Loan Prospect

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A loan prospect is essentially a potential borrower who has been identified as a suitable candidate for a loan. The loan prospect process involves identifying, assessing, and nurturing these potential customers to convert them into actual borrowers.

Loan Process

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1. Case Section

The Case Section appears to be a critical component of the "Add Prospect Form" where detailed information about the potential customer and their financial situation is collected. It also involves capturing information about the sales process and any guarantors involved.

1.1 Sales and Customer Information
1.2 Guarantor Information
1.3 Asset Valuation

2. Loan Details Section

The Loan Details section appears to be a crucial part of the prospect form, providing comprehensive information about the proposed loan. It includes details about the Loan Amount, fees, and other financial terms.

Loan Amount and Fees:

3. Document Section

The Document Section appears to be a critical part of the loan application process, where required documentation is listed and likely tracked for completion.

Mandatory Documents:

Optional Documents:

4. Collection Schedule Section

The Collection Schedule section appears to outline the calculation methodology for loan repayments, including principal, interest, and balance updates.

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 5. CIB Section

The CIB (Credit Information Bureau) section is designed to capture and record a customer's credit history information. It appears to be a crucial component in assessing the creditworthiness of a loan applicant.

Note: Corporate & Investment Banking (CIB or BBVA CIB) includes the Group's wholesale businesses, i.e. investment banking, global markets, global loans and transactional services for international corporate customers and institutional investors across its global footprint.

6. History Section

The History section appears to tracking customer interactions, activities, and status changes over time. By capturing detailed information about each interaction, it provides valuable insights for decision-making and analysis.

7. Loan Form

The loan form is a digital document used within a customer department's customer unit. It appears to be a part of the loan approval process.

Basic Information:

Loan Details:

Form Actions:

8. Location Section

Location Section is aim to capture precise geographical information about the customer and guarantor. This section is designed to improve the accuracy of risk assessment, fraud prevention, and overall loan processing efficiency.

Components

9. Blacklist Section

The Blacklist Section is a crucial component of the loan form that acts as a real-time check for potential risks. This section is designed to identify if the applicant or guarantor has a history of defaulting on loans or exhibiting other credit-related issues.

10. Relationship History Section

The Relationship History Section provides a comprehensive overview of existing relationships between the loan applicant (customer or guarantor) and the lending institution.

11. Document List Section

The Document List section is a repository for essential documents related to the loan process. It contains a total of 19 different document types, each serving a specific purpose in the loan cycle.

Buttons

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Navigation Buttons
Approval Process Buttons
Status Checking Button

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  1. Salesperson - This is drop down field
  2. Customer Name - This is text field
  3. Guarantor Name - This is text field
  4. Contract Type - There are five contract types.
  1. ID Card/Corporate No - This is text field
  2. Phone No - This is text field
  3. Customer ID - This is text field
  4. Prospect Initial Date range - Using this, can search date range
  5. Status - there are six(6) status
      1. Salespersons
      2. Contract No
      3. Customer Type
      4. Customer name/ Company Name
      5. Main Phone No
      6. Case No
      7. Contract Type
      8. Loan Amount
      9. Staff
      10. Status
      11. Action - This options will be change according to the status

Revision #6
Created 25 July 2024 10:50:36 by Odeesha Gamage
Updated 3 April 2025 04:22:10 by Odeesha Gamage