1. Bilateral Loans
  2. Preface

Preface

This topic contains the following sub-topics:

Introduction

This manual is designed to help acquaint you with the Loans Module of Oracle Lending.

It provides an overview of the module and guides you, through the various steps involved in granting loans to the customers of your bank.

In addition to this User Manual, you can find answers to specific features and procedures, in the Online Help. It can be invoked by choosing Help Contents from the Help Menu of the software. You can further obtain information about to a particular field by placing the cursor on the relevant field and pressing the <F1> key on the keyboard.

Parent topic: Preface

Audience

This manual is intended for the following User/User Roles

Table -1 Audience

Role Function
Back office clerk Input functions for contracts
Back office managers/officers Authorization functions
Product Managers Product definition and authorization
End of day operators Processing during end of day/ beginning of day
Financial Controller / Product Managers Generation of reports

Parent topic: Preface

Conventions

The following text conventions are used in this document:

Table -2 Conventions and Meaning

Convention Meaning

boldface

Boldface type indicates graphical user interface elements associated with an action, or terms defined in text or the glossary.

italic

Italic type indicates book titles, emphasis, or placeholder variables for which you supply particular values.

monospace

Monospace type indicates commands within a paragraph, URLs, code in examples, text that appears on the screen, or text that you enter.

Parent topic: Preface

List Of Topics

This manual is organized into the following topics:

Table -3 List Of Topics

Topics Description and Cross References
Preface This gives information on the intended audience. It also lists the various chapters covered in this User Manual.
Loans - An Overview This is a snapshot of the features that the module provides. The topics which are part of Loans - An Overview are:
  1. Introduction
Maintaining Details Specific to SLT This topic explains the maintenance you have to carry out for a diary event. The topics which are part of Maintaining Details Specific to SLT are:
  1. User Groups Maintenance
  2. Maintaining Diary Events
  3. Maintaining Message Types for a Module
  4. Associating Message Types to Events for a Module
  5. Maintaining Market Price Details
  6. Free Format Messages for Loan Contracts
Defining Attributes Specific to Loan This topic talks about defining the attributes specific to setting up a loans product. The topics which are part of Defining Attributes Specific to Loan are:
  1. Introduction
  2. Setting Product Preferences
  3. Financial Operations Tax Maintenance
  4. Maintaining Slab/Tier Based Spread on Loan Outstanding
  5. Specifying the Logic for Currency Rounding
  6. Applying Tax on Liquidated Principal
  7. Classification of General Ledgers based on Transaction Codes
  8. Pool Fund Maintenance Screen
  9. Identifying a Component as a Refinance component
  10. 1098 Parameters Maintenance
  11. Maintaining positive and negative threshold residual limit amount
  12. Currency Days Maintenance
Disbursing a Loan This topic deals with the procedure involved in entering the details of a loan. The topics which are part of Disbursing a Loan are:
  1. Introduction
  2. Loan Disbursement Details
  3. Preferences for a Loan
  4. Linking a Loan to Commitments
  5. Levying Transaction Charges on a Loan
  6. Posting the Manual Journal Entries
  7. Uploading Loan Contracts through OL Upload Screen
  8. Error Log Details
  9. Viewing Event Details
  10. Levying Tax on a Loan Contract
  11. Specifying the Interest Details
  12. Maintaining Transaction-specific MIS Refinancing Rates
  13. Maintaining Overwrite Settlement Details
  14. Viewing Effective Rate (ER) of Interest for a Loan
  15. Interest Rates History
  16. Repayment Details
  17. Changing the Status of a Loan
  18. Maintaining Status Code
  19. Enquiry for Interest and Principal Projections
  20. Viewing the Settlement Details during Contract Authorization
  21. Viewing the Different Versions of a Loan
  22. Viewing the Accrual Fee Details for a Loan
  23. Viewing Entity Details
  24. Viewing the Effective Interest Details for a loan
  25. Specifying the Installment Preferences for a Loan
  26. Capturing customer relationships for every loan
  27. Specifying the Special Penalty Components
  28. Maintaining Floor and Ceiling Initial Details
  29. Booking Re-Price Transactions
  30. Consolidating Re-Price Transactions
  31. Maintaining Loan Loss Reserve
  32. Amending the Exchange Rate
  33. Classifying LC Sublimit
  34. Maintaining Special Penalty Component Waiver Details
  35. Viewing the Waiver Details of Special Penalty Components
  36. Maintaining Floor and Ceiling Details
  37. Specifying the Disclosure Schedule Details
  38. Viewing the Contract Disclosure Schedule Status Details
  39. Viewing Summary Details of a Loan
  40. Dual Authorization
  41. Multi-level Authorization
  42. Simulating Loans
Processing Upfront Fee Accruals This topic talks about accruing upfront fee components at the time of booking the contract. The topics which are part of Processing Upfront Fee Accruals are:
  1. Introduction
  2. Applying a Fee
  3. FASB Fees Amortization Using Straight Line Method
  4. Liquidating Fee Components
  5. Transferring Memo Interest to FAS91 Fee
Defining Discount Accrual Fee Classes This topic explains the process of discount accrual for loans. The topics which are part of Defining Discount Accrual Fee Classes are:
  1. Introduction
  2. Defining a Discount Accrual Fee class
  3. Events and Accounting Entries for Discount Accrual
  4. Specifying Status Change Details for Discount Accrual
  5. Processing for Internal Rate of Return Calculation
Processing Repayments This topic discusses the setting up of repayment schedules for the loans that are disbursed. The topics which are part of Processing Repayments are:
  1. Introduction
  2. Defining Schedules for a Product
  3. Setting Product Schedule Preferences
  4. Defining Repayment Schedules
  5. Pay Receivable Upload
  6. Principal Schedule Upload
  7. Setting Loan Schedule Preferences
  8. Specifying the Preferences of the Contract
  9. Revision and Repayment Schedules
  10. Making Manual Payments
  11. Simulating Payments
  12. Processing a Loan Payment when Contra Accounting is Applicable
Rolling over a loan It is the procedure of rolling over loans that have matured. The topics which are part of Rolling over a loan are:
  1. Rolling-over a Loan
  2. Features of the Product Roll-over Details Screen
  3. Specifying Contract Roll-Over Details
  4. Specifying Details for Normal Rollover
  5. Specifying Details for Rollover Split
  6. Specifying Details for Rollover Consolidation
  7. Advices for a Rolled-Over Loan
  8. Authorizing a Manual Roll-Over
Making Additional Disbursements and Rate Changes This topic deals with the additional details and changes that you can effect on a loan. The topics which are part of Making Additional Disbursements and Rate Changes are:
  1. Introduction
  2. Navigating to different tabs in Value Dated Amendment screen
  3. Simulating VAMI
  4. Tracking Payables and Receivables
Automatic Processing This topic explains the processes that automatically run periodic activities. The topics which are part of Automatic Processing are:
  1. Automatic Events in the Life Cycle of a Loan
  2. Specifying Branch Parameters
  3. Initiating the Automatic Contract Update Function
  4. Processing Auto Capitalization of Interest
  5. Initiating a Future Value Dated Contract
  6. Processing an Automatic Repayment
  7. Generation of Billing Advices and Delinquency Notices
  8. Automatic Rollover of a Loan
  9. Advices to be Generated for a Status Change
  10. Accrual of ICCF Components
  11. Interest Rate Revision on a Loan
  12. Value Dated Changes
  13. Viewing Unauthorized Transactions
  14. End of Day Operations
Processing a Commitment This topic deals with the setting up of loan commitments and linking of a commitment to a loan. The topics which are part of Processing a Commitment are:
  1. Introduction
  2. Defining a Commitment Product
  3. Initiating a Commitment
  4. Linking a Loan to a Commitment
  5. Viewing Billing Notice History
  6. Maintaining Slab/ Tier Based Fee for Commitment
  7. Viewing Quick Query Details of Loans
  8. Viewing Quick Query Details of Commitments
  9. Revaluation of Commitment
Annual Rest Loans This topic deals with the processing of Annual Rest Loans. The topics which are part of Annual Rest Loans are:
  1. Introduction
Jobs and EOD Batches This topic explains jobs and EOD batch operations for OL module.
Appendix A - Customer Correspondence This topic explains the types of advices and notices generated at each stage, in the life cycle of a loan.
Appendix B - Accounting Entries, Advices and Error Codes This topic contains a list of suggested accounting entries, advices and error codes that could be encountered for the loans module. The topics which are part of Appendix B - Accounting Entries, Advices and Error Codes are:
  1. Accounting Entries for Loans
  2. Loans Events
  3. Amount tags
  4. Accounting Roles
  5. Event-wise Accounting Entries and Advices
  6. Accounting Entries for Contract Adjustment
  7. Payable Receivable Liquidation
  8. Accounting for Discounted Loans
  9. Accounting Entries for Non-Performing Loans
  10. Accounting Entries for Reserved and Non-reserved Loans
  11. Accounting Entries for Cost of Credit Valuation
  12. Accounting Entries for LC Sublimit Re-classification
  13. Accounting Entries for Rollover Contingent
  14. Error Codes
  15. Examples of Calculating TEAC
Appendix C – Unexpected Recovery This topic gives step-by-step instructions that you will need to follow to facilitate the system to recognize unexpected recoveries.
Function ID Glossary It has alphabetical listing of Function/Screen ID's used in the module with page references for quick navigation.

Parent topic: Preface

Related Documents

You may need to refer to any or all of the User Manuals while working on the Loans module:

  • Core Services
  • Core Entities
  • Procedures
  • Settlements
  • Interest
  • Charges and Fees
  • Tax
  • User Defined Field

Parent topic: Preface

Symbols, Definitions and Abbreviations

The following are some of the Symbols you are likely to find in the manual:

Table -4 Symbols

Icons Functions
Exit Exit
Add row Add row
Delete row Delete row
Option List Option List

The images used in the documentation are of illustration purpose and need to be used only for reference.

For more information, refer to Accessibility User Manual.

Parent topic: Preface