Use Link Facility and Collateral screen to capture the credit lines and collaterals that the prospective borrower wants to associate as part of the corporate loan that is availed.

1. In the Loan Origination , click Link Facility and Collateral to link the details to the loan.

   Figure 2-13 Facility and Collateral Details

   
   

   
   Description of "Figure 2-13 Facility and Collateral Details"

   
   

   • Liability ID: Based on the Customer Identification number, field Liability ID will be defaulted.
     • Linkages
     • Facilities

   Table 2-12 Link Facility - Field Description

   Field	Description
   Facility ID	Enter the Credit line/Facility ID. The adjoining option list displays all valid liability numbers maintained in the limits system for the Customer Number. Select the appropriate one.
   Facility Category	System displays the facility category of the selected facility ID.
   Facility Currency	System displays the currency code of the selected facility ID.
   Facility Branch	System displays the branch of the selected facility ID.
   Start Date	System displays the start date of the selected facility ID.
   Expiry Date	System displays the expiry date of the selected facility ID.
   Line Currency	System displays the line currency of the selected facility ID.
   Line Amount	System displays the line amount of the selected facility ID.
   Available Amount	System displays the available amount of the selected facility ID.
   Utilized Amount	System displays the utilized amount of the selected facility ID.
   Linkage Percentage	Select the percentage of amount that needs to be linked to the loan for the given facility ID.
   Utilization Order	Select the order in which the utilization happens. The system utilizes the linkage in ascending order.

   Table 2-13 Collaterals - Field Description

   Field	Description
   Collateral ID	Select the collateral ID that must be linked under the Facility ID. The adjoining option list displays all valid collaterals maintained in the limits system for the customer number.
   Collateral Category	System displays the collateral category of the selected collateral ID.
   Collateral Type	System displays the collateral type of the selected collateral ID.
   Collateral Currency	System displays the currency code of the selected collateral ID.
   Collateral Amount	System displays the value of the collateral of the selected collateral ID.
   Available From	System displays the date from which the collateral is available for the selected Collateral ID.
   Available Amount	System displays the available amount of the selected collateral ID.
   Purpose of Facility	Enter the purpose for facility creation or remarks, if any.
   Available Amount	System displays the available amount of the selected collateral ID.

   Allows you to capture the business nature and activity of the customer who has requested for the facility creation. Use can update details as facility purpose and financial details here. This information can be used by credit manager to determine the maximum credit line amount that can be granted.

   Table 2-14 Facility Request - Field Description

   Field	Description
   Purpose of Facility	Enter the purpose of facility request.
   Facility Amount	Enter the facility amount as requested by the customer.
   Year	Select current year for which the financial details are updated in this segment
   Balance sheet size	Enter the current year balance sheet size in figures.
   Operating Profit	Enter the current year operating profit in figures.
   Net Profit	Enter the current year Net profit in figures.

   Rollover Preferences

   Is captured for specifying the rollover preferences. When a loan contract is opted for rollover (or) renewal, system will process the rollover based on the rollover mechanism and rollover method specified in this data segment. This will be a non-mandatory data segment and if no preferences is specified at data segment level, system will default the preferences specified either from application category or from product.

2. In the Loan Origination > Rollover Preferences tab and provide the required details

   Figure 2-14 Rollover Preferences

   
   

   
   Description of "Figure 2-14 Rollover Preferences"

   
   

   Table 2-15 Rollover Preferences - Field Description

   Field	Description
   Rollover Type	Select the amount type that needs to be rolled-over. An outstanding principal can be opted to rollover along with or without outstanding interest using this field. The options available are: Principal Principal + Interest Principal + (Interest-Tax)
   Rollover with Special Amount	Select the option if the loan needs to be rolled over along with Special amount.
   Special Amount	Enter the Special amount. Special amount field is used when the customer opts to specify an amount that is different from the outstanding principal + interest. The currency of rolled over amount will be defaulted from loan currency.
   Treat Special Amount as	Enter the manner in which the special amount to be treated. If the principal of the new loan is meant to be a special amount then it is required to indicate the manner in which the special amount is to be treated. The options available are: Rollover Amount: The special amount specified will be considered as a Rollover amount for the newly renewed loan. For example, if the outstanding amount is 20,000 and the special amount is given as 25,000 the additional 5000 gets added to the loan. If the outstanding amount is 30,000 and the special amount is given as 25,000 the additional 5000 gets liquidated. Liquidation Amount: The special amount specified will be considered as the amount to be liquidated. For example, if the outstanding amount is 20,000 and the special amount is given as 25,000 you are not allowed to rollover. If the outstanding amount is 30,000 and the special amount is given as 5,000 the additional 5000 gets liquidated and only 25,000 is rolled over. Maximum Rollover Amount: The special amount specified will be considered as the maximum amount to be rolled over. For example, if the outstanding amount is 20,000 and the special amount is given as 25,000 you can rollover the entire outstanding amount. If the outstanding amount is 30,000 and the special amount is given, as 25,000 only 25,000 will be rollover and the remaining 5000 is liquidated. Ignore: By choosing the Ignore option, you can choose not to treat the special amount in any specific manner.
   Rollover Mode	Specify the rollover mode - Auto/Manual. System will default the values from back office product. However user can modify here.
   Rollover Mechanism	Specify the rollover mechanism. System will default the values from back office product. However user can modify here.
   Schedule Definition	Specify if the schedule definition to be applied as per the contract or from back office product.
   Rate Definition	Specify if the rate definition to be applied as per the contract or from back office product.
   Maturity Type	Enter the Maturity Type for the rolled over loan. The maturity type specified for the old loan apply to loan being rolled over by default. However, you can change the maturity type using this field. The options available are: Fixed Call Notice
   Maturity Date	Select the maturity date for the rolled over loan.