Cbs 226 Jobcard Laps Corporate Module

7/29/2019 Cbs 226 Jobcard Laps Corporate Module

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Andhra Bank(A Govt. of India Undertaking)

Department of Information Technology,D Block, III Floor, "Cyber Gateway", Hitec City, Madhapur,

HYDERABAD - 500 081

Tel : 040 - 23122266; FAX 040 23122261___________________________________________________________________

CBS Document No.CBS/226 Dated: 05-02-2011

Modified on 31.03.2011

JOB CARD ON LAPS CORPORATEMODULE

(FOR PROCESSING OF TERM LOANS , WORKING CAPITAL FUND & NON FUND LIMITS )

PRODUCTS AVAILABLE UNDER THIS MODULE:

1. Product for processing of Loan Proposals for limits of Upto Rs.2 Lakhs( For RT,BE, PSE & RTO Loans)

2. Product for processing of Loan Proposals for limits of Rs.2 Lakhs and upto Rs.10 Lakhs,

3. Product for processing of Loan Proposals for limits of Rs.10 Lakhs andup to Rs.50 Lakhs,

4. Product for processing of Loan Proposals for limits of above Rs.50

Lakhs,

RATING MODELS AVAILABLE IN THE PACKAGE

1 ) Rating for MSME/RT/small business category(For loans of above Rs.2 Lacs to Rs.5 Lacs)Rating for Professional Self employed & RTO Category

2) Credit Rating system (CRS) with & without audited Balance sheet(For Fund based limits of Rs.5 lacs to Rs.50 lacs)

3) Credit Risk Assessment of the Borrowal Account (CRAS) with &Without Balance sheet(For Fund based limits of Rs.50 lacs to Rs.5 Crores)

CIRCULAR REFERRENCES OF LAPS CORP MODULE:

1 Our Ho Cir No.155 Ref No.01/01 Dt.31.07.20102 Our Ho Cir No.441 Ref No.52/08 Dt.31.03.2011


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I N D E X

S NO NAME OF THE CONTENT PAGE NO.

1 Creation of Customer ID 3

2 Creation of New Application 4

3 Financials & Formats 5

4 Ownership & Management 6

5 Brief History 6

6 Banking Arrangement 6

7 Guarantors & Securities 7

8 Financials 7

9 Upload of Financials 9

10 Risk Rating 10

11 Financial Analysis & Assessment 10

12 Annexures 11

13 Comments & Recommendations 11

14 Key Information 12

15 Terms & Conditions 12

16 Process Note 12

17 Work Flow 12

18 13


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About Specific Tabs with regard to various Limits19 Limitations of LAPS Corporate Module 14JOB CARD ON LAPS - CORPORATE MODULE

SEQUENCE OF STEPS TO BE FOLLOWED FOR PROCESSINGCORPORATE LOAN LIMITS THROUG LAPS CORPORATE MODULE

(TERM LOANS , WORKING CAPITAL FUND & NON FUND BASED LIMITS)STEPS ACTIVITY / TABS PROCEEDURE TO BEADOPTED

IMPORTANTPOINTS &SYSTEM lOGICS

STEP 1 CREATION OFCUSTOMER ID

Login into LAPS module Click

CORPORATE ClickCUSTOMER PROFILE Click

New Applicant Give therequired inputs and click apply

button to save the details and

note the Customer ID generatedand displayed on the top of the

screen.

If the Customer ID is alreadyavailable in LAPS data basesearch the customer with thehelp of either by Name, LAPS

Customer ID No. or BSR Code

Presently Interface

Module is notenabled for

Corporate Module.So Finacle ID can

not be used orlinked to LAPS

corporate Cust-ID

NOTE: Now the user has to create an application for the customer ID created to process

the same. Unit of amounts will be Rupees in lakhs. But for product of limits up to Rs.2lakhs units are shown against the respective tables. Please be guided accordingly.

At this stage the total Tabs have been divided into two parts i.e., Application part &

Processing part. For navigational convenience two buttons A&P are provided on the topright hand side of the Application screen with which user can navigate from one part of theproposal to another part of the proposal.

The following are the steps to be followed for processing corporate proposal through ourLAPS package.

Step 2 to 9 deals with first part of the proposal wherein majority of the data entry to bedone by the user and step 10 to 17 deals with second part of the proposal wherein systemgives several outputs for which user has to give his comments & recommendations.

Step 18 to 20 deals with specific tabs designed for different range of limits i.e limits ofupto Rs.2 lacs, Rs.2 to Rs.10 lacs, Rs.10 to 50 lacs

Step 21 deals with the limitations of the package


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STEP2

CREATION OFNEWAPPLICATION

Click the sub menu NEW

APPLICATION available in themain menu Search the

customer either with the help of

Customer ID or Borrower Name Click on the Company namedisplayed

1)Then system gives theoption to the user to

choose between proposalfor upto Rs.2 lacs or above

Rs.2 lacs. User has to

select the option as per hisrequirement.

2)Then system gives anotheroption to the user whether

to retain the financials ofprevious proposal or not.

User has to select theoption as per his

requirement3) If it is new customer ID,

click NO to proceed furtherto enter the application

details

4) If it is an existing customerID and if the user wants toretain the financials of the

previous proposal of thesame party clickYES or

click NO to proceedfurther to enter the

application details.

5)Now the following tabs willbe visible wherein the user

has to fill up the exactcontent of the application.

Here system

facilitates the userto retain the

details of previous

application toavoid repetition ofgiving inputswhich will be

generally useful atthe time of

renewal offacilities

NOTE: Now fill up each tab with required inputs with the help of the followingexplanation.


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STEP4

OWNERSHIP &MANAGEMENT

This tab contains 3 sub tabs1)Promoter/Directors

2)Share Holding pattern3)Management

PROMOTER/DIRECTORSIn this tab information with

regard to the ownership of thefirm has to be given

The content in this

tab comes as anoutput in theprocess note.Hence fill it with

due care

SHARE HOLDINGPATTERNIn this tab No. of shares held,face value and percentage of

share holding has to be given

MANAGEMENT In this tab details about theManagement have to befurnished

STEP5

BRIEF HISTORY This tab contains 6 sub tabs1)Brief History

2)Technicalaspects/products

3)Marketing arrangements4)Major development if

any in the company5)SWOT analysis

6)Future outlook of thecompany

The content in this

tab comes as an

output in theprocess note.

Hence fill it withdue care

STEP

6BANKING

ARRANGEMENT

This tab contains 4 sub tabs

1)Banking Arrangement

2)Dealings ofAssociate/Sister/

Group companies3) Current account

Details4)Repayment of

existing loans

BANKINGARRANGEMENT

For any existing limits where

neither enhancement nor

renewal is proposed, those

existing limits have to be enteredin this Banking arrangement tab.

Here details of 1) Sole 2) Multiple3) Consortium limits with our

bank and as well as with otherbanks have to be entered.

The content in this

tab comes as an

output in the

process note.Hence fill it upwith due care


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DEALINGSASSOCIATE /GROUPCOMPANIES /SISTERCONCEERNS

Here details of Associate/Groupand Sister concern have to be

entered.

The content in thistab comes as

output in theprocess note.

Hence fill it up

with due careCURRNET A/CDETAILS Details of existing currentaccount have to be entered hereREPAYMENT OFEXISTINGLOANSDetails of repayment of existinglimits have to be entered here

STEP

7GUARANTORS &

SECURITIES


1)Guarantor2)Securities

The content in this

tab comes as anoutput in the

process note.Hence fill it up

with due careGUARANTOR Here particulars of guarantorshave to be enteredSECURITIES Here details of Movable andimmovable securities have to be

entered

STEP8

FINANCIALS This is very important area wherethe user has to take specialcaution while filling the financialdata. System will give all

arithmetic output basing on thevalues given in this tab and

basing on the selection offinancial years for assessment aswell as for rating


1)Operating Statement2)Liabilities

3)Assets4)Other parameter

Here user can fillup or uploadvalues of thefinancial

statements.

Once the dataentry/upload isover click apply

and then clickcalculate to enable

the system toarrive at the

subtotals andtotals. Dont forget

to select base

years for financials& base year forrating to get the

financial as well asrating outputs.

OPERATINGSTATEMENT & Here the values of given financialstatements i.e operating


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BALANCE SHEET(LIABILITIESASSETS)statement, Balance Sheet has to

be filled up.

1)To start with click edit and givethe dates of financial years and

also select the respective type of

financial data i.e Audited, Un-audited, Estimate, Projected etc;

2) Then select base years forassessment of financials as well

as for rating and then enter the

financial data in the respectiverows.

3) Once the data entry is over

click apply and then click

calculate to enable the system toarrive at the subtotals and totals.

4) Initially system allows the userto enter data for 5 financials

years. If user wants to enter thedata for more than 5 years

complete the above procedureand edit the date of financial

years that suits his requirement

and start entering the data fornext five years. In this scenario

system allows the user to enternew data duly saving the datathat has already entered.

5) User can view the financialdata of first 5 years by clicking

the button PREVIOUS and next5 years data by clicking the

button NEXT.

6) Ensure the check sum inAssets tab as zero to confirm the

tally of Balance sheet If there is

any difference in the dataentered under LIABILITIES and

ASSETS. The same will be


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shown under check sum.

Accordingly user has to rectifythe mistakes in the data entry

until the check sum becomeszero.

OTHERPARAMETER

Whenever user wants to know

the Capital Gearing ratio for theassessment of Non fund based

limits, this field should be filledup.

STEP

9UPLOAD OFFINANCIALS

There is a facility in the system

to upload the Financials suppliedby the borrower in the specified

format for a specific application.

In this case User need not enterfinancials manually in the

packageProcedure to upload

financials into LAPS package:1)Download Blank Financial

Template available in themain Corporate Menu and

get it filled up by theborrower.

2)Go to financials page andclick the button upload

financial Data available inthe Tab OperatingStatement. Then System

prompts the user to givethe path of file. Browse the

path for filled in uploadformat and then click the

button UPLOAD. Systemgives a message

Successfully Uploaded

3)Then click Edit, Apply,Calculate in each tab of

financials i.e OperatingStatement, Liabilities,

Assets and Other

This is an

alternative methodto the above

mentioned manual

entry for filling upthe financial data

Blank Financial

upload format isavailable in the

main CORPORATEMENU.

User need not

download theformat every time

for everyapplication. And itis a one time

activity.

Once the userdownloads this

format, save itsome where in the

PC for future use.


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parameters to save the

data uploaded.4)The system updates

subtotals and totalswherein the user has to

ensure tallying of the

Balance sheet throughChecksum

STEP10

RISK RATINGThis tab Contains 2 sub Tabs

1)Rating Analysis2)Rating Output

If any scoring

point is notapplicable for a

particularborrower or

proposal, selectNot applicable so

as to eliminatethat point from the

total score and toarrive at theactual normalized

score.

RATINGANALYSIS

Here user gets the relative ratingmodel as per the selection made

in the Formats Required tabunder the main tab

FACILITIES & FORMATS

Now User has to choose the

required rating points to get theeligible score of the borrower.

RATING OUTPUTThis is the area where the user

will get the actual score of therespective rating model and can

take the printout of the ratingoutput with the help of the print

option provided.

STEP

11FINANCIALANALYSIS ANDASSESSMENT

Here system will generate

various types of statements of

financial analysis, analytical andfinancial ratios along with various

methods of assessments thatare required for an appraiser to

appraise the loan.

System displays the following

outputs with which the user cangive his/her comments onvarious parameters

1) Analytical & ComparativeRatios

2) Funds Flow Statement

Here user can not

change any values

of the said outputsas the outputs

derived will be onthe basis of the

inputs given underfinancials and also

on the basis of

predefinedformulae set in thesystem.


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3) Assessment methods like

a) Turnover Methodb)Second Method of

lending

c) NWC Build up etc.

STEP12

ANNEXURES This is the tab where the userhas to give the supplementary

information of the Annexures

System displays different typesof Annexures basing on the

formats of process notes selected

User can generate the printoutsof the respective annexures

under the tab Process Note

Here user has togive the inputs for

the annexuresrequired for that

specific proposal.

STEP

13COMMENTS &RECOMMENDATIONS

Here user has to give his/her

comments on various aspects like

1)Comments on FinancialIndicators (User can take a

print out of Financialindicators from the tab

Financial analysis &assessment and use thesame as ready reference

for giving these comments)2) Inspection comments

3)Compliances4)Other comments if any as

per the fields available5) Recommendations of the

appraiser.

The content in this

tab comes as anoutput in the

process note.Hence fill it with

due care.

STEP14

KEYINFORMATION

This tab is key and very vital toget the process note with

This is very vitaltab wherein user


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relevant information.

User has to visit this tab

invariably and has to fill themandatory fields to get the

proper output.

Present reference is the subjectpart of the proposal hence it

should be filled up with relativeinformation

has to give the

required input toget the proper

output of processnote.

STEP

15TERMS &CONDITIONS

User has to visit this tab to get

the Terms & Conditions both inprocess note and sanction letter.

The total bunch of all terms &

conditions will be picked up bythe system both in process note

and sanction letter by justvisiting this tab

If any particular sub head ofterms and conditions is not

required by the user, the samecan be deleted with the help of

the button Delete Terms

User has to

invariably visit thistab to get the

Terms &Conditions, both in

process note andsanction letter

STEP16

PROCESS NOTE This is the area where finaloutput of Process note and

Annexures can be generated

Here system givesdesired outputs as

per the selectionof formats doneinitially at

Facilities andFormats

STEP17

WORK FLOW Here user can send the proposalfrom one desk to another desk as

per the hierarchy of theorganization structure

1) Work Flow Action Select

the work flow point (select the

relative radio button) Select therecipient select the user, Selectthe purpose, enter the remarksand click send.

This is the tabwherein appraiser

can send theproposal to

another user.

This is also the

area whereinsanctioningauthority mayapprove the


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2) In case if the branch userwant to send it to ZO then select

Organisation Select recipient(i.e) user ID at ZO and give

remarks and send.

3) Approval / Rejection

Workflow Action Enter theSanction Letter No. & Due Date

of Sanction enter the remarks click approval / Rejection

button

proposal to get the

sanction letter.

ABOUT SPECIFIC TABS WITH REGARD TO VARIOUS LIMITSSTEP

18FOR LIMITS OFUPTO Rs. 2 lacs

The following are the specifictabs provided for these limits

BASICDIFFERENCE OFTHIS MODULEWITH OTHERMODULES

In this module user will have theoption to get the assessmentsautomatically from the financialsentered in the system oralternatively he can assess the

limit manually without entering

the financials but duly enteringthe required values in the relative

fields of assessments

So enteringfinancials likeBalance sheet &operatingstatement is not

mandatory for this

module unlikeother modules of

above Rs.2 lakhsACTIVITY &ASSESSMENT

A new tab Activity &

Assessment is available in thismodule wherein relative fields for

RT,BE, PSE & RTO loans will beenabled as per the selectionmade by the user in the facility

page.

RISK RATING Even though there are no specificrating models stipulated for limits

of upto Rs.2 lacs, Provision isgiven to get the rating basing on

the existing rating models forsmall loans. It is upto the user to

use the same or not

STEP19

FOR LIMITS OFRs. 2 lacs to Rs.



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10 lacsOPERATIONS INACCOUNT Relative information has to be fedhere -do-POSITION OFACCOUNT Relative information has to be fedhere -do-

STEP20

FOR LIMITS OFRs.10 to 50 lacs


OPERATIONS INACCOUNT Relative information has to be fedhere The content in thistab comes asoutput in the

process note.

Hence fill it upwith due care

BUSINESSTURNOVER Relative information has to be fedhere -do-

STEP 21LIMITATIONS OF THE LAPS CORPORATE MODULE:

Unlike other Modules of LAPS package, LAPS-Corporate Module has the

following limitations for which user has to take necessary extra precautionswhile appraising & sanctioning the Loan proposals.

1INTERESTRATES

User has to specify the interestRate as per the Facility, Limit &

period of loan and system will notpopulate interest rate

automatically

System will notpopulate the

Interest Ratesautomatically.

2DELEGATION OFPOWERS

User has to be very careful and

ensure himself about his/herdelegation of powers assigned /

applicable as per his cadre and asper the limits proposed to be

sanctioned for a particularborrower and for a particulartype of facility and System willnot check/validate the

delegation of powers.

There is no check

/ validation ofdelegation of

powers in thesystem. User

should verifyhis/her powersmanually whilesanctioning a

proposal.


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3EXPOSURENORMS

Even though Exposure norms are

parameterized in the system toprovide necessary alerts at the

time of filling up the facility page,alerts will come basing on the

data available in the laps

database. Hence exposures withregard to single borrower, Groupborrowers, Industry may be

correct wherever complete dataof that particular borrower is

available in LAPS database.

4FINANCIALANALYSIS

Output of Financial analysis isvery much dependant on the

input given by the user infinancials page. For any change

in the output user has to inputthe relative data in the financials

5 ASSESSMENTSSystem shows different types of

assessments basing on the typeof the loan and size of the limits.

Appraiser has to take decisionsduly analyzing the outputs.

***End of Document***

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Cbs 226 Jobcard Laps Corporate Module

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