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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. 220 Dated: 08.12.2010

LAPS USER GUIDE CUSTOMER-ID CREATION:

� Customer Profile:

� Download finacle customer ID for existing customers and fill up the gaps. � If finacle customer ID is not available create new customer ID in LAPS

� Demographics � Communication Details � Employment Details � Income & Expenditure � Ensure the status is “completed” and note the Customer ID

� APPLICATION ENTRY: � Click Application:

� Select the Customer ID by giving first three characters of the name or customer-id already created. Double Click on the applicant’s name displayed

� Select the “New Application” tab � Enter the Loan Product Details

� Enter the proposed asset details (for other than clean loans) � Link co-obligant / guarantor � Enter the relevant Assets and Liabilities of applicant / co-obligant / guarantor

as per property statement. � Click Net worth tab to verify the net worth details � Select the Appraisal tab and enter the relevant details � Click “Risk Analysis” tab and verify the Credit Score Sheet. � Select the “Assessment” Tab and verify the MPBF calculation

� Visit the “terms and conditions” tab � Visit the “Borrower terms and Conditions” tab

� Select the Workflow � Action � generate the appraisal note and verify. � Select the “Recommendations” tab under Appraisal, give the

recommendations duly giving the recommended amount. � Select the “Work Flow” tab and select “Action” tab � Here the application may be forwarded to any other official for Appraisal /

sanction / forwarding to ZO/HO etc. � While approving the proposal give the approved/Sanction amount and Sanction

Lr details. � Click “CBS Details” for automatic opening of Loan Account in Finacle.

URL FOR ACCESSING LAPS : http://172.30.162.34:9000/laps (IP based)

OR http://ablaps.abcbs.co.in:9000/laps (DNS based)

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Following is the LAPS login screen.

Enter User-id and password to login into LAPS package. First time the default password will be “LAPS2009”.

This is the HOME page of LAPS package. Please observe the user-id, user name and sol-id (Branch) on the top of the screen. Click “Retail-Agriculture” button to enter into Retail and Agri Modules.

Click to enter Retail

/ Agri. Module

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Click CBS ID and enter Finacle Customer-ID in the text box and click “CBS Customer” to download Finacle Customer ID into LAPS from FINACLE. Fill up the gaps and ensure status

is completed. An existing LAPS customer ID can be fetched through search by giving three letters of customer name or by giving Customer-id. For creating new customer-id which is neither existing in finacle nor in LAPS click “New Applicant” and create the same.

Click to create

customer-id

Click to enter Loan application

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Customer Profile Menu will consist of 4 tabs – Demographics, Communication Details, Employment Details and Income & Expenses. The fields marked with * are mandatory. After entering the details click “apply” button to save the record. Note the Customer-ID shown in demographics. Observe the Status visible on the top right hand side corner of demographics page. The status should be ‘Completed’ for proceeding further in processing of loan application or linking the ID as Co-obligant. Customer-IDs as above have to be created for the required parties i.e. Applicant, co-applicant, co-obligant(s) and

Guarantor(s).

For entering a proposal click “Application” button on home page, then the following screen is displayed

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Search for the borrower for whom the loan proposal is to be processed either by giving name of the borrower or by giving customer ID. Double click the borrower name displayed

and click “New Application” button in the next screen for entering a new loan proposal.

Existing application which is under process can be viewed on the basis of application Number. Select the existing application to complete the process, if any.

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On selection of the new application the following screen will be displayed.

The above screen is the loan product page. Select the loan product from search window, and enter amount requested and project cost. Then system automatically fetches the relative applicable parameters for that product like tenor, rate of interest and margin etc. Fill up the remaining details in the screen and save the information by clicking apply

button and note the Application No generated.

Select “Proposed Asset” tab and enter the details of the proposed asset for loan products like Housing Loan, Consumer Loans and Vehicle loans etc. For education loans select “Education Loan” tab and enter the required details for processing an education loan

Product Selection

search button

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Click “Co-Applicant / Guarantor” button to link co-applicant / co-obligant(s) / Guarantor(s) for whom the customer-ids are already created.

Select the applicant type as Co-applicant / co-obligant / guarantor. Click search button

adjacent to Name of the person, then another window will be displayed from which the name of the co-obligant etc has to be linked on the basis of name / customer-id. If the

income of the co-applicant has to be included for eligibility assessment then select “yes” in the field “Include income for eligibility” Eg. In case of housing loans only. Otherwise

system displays “NO “ by default. Click apply for saving the record. Repeat the process for linking required number of co-obligant(s) / guarantor(s) / co-applicant. Now select “Assets and Liabilities” and enter the property details as per property statements for the purpose of net worth and obtaining Primary / Collateral securities. In case of Housing Loans / Vehicle Loans etc. the details of the proposed asset entered will be taken as Primary Security by the system.

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Now click “Appraisal” Tab. The following page will be displayed.

Enter the details in the Appraisal screen and click apply.

Now click “Risk Analysis” Tab to get the credit score sheet. If credit score sheet is not

applicable for a particular product this Tab will not be visible / enabled. Eg. Edn Loan.

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A print out of the Credit Score Sheet can be taken simply by clicking print option available below the screen.

Now click Assessment Tab available under Appraisal to verify the eligibility.

Invariably Visit “Terms and Conditions” and “Borrower Terms and conditions” tabs. Otherwise Terms and conditions will not be printed in the process note / sanction letter. User can Add / Delete / Edit the terms and conditions as per their requirement. With this

the proposal entry and appraisal is over.

Click “Recommendations” Tab. The following screen will be displayed

Please click “New”, select the “Branch / ZO / HO “ as the case may be against

“Recommended by” and enter the recommendations in the text box. Enter the recommended amount in the “Recommended Amount” field and click ‘apply’ to save the

recommendations. Manager’s Recommendations / sanction remarks also have to be

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entered in the above screen only. The recommendations entered in the above screen will only be printed in the appraisal / process note.

With this the appraisal of the loan proposal is over.

Now to forward the proposal to next higher authority / Manager / ZO / HO etc. or to any other user for Recommendations / Sanction / Rejection of the proposal click “Work Flow” Click “Action” . The following screen will be displayed.

Before forwarding the proposal to Higher Official / Branch Manager, click “Proposal” button to Verify the proposal generated and if any corrections are required to be made go back and modify the respective fields. Once the proposal is forwarded / sent to any other user, Sender can not change/alter any values as the proposal will be in “View mode” only.

For forwarding the proposal to Higher Official / Branch Manager within the branch:

� Click the Action button, click “Branch Appraisal” to send to next higher official for review and recommendations.

� Click the Action button, click “Branch Sanction” to send to Branch Manager for sanction.

� Click the search button against “Select Recipient”. Another window with list of users registered in LAPS for that organization unit will be displayed. Select the recipient user-id from the list and click “ok”.

� Enter appropriate remarks like “submitted to SM Credit for review and recommendations” or “submitted to Branch Manager for Sanction” etc.

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� Click “Send” button. Then the proposal will be sent to the recipient and will be available in the inbox of the recipient.

� Click “History” tab to track the application movement.

For forwarding the proposal to Zonal Office / Head Office:

� Click the Action button against “Zonal Office Appraisal”. � Click the search button against “Select Organisation” � Select Zonal Office / Head Office, as the case may be. � Click the search button against “Select Recipient” and select recipient user-id. � Enter the remarks such as “Submitted to Zonal / Head Office for Sanction” etc. � Click “Send” button. Then the proposal will be available in the inbox of the recipient.

� The tracking of the proposal may be viewed through “History” tab.

In the Same way the proposal may be sent back / forwarded back from ZO to Branch or Branch Manager / SM Credit to Officer etc. for any corrections and re-submit. This workflow may be extensively used for queries / clarifications / correspondence for instantaneous exchange of information which will be part of the proposal in the system permanently and traceable. For Sanction of the proposal:

� Enter Sanction Amount � Enter Sanction Lr. No.

� Enter precise Remarks in the “ remarks” text box such as “Sanctioned” � Click “Approve”. Now the proposal will be sanctioned and the status of the proposal

will be “Processed/Approved”. � Now Sanction Letter and Communication of Sanction to Borrower can be generated.

In the same way the proposal may be rejected. Once the proposal is sanctioned, Customer-ID and / or Loan Account may be opened automatically in finacle. For this click “CBS Details” tab. The following screen will be displayed.

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Select the appropriate values and click “apply”.

To Open Customer-ID in finacle from LAPS: � Click “Customer Hand-off” button. The customer-id details will be transmitted to

Finacle and a message window appears. Click ‘OK’. � Wait for 2 minutes. � Click “Customer-ID Enquiry”. System displays the Finacle Customer-id.

If the customer details are downloaded from Finacle the above tabs will be disabled as there is no need to open customer-id in Finacle. To Open Loan Account in finacle from LAPS:

� Click “Account Hand-off” button. System displays a message window along with Cust-id with which the loan account is being opened.

� Wait for 2 minutes � Click “Account No. Enquiry”. System displays the Finacle Loan Account No opened.

Both the Customer-ID and Loan Account opened in Finacle will be in verified status. The Customer-ID and Loan Account numbers are stored in the LAPS application and the LAPS application number is stored in the Finacle Account details. Co-obligants, Security etc are to be created and linked in finacle manually. Branches are advised to verify the details captured and enter the required data manually in finacle in modification mode. For detailed guidelines on Interface module, please refer the job card on LAPS Interface Module.

// End of Document//