SME Loan Origination

The SME Loan Origination journey is a process where a business user applies for loan products such as Business loans, Business Credit Cards and Overdrafts. The lending journey generally involves various stages from creating a loan application to submitting the application, and then up to disbursal of funds (where the status of the application is moved to completed). Thus, the lending journey of a business user can be categorized as follows:

• Origination: The Origination part of the Lending journey includes creation of a loan application by a business user till submission.
• Temenos DigitalAssist: Temenos Digital Assist App of the Lending journey involves bank users who process the submitted loan application.
• CSR journey in Spotlight: A Customer Service Representative (CSR) can process the application on behalf of the customer through the Customer Service Representative Temenos Digital Assist feature. To know more about the CSR journey in Spotlight click here.

SME Loan Origination

SME Loan Origination supports the following work flows as shown below, which provides a high-level understanding of the user journey.

• Prospect Customer with Related Party(Existing Customer): This scenario applies to a prospect customer with related party who wants to apply for a loan product. The following flow diagram illustrates the Origination app flow in this scenario.
  
  

  

• Existing Customer with Related Party(Prospect): This scenario applies to an existing customer with related party who wants to apply for a loan product. The following flow diagram illustrates the Origination app flow in this scenario.

  

Resume Application

This scenario is applicable when a user quits the application and can resume an application to complete till submission. The following flow diagram illustrates the Resume Application flow in the Temenos DigitalOrigination app.

Quick Reference Links for other journeys

Journey	Product	Road Map in the Origination App for Prospect Customer & Existing Customer
SME Loan Origination	Credit Cards	Basic Information > Company Information > Product Selection > Card Holder Information > Documents > Summary > Additional Questions > Submit Application
	Business Overdraft	Basic Information > Company Information > Product Selection > Related Parties > Documents > Summary > Additional Questions > Submit Application
	Business Loan	Basic Information > Company Information > Product Selection > Related Parties > Documents > Summary > Additional Questions > Submit Application