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©2009 Qualtech Consultants All rights reserved.
Loan Lifecycle ManagerLoan Lifecycle Manager
Product Feature PresentationProduct Feature Presentation
©2009 Qualtech Consultants All rights reserved.
Salient FeaturesSalient Features
Features of
LLMWeb 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
©2009 Qualtech Consultants All rights reserved.
LLM – Loan Lifecycle ManagerLLM – Loan Lifecycle Manager
LLMLLM
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.
©2009 Qualtech Consultants All rights reserved.
Loan Origination System
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System
How secure is the Application?
User ID & Password based Authentication
Menu and Data based Access to users
HTTPS Compatible
Configurable Maker Checker option
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System
Case Booking / Data Capturing
• 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
Information Capturing
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System
Other Features?
Country
Region
Location
Branch
N-Level Geographical Hierarchy
Portfolio
Product
Scheme
N-Level Product Hierarchy
• 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
• 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
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System
How configurable it is?
• Location Level Configuration for– Sales Manager– Valuation Officer– Branch Manager– Sourcing and Fulfillment
Channels– Users
• 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
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System
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
ViewDe-dupe Match
HistoryWhen
required
• 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.
Loan Origination SystemLoan Origination System
How will verification work?
• 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 SystemLoan Origination System
Repayment Calculation
LAG- Gold Valuation
Multiple Repayment Type• EMI• One Time Bullet Payment• Upfront Interest
Collateral Valuation
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
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan Origination System• Driven by product
programs and regulatory requirements
• Mandatory/Non-mandatory
• Pre/Post Disbursal• Tracking mechanism
along with deferrals, waiversDocument Management
Deviations
• Manual and Auto-Deviations
• Ability to raise and track deviations
• Configure deviation types and deviation codes
• Deviation Role Matrix• Resolved by only
Authorized Users
Charges
• 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
Disbursal
• 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
Credit Decision/Sanction
©2009 Qualtech Consultants All rights reserved.
Loan Origination SystemLoan 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:Decision:Configurable Multi Level Configurable Multi Level Decisioning with detail Decisioning with detail
information captureinformation capture
Ability to configure standard notecodes for effective tracking and information sharing
Disbursal:System pre-disbursal check. Asset Booking
©2009 Qualtech Consultants All rights reserved.
Configurable Workflow EngineConfigurable Workflow Engine
Cash Flow
Loan Details
NotepadDeviations 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.
©2009 Qualtech Consultants All rights reserved.
Loan Servicing System
©2009 Qualtech Consultants All rights reserved.
Loan Servicing SystemLoan Servicing System
Instrument Handling
• 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.
Loan Servicing SystemLoan Servicing System• Receipts Module
– Deposits– Clearance– Cancellations– Knockoff– Waive-offs
• Excess Handling– Generation– Refunds
Receipts Module
Excess Handling
©2009 Qualtech Consultants All rights reserved.
Loan Servicing SystemLoan Servicing System
Payment Allocation
• Manual Allocation
• Auto 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
©2009 Qualtech Consultants All rights reserved.
• Closure/Prepayment• Settlement• Configurable
prepayment criteria and charges
• 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
Loan Servicing SystemLoan Servicing System
Early Pay off
Accrual
Amortization
Delinquency and Penal Calculation
NPA
Financial Accountin
g
Reschedulement • Multiple
reschedulement options
– Extension– Interest Holiday– Repricing– Top-up– Part Payment
• Flexible Charges Handling
• Manual and Auto FRR
©2009 Qualtech Consultants All rights reserved.
System Architecture
©2009 Qualtech Consultants All rights reserved.
Deployment ArchitectureDeployment ArchitectureWeb Server
Application Server
Database Server
LAN Network
WAN Network
DB ServerOracle/SQL Server
App ServerWAS, JBOSS, Tomcat
Individual MachineIE 6.0 or above
Internet Cloud
Over HTTPS
Web ServerJ2EE compliant web-server
©2009 Qualtech Consultants All rights reserved.
Technical ArchitectureTechnical Architecture
Database
User Access – IE6.0 and above
View – JSP, Javascript, CSS, Images
Action ServletAction Servlet
Struts ConfigStruts Config
Authentication and AuthorisationAuthentication and Authorisation
Business Object LayerBusiness Object Layer
Data Access LayerData Access Layer
©2009 Qualtech Consultants All rights reserved.
Functional ArchitectureFunctional ArchitectureUser Over HTTPS
Info. Security
Layer
Authen.
Author.
SessionMgmt
External Interfaces
Loan Booking & Processing
Workflow Engine
Cash Flow Gen
Accounting Entries M
odule
Configuration &
Parameter Setup
Loan Servicing
EOD / EOM ModuleReporting
Prospect Gen
De-dupe Eng.
Docum
ents
Verifications
Deviations
Credit D
ecision
Disbursal M
ak.
Disbursal A
uth.
Notepad
EMI / IRR Calc
Charges Mgmt
Batch Management
PDC Presentations ClearanceECS
Transaction Management
Waive offKnock Off
Closures / Foreclosures
Excess & RefundsOTC
IMD
NPA Engine
DPD Calculation
Bucket Movement
NPA Classification
©2009 Qualtech Consultants All rights reserved.
Looking forward to being your IT PartnerLooking forward to being your IT Partner
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