SME loan origination process creates small and medium enterprise corporate loans using its method. This process initiate with creation of loan account for disbursement of funds.

1. On the Homepage, under the Corporate Lending menu, you can select Operations, Bi-Lateral, and then click SME.
2. On SME menu, click Loan Origination.
   The Loan Origination screen is displayed.

   Figure 1-82 Loan Origination screen

   
   

   
   Description of "Figure 1-82 Loan Origination screen"

   
   
3. On Loan Origination screen, specify the fields. For more information on fields, refer to the field description table

   Table 1-57 Loan Origination

   Field	Description
   Customer Type	Select one of the options: New - If selected, applicant details can be captured as part of loan creation. Existing - If selected, system defaults the applicant related details in the respective data segments. If you are an existing customer, you can view and link one customer to multiple liabilities.
   Lead/Prospect Number	Click Search to view and select the required Lead/Prospect Number. The loan administration helps determine if any loans are given under back-door schemes.
   Proposal Number	Click Search to view and select the required proposal number. The Draft Proposal Process presents a list of proposals to the customer. When you select a completed application, the draft proposal is displayed and you can choose one application. Once selected, the data segments applicable to the current application default to the values from the draft proposal.
   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
   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.
   Customer Name	Based on the Customer Number selected, the information is auto populated.
   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.
   Loan Amount	Select a currency from the drop-down list and specify the loan amount.
   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 linkages	Displays the list of all commitment linkages that are created to the loan amount. In case of existing customer, you can select the already added commitment (available in OBCL). You 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 button.
   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 SME Loan Origination process flow, system derives and instantiates it. Based on the user rights, the system navigates the first manual stage of the process flow.

• SME Lending Entry
  
• Application Enrichment
  
• Credit Exception
  
• Application Verification
  
• Loan Approval
  
• Customer Agreement