Outstanding Detail – Enter all Out standing detail in the section.

Overdue Detail – Enter all overdue detail in the section

Facility Tenor: The amount of time for the repayment of a loan or facility or the initial term length of a loan. Tenor can be
expressed by user entering details in Principle Grace Period, Markup Grace Period, Validity, Availability Period, Facility
Maturity/Expiry Date, Markup Payment Frequency, Principal Repayment Frequency.

Other Condition: Enter information in the Text Area

Proposed Facility Specific Conditions: Enter information in the Text Area

Existing Facility Specific Conditions: Enter information in the Text Area
Proposed Facility Specific Waivers / Deferrals: Enter information in the Text Area
Existing Facility Specific Waivers / Deferrals: Enter information in the Text Area

Cleanup Detail : Enter information in the Text Area

Facility Branches: Select the branch and enter the Exposure to the branch

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FACILITY/COLLATERAL

Click on proposed facility and Collateral. Click on new to enter facility in application

44. Enter limit and exposure detail.

45. Select Requested facility from drop down value.
46. Enter data in Limit exposure section
47. Enter data in Outstanding Exposure
48. Enter data in Facility Tenor
49. Select data in other detail
50. Enter data in pricing structure in supporting information tab
51. Click on save button to save the facility
52. Click on edit button on collateral list tab
53. Click on icon to add a new collateral.
54. Select any collateral classification from dropdown
55. Enter Collateral FMV
56. Enter data in collateral description.
57. Click on save button to save the collateral, the collateral will be added in collateral list
58. Click on the name of collateral to link the collateral
59. Enter collateral coverage in percentage up to (100%)
60. Check mark linkage validity for “if the collateral is existing or proposed”
61. Clink on Link collateral to connect the collateral with the desired facility
62. Click on icon to delete the collateral from the customer
63. Click on the icon to unlink the collateral from the facility
64. Click on save button to save the facility and collateral

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FACILITY/COLLATERAL

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FACILITY/COLLATERAL
RISK REVIEW SHEET

Click on edit icon next to “Risk Review Sheet” button to enter in edit Mode

65. Enter data in other information tab

66. Enter data in Limit Structure
67. Enter data in Prime Security for Total Exposure and its values
68. Enter data in Business Reciprocity through JSBL.
69. Click on save button.

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RISK REVIEW SHEET
APPROVAL AUTHORITY

Functionality of Approval authority is used to set the final approver of Credit package.

70. Click on Approval Authority tab

71. Select the final approver by selecting “Yes” and pass the comment (Comments are mandatory)
72. Click on “Save” button to set approver
APPROVAL CONDITIONS & RISK TRIGGERS RISK

User can mark Deferral in Approval Conditions & Risk Triggers by clicking on the tab.

73. Click on next to Deferral to add deferral with the customer approval package
74. Select the “Applicable to” from the dropdown
75. Click on “Save” button to add the deferral.
APPROVAL CONDITIONS & RISK TRIGGERS RISK

User can mark Waiver in Approval Conditions & Risk Triggers Risk by clicking on the tab.

76. Click on next to “Waiver Of Documents Or Conditions” to add a Waiver with the customer approval package
77. Click on “New” to mark the waiver
78. Click on check mark on “Waiver Exception on” the applicable to from the dropdown
79. Select “Waiver” against exception from dropdown.
80. Click on “Save” button
APPROVAL CONDITIONS & RISK TRIGGERS RISK

User can mark Conditions and covenants by clicking on Approval Conditions & Risk Triggers Risk tab.

81. Click on to attach a Standard Approval Conditions & Covenants with the customer approval package
82. Click on “New” to mark the Standard Approval Conditions & Covenants
83. Enter data in “Description” the applicable to from the dropdown
84. Click on “Save” button to save Standard Approval Conditions & Covenants .
APPROVAL CONDITIONS & RISK TRIGGERS RISK

User can mark General Covenants / Approval

Conditions using additional condition by clicking on
the tab.

85. Click on next to General Covenants / Approval

Conditions (Customer) to add new condition

86. Click on “New” to mark the Standard Approval

Conditions & Covenants

87. Enter “Description” and other relevant

information

88. Click on “Save” button to save.

APPROVAL

Through approval tab user route the

approval package through the management
for approval.

89. Click on to “Approval tab”

90. Select the desired authority profile

91. Enter your endorsement in ‘Comment

box’. This text is mandatory for Forwarding /
Reverting the case

92. Check mark the authority name from

nominee list to forward the case

93. Click on ‘Link’ to capture the nominee

94. Click on ‘Action’ button to forward the

case.
ONE PAGER TRANSACTION Activity

All the post approval activity will be initiated by clicking on “Approval Activity” button. The Button will only be enable once the
Fresh case is approved.

95. Click on “Approval Activity” button from the bottom of the screen. It will direct the user to “Transaction Approval Activity”.

96. Drop down will appear with multiple “Action Information” .

Note: (User to select the desired transaction from the drop down menu.)

97. Click on “Save” button. Note: ( This action will direct user to one pager format provided by the bank.)
ONE PAGER Activity (Memo for Extension of Annual Review Date)

98. Select Date from Date Picker “Outstanding as on

(Date)”.

99. Enter latest Outstanding against the facilities

100.Select date from date picker in “To be Extended

up to (Date) and Period (Days)”

101.User to enter data in Transaction Details

/Covenants .

Click on save to record the entered data.

Note: Selection of approval authority and routing of

transaction is done using the same steps provided
earlier. Visit ‘GENERAL FIELDS IN THE
APPLICATION’ at the start of the user manual.
ONE PAGER Activity (Memo for Deferral / Waiver of Documents)

102. Select Date from Date Picker “Outstanding as on

(Date)”

103. User will enter latest Outstanding against the

facilities

104. Enter data and from date picker in “To be

Extended up to (Date) and Period (Days)”

105. User to enter data in Transaction

Details/Covenants

Click on save to record the entered data.

Note: Selection of approval authority and routing of

transaction is done using the same steps provided
earlier. Visit ‘GENERAL FIELDS IN THE APPLICATION’
at the start of the user manual.
ONE PAGER Activity (Memo for Issuance of NOC for Charges)

106. Select Date from Date Picker “Outstanding

as on (Date)”

107. User will enter latest Outstanding against

the facilities

108. User to enter data in Transaction

Details/Covenants

Click on save to record the entered data.

Note: Selection of approval authority and

routing of transaction is done using the same
steps provided earlier. Visit ‘GENERAL FIELDS IN
THE APPLICATION’ at the start of the user
manual.
ONE PAGER Activity (Memo for Other Credit Request)

109. Select Date from Date Picker

“Outstanding as on (Date)”

110. Enter latest Outstanding against the

facilities

111. Enter data in Transaction

Details/Covenants

Click on save to record the entered data.

Note: Selection of approval authority

and routing of transaction is done using
the same steps provided earlier. Visit
‘GENERAL FIELDS IN THE APPLICATION’
at the start of the user manual.
ONE PAGER Activity (Memo for Early Alert)

112. Add overdue detail by clicking on

“Action” button. Select the facility and input
data in Overdue principle, Over due Markup,
DPD. (Multiple Overdue detail can be enter by
clicking on action button)

113. Select the status by selecting information

from Dropdown and enter comments

114. Facility summary will provide

information regarding facility , limits and
security. (Display only Feature)

115. User to enter data in Transaction

Details/Covenants

Click on save to record the entered data.

Note: Selection of approval authority and

routing of transaction is done using the same
steps provided earlier. Visit ‘GENERAL FIELDS
IN THE APPLICATION’ at the start of the user
manual.
ONE PAGER Activity (Write-Off / Waiver Memorandum)

116. Enter Outstanding amount in “Waiver-off/ Waiver memorandum”

117. Select Date from Date Picker “Outstanding as on (Date)”
118. Add Overdue Details by clicking “Action” and select Facility Type and enter details in Overdue Principal, Suspense Mark-up ,
Accrued Markup, Late Payment / Other Charges, Total (Multiple Overdue detail can be enter by clicking on action button)
119. Add Requested Waiver / Write-off by clicking “Action” and select Facility Type and enter details in Principal, Suspense Mark-
up , Accrued Markup, Late Payment / Other Charges, Total. (Multiple Requested Waiver / Write-off can be enter by clicking on
action button)
220.Select and enter data in “Security and other legal charge documentation reviewed by CAD” if any
221. Enter data in “Transaction Details/Covenants” click on save button.

Note: Selection of approval authority and routing of transaction is done using the same steps provided earlier. Visit ‘GENERAL
FIELDS IN THE APPLICATION’ at the start of the user manual.
ONE PAGER Activity (Classification Memorandum / Review)

122. Add overdue detail by clicking on action

button. Select the facility, Enter data in
Overdue principle, overdue markup & DPD
(Multiple Overdue detail can be enter by
clicking on action button)

123. Add classification detail by selecting the

facility Type , O/s , Classification, Classification
Category, Classification Date, FSV Benefit
Available** , Expected Provisioning, Suspended
Interest, Write-off(if Any). (Multiple
classification detail can be enter by clicking on
action button)

124. Select data in “Security and other legal

charge documentation reviewed by CAD”

125. Select “Action Plan / Recovery Strategy

Going Forward” and enter data

126. User can enter data in transaction

detail/Covenants.

127. Facility being consider provide the

summary of facility and collateral. (Display
only Feature)

Note: Selection of approval authority and

routing of transaction is done using the same
steps provided earlier. Visit ‘GENERAL FIELDS
IN THE APPLICATION’ at the start of the user
manual.
ONE PAGER Activity (Offering Ticket)

128.Enter relevant information in offer ticketing

Click on “Save” button

Note: Selection of approval authority and routing of transaction is done using the same steps provided earlier. Visit ‘GENERAL
FIELDS IN THE APPLICATION’ at the start of the user manual.