This topic provides the systematic instructions to request for amendment of loan components after the Offer is Issued by the bank.

1. On acquiring the post offer amendment stage, the Post Offer Amendment screen appears.

   Figure 3-80 Post Offer Amendment

   
   

   
   Description of "Figure 3-80 Post Offer Amendment"

   
   
2. Specify the fields on Post Offer Amendment screen.
   For more information on fields, refer to the field description table.

   Table 3-47 Post Offer Amendment – Field Description

   Field	Description
   Primary Applicant	Displays the primary applicant name.
   Approved Loan Amount	Displays the approved loan amount.
   Loan Tenure	Displays the selected loan tenure.
   Stage	Select the type of repayment. All type of repayment methods configured in the Business Product Preferences data segments of the Business Product Configuration screens appears in the drop-down list.
   Stage Term <Term Unit>	Displays the default stage term configured in the Business Product Preferences data segments of the Business Product Configuration screens. The separate column appears for separate term units.
   Repayment Frequency	Select the repayment frequency from the drop-down list. The available options appears based on the configuration set in the Business Product Preferences data segments of the Business Product Configuration screens: Daily Weekly Bi-Monthly Monthly Quarterly Half Yearly Yearly
   Rate Type	Displays the rate type.
   Action	Click to add the record. Click to delete the added record. Click to edit the added record. This field appears when the loan tenure is modified.
   Interest Description	Displays the interest description of the selected interest rate code.
   Interest Rate (%)	Specify the interest rate. Interest Rate is fetched from host product to which this loan account is mapped via the Business Product configuration. The system validates the Floor and Ceiling rates for each interest component. If the effective rate is less than the floor rate, the system stamps the floor rate for that component. If the effective rate is greater than the ceiling rate, the system stamps the ceiling rate for that component.
   Rate Type	Select the rate type from the drop-down list. The available options are: Fixed Floating
   Margin / Variance ( %)	Click the link of margin or variance in percentage. It displays the pop-up list of all margins. Product Margin Risk based Margin Discretionary Margin Relationship Benefit Margin Bundle Margin The Margin field appears if the Rate Type is selected as Floating. The Variance field appears if the Rate Type is selected as Fixed. The Bundle Margin is displayed in the drop-down list only if loan is opened as part of a bundle application and bundle margin benefit is applicable.
   Effective Rate (%)	Displays the amended effective rate. Effective Rate = Rate of Interest + Margin/Variance.
   Approval Details	This section displays the following details related to the approval.
   Approved Amount	Displays the approved amount. This field will be blank for Manual Assessment.
   Approved Tenure	Displays the approved tenure.
   System Recommendation	Displays the system recommendations. Available options are: Approved Manual Rejected
   Manual Decision	Displays the manual decision details
   Total Weighted Score	Displays the total weighted score.
   Grade	Displays the grade of the applicant.
   Revised Interest Rate	This section displays the revised interest rate based on the details updated in Amendment Details section.
   Proposed Margin/Variance(%)	Displays the margin or variance rate percentage. This field displays Margin (%) if the Rate Type is selected as Floating. This field displays Variance (%) if the Rate Type is selected as Fixed.
   Offer Issue Date	Displays the date of offer issued.
   Offer Expiry Date	Displays the date based on the expiry period configuration done at the Business Product level which is used for this loan.
   Amendment Details	In this section, user can capture the details in the following fields.
   Offer Amend Date	Displays the date of offer amend.
   Approved Amount	Specify the approved loan amount. This field will be blank for Manual Assessment.
   Loan Tenure	Specify the loan tenure. The stage grid reappears when the loan tenure changes, allowing the user to enter the revised tenure details.

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.