Manage Entity - Entity Overview

Use the functionality to view the complete 360 view of a customer or entity and manage the details. The feature is applicable to all bank users who are assigned the required permissions to manage entities.

On the dashboard, from the list of requests, click any link under Borrower. Alternatively, from the list of tasks or on the facility overview screen, click any borrower/entity name to manage the entity details.

The application displays the entity overview screen with the following details:

Left pane menu

The menu items on the left pane and the corresponding details on the right pane. Click any menu item on the left pane to view the corresponding details on the right pane.

• General
• Documents
• Parties
• Credit
• Monitoring
• Integration

Task sticky footer

The task sticky footer is displayed on the bottom of the screen. Applicable only if navigated to this screen from the tasks list screen.

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General

The application displays the following menu items under the General menu on the left pane. By default, the entity overview details are displayed on the right pane.

• Entity Overview
• Addresses
• Contacts
• Collateral
• Narratives

Entity Overview

The application displays the entity related information. Click to view the information based on the entity type - Individual, Business, or Group.

Contact card: Click the icon to view the relationship manager contact card - email, address, phone, and bank branch.

Addresses

The application displays the addresses of the entity and group with the following details: Address Type (Office denotes that it is a group), Address, City, State, and Postal Code. The address provided during onboarding is stored as Legal in address type. User can add other address types such as office, administration center, branch etc. for business. For individual, the address can be home, office, and other.

The address added by a customer in the Origination (Self Service) application under the company address is mapped as Primary address type.

Do any of the following:

• Click Add Address to add a new address. Not applicable if it is a group address.
• Use the context menu as required.
  • Click Edit to modify the details. Not applicable if it is a group address.
  • Click Delete to remove the record. In the confirmation pop-up that appears, click Yes. The record is removed. Not applicable if it is a group address.
• Click the row to view the details.
  
  
  • Click Edit to modify the details. Not applicable if it is a group address
  • Click X to close the form.

Add Address

Not applicable if it is a group address.

1. Fill the details.
2. Click Add Address. The application displays a confirmation message that the address is added successfully.
3. The address is added to the list.

Edit Address

Not applicable if it is a group address.

1. Make the changes as required.
2. The following details can be edited: Country, Address Line, City, State, and Zip/Postal Code.
3. Click Update Address to save the details.
4. The application displays a confirmation message that the address is updated successfully. 

   Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

Contacts

The application displays the list of contacts with the following details: Contact Type, Direct Phone number, Mobile Phone number, Email Address, and if the contact is a beneficial owner (if ownership is >=25%). Beneficial Owner section is applicable only for business contacts and not applicable to individual and group contacts. The contact that is added as part of onboarding process is shown as a primary contact by default. The contact added by a customer in the Origination (Self Service) application under the company address is shown as Primary contact.

Do any of the following:

• Click Add Contact to add a new contact.
• Use the context menu as required.
  • Click Edit to modify the contact (individual, business, or group) details.
  • Click Delete to remove the record. In the confirmation pop-up that appears, click Yes. The record is removed. The primary contact record created during onboarding cannot be deleted. The Delete option is not visible.
• Click the row to view the contact details.
  
  
  • For Group and individual contacts, Beneficial Owner section is not applicable and the same will not be available in the summary also.
  • Click Edit to modify the details or click X to close the form.
  • Click the document name to view and download the document.

Add Contact

Use the feature to add individual, business, or group contacts. The fields in the form differs depending on the contact.

1. Fill all the required details. Until otherwise stated, all fields are mandatory.
2. Select the Contact Type from the list. The list items are fetched from the Address type field from Party MS for individual contact.
3. Select the Job Title from the list. This field is not applicable for Individual contact.
4. Enter the First Name and Last Name. These fields are not applicable for Individual contact.
5. Enter the Middle Name. This field is optional. This field is not applicable for Individual contact.
6. Select the Preferred Contact mode. The options are Direct Phone and Mobile Phone. By default, Direct Home option is selected. This field is not applicable for Individual contact.
7. Select the area code and enter the Direct Phone number. If the preferred contact is mobile phone home, then this field is optional.
8. Select the area code and enter the Mobile Phone number. If the preferred contact is direct phone home, then this field is optional.
9. Enter the Email Address.

   At least one of the following optional fields field must be filled to save the contact details - Direct Phone, Mobile Phone, or Email Address.

10. Select the Business Address from the list - Legal or Branch. This field is not applicable for Individual contact.
    
    • In the Business Address list, the address of the group members is displayed. The user can select only from them. The address added here is displayed in the Address Summary with the type defaulted as "Office".
    • In case of a Group, while adding a contact, the entire section of Beneficial owner (starting from Beneficial Owner field until the document upload section) is not applicable.
11. Select if PEP and CP are to be enabled. By default, these are not enabled. This field is not applicable for Individual and group contacts.
12. Enter the Ownership percentage. If the ownership is more than or equal to 25 percentage, the contact is treated as a beneficial owner and KYC information must be filled and supported documentation must be added under Beneficial Owner Information. This field is not applicable for Individual and group contacts.
    1. Upload a KYC supporting document.
    2. Enter the Document Name.
    3. Select the Document Type from the list.
    4. Select the Status from the list.
    5. Enter the Issuer name.
    6. Enter the Expiration Date in mm/dd/yyyy format.
    7. Select if it is a Visual document.
13. Click Home Address and provide the address details. It is optional. This field is not applicable for Individual contact.
14. Click Add Contact. The application displays a confirmation message that the contact is added successfully.

Edit Contact

1. Make the changes as required. The fields in the form differs depending on the contact - individual, business, and group.
2. The Contact Type filed is read-only and cannot be edited.
3. The Beneficial owner section is not applicable for individual and group contacts.
4. Click Update Contact to save the details.
5. The application displays a confirmation message that the contact is updated successfully. 

Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

Collateral

The application displays the list of collateral owned by the entity with the following details: Collateral ID,Collateral Name, Estimated Value, Applies To and Loan To Value (LTV). This feature is not applicable for SME lending requests and not visible to the bank user roles managing these requests.

Do any of the following:

• Click the row to view the details.

  

  Additional details based on the selected collateral type and collateral sub-type.

  Collateral Type	Collateral Sub-Type	Tabs
  		Overview	Details	Due Diligence	Comments
  Real Estate	Agriculture Residential Commercial Industrial Mixed Use Special	Advance Rate Adjusted Value = Appraisal Value X Advance Rate (auto calculated) Is Insurance Required? (Yes/No) Status Linked Facilities	Description Usage Usage Restriction Usage Details Additional Details Property Type Office space Industrial Multi-Family Retail Property Status Size (Sqft) Built up Area (Sqft) Under Lease Year of Construction Plot Number Section Plan Land Registry Number Land Registration Date Land Registry District Mortgage Registration number Mortgage Registration Date Mortgage Rank Percentage –(Displayed only when checked) Occupancy Owner Occupied Investment Location Address name Country State/Province City Address 1 Address2 Postal Code	Valuation Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured Other Due Diligence Date Type Status Report	Comments
  Deposits	Savings Current Deposit Fixed Deposit Recurring Deposit	Advance Rate Adjusted Value Status (Internal/ External) Linked Facilities	Description Additional Details Account Number Bank Name Current Interest rate Opening date Interest rate as of Maturity date	Valuation Date Value Source Report	Comments
  Equipment	Machinery Office Other Equipment	Advance rate - Numeric Adjusted value Salvage Value Insurance required? Additional owners Status (Internal/ External) Linked Facilities	Description Usage Usage Restriction Usage Details Additional Detail New or Used Make Address name Country State/Province City Address 1 Address Postal Code Model Manufacturer Year of Manufacture Useful Life Location Address name Country State/Province City Address 1 Address Postal Code	Valuation Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured	Comments
  Instruments	notes Letter of Credit Letter of Guarantee Assignment of Lease Other Instrument	Advance Rate Adjusted Value Status (Internal/ External) Linked Facilities	Description Additional Details Issuer name Document number Date of Issue Place of Issue Expiry date	Valuation Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured	Comments
  Inventory	Raw Materials Finished Goods MRO	Advance Rate Adjusted Value Status (Internal/ External) Linked Facilities	Description Additional Details Stock Type Stock Quantity Debtor Outstanding Creditor Outstanding Location Address name Country State/Province City Address 1 Address Postal Code	Valuations Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured	Comments
  Securities	Stocks Bonds Mutual Funds	Advance Rate Adjusted Value Status (Internal/ External) Linked Facilities	Description Additional Details: Security Name Security ID Date of Issue ISIN/CUSIP Quantity Industry Country	Valuations Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured	Comments
  Vehicles	Automobile Truck Trailer Boat Aircraft Other Vehicle	Advance rate Adjusted value Salvage value Insurance required? Additional owners Linked Facilities	Description Usage Usage Restriction Usage Details Additional Details New or Used Year Manufacturer Make Useful Life Model Vehicle ID number Registration number - Appears only if the vehicle is used Registration Expiry - Appears only if the vehicle is used Location Address name Country State/Province City Address 1 Address Postal Code	Valuations Date Value Source Report Insurance (If Insurance required is yes) Insurance company Required coverage Actual Cash Value Extended replacement cost Full Replacement value Agent name Policy Number Coverage Amount Agent Phone Policy Type Deductible Amount Agent Email Expiration date Additional Insured	Comments
  Insurance	Life Insurance	Advance rate Adjusted value Beneficiary Status Linked Facilities	Description Additional Insured Customer Policy Number Contract Start date Contract Expiry date	Valuations Date Value Source Report	Comments

• Click Edit to modify the details or click X to close the form.
  • All the fields of valuation can be edited. Delete a valuation record.
  • Add or edit is not applicable for an existing collateral received from Transact/core banking system.
  • Facilities linked to the entity are not editable. Delete the existing valuations if multiple valuations are present for a collateral, however at least one valuation should exist. You cannot delete all the valuation records.
  • The user cannot edit collateral to the modification facilities from the Entity Overview, If the user selects edit collateral, any modification facilities tagged to it appear greyed out. The Applies to is editable only for new Facilities.
  • The accordion view displays the details of all the facilities added to the collateral in the Entity Overview screen. The Applies to column has sub rows, the Title row has details of all the other columns.
  • 
  • Add new collateral : The added collateral displays in the Entity Overview section, but if the facility is linked or not depends on the approval/denial of the modification.
  • Example: For an Entity E, a request is raised for two facilities F1, F2 and for both the facilities a collateral C1 is tagged. Now as part of modification, when a modification request is raised to add collateral C2 for the Facility F1.
  • 
  • Before Deploy Changes:
    • In the Entity Overview, until the deploy changes take place it displays C1 and two records of MF1 and F2 tagged to C1.
    • It displays C2 record with no tag, the CR column displays and the status remains inactive.
  • 
  • After Deploy Changes:
• If the collateral modification change is approved and deployed, It displays C1 and the two records of MF1 and F2 tagged to it.
• It also displays C2 record with MF1 tagged to it, which is in active status.
• If the modification change for collateral is declined, it displays C1 and the two records MF1 and F2 tagged to it.
• It also displays C2 record with nothing tagged to it, which is in in-active status.
• Release a collateral:The added collateral displays in the Entity Overview section, but if the facility is linked or not depends on the approval/denial of the modification.
• Example: For an Entity E, a request is raised for two facilities F1,F2 and for both the facilities a collateral C1 is tagged. Now as part of modification, when a modification request is raised to release collateral C1 for the Facility F1.
• Before Deploy Changes:
  • In the Entity Overview, until the deploy changes take place it displays C1 and two records of MF1 and F2 tagged to C1.
  • The CR column displays MF1 as released.

• After Deploy Changes:
  • If the collateral release is approved and deployed, It displays C1 and only one record F2 tagged to C1.
  • If the collateral release is declined, it displays both records C1 and MF1 tagged to it.

• Release a collateral and Add new collateral with Updated value:
  • Example: For an Entity E, a request is raised for two facilities F1,F2 and for both the facilities a collateral C1 is tagged. Now as part of modification, when a modification request is raised to release collateral C1 and add the collateral C2.
  • Before Deploy Changes:In the entity overview, till the deploy changes happen. It should show C1 tagged to MF1(released) and F2 and C2 tagged to nothing.(should show added).
  • In the Entity Overview, until the deploy changes take place it displays C1 and two records of MF1 (released) and F2 ,C2 tagged to nothing.(should show added).
• After Deploy Changes:
  • If the both the collateral modifications(release and approve) are approved and deployed, It displays C1 tagged only to F2 and C2 tagged to MF1.
  • If the release collateral modification is declined and add collateral is approved, the entity overview displays C1,C2 and F2 tagged to MF1.
  • If the add collateral modification is declined and release collateral is approved, the entity overview displays C1 tagged to MF1 and F2 ,C2 tagged to nothing.

Click Add Collateral to add a collateral to the entity. User cannot add collaterals to the modification facilities from Entity Overview, only the new facilities display.

Mortgage-Add new collateral : In the collateral section of the Entity Overview screen, when the user adds new collateral, the Applies To section tags the collateral to the pending facilities related to the entity.

• When the user adds collateral details, the facilities is selected from the applies to section.
• The applies to section displays all the pending facilities(including pending modification in case of corporate journey) related to the Entity.
• The Facilities in Complete ,Follow up, Withdrawn stages do not display for tag.
• The applies to section in the collateral displays the following details:
  • Facility ID
  • Facility Name
  • Facility Type
• Once the collateral is linked to a facility, it displays in the respective Request and Facility Overview.
• The applies to section is not mandatory, the user can chose to add collateral without selecting any facility in the applies to section.

Mortgage - Edit Collateral: In the collateral section of the Entity Overview screen, the user can edit both the collateral details and the Applies To section.

• The applies to section displays all the pending facilities(including pending modification in case of corporate journey) related to the Entity.

• When there is change in the Applies To section, the same reflects in the Request and Facility Overview.

Mortgage - Delete Collateral: User can delete the collateral from the Entity Overview.

• The user can delete collateral using the contextual menu.
• The User cannot delete the collateral received from the Core banking System in Temenos Digital.
• When a user tries to Delete the collateral received from the Core banking System, a message prompts stating “The selected collateral is a collateral created in Core banking, please delete the collateral in core banking system”.
• When the user tries to Delete the collateral created in Temenos Digital that is linked to facilities, a message prompts stating “The selected collateral has facilities linked to it, please delink the facilities to delete the collateral”.
• When the user tries to Delete the collateral created in Temenos Digital that is not linked to facilities, a message prompts asking if they really want to delete the collateral, when clicked “Yes” the collateral gets deleted from the entity overview, when clicked “No” the operation gets aborted.

Mortgage - View Collateral: In the collateral section of the Entity Overview screen, the user can view both the collateral details and the Applies To section.

• The applies to section in the collateral displays the following details:
• Facility ID
• Facility Name
• Facility Type

   

Creating Prospect record in Transact when the prospect is Verified in Temenos Digital.

After the prospect submits the application, Bank user verifies the prospect data in the Assist App. After a record is created in the Party MS for the verified prospect, prospect data is created in Transact. Client can opt to create a customer or prospect based on the requirement and it must be configurable.

Configuration Create Prospect:

PartyMS, Temenos Digital Assist and Customer must be updated as Verified Prospect

PartyMS, Temenos Digital Assist and Customer must be updated as Active.

Configuration Create Customer:

PartyMS, Temenos Digital Assist and Customer must be updated as Active.

Converting a prospect to customer

After the prospect submits the application in the Assist App, Bank user verifies the prospect data in the Assist App. After a record is created in the Party MS for the verified prospect, prospect data is created in Transact. After the application is approved, prospect is converted to a customer.

Updating PartyMS and Assist with applicant status

After the prospect submits the application in the Assist App, Bank user verifies the prospect data in the Assist App. The configuration to create a customer after verification of PII data the status of application must be active and the same status must be updated in the Assist App.

After the prospect submits the application in the Assist App, Bank user verifies the prospect data in the Assist App. The configuration to create a prospect after verification of PII data the status of application must be verified prospect and the same status must be updated in the Assist App.

Narratives

The application displays the list of narrative or comments entered with the following details: Category, Narratives, User name, Applies To, and Date of narration. The icon denotes that the narrative has document attachments. Click the icon to view the narrative details. The Narrative line item applied to an entity record is displayed in the summary and not in facility or request overview.

Do any of the following:

• Click Add Narrative to add a narrative.
• Use the context menu as required:
  • Click Edit to modify the details.
  • Click Delete to remove the record. In the confirmation pop-up that appears, click Yes. The record is removed. On deleting the narrative, the attached documents are also deleted.
• View details: Click any row to view the narrative details.
  
  • Click Edit to modify the details or click X to close the form.
  • Click the Document Name to view and download the document.
    

Add Narrative

1. Click Add Narrative to add a narrative.
2. The application displays the signed-in user's user name and date of narration.
3. Select the Category from the list (for example, Summary, Financial, Guarantor).
4. Enter Narrative description. When a lengthy comment or description is entered which does not fit the field, then the content moves to the next line of the field. The field accepts up to 1000 characters.
5. Click Upload Document to upload files to a narrative. A confirmation pop-up appears with maximum size and file name conditions. Click Okay to browse and upload the file. The uploaded document appears. This field is optional.
   • Click the bin icon displayed beside each uploaded file to delete the file before adding a narrative.
   • The document name can be alphanumeric and cannot contain spaces, and the maximum file size can be up to 25 MB.
   • The following document types can be uploaded: jpeg, pdf, jpg, png, txt, doc.
6. Click Add Narrative. The application displays a confirmation message that the narrative is added successfully. The narrative is added to the list. The narrative is displayed only on entity overview.

Edit Narrative

1. Make the changes as required.
2. A user who added the narrative can modify the following details. Other user can only view the details.
   • Narrative text and Applies to in case of entity related narrative.
   • Narrative text in case of facility related narrative.
3. Click Download to download the existing files. If there are no existing files, click Upload to upload new files. On clicking Update, the uploaded files are successfully saved and updated in the summary screen. Upload the documents at once before updating the narrative.
4. Click Update Narrative to save the details.
5. The application displays a confirmation message that the narrative is updated successfully. The records that are updated at Facility Overview reflects at Request Overview and Entity Overview. Similarly, the records updated at Request Overview or Entity Overview reflects at Facility Overview.

   Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

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Documents

The application displays the list of documents associated with a request, entity, facility, or a collateral. All documents uploaded in front-end Origination as part of the overdraft or loan lending application and those uploaded as part of the corporate lending request are visible in the documents list. The Documents can be added to both new and modification facility in the Request Overview Documents section. The documents can be of evidence and financial proof of identity and address, balance sheet, cash flow statement among others. The Documents displayed are collected from the Evidence Management and as per the DMN rules displayed in the Entity Overview/Request Overview. Document Microservice stores the document reference and the actual file stores in downstream DMS, which by default is Formpipe Product.

This section consists of two sub-sections:

• Uploaded Documents - Documents uploaded by Customer/bank user.
• System Generated Documents - The documents generated by system.

Uploaded Documents: This section displays the documents uploaded by the customer from the Origination app and by the Bank user. They are displayed by Document category group and this category has an accordion view, which on expanding displays the actual document along with the document type.

This section consists of the following fields:

• Document Category - Displays the document category - Proof Of Address, Proof of Incomes etc.

• Document Type - Displays the Document type that is uploaded - Passport, Driving license etc.

• Document Name - The File name of the submitted documents.

• Linked To - This is a new field where the bank user will find which facility the particular document is linked to. If the same document is “Linked To” more than 1 facility, all the facilities are listed by comma separation and if more documents are linked, it displays the number of facilities and by clicking on it we see the list of facilities. Based on the “Linked To” field, the documents are displayed in the respective Facility overview.

• Status - Displays the status of the document in different color depending on the status - Approved, Pending, Signed, Delivered, Reviewed or Rejected. All documents uploaded in the Origination app will be in Pending status.

Upload : To upload a new document.

System Generated Documents :This section displays the documents generated by the system in Temenos Digital Assist. They are displayed by Document category group and this category has an accordion view, which on expanding displays the actual document along with the document type.

This section consists of the following fields:

• Document Type - Documents submitted before submission in the Origination app have the type as stored in Document MS. (They contain the information about type of document which has been uploaded during the origination).

• Document Name - The documents submitted before submission in the Origination app have the name File Information as given by the customer. If there is no File Information added, then the document name is added as file name.
• Document Category - Displays the document category.
• Linked To - This is a new field where the bank user will find which facility the particular document is linked to. If the same document is “Linked To” more than 1 facility, all the facilities are listed by comma separation and if more documents are linked, it displays the number of facilities and by clicking on it we see the list of facilities. Based on the “Linked To” field, the documents are displayed in the respective Facility overview.
• Status - Displays the status of the document in different color depending on the status - Approved, Pending, Signed, Delivered, Reviewed or Rejected. All documents uploaded in the Origination app will be in Pending status.

 

Perform any of the following:

• Download Document: Click the Document Name to view and download the document if required. To download, click Download on the screen the appears.
• View Details: Click the row to view the document details. Click the ID to view the overview details. The document can be mapped to a request, entity, facility, or a collateral.
  • If the document category is applied to a collateral record, then the document is displayed in the document summary under the respective facilities where the collateral is used.
  • If the document category is applied to entity record, then the document is displayed in the document summary under respective entity overview only and will not be available under request overview and facility overview.
    
    
• Click Upload to upload a new document.
• You will be able to view all the modification facilities listed along with the new facilities in facilities section with the following Facility ID, Facility type, Amount, term, Decision Status
• If both the Purpose options are selected initially, both New and Modification facilities are listed on this screen. Otherwise, only one of the Facility displays based on the selected purpose.
• Use the context menu as required. The context menu is displayed only for the documents with Pending status:
  • Click Edit to modify the details. The document with Pending/Signed status only can be edited.
  • Click Delete to remove the record. The document with Pending status only can be deleted. In the confirmation pop-up that appears, click Yes. The record is removed.

Upload Document

1. On the Documents list screen, click Upload.
2. A confirmation pop-up appears that the maximum file size can be up to 25 MB and the file name can be alphanumeric without any spaces. Click Yes.
3. A window to upload the document is displayed.
4. Select the file to upload. The file name can contain alphanumeric characters and cannot contain spaces. The document types can be PDF, TXT, JPG, PNG, and JPEG. The maximum size allowed per document is 25 MB. The application displays a error message if incorrect document type is selected. In this case, click Add New Document to continue with the document upload.
   
   
5. The Add Document screen is displayed. All fields are mandatory.
6. Enter the Document Name.
7. Select the Document Type (for example, FinancialStatements, Amendments). Below is the sample modification agreement document that needs to be uploaded once the applicant accepts the changes for the Request.
   
8. Select the Category from the list. The document is attached to the selected category level.
   
9. The application displays the list depending on the selected document category. Select the category to apply to the document. The selection can be one, many, or all.
   • If category is request, then the Request ID is displayed by default.
   • If category is facility, this field lists all the facilities under the request. Defaults if this list has one value.
   • If category is entity, this field lists all the entities related to the request. Defaults if this list has one value.
   • If category is collateral, this lists all the collateral related to the request. Defaults if this list has one value.
10. Select the Status from the list - Approved, Pending, Signed, Delivered, and Reviewed.
11. The Applies to field is by default the Entity Name for Entity Type of Documents and Collateral for Collateral type of Documents. The mapping between Document Type and Applies To is done in DMN.
12. The Linked To field , all the active facility of the Entity is listed. User can select multiple facilities. This is an optional field when uploaded from Entity Overview. The Documents uploaded through “Origination App”, this field is by default the Facility.
13. If an entity related document is uploaded from the Origination page, it displays in Entity Overview, Request Overview, Facility Overview for the linked facility.
14. If a facility related document is uploaded from the Origination page, it displays in Request Overview, Facility Overview of linked facility.
15. If a collateral related document is uploaded , it displays Entity Overview of the Collateral owner, Request Overview, Facility Overview of the linked facilities.
16. Click Upload Document. The application displays a confirmation message that the document is uploaded successfully. The document is added to the documents list. If the document category is applied to entity record, then the document is displayed in the document summary under respective entity overview only.
    
17. An Adhoc document can be uploaded from any Overview(Entity, Request, Facility).

Edit Document

The document with Pending and Signed status only can be edited, however we do not have documents with Signed status in Entity Overview.

1. Only the document Status, Linked To can be edited.
2. Select the Status from the list - Approved, Pending, Signed, Delivered, or Reviewed.
3. The status : Pending and Signed are editable.
4. The user can add/remove the interaction by editing the Link To.
5. The option Reusable is a checkbox field (optional). It must be checked for Proof of ID (for Retail) / Proof of Business (for SME) & Proof of Address (for Retail and SME) documents uploaded through the Origination and Assist apps. For all other categories of documents, this checkbox remains unchecked.
6. The RM / RM Supervisor can choose to check/uncheck Reusable at any point in time. The Evidence MS checks the Expiry Date with the Application Date and the Reusable fields to check if the document is still valid for use when the Origination app queries it at the time of Document Upload. If the Reusable field is unchecked, the Evidence MS does not return the document (even if the expiry date is in the future) when the Origination App queries it at the time of Document Upload during the customer journey.
7. Click Update Document to save the details.
8. The application displays a confirmation message that the document details are updated successfully. 
9. If the Link To is Edited and if the Facility is removed then that document will not be visible in Facility Overview and Request Overview, however it will be visible in the Entity Overview.
10. The Edit option for the logged in user depends on the permissions of the role.

    Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

 

View Document

The documents uploaded by the Customer / bank user or generated by the system, bank user in the Document Section can be viewed by clicking the View Document option. The uploaded Adhoc Documents can also be viewed in this section.

The Document Category with an accordion view displays : Document Type, Document Name, Applies to, Status.

When clicked on the documents in the row the following fields display:

• Document Category
• Document Type
• Actual Document
• Document Name
• Applies To
• Linked To

The view option for the logged in user depends on the permissions of the role. A Bank user will be able to View documents uploaded through Customer Action in the “Uploaded Document” section in Entity Overview, Request Overview and Facility Overview based on the Document Category and Type.

Expiry Date enables to track the validity period for each document uploaded through the Origination app or Assist app. By default, the date field value is set to 3 months from the Application Date. When bank user edits this field, a validation is done to check if the date entered is greater than the system date. For documents uploaded through Origination App, this field will be blank. When the bank user changes the status of the document to Approved state, then Expiry Date field is a mandatory field. When the bank user uploads any document through the Assist app, then Expiry Date field is a mandatory field.

 

Delete Documents

The Bank user will be able to delete the uploaded /system generated documents. The Delete option is enabled only for the documents with status pending. Once the document is deleted based on the Link To, all the documents are delinked and deleted. The Delete option for the logged in user depends on the permissions of the role.

 

Parties

The connected parties section in the Entity Overview displays the added party once the deploy changes task gets executed.

If an Entity(E) has 2 requests for Facilities F1, F2 and the Parties P1 ,P2 are added to each request, the Parties P1 and P2 display in the connected parties section.

Add new party to Facility: When a modification is requested for F1 and if an additional party P3 is added, then the party P3 displays in the connected parties section after the added party is approved(post deploy changes task).

Release a party from a Facility: When a modification is requested for F1 and party P1 is released, the party still displays in the connected parties section. since there is no request tagged to it, this can be deleted from the entity overview.

Connected Entities

The application displays the list of related companies/parties added during loan application with the following details:

• Party Name: Click to view the entity details.
• Rating: The rating is fetched from the respective entity overview section.
• Contact person: Click to view the contact details.
• Phone Number: Primary contact phone number.

Do any of the following:

• Click the row to view the party details.
  
  
• Click the Party Name link to view the entity details.
• Contact person. Click to view the contact details.
• Click Add Party to add a related party to the entity.
  
  • Select the required party. Use the search option to look for a specific party. Alternatively, click Add New Party to add a new business or an individual party.
  • Click Add. The party is added to the connected entities list.
    
• On the context menu, click Delete to unlink the party. On the confirmation pop-up that appears, click Yes. The party is unlinked.
  • User cannot delete or unlink a related party that is already used by a Request or Facility and an alert is displayed. For example, If ABC Entity is related to XYZ Entity and with this relation there is an active request, then the user cannot unlink.
    

To Add a Party in Business Entity EO

Bank user must be able to add the entities that are shown in the parties tab as and when required for appraisal.

For Corporate Origination : To add an entity, user clicks Add Party button and the user will be redirected to screen where the user can select Existing Entity and/or New Entity.

If the user selects Existing entity, then the user will be directed to a screen with all the current fields that are pre-filled and has a new section called Link Information with values as Parent Company, Relationship, Ownership, Beneficial Owner, Politically Exposed Person

If user selects New entity, then user will be directed to a screen where the user must fill in existing fields along with above mentioned link information section.

User has to fill in the following details in Link Information section:

For Business:

• Parent Company: This field is not editable and the entity name under purview

• Relationship (Mandatory): Sister Concern, Subsidiary (List Field with these values)
• Ownership (Optional): Percentage Field
• Beneficial Ownership: Select Yes or No will be filled based on input provided in the Ownership.
  • Ownership>= 25% Yes
  • Ownership <= 25% No
  • If not filled, No selection

  For Individuals:

  • Parent Company: This field is not editable and the field filled the entity name under purview.
  • Relationship (Mandatory): Sister Concern, Subsidiary (List Field with these values)
  • Ownership (Optional): Percentage Field
  • Beneficial Ownership: Yes or No will be filled based on input provided in the Ownership
    • Ownership>= 25% Yes
    • Ownership <= 25% No
    • If not filled, then No selection

  • Politically Exposed Person: Yes or No selection

  To Edit Party in Business Entity EO:

Bank user must be able to update the entities that are shown in the parties tab as and when required for appraisal.

Edit Entity Functionality is applicable for both SME & Corporate Origination

To edit the Party, click Edit button, in addition to the current field, a new section displays called Link Information with values as Parent Company, Relationship, Ownership, Beneficial Owner, Politically Exposed Person.

For Business:

• Relationship (Mandatory): Sister Concern, Subsidiary (List Field with these values)

• Ownership (Optional): Percentage Field
• Beneficial Ownership: Yes or No will be filled based on the input provided in the Ownership
  • Ownership>= 25% Yes
  • Ownership <= 25% No
  • If not filled, No selection

For Individuals:

• Relationship (Mandatory): Sister Concern, Subsidiary (List Field with these values)

• Ownership (Optional): Percentage Field

• Beneficial Ownership: Yes or No will be filled based on input provided in the Ownership
  • Ownership>= 25% Yes
  • Ownership <= 25% No
  • If not filled- No selection

• Politically Exposed Person: Yes or No selection

Organizational Structure

This section indicates the organizational structure of the entity along with the relation the entity has with the parent entity.

The related Company displays under Organization Structure with the relationship as sister concern or Subsidiary as selected by the user in the Origination app.

The related company added in the Origination App is added as Party to Party relation in Party MS and not as Party to the Application.

Added related companies will have same post submission flow in assist as that of the related company.

Parties Enhancements

Bank User must be able to view the relevant information with regards to Parties associated with the entity.

This section shows the parties that are associated with the entity through any relation

Connected Entities: This tab displays the relationship between entities

For Business Entities: Connected Entities involves the related companies, Related parties, and their relation such as director, Partner, Sister concern etc which are provided by the customer in the Origination Application.

Columns to be shown : Entity, Relationship

User can Edit & Add functions are allowed and. Delete Permission is disabled for all users

For Individuals Entities: Connected entities involves the entities that are in any relation with the individual.

Columns to be shown : Entity

User cannot Edit and Delete information. User can view and Add permissions is allowed.

Organization Structure: This tab displays the Organizational structure of all the business entities only and not Individuals.

For Business: (Existing functionality will follow)

This panel displays the relation between the company and its subsidiaries if any which are provided by the customer in the Origination App.

This section is not applicable for Individuals.

The related parties & companies added in the origination app:

• The Role which they select should be what goes into Party to Application relation in Party MS.

• The Relationship which they select should go in Party to Party relationship in Party MS.

The application displays the organization structure list with the following details:

• Entity Name: All the entities of the organization are displayed. Click to view the entity overview details.
• Relationship: The relation the entity has with the parent such as Parent, Division, Subsidiary, and Affiliate.

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Credit

This section explains the following:

• Credit Request History
• Limits
• Exposure

Credit Request History

The application displays history of requests previously made with the following details: Request ID, facility ID, credit name, amount, credit term, request stage status, and the overall pending and active amount.

Limits

The application displays the current sanction limits for the customer/entity as a whole with the following details: Date, unadvised amount (amount willing to offer to the customer), advised or offered amount, utilized or drawn amount, and the available amount (balance of the advised amount after utilization). .

Exposure

Exposure is the amount a bank stands to lose if the entity fails to repay. The entity exposure helps the underwriter to assess the existing exposure and the amount requested by the entity, this benefits the underwriter to take a decision of accept/reject or negotiate the pricing of the facility requested by the entity. The exposure section displays in both Entity and Request Overview screens.

The Exposure Summary list screen consists of the following:

• Date - MM/DD/YYYY
• Time - HH:MM AM/PM
• Currency - Bank Currency (Maintained in Spotlight)
• Total Potential Exposure - Aggregated Exposure Amount

The latest fetched record for the Entity from the Request Overview,displays in the Entity Overview.

The user can only view the existing details from the Entity Overview,the contextual menu displays only in the Request Overview.

View Exposure

The user can view the exposure record by clicking the exposure record or the view option in the contextual menu from the Request Overview page.

• In the Exposure summary widget , by clicking the record the user accesses details regarding the latest fetched/updated exposure.
• When the user clicks on the record, a model sheet displays with all the details of the exposure record.This includes the exposure detail, exposure summary, pending details, direct details, indirect details, adjustments, external commitments, and comments.
• In the contextual menu of adjustments, external commitments and comments, only the view option displays.
• All the fields display in the read only/uneditable mode.
• Clicking the X button after viewing the model sheet navigates back to the exposure summary widget.

Exposure Detail

This section displays the below fields related to exposure.

• Entity: Name of the Entity/Individual with the icon- Non editable.
• Requested By: User name of the person who generated exposure request- Non editable.
• Exposure date: MM/DD/YYYY - Non Editable.
• Exposure Time: HH:MM AM/PM - Non Editable.
• Exposure Currency: USD (Defaulted to currency maintained in fabric) - Non Editable.

Exposure Summary

The fields in exposure summary of a record are derived through computation using the exposure values received from core banking and Temenos Digital system.It displays the following fields.

• Total Potential Exposure -Sum of---- Total Pending (sum of converted amount) + Total Direct exposure (sum of converted outstanding Balance) + Total Indirect (sum of converted Pending Obligation Amount).
• Total Potential Exposure(with adj) --- Pending (sum of converted amount) + Total Direct (sum of converted outstanding Balance) + Total Indirect (sum of converted pending obligation amount) + Total Adjustments(converted).
• Total Adjustments – Sum of all the Adjustment Amounts(converted).
• Total External Commitments - Sum of all the External Commitments(converted).
• Total Direct – Sum of all the Direct outstanding Amounts(converted).
• Total Indirect – Sum of all the Pending Obligation Amounts(converted).
• Total Pending/In-process – Sum of all the Pending In process Amounts(converted).

Exposure Pending/In-Process Details

This section displays the facilities which are not approved.

• The pending/In-process section in the exposure summary displays the list of facilities where the entity is the borrower, co-borrower, guarantor or corporate guarantor, but the facilities are not created in the core banking system.
• Since the details are not created in the core banking system for the facilities, the information displays from the Temenos Digital system.
• The following fields display in the Pending/In Process Detail.
  • Facility ID (This has a hyperlink to Facility Overview).
  • Facility Type.
  • Indirect (Indirect-Yes, if the entity is a guarantor/corporate guarantor, Indirect-No if the entity is a borrower or co-borrower, if the role of the entity is anything other than borrower, co-borrower, guarantor, corporates guarantor the facility does not display in exposure).
  • Origination Amount - Currency + Amount (If its direct- this is origination amount: This displays the requested amount if the amount is yet to be approved and approved amount in case the facility is approved)if indirect then its the guarantee amount. If the facility is withdrawn/declined, the facility does not display in the section.
  • Converted Amount - Currency + Amount (Converted Origination Amount).
  • Estimated maturity date(the Date when facility is added in Request + Term = Estimated Maturity date)
• User also views the Total Origination Amount and Total Converted Amount in the Pending/In-Process detail section.(This sums up all the facility amounts).
• The fields are read-only and cannot be edited.

Exposure-Direct details

This section displays the facility records where the entity is borrower or co-borrower and in which arrangement it is created in the core banking system.

This section displays the list of facilities where the entity is the borrower/Co-borrower and the facilities get created in the core banking system.

• The information regarding the Arrangement ID is updated from the Core banking system, this is mapped to the facility ID in the OPMS.
• The following fields display in the Pending/In Process Detail.
  • Facility ID (This has a hyperlink to the Facility Overview)- Arrangement ID received from the Transact is mapped to the OPMS and displays the Facility ID.
  • Facility Type - From Facility ID to Facility Type mapping in OPMS, displays the Facility Type.
  • Original Amount - Currency + Amount (displays the entire amount of the co-borrower also)- Received from Transact as Commitment Amount.
  • Converted Amount- Currency + Amount
  • Converted Outstanding Balance- Currency + Amount- Received from Transact as Outstanding Balance.
  • Maturity date.-Received from Transact as Maturity date
  • Total - Sum of all the converted outstanding Balances.
• The fields are read-only and cannot be edited.

Exposure-Indirect details

This section displays the facility records where the entity is a guarantor or corporate guarantor, and the arrangement gets created in the core banking system.

• The Indirect Details section in the exposure summary displays the list of facilities where the entity is the Guarantor/corporate guarantor and the facilities get created in the core banking system.
• The following fields display in the section.
  • Facility ID - Hyperlink - Arrangement ID received from Transact to be mapped to OPMS and show the Facility ID.
  • Guarantee Limit - Percentage or Amount-depending on the guarantee obligation provided by the entity for the facility-Arrangement ID received from Transact to be mapped to OPMS and if the entity is guarantor, then amount or percentage limit will get populated.
  • Original Amount - The total facility amount - Received from Transact as Commitment Amount.
  • Converted Amount - Converted value of the original Amount.
  • Potential Obligation(converted) - This is the lesser amount of the guarantee amount and outstanding balance of the facility - Outstanding Balance is received from transact and is first converted to exposure currency in backend, then the guarantee amount is calculated and converted to exposure currency. These 2 amounts are compared and the the lesser one of the two is to be displayed in the Pending Obligation.
  • Maturity date- Received from Transact as Maturity date.
  • Total- Sum of all the converted Potential Obligation.
• The Original Amount, outstanding balance and maturity date is received from Transact for the facility, if the guarantee limit is a %- guarantee amount is calculated and compared with the outstanding balance - whatever is the smaller amount displays as pending.
• The fields are read-only and cannot be edited.

Exposure Summary - Adjustment record

This section displays all the adjustments related to the Entity.

• Facility ID- Hyperlink
• Facility Type
• Adjustment comments
• Currency+ Adjustment Amount
• Currency + Converted Adjustment Amount

Exposure Summary - Add Adjustments

Clicking the edit option displays the Add Adjustment button using which the user can add adjustments to the exposure record in the Request Overview.

The Add Adjustment page displays the following fields.

• Facility ID - Search Dropdown (displays all the Facility IDs shown in direct, indirect, pending in-process detail).
• Facility Type – This gets auto-populated depending on the selected Facility ID.
• Currency - Adjusted amount currency(dropdown).
• Adjustment Amount – Numeric (User has to select Add/Subtract and then select the currency and the amount for adjustment, if Subtract is selected - will be displayed by default in the view option and it will be displayed in red).
• Converted Amount- Currency + Numeric (This will convert the amount entered in adjustment amount to bank’s preferred currency).
• Adjustment Comments – Text (300 characters).
• Username – Auto-populated.
• Date – Auto-populated (Current date when add adjustment button is clicked).
• Time – Auto-populated (Current time when add adjustment button is clicked).
• Total - Sum of the total converted amount of adjustment.

The negative amount displays in red with a -ve sign in the summary.

Once all the details are entered,clicking the add button,creates the record in the adjustment section. After adding the adjustment, clicking the update button updates the record which also gets updated in the Entity Overview of the respective entity, since it is the latest record.

After adding the adjustment, clicking the update button for the exposure record,updates the record which also gets updated in the Entity Overview of the respective entity, since it is the latest record.

Clicking the X or cancel,aborts the record addition.

Exposure Summary-View Adjustment

In this section the user views the adjustments of the Exposure Record.

• The view adjustment screen displays the following fields.
  • Facility ID
  • Facility Type
  • Adjustment Amount ( Selected currency)
  • Converted Adjustment Amount (Converted to bank’s currency maintained in spotlight)
  • Adjustment Comments
  • Username
  • Date (Current date)
  • Time (Current date)
• The negative amount displays in red with a -ve sign in the summary.
• Clicking the X button navigates back to the previous exposure screen.

Exposure Summary - External Commitments

This section displays all the exposures of the Entity which are not part of the bank.

The following fields display for each external commitment record.

• Facility Number (This is not a hyperlink)
• Lender name
• Currency + Balance Equivalent- Input fields
• Currency + Converted Amount - Display fields
• Maturity Date- Input field- Date

Exposure Summary – View External Commitments

The user can view the external commitments record by clicking the view option in the contextual menu from the Request Overview page.It displays the following and are read-only fields.

• Facility Number
• Lender Name
• Currency
• Balance Equivalent
• Exposure currency
• Converted Amount
• Maturity Date
• Username
• Date
• Time

Exposure Summary - Exposure Comments

This section displays the comments,It consists of the following fields.

• User
• Date
• Time
• Comment

Exposure Summary - Add Exposure Comments

Clicking the edit option displays the Add Comments button using which the user can add comments to the exposure record in the Request Overview.

The Add Comments screen displays the following fields.

• User Name
• Date
• Time
• Comments (300 characters)
• Once all the details are entered,clicking the add button,creates the record in the comments section. After adding the comments, clicking the update button updates the record which also gets updated in the Entity Overview of the respective entity, since it is the latest record.
• Clicking the X or cancel,aborts the record addition.

Exposure Summary – View Exposure Comments

This section displays the view the comments of the exposure record, It consists of the following fields.

The user can view the comments of the exposure record by clicking the view option in the contextual menu.It displays the following and are read-only fields.

• User Name
• Date
• Time
• Comments

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Monitoring

This section covers the items that are being tracked.

• Covenants
• KYC/AML
• Risk Ratings

Covenants

The application displays the list of covenants or the tracking conditions for the entity with the following details: Covenant Type, Covenant Name, Requirement, Facilities associated with the covenant, and Status. All active covenants are required to be tracked. The count icon beside the facility ID denotes that the covenant is mapped to more facilities.

Do any of the following:

• Click the row to view the details.
  

• Click the Facility ID to view the facility overview details.

Know Your Customer (KYC)/Anti Money Laundering (AML)

The application displays the details of the beneficiary owners in the entity and the sanctions if any imposed on the parties in the entity with the following details:

• Beneficial owner: Contact name, ID type, ownership percentage, and PEP and CP if enabled.
• Sanctions: Hit (call from the third-party system), third-party system name, Type of sanction, remediation, and user name.

If the ownership is more than or equal to 25 percentage, the contact is treated as a beneficial owner and credit check must be done for which, KYC information has to be filled and supported documentation has to be added.

Do any of the following:

• Click Add Contact to add a contact.
• Under Beneficial Owners, on the context menu, click Edit to modify the contact details.

Risk Ratings

The application displays the risk rating summary of all facilities associated with the entity with the following details: Rating Type and Current Value details. The Adjustment Rating is displayed if available, otherwise New Rating is displayed.

Do any one of the following:

• Click the row to view the details and edit the risk rating details if required.
• Click Add Rating to add a new rating.
• On the context menu click Edit to modify the risk rating details:

Add Risk Rating

1. Select the Rating Type from the list. For example - Internal.
2. The application displays the previous rating with date if the rating type was rated earlier. Otherwise, Previous Rating is displayed as N/A.
3. Select the New Rating from the list.
4. Select the Adjustment Rating from the list. It is an optional field.
5. Enter a valid rating Date in mm/dd/yyyy format. The date must be unique. If a rating had been provided on the same date previously, the application prompts that a record with same date already exists.
6. Enter a valid Next Credit Review Date in mm/dd/yyyy format. It is an optional field. The date must be greater than the rating date entered in the previous field.
7. Enter the Extension Period in Months and Days in the respective boxes. It is an optional field. The value must be in numbers.
8. Enter Comment if required. It is optional. When a lengthy comment or description is entered which does not fit the field, then the content moves to the next line of the field. The field accepts up to 500 characters.
9. Enter View History to view the historical ratings with Rating Type, Date, and Rating details.
10. Click Add Rating. The application displays a confirmation message that the rating is added successfully.
    

    Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

View Risk Rating Details

The Score Card section is currently applicable only for SME.

This section gives the overview of the risk rating details. It has two sections: Risk Rating and Score Card.

Risk Rating displays the below fields:

• Name
• Rating Type
• Previous Rating
• New Rating
• Adjustment Rating
• Date
• Comment
• History - View History (clickable)

Score Card: This section displays the Total Score eligibility for the Entity. The value ranges from 0 TO 100.

It displays the below fields:

• Application Information
• Value
• Score

Do any one of the following:

• Click View History to view the historical ratings.
• Click X to close the form.

Edit Risk Rating

1. Make the changes as required.
2. The following details can be edited: New Rating, Adjustment Rating, Next Credit Review Date, Extension Period in Months and Days, and Comments.
3. Click Edit Rating to save the details.
4. The application displays a confirmation message that the rating is updated successfully.

   Click Cancel to discard the changes. On the confirmation pop-up that appears, click Yes. The changes are not saved.

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Integration

The section explains the integration related details.

• Integration Accounts
• Service History
• Exposure History

Integration Accounts

The application displays the list of third-party service providers being integrated for which type of rating or integration - for example, credit bureau. For a corporate customer, it can be credit bureau and for a personal customer, it can be consumer bureau. Spreading is margin calculation, business bureau is for getting a credit report, and so on. The following information is displayed: Service provider, Account Type and the service Account Number. This feature is not applicable for Retail lending and SME lending requests and not visible to the bank user roles managing these requests.

External Services

The application displays the service history of the service providers added previously. This is associated with a task and when the report is generated, the task is completed. The application displays the following details: Service Provider name, Entity Name, Account Type, Date report received, Status, and provision to download the report.

Click any row to view the details.

Exposure History

The application displays the list of potential exposure of the entity date-wise with the following details: Date of exposure, Total Potential Exposure amount, and the Facility ID. This feature is not applicable for Retail lending and SME lending requests and not visible to the bank user roles managing these requests.

Click any row to view the details such as exposure summary, pending, direct and indirect details, adjustments, external commitments, and general exposure comments.

View Entity Details

While creating a new request, on the list of existing entities, click the Entity Name to view the entity details.

The application displays the following details with Entity ID depending on the selected entity (business or individual).

• Individual Entity
  • Basic Information: Name, Date of Birth, Identification Number, Country, Address, City, State, and Zip/Postal Code.
  • Contact Information: Email and Contact Number.
• Business Entity
  • Basic Information: Legal Name, Registration ID, Company Type, Industry, Sub-industry, Registration Date, Years in Business, Estimated Annual Revenue, Employee Count, Website Address, Country, Address, City, State, Zip/Postal Code, Phone Number, Email, and Company Overview
  • Primary Contact Information: Name, Job Title, Phone Number, and Email.

Click X to close the form.

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APIs

For the complete list of APIs shipped as part of this feature, see Experience APIs documentation.