Llm Loan Lifecycle Managerv1 6

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Loan Life cycle manager

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Llm Loan Lifecycle Managerv1 6

  1. 1. Loan Lifecycle Manager Product Feature Presentation ©2009 Qualtech Consultants All rights reserved.
  2. 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. 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.
  4. 4. <ul><li>Loan Origination System </li></ul>©2009 Qualtech Consultants All rights reserved.
  5. 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
  6. 6. Loan Origination System <ul><li>Quick Data Entry and Detail Data Capture </li></ul><ul><li>Individual and Corporate Data Capture </li></ul><ul><li>Group based lending data capture </li></ul><ul><li>Sourcing and Fulfillment Channels </li></ul><ul><li>Sales Manager and Branch Manager </li></ul><ul><li>Customer Information </li></ul><ul><ul><li>Demographic - Personal, Dependents </li></ul></ul><ul><ul><li>Address – Residence, Office, Permanent, SOS </li></ul></ul><ul><ul><li>Bank Details </li></ul></ul><ul><ul><li>Other Loan details </li></ul></ul><ul><ul><li>Credit Card Details </li></ul></ul><ul><ul><li>Income & Employment Details </li></ul></ul><ul><li>Capture multiple addresses </li></ul><ul><li>Captures multiple entities - Guarantor/Co-applicants/References </li></ul>©2009 Qualtech Consultants All rights reserved. Case Booking / Data Capturing Information Capturing
  7. 7. Loan Origination System <ul><li>Workflow </li></ul><ul><ul><li>Configurable Process Workflow at product level </li></ul></ul><ul><ul><li>Allows to go back to old stage of workflow </li></ul></ul><ul><ul><li>Queue/List Management </li></ul></ul><ul><li>Access Mode </li></ul><ul><ul><li>Menu/workflow stage/data based access to a role </li></ul></ul><ul><ul><li>View, Edit or No Access mode </li></ul></ul><ul><li>Advance Search Feature </li></ul><ul><li>Multiple Due Date Concept </li></ul><ul><li>Cycle Date Concept </li></ul><ul><li>Notepad to share and capture information at any stage </li></ul><ul><li>Configurable Service Tax computation at Charge Level </li></ul>©2009 Qualtech Consultants All rights reserved. Other Features? Country Region Location Branch N-Level Geographical Hierarchy Portfolio Product Scheme N-Level Product Hierarchy <ul><li>Pre-EMI and Excess Interest Handling </li></ul><ul><li>Pre-Disbursal System Review for </li></ul><ul><ul><li>Data correctness and completeness </li></ul></ul><ul><ul><li>Verifies all verification, deviation and document completeness </li></ul></ul><ul><li>Part Disbursal </li></ul><ul><li>Multi-Party Disbursal </li></ul><ul><li>Generic and Flexible financial accounting handling </li></ul>
  8. 8. Loan Origination System <ul><li>Location Level Configuration for </li></ul><ul><ul><li>Sales Manager </li></ul></ul><ul><ul><li>Valuation Officer </li></ul></ul><ul><ul><li>Branch Manager </li></ul></ul><ul><ul><li>Sourcing and Fulfillment Channels </li></ul></ul><ul><ul><li>Users </li></ul></ul>©2009 Qualtech Consultants All rights reserved. How configurable it is ? <ul><li>Product Level Configuration for </li></ul><ul><ul><li>Work Flow </li></ul></ul><ul><ul><li>Valuation Screen (Gold / Property etc) </li></ul></ul><ul><li>Scheme Level Configuration for </li></ul><ul><li>Case Details </li></ul><ul><ul><li>Max/Min Loan Amount </li></ul></ul><ul><ul><li>Tenure </li></ul></ul><ul><ul><li>Interest Type (Effective /Flat) </li></ul></ul><ul><ul><li>Max/Min Interest </li></ul></ul><ul><ul><li>Offset </li></ul></ul><ul><ul><li>Max LTV </li></ul></ul><ul><ul><li>Max DBR </li></ul></ul><ul><li>Applicant Type (Guarantor, Reference) </li></ul><ul><li>Mandatory Charges with Default, Max, Min values </li></ul><ul><li>Mandatory Document type & Document Name </li></ul><ul><li>Mandatory Verifications </li></ul><ul><li>Accounting Templates </li></ul><ul><li>Read only and Mandatory Fields configuration </li></ul><ul><li>Multiple Decision levels </li></ul><ul><li>Role/User Level Configuration for </li></ul><ul><ul><li>Menu Access </li></ul></ul><ul><ul><li>Data Access </li></ul></ul><ul><ul><li>Deviation Authority </li></ul></ul><ul><ul><li>Underwriting Matrix </li></ul></ul>
  9. 9. Loan Origination System <ul><li>Multiple modes of execution </li></ul><ul><ul><li>Online </li></ul></ul><ul><ul><li>Batch </li></ul></ul><ul><ul><li>Multiple/ Range De-duplication </li></ul></ul><ul><ul><li>Re-initiate </li></ul></ul><ul><li>Run dedupe on Borrower, Guarantor etc </li></ul><ul><li>Configurable Rule base Dedupe Engine </li></ul><ul><li>Exact Match </li></ul><ul><li>Potential Match </li></ul><ul><li>Show all linked loans of Matched Customer ID </li></ul>©2009 Qualtech Consultants All rights reserved. How will de-dupe engine work ? New Application No Generated De-dupe Triggered Negative cases In Progress cases Rejected cases Closed cases Active cases Against Mapping with External Database also available View De-dupe Match History When required
  10. 10. <ul><li>Scheme level verification initiation </li></ul><ul><li>Initiate and track various kind of verification </li></ul><ul><ul><li>TVR (Telephonic Verification) </li></ul></ul><ul><ul><li>Residence Verification </li></ul></ul><ul><ul><li>Office Verification </li></ul></ul><ul><li>Detail Information Capture – verification type, verification done by, date/time, remarks and status </li></ul>©2009 Qualtech Consultants All rights reserved. Loan Origination System How will verification work ?
  11. 11. ©2009 Qualtech Consultants All rights reserved. Loan Origination System LAG- Gold Valuation <ul><li>Multiple Repayment Type </li></ul><ul><li>EMI </li></ul><ul><li>One Time Bullet Payment </li></ul><ul><li>Upfront Interest </li></ul>LAP - Property Valuation <ul><li>Flexible Repayment Frequency </li></ul><ul><li>Daily </li></ul><ul><li>Weekly </li></ul><ul><li>Fortnightly </li></ul><ul><li>Monthly </li></ul><ul><li>Quarterly </li></ul><ul><li>Half Yearly </li></ul><ul><li>Yearly </li></ul><ul><li>Interest Type </li></ul><ul><li>Flat Interest Rate </li></ul><ul><li>Effective Interest Rate </li></ul><ul><li>Pre-EMI & Excess Interest </li></ul><ul><li>Configurable to Adjust in First EMI </li></ul><ul><li>Option to take Pre-EMI as Charge and short disburse </li></ul><ul><li>Can take Pre-EMI in PDC </li></ul><ul><li>Installment Mode </li></ul><ul><li>Advance and Arrear </li></ul><ul><li>Option to take ‘N’ EMIs in Advance </li></ul>Repayment Calculation Collateral Valuation
  12. 12. <ul><li>Driven by product programs and regulatory requirements </li></ul><ul><li>Mandatory/Non-mandatory </li></ul><ul><li>Pre/Post Disbursal </li></ul><ul><li>Tracking mechanism along with deferrals, waivers </li></ul>©2009 Qualtech Consultants All rights reserved. Loan Origination System <ul><li>Manual and Auto-Deviations </li></ul><ul><li>Ability to raise and track deviations </li></ul><ul><li>Configure deviation types and deviation codes </li></ul><ul><li>Deviation Role Matrix </li></ul><ul><li>Resolved by only Authorized Users </li></ul><ul><li>Ability to collect IMD </li></ul><ul><li>Short disburse upfront charges like proc fee, credit shield </li></ul><ul><li>Configure charges at scheme level </li></ul><ul><li>Configurable Service Tax </li></ul><ul><li>Configurable for IRR computation </li></ul><ul><li>Asset Booking - Booking of principal, interest and other charge amts in respective GLs </li></ul><ul><li>Verifies all deviation and document completeness </li></ul><ul><li>Verifies charges, documents, verification and dedupe results </li></ul><ul><li>Finalize Interest Rates as per sales guidelines </li></ul><ul><li>Approves amount based on eligibility, DBR, LTV </li></ul>Document Management Deviations Charges Disbursal Credit Decision/Sanction
  13. 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. 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.
  15. 15. <ul><li>Loan Servicing System </li></ul>©2009 Qualtech Consultants All rights reserved.
  16. 16. Loan Servicing System <ul><li>Ability to handle multiple kind of instruments PDC, OTC, Draft, Cash, SI, ECS </li></ul><ul><li>PDC/SI feed from corresponding Loan to reduce data entry and to built effective controls </li></ul><ul><li>Hold Instrument from Banking </li></ul><ul><li>Swap Instrument </li></ul><ul><li>Bank Presentation Process </li></ul><ul><ul><li>Billing </li></ul></ul><ul><ul><li>Retrieval Process </li></ul></ul><ul><ul><li>Presentation Process </li></ul></ul><ul><ul><li>Realization Process </li></ul></ul><ul><ul><li>Multiple Presentations </li></ul></ul><ul><li>Parameterized Batch Creation Process to ease physical presentation process </li></ul><ul><ul><li>Batch Type (New, Representation), Batch Size </li></ul></ul><ul><ul><li>Instrument type for Presentation </li></ul></ul><ul><ul><li>Clearing house, Banks, and City </li></ul></ul>©2009 Qualtech Consultants All rights reserved. Instrument Handling
  17. 17. Loan Servicing System <ul><li>Receipts Module </li></ul><ul><ul><li>Deposits </li></ul></ul><ul><ul><li>Clearance </li></ul></ul><ul><ul><li>Cancellations </li></ul></ul><ul><ul><li>Knockoff </li></ul></ul><ul><ul><li>Waive-offs </li></ul></ul><ul><li>Excess Handling </li></ul><ul><ul><li>Generation </li></ul></ul><ul><ul><li>Refunds </li></ul></ul>©2009 Qualtech Consultants All rights reserved. Receipts Module Excess Handling
  18. 18. Loan Servicing System <ul><li>Manual Allocation </li></ul><ul><li>Auto Allocation </li></ul>©2009 Qualtech Consultants All rights reserved. Payment Allocation Regular Configurable Appropriation Logic dependent on Loan NPA stage and Scheme PDONA Write-off <ul><li>Customer Service Module </li></ul><ul><li>PDE - </li></ul><ul><ul><li>Account information maintenance throughout the loan life cycle. </li></ul></ul><ul><ul><li>Edit Customer Demographic/ Address Information </li></ul></ul><ul><ul><li>Audit trails with Maker-checker process </li></ul></ul><ul><li>Upload - </li></ul><ul><ul><li>Receipt - IMD , OTC </li></ul></ul><ul><ul><li>PDC </li></ul></ul><ul><ul><li>Clearance, and Bounce Status </li></ul></ul>
  19. 19. <ul><li>Closure/Prepayment </li></ul><ul><li>Settlement </li></ul><ul><li>Configurable prepayment criteria and charges </li></ul>Loan Servicing System ©2009 Qualtech Consultants All rights reserved. <ul><li>360/365 day logics </li></ul><ul><li>Daily, Monthly accrual logics </li></ul><ul><li>Recognizes Stop Accrual (for Non-Accrual, Charged-off loans) </li></ul><ul><li>Customizable Charges </li></ul><ul><li>Ability to amortize fee as well as expenses </li></ul><ul><li>Configurable Amortization logics at charge level - written down value or straight line logic </li></ul><ul><li>DPD and DPD string </li></ul><ul><li>Forward and backward moving DPD </li></ul><ul><li>Bucket Calculation depending on DPD </li></ul><ul><li>DPD string stamping at month end </li></ul><ul><li>Configurable Penal Interest Calculation Logics </li></ul><ul><li>Multiple NPA stages – Regular, PDONA, Writeoff </li></ul><ul><li>Configurable NPA stages at Product and DPD </li></ul><ul><li>Flexibility to stop and restart accrual at loan level. </li></ul><ul><li>Flexibility to book income, expense, losses at writeoff </li></ul><ul><li>Generic and Flexible financial accounting handling </li></ul><ul><li>Ability to configure accounting treatment at product, loan stage and GL level </li></ul>Early Pay off Accrual Amortization Delinquency and Penal Calculation NPA Financial Accounting Reschedulement <ul><li>Multiple reschedulement options </li></ul><ul><ul><li>Extension </li></ul></ul><ul><ul><li>Interest Holiday </li></ul></ul><ul><ul><li>Repricing </li></ul></ul><ul><ul><li>Top-up </li></ul></ul><ul><ul><li>Part Payment </li></ul></ul><ul><li>Flexible Charges Handling </li></ul><ul><li>Manual and Auto FRR </li></ul>
  20. 20. <ul><li>System Architecture </li></ul>©2009 Qualtech Consultants All rights reserved.
  21. 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. 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. 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. 24. Looking forward to being your IT Partner ©2009 Qualtech Consultants All rights reserved. Thank You

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