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Business meeting

 Lending Capability

Lending Key OEM Experience

Loan Origination System

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Loan Management System

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Collection

Lending Key Clientele

Loan Origination System

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Loan Management System

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Collections

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Lending-Process Coverage

LOS

LMS

Collection

Limits
& Collaterals

• Sourcing Channels

• Quick Data Entry

• KYC & Dedupe

• Detailed Data Entry

• Document Collection

• Field Investigation

• Technical Evaluation

• Legal Evaluation

• Property Valuation

• Personal / Video Discussion

• Fraud Control Unit

• Risk Control Unit

• BRE

• Loan Details

• Collateral Assessment

• Fees & Charges

• Underwriting

• Disbursement

• Deviation Matrix

• User Management

• Query & Communications

• Triggers & Escalation

• Vendor Management

• Interfaces

• Reports

• Accounting Entries for   Disbursement

• Interest Calculations &   Demand Generation

• Payment Apportionment

• Repayment by different modes

• Part Payment

• Advance EMI

• PDC Instruments Processing

• Amendment & Rescheduling

• Charges Amortization

• Credit & Debit Notes

• Renewal

• Subsidy management

• Crystallization of FCY Loans

• Syndication

• Restructuring

• Waiver of Interest / Principal

• Debt Consolidation

• Loan Account Recall

• Closure

• Asset Classification &   Provisioning

•Write off / Charge off NPA A'cs

•Reversal of Charge off

•Recovery after Charge off

•Loan Cancellation

• Bucket Definition

•Segmentation

•Collection Strategies

•Allocation

•Legal Workflows

•Criminal Workflow

•Civil Workflow

•Securitization Workflow

•Repossession Workflow

•Settlement Workflow

•Receipts

•Commission & Incentives(CNI)

•Mobile Collection

• Limit Node Creation (Funded &   Non-Funded)

• Sanction Limit Management

• Transfer of Limits

• Linking of Collateral to   Account & Limit Node

• Change of Collaterals

• Lodging of Different Collaterals

• Substitute of Collaterals

Corporate Lending-Process Coverage

Lead Generation

Collateral Mang

Loan Application

Limits
Setup & Mang

•Lead/prospect generation by RM

• Evaluation of  lead/prospect   financials & other exposures,       through aggregator

• KYC’s

• Pre-approved Limit to    prospective corporate customers.

•Portfolio analysis.

•Different Collateral types

•Multiple Valuation

•Allocation to Limits

•Revaluation

•Release

•Repossession & Disposal

•Data flow from CRM.

•Dedupe check , Bureau Check, Defaulters' checks

•EWS

•Credit Appraisal Memo

•Ratios Analysis

•Financials Analysis – Balance Sheet, P&L, Cash flow & Fund flow

•Integration with different systems like CPCS, CRILC, AML, Common Director, Connected Lending, Exporter RBI caution list, etc.

•Fund and Non Fund Based

•Parent & Child Limit

•Fungible and Non Fungible

•Multi Currencies

•Seasonal / Adhoc Limits

•Revolving & Single Transaction

•Renewal of Existing Limit

•Apportioned

•Consortium / Syndicated Line

Corporate Lending-Process Coverage

Sanction & Approval

Disbursement

Post Disbursement
Account Monitoring

Post Sanction & Pre 
Disbursement

•Deviations

•Internal & External Rating

•Pricing calculator for fetching ROE details.

•EWS triggers based on external data.

•System-driven decisions based on application of rules

•Program based lending basis of predefined policy/rules.

•Approval workflows for program cases

Policy library of Business rules

 •Integration with CBS.

•Disbursement memo .

•Digital/ e-signing/ e-stamping for documents .

•Integration with multiple geography instances of CBS for accounting setup .

•Data flow in Security valuation module from sanction / CAL. Auto flow of data in core system

•Integration with CBS.

•Disbursement memo .

•Digital/ e-signing/ e-stamping for documents .

•Integration with multiple geography instances of CBS for accounting setup .

•Data flow in Security valuation module from sanction / CAL. Auto flow of data in core system

•Board resolution

•Legal Documents like Hypothecation agreement, Pledge Letter, Mortgages  etc.

•Registration of Charges with Registrar of Companies

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Lending Case Studies

Case Study RCBC LOS

The Rizal Commercial Banking Corporation, commonly known as RCBC, is one of the largest universal banks in the Philippines with total consolidated resources of Ph₱ 1.2 trillion.

About

Bank is migrating from its LOS internal system to Newgen with SIT , UAT and Automation  testing.

Project Scope

Modules In Scope

• STP without API Journey                                 • Paper Based Journey

• STP with API Journey                                         • Master Maintenance

• NSTP Journey

​

Product Scope

• Phase 1 - Auto loan (New - Dealer)             • NSTP Journey

• STP without API Journey                                 • Paper Based Journey

• STP with API Journey                                        • Master Maintainance

​

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•Test Coverage with 100% As per RTM

•30% - Automation script are used for Manual test data preparation at that time of Phase 1A execution.

•1506 /1890 test cases are automated (86.8%)

•Daily 3 STP W/ WO API& NSTP Happy flows & Negative scenarios, weekly 2x executions

•Reducing 20% design time by using existing test assets.

Key Achievements

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