This topic provides the systematic instructions to modify the account details and recommend for the approval / reject the saving account application.

1. On acquiring the Manual Credit Assessment Stage from Free Tasks or clicking Next from the previosu data segment, the Manual Assessment screen is displayed.

   Figure 2-46 Manual Assessment

   
   

   
   Description of "Figure 2-46 Manual Assessment "

   
   
2. Specify the fields on Manual Assessment screen.
   For more information on fields, refer to the field description table. Refer to Assessment Details screen for the detailed explanation of Validation Model, Borrowing Capacity, Qualitative Score, Quantitative Score, Decision & Grade and Pricing tabs.

   Table 2-29 Manual Assessment – Field Description

   Field	Description
   Rate Percentage	Displays the rate percentage.
   Requested Amount	Specify the requested overdraft amount.
   Tenure	Displays the tenure.
   Base Rate	Displays the base type. This field appears if the rate type is Floating.
   Rate of Interest	Displays the rate of interest. This field appears if the rate type is Fixed.
   Margin	Displays the margin. This field appears if the rate type is Floating.
   Variance	Displays the variance. This field appears if the rate type is Fixed.
   Total Weightage Score	Displays the total weightage score.
   Approved Amount	Displays the approved overdraft amount.
   Proposed Margin	Displays the proposed margin. This field appears only for Floating rate type.
   Proposed Variance	Displays the proposed variance. This field appears if the rate type is Fixed.
   Effective Rate	Displays the effective rate of interest.
   System Recommendation	Displays the system recommendations. Available options are: Approved Manual Rejected
   Grade	Displays the grade of the applicant.
   APR	Displays the annual percentage rate value.
   Validation Model	This sections displays the validation model details.
   Validation Model Code	Displays the validation model code configured for the product.
   Description	Displays the description of the configured validation model.
   Status	Displays the overall status of the validation model.
   Rule ID	Displays the Rule ID configured in the validation model.
   Sequence	Displays the sequence of the configured rules.
   Status	Displays the status of the configured rule.
   Borrowing Capacity	This section displays the borrowing capacity details.
   Eligibility Code	Displays the unique eligibility code configured for the product.
   Eligibility Description	Displays the description of the configured eligibility.
   Requested Amount	Displays the requested card limit. If the calculated Borrowing Capacity is more than the Requested Amount, then Approved Amount is stamped to Requested Amount.
   Borrowing Capacity	Displays the calculated borrowing capacity of the applicant.
   Fact	Displays the fact configured in the eligibility code.
   Rule ID	Displays the rule configured in the eligibility code.
   Qualitative Score	This section displays the qualitative score details.
   Scoring Model Code	Displays the scoring model code configured for the product.
   Description	Displays the description of the scoring model.
   Application Score	Displays the overall application score for the applicant(s). The application score also appears in the respective applicant’s tab in case of the multiple applicants.
   Qualitative Score - Scoring Details	This section displays the qualitative score details.
   Question Code	Displays the question code configured for Qualitative Scoring Model
   Question	Displays the question configured in question code.
   Value	Displays the answers provided by the applicant.
   Score	Displays the calculated score based on the answers.
   Scoring Model Code	Displays the scoring model code configured for the product.
   Description	Displays the description of the scoring model.
   Weightage Score	Displays the overall weightage score for the applicant(s). The weightage score also appears in the respective applicant’s tab in case of the multiple applicants.
   Quantitative Score - Scoring Details	This section displays the Quantitative Score Details.
   Feature	Displays the feature configured in the Quantitative Scoring Model.
   Value	Displays the value of the application for the configured feature.
   Range Type	Displays the range type configured in the Quantitative Scoring Model.
   Range	Displays the range for the value of the application.
   Weightage %	Displays the weightage percentage configured for the feature.
   Score	Displays the score configured for the range.
   Weightage Score	Displays the calculated weightage for each feature.
   Decision & Grade	This section displays the decision and grade details.
   Model Code	Displays the model code configured for the product.
   Model Description	Displays the description of the model code.
   Decision	Displays the recommended decision for the application.
   Grade	Displays the recommended grade for the application
   Decision & Grade – Decision	This section displays the decision and grade details.
   Quantitative Score	Displays the overall quantitative score of the application.
   Quantitative Score Range	Displays the range for the quantitative score.
   Decision	Displays the decision configured for the quantitative score.
   Decision & Grade – Grade	This section displays the decision and grade details.
   Quantitative Score	Displays the overall quantitative score of the application.
   Quantitative Score Range	Displays the range for the quantitative score.
   Grade	Displays the grade configured for the quantitative score.
   Pricing	This section displays the pricing details.
   Pricing Model Code	Displays the pricing model code configured for the product.
   Model Description	Displays the description of the pricing model code.
   Rate Type	Displays the rate type.
   Rate Percentage	Displays the rate percentage.

3. Click Next to navigate to the next data segment, after successfully capturing the data. The system will validate all mandatory data segments and data fields. If mandatory details are not provided, the system displays an error message for the user to take action. User will not be able to proceed to the next data segment, without capturing the mandatory data.