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Andhra Bank(A Govt. of India Undertaking)

Dept. of Information Technology, D Block, III Floor,"Cyber Gateway", Hitec City, Madhapur,

HYDERABAD - 500 081___________________________________________________________________CBS Doc. No. 218 Dated: 08.12.2010

LAPS -S E Q U E N C E O F S T E P S / A C T I V I T I E S I N L A P S M O D U L E

S T E P S A C T I V I T Y / W O R K / P U R P O S E T A B / S C R E E N / A C T I V I T Y

STEP 1Creation of Customer Profile

(Customer ID)

1. Demographics

2. Communication details

3. Employment Particulars (not required incase of unemployed / student / housewife)

4. Income & Expenditure (not required in caseof unemployed / student / housewife)

5. After filling up all the fields by visiting theabove four tabs, go to Demographics andobserve the completed status in the status

field and note down the applicant ID6. Like this create a customer ID for Co-obligant/guarantor/co-applicant etc.

STEP 2Linking of customer ID to the

Loan product

Click Application in the Home page and search

the required Customer ID , select newapplication tab, select the Loan Product andfill up the fields like Amount requested, projectcost and some other required fields .Systemwill pickup some of the fields automaticallylike Interest rate, Max repayment periodMargin etc as per the product selected.

STEP 3Giving the particulars of

Proposed Asset

Select the tab 'Proposed Asset 'to enter the

details of the asset to be created / purchased.In case of education loan select tab'education Loans' to enter the details ofproposed course

STEP 4 Check Limit

This tab which is available in Loan product tabcan be viewed for Verification of primaryeligibility of the applicant. Note that it is notthe final assessment of the proposal.

STEP 5

Linking of Co-

obligant/guarantor/co-applicant

Select the Cust. ID already created for co-applicant / co-obligant / guarantor and link therelative Cust. ID by selecting the tab co-applicant / co-obligant / guarantor

STEP 6

Assets & Liabilities (Forentering Primary & Collateral

Securities or arrivingNetworth)

Enter the details as per the propertystatement and other securities offered by

applicant / co-applicant / co-obligant /guarantor.

STEP 7 AppraisalVisit Tab ' Appraisal ' and enter the details inthe screen

STEP 8 Risk AnalysisBy visiting this Risk Analysis Score Sheet willbe displayed with marks so obtained for thatborrower.

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STEP 9 Appraisal Assessment

Here system automatically assess the loaneligibility of the borrower as per the incomeparticulars given, On the basis of the projectcost after deducting margin and other Max &

Min cap limit of that product.

STEP 10Appraisal Terms and

conditions

This tab should be visited to capture therelative terms and conditions of thatparticular product in the proposal / sanctionletter.User can add a new condition, can delete or

modify any existing condition.

STEP 11Appraisal Borrower Terms

and conditions

This tab should be visited to capture therelative terms and conditions of thatparticular product in the communication ofsanction to borrower.User can add a new condition, can delete ormodify any existing condition.

STEP 12Appraisal

Recommendations

For noting the recommendations and enteringthe recommended amount.These recommendations will be captured inthe proposal / appraisal note.Managers comments for sanction to be

entered in this Recommendations tab only.

STEP 13Work Flow Action

proposal

Process note can be generated by selectingproposal tab available at the bottom of the

screen.

STEP 14Sending the application to

next higher authority / user /Sanctioning authority

1) Work Flow Action Select the work flowpoint (select the relative radio button )Select the recipient select the user Selectthe purpose enter the remarks and clicksend.2) In case if the branch user want to send it toZO then select Organisation Select recipient(i.e) user ID at ZO and give remarks and

send.

STEP 18Sending the proposal from

one user to the other user forqueries / correction of data

Work Flow Action Select the work flowpoint select the organization (in case of ZOto Branch / BM to Officer etc ), Select therecipient select the user Select thepurpose enter the remarks and click send

STEP 15 Approval / Rejection

Workflow Action enter the sanctionedamount Enter the Sanction Letter

Reference enter the remarks clickapproval / Rejection button

STEP 16

Generation of Sanction Letter

/ communication of sanctionto borrower

Work Flow Action Sanction letter /Communication to Borrower(Generate thesanction letter / communication of sanction toborrower )

STEP 17

Sending back to the deskofficer after approval /

rejection for further course ofaction - sanction lr

generation / documentsgeneration etc.

Work Flow Action Select the work flow

point select the organization (in case of ZOto branch ), Select the recipient select theuser enter the remarks and click send

End of Document