This topic describes about the SME Loan Drawdown feature. The Bank provides the SME loan drawdown feature to draw down the required loan amount for their existing customer.

1. From Homepage, Click Corporate Lending, and then click Operations. From Operations, clcik Bi-Lateral, and then click SME.
2. On SME, click Drawdown.
   The Drawdown screen displays.

   Figure 1-100 Loan Drawdown

   
   Description of "Figure 1-100 Loan Drawdown"
3. On Drawdown screen, specify the fields. For more information on fields, refer to the field description table

   Table 1-81 Drawdown

   Field	Description
   Customer Number	Click Search to view and select the required Customer Identification number or you can also type the Customer Number. This field is applicable only when the Customer Type is selected as Existing. In case of existing customer, you can view and link one customer to multiple liabilities.
   Customer Name	Based on the Customer Number selected, the information is auto populated.
   Business Product	Click Search to view and select the required business product. Based on the business product system derives the following details to process the loan application: Applicable stages and its data segments Required documents and checklists Stage level advices
   Loan Purpose/Intent	Click Search to view and select the required loan purpose/intent.
   Application Date	Select an effective application date from the drop-down calendar. The system defaults the current system date as the application initiation date.
   Priority	Select a priority from the drop-down list.
   Facility Details	Displays the list of all facilities that are created for the Customer Number. You can select the appropriate Facility ID which requires to be linked for the loan.
   Commitment Linkage	Displays the list of all commitment linkages that are created to the loan amount. In case of existing customer, user can select the already added commitment (available in OBCL). User cannot delete the commitment linkage once added.
   Application Channel	Click Search to view and select the required application channel
   Application Submitted By	Select the details of the Agent/Customer who has submitted the application from the drop-down list.
   Name	Enter the name of the Agent/Customer who has submitted the application.
   Email	Enter the Email ID of the Agent/Customer who has submitted the application.

4. Click Initiate to begin the process.
5. Click the Submit.
   Once you click the Submit button on the screen, a unique Application Registration number is auto generated by the system, which are used throughout the process and for further tracking. For the terms like Term Loan, Pre-shipment Finance, Post-shipment Finance, Project Financing, Working Capital and so on, the application categorizes them. The user initiates the process flow for SME Loan Drawdown, and the system derives and instantiates it. Based on user rights, the system navigates to the first manual stage of the process flow.

   This topic contains the following sub-topics:

• Application Enrichment
  This topic describes about the Application Enrichment stage.
• Credit Exception
  This topic describes about the Credit Exception stage.
• Application Verification
  This topic describes the information about the Application Verification stage.
• Loan Approval
  This topic describes about the Loal Approval stage.
• Customer Agreement
  This topic describes about the Customer Acceptance stage.