The document describes the key features of a loan lifecycle management system. It includes features for loan origination, servicing, and a configurable workflow engine. The system allows for processing new loan applications, managing loans throughout their lifecycle, and configurable underwriting, deviations, charges, and financial accounting. It has a web-based architecture using J2EE and can integrate with external databases.

1. Loan Lifecycle Manager Product Feature Presentation ©2009 Qualtech Consultants All rights reserved.

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. 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. Loan Origination System ©2009 Qualtech Consultants All rights reserved.

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. Loan Origination System Quick Data Entry and Detail Data Capture Individual and Corporate Data Capture Group based lending data capture Sourcing and Fulfillment Channels Sales Manager and Branch Manager Customer Information Demographic - Personal, Dependents Address – Residence, Office, Permanent, SOS Bank Details Other Loan details Credit Card Details Income & Employment Details Capture multiple addresses Captures multiple entities - Guarantor/Co-applicants/References ©2009 Qualtech Consultants All rights reserved. Case Booking / Data Capturing Information Capturing

7. Loan Origination System Workflow Configurable Process Workflow at product level Allows to go back to old stage of workflow Queue/List Management Access Mode Menu/workflow stage/data based access to a role View, Edit or No Access mode Advance Search Feature Multiple Due Date Concept Cycle Date Concept Notepad to share and capture information at any stage Configurable Service Tax computation at Charge Level ©2009 Qualtech Consultants All rights reserved. Other Features? Country Region Location Branch N-Level Geographical Hierarchy Portfolio Product Scheme N-Level Product Hierarchy Pre-EMI and Excess Interest Handling Pre-Disbursal System Review for Data correctness and completeness Verifies all verification, deviation and document completeness Part Disbursal Multi-Party Disbursal Generic and Flexible financial accounting handling

8. Loan Origination System Location Level Configuration for Sales Manager Valuation Officer Branch Manager Sourcing and Fulfillment Channels Users ©2009 Qualtech Consultants All rights reserved. How configurable it is ? Product Level Configuration for Work Flow Valuation Screen (Gold / Property etc) Scheme Level Configuration for Case Details Max/Min Loan Amount Tenure Interest Type (Effective /Flat) Max/Min Interest Offset Max LTV Max DBR Applicant Type (Guarantor, Reference) Mandatory Charges with Default, Max, Min values Mandatory Document type & Document Name Mandatory Verifications Accounting Templates Read only and Mandatory Fields configuration Multiple Decision levels Role/User Level Configuration for Menu Access Data Access Deviation Authority Underwriting Matrix

9. Loan Origination System Multiple modes of execution Online Batch Multiple/ Range De-duplication Re-initiate Run dedupe on Borrower, Guarantor etc Configurable Rule base Dedupe Engine Exact Match Potential Match Show all linked loans of Matched Customer ID ©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. Scheme level verification initiation Initiate and track various kind of verification TVR (Telephonic Verification) Residence Verification Office Verification Detail Information Capture – verification type, verification done by, date/time, remarks and status ©2009 Qualtech Consultants All rights reserved. Loan Origination System How will verification work ?

11. ©2009 Qualtech Consultants All rights reserved. Loan Origination System LAG- Gold Valuation Multiple Repayment Type EMI One Time Bullet Payment Upfront Interest LAP - Property Valuation Flexible Repayment Frequency Daily Weekly Fortnightly Monthly Quarterly Half Yearly Yearly Interest Type Flat Interest Rate Effective Interest Rate Pre-EMI & Excess Interest Configurable to Adjust in First EMI Option to take Pre-EMI as Charge and short disburse Can take Pre-EMI in PDC Installment Mode Advance and Arrear Option to take ‘N’ EMIs in Advance Repayment Calculation Collateral Valuation

12. Driven by product programs and regulatory requirements Mandatory/Non-mandatory Pre/Post Disbursal Tracking mechanism along with deferrals, waivers ©2009 Qualtech Consultants All rights reserved. Loan Origination System Manual and Auto-Deviations Ability to raise and track deviations Configure deviation types and deviation codes Deviation Role Matrix Resolved by only Authorized Users Ability to collect IMD Short disburse upfront charges like proc fee, credit shield Configure charges at scheme level Configurable Service Tax Configurable for IRR computation Asset Booking - Booking of principal, interest and other charge amts in respective GLs Verifies all deviation and document completeness Verifies charges, documents, verification and dedupe results Finalize Interest Rates as per sales guidelines Approves amount based on eligibility, DBR, LTV Document Management Deviations Charges Disbursal Credit Decision/Sanction

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. 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. Loan Servicing System ©2009 Qualtech Consultants All rights reserved.

16. Loan Servicing System Ability to handle multiple kind of instruments PDC, OTC, Draft, Cash, SI, ECS PDC/SI feed from corresponding Loan to reduce data entry and to built effective controls Hold Instrument from Banking Swap Instrument Bank Presentation Process Billing Retrieval Process Presentation Process Realization Process Multiple Presentations Parameterized Batch Creation Process to ease physical presentation process Batch Type (New, Representation), Batch Size Instrument type for Presentation Clearing house, Banks, and City ©2009 Qualtech Consultants All rights reserved. Instrument Handling

17. Loan Servicing System Receipts Module Deposits Clearance Cancellations Knockoff Waive-offs Excess Handling Generation Refunds ©2009 Qualtech Consultants All rights reserved. Receipts Module Excess Handling

18. Loan Servicing System Manual Allocation Auto Allocation ©2009 Qualtech Consultants All rights reserved. Payment Allocation Regular Configurable Appropriation Logic dependent on Loan NPA stage and Scheme PDONA Write-off Customer Service Module PDE - Account information maintenance throughout the loan life cycle. Edit Customer Demographic/ Address Information Audit trails with Maker-checker process Upload - Receipt - IMD , OTC PDC Clearance, and Bounce Status

19. Closure/Prepayment Settlement Configurable prepayment criteria and charges Loan Servicing System ©2009 Qualtech Consultants All rights reserved. 360/365 day logics Daily, Monthly accrual logics Recognizes Stop Accrual (for Non-Accrual, Charged-off loans) Customizable Charges Ability to amortize fee as well as expenses Configurable Amortization logics at charge level - written down value or straight line logic DPD and DPD string Forward and backward moving DPD Bucket Calculation depending on DPD DPD string stamping at month end Configurable Penal Interest Calculation Logics Multiple NPA stages – Regular, PDONA, Writeoff Configurable NPA stages at Product and DPD Flexibility to stop and restart accrual at loan level. Flexibility to book income, expense, losses at writeoff Generic and Flexible financial accounting handling Ability to configure accounting treatment at product, loan stage and GL level Early Pay off Accrual Amortization Delinquency and Penal Calculation NPA Financial Accounting Reschedulement Multiple reschedulement options Extension Interest Holiday Repricing Top-up Part Payment Flexible Charges Handling Manual and Auto FRR

20. System Architecture ©2009 Qualtech Consultants All rights reserved.

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. 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. 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. Looking forward to being your IT Partner ©2009 Qualtech Consultants All rights reserved. Thank You