Rating Model

This screen is used to create different rating models for ORR and FRR under each business segment.

The Bank define separate Rating Model for ORR/FRR for each OBS, against this rating model, score card name is created (in score card screen), so that when credit application is initiated in the user panel, system calculates the ORR/FRR scores based on few criteria which is created using the factors setup and factor column setup , and for the calculated ORR /FRR score system determines the grade and overall score based on the grade and score range defined in (Regulatory Grade setup screen).

View

After selecting Rating Model from the ORR Model module, User will land on the main screen where the following details will be visible if a model is already added or if a model is added, the below details are displayed in the view screen along add rating model button and search option.

• Model Code
• Model Key
• Model Name
• Status
• Action (Edit, Delete)

Add

To add a new risk rating model, User can click the green “Add Model” button on the right, after which they will be redirected to the main screen where the following fields needs to be filled and clicked on save button. If the user wants to cancel adding a charge, user can click on cancel. User views a pop-up saying “Are you sure you want to cancel. All unsaved data gets discarded” with yes/no option.

Field name	Description	Mandatory/non mandatory	Field type
Model code	Code is auto generated by system. This code is currently a placeholder field, this can be used to link this record to matching record in any other third party or core system.	Mandatory	Auto-populated
Model key	key is auto generated by system. This key is used to link this record to another record in other admin screens.	Mandatory	Auto-populated
Model Name	This is the rating model that is mentioned here. It can either be for ORR or FRR.	Mandatory	Alphanumerical
Description	A brief description about the model name	Mandatory	Alphanumerical
OBS Type	This is to map the rating model to a specific OBS. It applies only to ths selected OBS	Mandatory	Dropdown
Status	Status is to mention if this is active or inactive. If this is marked as inactive, then it will not appear in the respective screens.	Mandatory	Dropdown

Edit

Clicking on the Edit icon (Action Column) as highlighted in the above screenshot will redirect the user to the screen where user can make changes to relevant risk rating model data. After making relevant changes, user can Save the updated record. User cannot edit code and key. User can choose to cancel the changes made by clicking on cancel button. User views a pop-up saying “Are you sure you want to cancel. All unsaved data gets discarded” with yes/no option.

Delete

Clicking on the Delete icon (Action Column) a pop-up displays prompting for confirmation if the user is sure about deleting the record.User can press “Yes” if they wish to delete the activity, and if they don’t want to delete then they can press on “No”.

Prerequisites Configuration

Screens to Configure (as Pre-requisite)	Screen name	Reflection in user panel	Reflection in admin panel
Operational business segment The above screen should be configured first to configure the rating model screen	Rating model	Reflected only in admin panel	This screen acts as prerequisite screen for the below admin screens ORR - Score card