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 task from the Free Tasks.
   The Manual Credit Assessment screen displays.

   Figure 2-47 Manual Credit Assessment

   
   

   
   Description of "Figure 2-47 Manual Credit Assessment"

   
   
2. Specify the fields on Manual Credit 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
   Requested Amount	Displays the requested overdraft amount.
   Tenure	Displays the tenure.
   Interest Rate	This section displays the details of interest rate.
   Interest Description	Displays the description of the interest.
   Interest Rate(%)	Displays the rate of interest.
   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 The Margin field appears if the Rate Type is selected as Floating. The Variance field appears if the Rate Type is selected as Fixed.
   Effective Rate(%)	Displays the effective rate of interest.
   Auto Decision Details	This section displays the details of auto decision.
   Approved Amount	Displays the approved overdraft amount.
   Total Weightage Score	Displays the total weightage score.
   Grade	Displays the grade of the applicant.
   System Recommendation	Displays the system recommendations. Available options are: Approved Manual Rejected
   Proposed Margin/Variance(%)	Displays the proposed margin/variance. This field displays Margin (%) if the Rate Type is selected as Floating. This field displays Variance (%) if the Rate Type is selected as Fixed.
   Execution Summary	This sections displays the execution summary details.
   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.
   Severity	Displays the severity 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.
   Manual Assessment	This section displays the details of manual assessment.
   Recommended Amount	Specify the recommended loan amount.
   Final Tenure	Specify the final tenure. The stage grid reappears when the final tenure changes, allowing the user to enter the revised tenure details.
   Recommendation	Select the recommendations. Available options are: Recommended for Approval Reject
   Comments	Specify the comment for the recommendation.
   Reject Reason	Select the reject reason.
   Credit Appraisal Memorandum	Click the Credit Appraisal Memorandum Advice link under Quick Links to generate the Credit Appraisal Memorandum. The Credit Appraisal Memorandum summarizes the borrower’s profile, credit assessment, and decision details. User can view it under the Advices link.

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.