<Search: CA No./ Name/ ID No.>

This is the credit application number, or customer name or customer identity value to filter the credit applications that have been retrieved and displayed.

<Application Status>

CA No.

Apply Type

This is the category of the credit application, e.g., Normal, which includes personal loan.

Apply Date

This is the date and time that the credit application has been submitted by customer, with details inputted into the system.

Name

ID No.

Status

Assigned To

This is the User ID of the user who has been assigned to work on a workflow state or an activity required in the credit application.

Additional Info

This is the additional information, comments or remarks regarding the relevant credit application.

Note: Click once on the hyperlink, to view the details.

Assigned On

This is the date the credit application has been assigned to be further processed by another user.

Overdue

This is the total number of day(s) the assigned credit application has passed its expected due date.

Application Option

Customer Type

Application Type

Module

Product Line

Product

Ccy

ID Type

First Name

This refers to the given name or forename of the customer.

Middle Name

This refers personal name that is situated between the first name and the surname of the customer.

Last Name

This refers to surname or family name of the customer.

Date of Birth

This is the date the customer was born.

Customer Name

This is the full name of the 'matching' existing individual customer, found.

Customer ID

This is the identification number of the 'matching' existing individual customer.

Source

This indicates where the 'matching' existing customer record was found in system, e.g., APP - Application; the application is created using this 'CA Workspace' function, at this Loans Origination System (LOS).

Is Found?

This indicates whether the existing customer record found matches with the details of the applicant (main-holder), inputted. Checked check box indicates, the customer record found to match with the applicant (main-holder) details (e.g., Customer ID and Customer Name). Uncheck checkbox indicates otherwise.

ID Type

This is the type of identification document used for the respective individual customer which has been set to AUTOGENID - Auto Generated ID.

Customer ID

This is the identification number of the individual customer.

Title

This is the honorific to address the individual customer, e.g., Mr, Mrs and Ms.

Customer Name

This is the full name of the individual customer.

Email Address

This is the individual customer’s designation name of an electronic mailbox that received and sent out messages, e.g., johnmh12@hotmail.com.

Contact No.

This is the correspondence mobile phone number, or house number, or office number of the individual customer.

Mailing Address

This is the postal address for physical mail to be delivered.

Date of Birth

This is the date that the individual customer was born.

Marital Status

Gender/Sex

Home Tel No.

This is the individual customer’s home fixed line contact number or mobile number.

Home Address

This is the postal address of the individual customer’s home.

CA No.

Application Date

This is the date that the credit application has been submitted by customer, with details inputted into the system.

Application Name

This is the name of the customer who is applying credit facilities in the credit application.

<Additional Info>

Application Description

This is the comments or additional brief details concerning the respective credit application, e.g., purpose of the credit application.

Officer in Charge 1

This is the Staff ID of the credit officer in charge of the credit application.

CA Received Date

This is the date on which a credit application has been received from the applicant.

First Name

This refers to the given name or forename of the customer.

Middle Name

This refers personal name that is situated between the first name and the surname of the customer.

Last Name

This refers to surname or family name of the customer.

Alternative ID Type 1

Alternative ID No. 1

Title

Alternative ID Type 2

Alternative ID No. 2

Agree to TC & PDPA

Date of Birth

Gender

Age

Email Address

Mobile No.

This is the mobile phone number that can be used to communicate with the applicant.

Marital Status

Foreigner

Race

Resident

This indicates whether the applicant is a resident of the country.

Education Level

This indicates the highest level of school that has been completed by the applicant, e.g., DG - Degree Holder.

Home Tel. No.

This is the residence contact number of the applicant.

Address 1

This is the address line 1 of the applicant, e.g., No. 18, Jalan SS2/4.

Address 2

This is the address line 2 of the applicant, e.g., Taman Paramount.

Address 3

This is the address line 3 of the applicant.

Address 4

This is the address line 4 of the applicant.

Country

This is the country in which the address is located, e.g., Malaysia.

State

This is the state in which the address is located, e.g., Malaysia is a federation that comprises 13 states and 3 federal territories, and Selangor is one of the states.

City

Postcode

This is basically the series of letters or digits or both, sometimes including spaces or punctuation, included in a postal address for the purpose of sorting mail, e.g., 47301.

Premise Ownership

Same as Above Address

Address 1

This is the other address line 1 of the applicant, e.g., No. 123, Bangunan HLA.

Address 2

This is the other address line 2 of the applicant, e.g., Jalan Raja Chulan.

Address 3

This is the other address line 3 of the applicant.

Address 4

This is the address line 4 of the applicant.

Country

This is the country in which the address is located, e.g., Malaysia.

State

This is the state or federal territory in which the address is located, e.g., Malaysia is a federation that comprises 13 states and 3 federal territories, and Wilayah Persekutuan is one of the federal territories.

City

This is the large town in which the address is located, e.g., Petaling Jaya.

Postcode

This is basically the series of letters or digits or both, sometimes including spaces or punctuation, included in a postal address for the purpose of sorting mail, e.g., 50450.

Premise Ownership

Employment Date

This is the date the individual applicant (main-holder) was hired, to work by an employer.

Name of Company/Employer

This is the name of the organisation that is hiring staff.

Office Address

This is the work place address of the individual applicant (main-holder).

Field

This is the respective category of income and related income item, or category of expenses and expenses item, as the applicant’s sources of income, e.g., Bank Statement, Other Income or Debt Obligation.

Month 1

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 1st month of the present year by the respective source of income.

Month 2

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 2nd month of the present year by the respective source of income.

Month 3

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 3rd month of the present year by the respective source of income.

Month 4

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 4th month of the present year by the respective source of income.

Month 5

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 5th month of the present year by the respective source of income.

Month 6

This is the income amount (in base currency) received, or expenses amount (in base currency) charged, on the 6th month of the present year by the respective source of income.

Annual Amt

This is the applicant’s total income or expenses amount (in base currency) in the present year.

Factor

Ex. Rate

Average

This is the applicant’s monthly average income amount (in base currency) in the present year.

Recognized Amt

This is the computed monthly income amount, or expenses (in base currency) in the present year to be used for the credit application evaluation.

Existing Exposure

This is the existing credit facilities amount (in base currency) of the applicant(s) and their related credit facilities amount (in base currency) in the financial institution.

New Exposure

This is the new credit facilities amount (in base currency) that are being applied in the credit application.

Total Exposure

This is the sum of all the credit facilities amount (in base currency) of the applicant(s) and the new credit facilities amount (in base currency) applied in the credit application; Total Exposure = Existing Exposure + New Exposure.

Product

This is the code and name of the credit facility’s product (e.g., PF002 - FAST CASH FINANCING) applied in the application.

Note: If the product name has a different name described at the 'External Production Description' field at the 'Product Maintenance' function, system will display this value in this column.

Facility No.

Ccy

Apply Amount

Tenure

This is the respective credit facility term (in months).

Approved Amount

This is the approved amount (in product currency) of a credit facility in the credit application.

Installment Amount

This is the computed repayment amount (in product currency) that is payable for each repayment period (e.g., monthly basis) for the credit facility in the application.

Last Installment Amount

This is the computed repayment amount (in product currency) that is payable for on the final repayment period for the credit facility in the application.

Financing Amount

This is the requested credit facility amount (in product currency).

Tenure

Loan Purpose

This is the purpose of the application of the credit facility.

Pricing Scheme

This is the code and name of the interest or profit rate charging conditions scheme to be applied to the credit facility.

View Pricing Info.

Click once on this button to view more details of the interest or profit rate charged via the 'View Pricing Info.' pop-up window.

Account Parameter

Compute

GEY

This is the Gross Effective Yield (GEY) or Gross Operating Income (GOI) (in percentage), of the credit facility based on the selected credit facility amount, facility tenure, and the interest rate, or profit rate charged, before deducting some running cost (e.g., handling fee).

Type

From - To Period

This is the period range in a pricing rate tier, e.g., 1 to 36 months.

Rate Code

Rate

Margin Value

Final Rate

This is the total interest rate taking into consideration the value from the 'Rate' column and 'Margin Value/ Spread' column.

Formula: Requested Rate = Base Rate + Margin Rate

Installment

This is the computed repayment amount (in product currency) that is payable in each repayment period (e.g., monthly basis) for the credit facility in the application.

Note: Presently the currency of all the financier’s products is the same as the base currency.

Last Installment

Total Interest

Collateral Type

This is the category of a collateral of which user is creating or created, e.g., Precious Metal or Other Livestock.

Ccy

This is the currency that is applicable to the collateral’s security value, e.g., PHP or USD.

Collateral Value

This is the collateral value that is to be used in securing credit facilities of a credit application, e.g., Precious Metal or Other Livestock.

Facility Link

This is the hyperlink to be clicked once in order for system to trigger the Attach Product window to pop up.

Reference No.

This is the unique reference number of an existing credit application which is generated by system.

Description

This is the remarks or additional details for more informative purpose relating to a collateral.

Preferred Collateral ID

This is the unique identification number of a collateral in system.

Ccy

This is the account or product or facility currency, e.g., PHP or USD.

Collateral Value

This is the collateral value that is to be used in securing credit facilities of a credit application, e.g., Precious Metal or Other Livestock.

Make/ Brand

This is the brand of the precious metal or jewelry or stones, e.g., Cartier.

Model/ Series

This is the specific model of a particular brand, e.g., Cartier Destinee Earrings.

Serial No.

This is the serial number used to identify the manufacturer, e.g., serial number stamped on the precious metal or certificate.

Color

This is the colour of the precious metal or jewelry or stones that is to be financed or being financed in this application.

Condition

This indicates the overall appearance of the precious metal or jewelry or stones that is to be financed or being financed in this credit application.

Purchase Date

This is the date on the sales invoice or product activation certificate issued by the seller.

Purchase Location

This is the the location where an item was purchased, e.g., Cartier Pavilion.

Breed

This refers to a particular type of livestock, example dog : German Shepherd, Bulldog, Labrador Retriever.

Age

This refers to the age of the livestock.

Health Condition

This refers to the health condition of the livestock.

Country

This refers to the country where the livestock is raised.

Make/ Brand

This is the brand of the equipment, e.g., John Deere.

Model/ Series

This is the specific model of a particular brand, e.g., Compact Excavator.

Serial No.

This is the serial number used to identify the manufacturer, e.g., serial number stamped on the equipment or certificate.

Color

This is the colour of the equipment that is to be financed or being financed in this application.

Condition

This indicates the overall appearance of the equipment that is to be financed in this credit application.

Lot/Unit No

This is a unique reference number that has been assigned to a piece of property.

Address

This is the postal address of a piece of property.

Country

Land Type

Property Developer Name

This is the name of the developer that has built the piece of property, e.g.,Eco World Development Group Bhd.

Property Purchase Price

This is the price that the piece of property was purchased.

Property Market Value

This is the estimated worth of a piece of property (in relation to surrounding properties of similar specs, requisite to a fair sale) to be exchanged between the buyer and seller.

Property Status

Land Area

This is essentially the land size of the piece of property which maybe containing, only a piece of land or building with land.

Built Up Area For Property

This is the total area measured on the outer line of the property, including balcony, terrace and more. In other words, it also means the usable (or carpet area) of the property plus the area occupied by the walls and columns of the property.

Built Date

This is the date that a piece of property was developed and ready for occupancy.

Registered Owner

This is the presently registered owner of the piece of property.

Remarks

This refers to the additional comments relating to the property.

Customer Name

This is the name of a guarantor.

Relationship

This is to indicate how the guarantor is related to the applicant of the application, e.g., 10 - RELATIVE.

Remarks

This is the additional comments for more informative purpose relating to a particular guarantor in the application.

Click To Add Memo

Click once on the related icon, to input memo contents, towards creating a memo.

History

Category

Name

This is the name of the applicant, or party.

Identity Card/ Passport (Max 10 Files)

This is the identity document of the main holder.

Payslip (Max 10 Files)

This is the salary slip.

EPF Statement (Max 10 Files)

This is income earning evidence, e.g., the Employment Provident Fund (EPF) statement.

Bank Statement (Max 10 Files)

This is the deposit account (e.g., savings or current account) statement, or credit facility (e.g., Housing Loans, Hire-Purchase) statement.

<Selection Checkbox>

Checked on the respective record’s checkbox, to select the record.

Event

Negative Flag

Status

Created Date

This is the date that the respective customer verification activity was generated in system.

Decision

This is the inputted decision concerning the respective customer verification’s findings.

Decision Date

This is the date when the decision was made on the respective customer verification’s findings.

Decision By

This is the User ID of the user who has made the decision on the respective customer verification’s findings.

Remarks

This is the remarks or additional details for more informative purpose relating to the respective customer verification’s findings, or for user to click once on the 'Trigger Event Checking' button, towards executing the customer verification’s event.

ID No.

This is the identification number of the suspicious customer, e.g., MYKAD number for individual customer.

Full Name

This is the complete name of a suspicious customer.

Relation

Date of Birth

This is the date of birth of the suspicious individual customer.

Status

Hit/ Found

Created Date

This is the date and time the suspicious customer’s 'Internal Blacklist' activity was triggered, and created in the system.

Review Remarks

This is the remarks or additional details for more informative purpose relating to respective customer’s verification activity by the findings reviewer.

Blacklist Status

Add Comments

Click once on this button to input relevant messages or notes to highlight certain concerns during each credit application workflow stage, via the 'Add Comments' pop-up window.

Event Name

This is the brief description of each credit processing workflow state and other related activity took place in the credit application, e.g., First Input, My Draft, and Credit Check.

Start Date

This is the commencement date of the respective credit processing workflow state and other related activity took place in the credit application.

End Date

This is the completion date of the respective credit processing workflow state and other related activity took place in the credit application.

Duration

This is the length of time (in days, hours and minutes), taken to complete the respective credit processing workflow state and other related activities of the credit application.

Remarks

This is the comments or additional details concerning the respective credit processing workflow state and other related activity of the credit application.

Assigned User

Status

Decision

Category

ID

Name

Stage

This is the respective past credit processing workflow stage (including system’s background stage) that has taken place, which has impacted on the financing terms in the credit application.

Name

This is the User ID of the officer in charge of the credit application at the respective credit processing workflow stage.

Rate

This is the financing rate charged on the related credit facility in the credit application.

Applied Amt.

This is the applied financing amount (in product currency) of a credit facility in the credit application.

Approved Amt.

This is the approved financing amount (in product currency) of a credit facility in the credit application.

Applied/ Approved Tenure

This is the applied, or approved tenure of a credit facility in the credit application.

GEY

This is the Gross Effective Yield (GEY) or Gross Operating Income (GOI) (in percentage), of the credit facility based on the selected credit facility amount, facility tenure, and the interest rate, or profit rate charged, before deducting some running cost (e.g., handling fee).

DSR

This is the Total Debt of the individual customer, against their income, or revenue; essentially refers to the customer’s debt commitment to income, and the lower the ratio value is better, e.g., 30.00 is better than 60.00.

Installment

This is the computed repayment amount (in product currency) that is payable for each repayment period (e.g., MYR1,500.00 on monthly basis) for the credit facility in the application.

Note: Alternatively, if multi-tier of interest or profit rates are applicable, click once on the 'More' hyperlink, displayed, to access the 'Facility Information' pop-up window to view the different periods' repayment amount.

Create On

This is the date and time that the respective record of financing repayment record with related risk indicators has been created or computed in system.

Acct. No.

Product

This is the code of the respective credit facility’s product in the credit application.

Status

This is the respective credit facility’s account status, e.g., A - Active.

First Release

This is the date of the first disbursement made on the credit facility’s account.

Approved Amt.

This is the approved amount (in product currency) of a credit facility in the credit application.

Principal O/S

This is the credit facility’s principal outstanding amount (in product currency).

Gross Balance

This is the credit facility’s gross outstanding amount (in product currency), which includes all possible outstanding items like the interest or profit, principal, penalties, and all fees and charges.

Arrears Amount/ MIA

This is the credit facility’s total installment amount (in product currency) that has been overdue or missed by the customer.

CA No.

This is the unique reference number of the respective credit application which is generated by system.

Application Amount

This is the credit facility amount (in product currency) applied in a credit application.

Application Status

This is the status of the ongoing application, e.g., Pending.

View Details

This is the hyperlink to be clicked once, to open up the 'CA Enquiry Details' panel.

Customer Name

This is the full name of the matching existing individual customer.

Customer ID

This is the identification number of the matching existing individual customer.

Relationship

ID Type

This is the type of identification document used for the respective individual customer, e.g., 02 - MYKAD.

Customer ID

This is the identification number of the individual customer.

Title

This is the honorific to address the individual customer, e.g., Mr, Mrs and Ms.

Customer Name

This is the full name of the individual customer.

Email Address

This is the individual customer’s designation name of an electronic mailbox that received and sent out messages, e.g., johnmh12@hotmail.com.

Contact No.

This is the correspondence mobile number of the individual customer.

Mailing Address

This is the correspondence postal address for physical mail to be delivered.

Date of Birth

This is the date that the individual customer was born.

Marital Status

Gender/ Sex

Home Tel No.

This is the individual customer’s home fixed line contact number or mobile number.

Home Address

This is the postal address of the individual customer’s home.

CA No.

This is the unique reference number of the respective credit application which is generated by system.

Application Amount

This is the total credit facilities amount (in base currency) that customer has applied in a credit application.

Application Status

View Details

This is the hyperlink to be clicked once in order for system to open at the 'CA Enquiry Details' panel, for more details.

Own Exposure

This is the total present credit facility outstanding amount (in product currency) of the applicant in the credit application.

Related Exposure

This is the total present credit facility outstanding amount (in product currency) of the related party (the guarantors) in the credit application.

Acct. No./ Fac. No.

Own Exposure

This is the applicant’s current credit facility outstanding amount (in product currency) in the application for the specific facility.

Related Exposure

This is the present credit facility outstanding amount (in product currency) of the related party (the guarantors) in the credit application.

Cust. Name

This is the full name of the individual related party.

Relationship

Product

This is the code of the credit facility’s product in the credit application.

Status

This is the credit facility’s account status, e.g., A - Active.

Approved. Amt.

This is the approved amount (in product currency) of a credit facility in the credit application.

Principal O/S

This is the credit facility’s principal outstanding amount (in product currency).

Customer Name

This is the full name of the main holder’s customer or applicant in the present credit application.

Relationship

This is the party of the applicant in the present credit application, e.g., M - Main Holder.

Matched Criteria

This is the matched item from existing customer information file records stored in system, e.g., Phone No..

Matched Value

This is the matched item value from existing customer information file records stored in system, e.g., 0123841234.

Matched ID No.

This is the matched Customer ID from existing customer information file records stored in system, e.g., 801108122345

Matched Customer Name

This is the matched Customer Name from existing customer information file records stored in system, e.g., Jamie Leong

<Applicant Name><ID No.>

This is the customer name of the applicant (main-holder), and the related customer identification number.

CA No.

This is the unique reference number of the credit application which is generated by system.

<Application Status>

Cr. Score

This is the computed credit assessment score grade and related scores based on some risk methodologies pre-maintained.

Application Type

AA

This is the code of the approval authority that has performed approval (e.g., approved) on the credit application, and the date the approval was made.

Note: However, if the credit application has been automatically approved, the value that will be displayed in this field is 'AUTO_APPR'.

Address

This the correspondence postal address of the credit application.

Contact

This is the designation name of an electronic mailbox that received and sent out messages, e.g., johnmh12@hotmail.com, or mobile telephone number for correspondence with the customer(s) in the credit application.

Others

This is the additional details concerning the credit application.

Facility No.

Product

This is the name of the applied credit facility’s product in the credit application.

Account No.

Repayment Type

This is the repayment pattern of the respective credit facility. Repayment type of each credit facility can be pre-maintained at the 'Product Maintenance' function, e.g., 'T - Installment.

Principal

This is the applied credit facility amount, or credit facility’s principal amount (in product currency) in the credit application.

Rate

This is the interest, or profit rate applied to the respective credit facility.

Interest

This is the total amount (in product currency) of interest or profit charged throughout the credit facility tenure.

Installment

This is the repayment amount (in product currency) that is payable for the credit facility on each repayment period, e.g., monthly basis.

Final Payment

This is the final period’s repayment amount (in product currency) that is payable for the credit facility.

#Collateral

This is the total number of collaterals(s) for the respective credit facility, e.g., 2.

Amount Secured

The refers to the value of collateral pledged by the applicant to financial institution as security for the facility.

#Guarantor

This is the total number of guarantor(s) for the respective credit facility, e.g., 2.

LO Expired On

This is the date after which the letter of offer is no longer in effect.

Type

This is the category of the collateral, that is applicable to user and has been pre-mapped to system’s collateral category.

Description

This is the description of a collateral e.g., a unit of light industrial factory known as Lot 108, at Batu Tiga Light Industrial Park.

Collateral Value

This refers to the fair market value of assets that are used to secure the facility.

Name

This is the name of the guarantor.

Relationship

This is the relationship between the guarantor and the applicant.

Stage

This is the respective past credit processing workflow stage (including system’s background stage) that has taken place, which has impacted on the financing terms in the credit application.

Name

This is the User ID of the officer in charge of the credit application at the respective credit processing workflow stage.

Rate

This is the financing rate charged on the related credit facility in the credit application.

Applied Amount

This is the applied financing amount (in product currency) of a credit facility in the credit application.

Approved Amount

This is the approved financing amount (in product currency) of a credit facility in the credit application.

Applied/ Approved Tenure

This is the applied, or approved tenure of a credit facility in the credit application.

GEY

This is the Gross Effective Yield (GEY) or Gross Operating Income (GOI) (in percentage), of the credit facility based on the selected credit facility amount, facility tenure, and the interest rate, or profit rate charged, before deducting some running cost (e.g., handling fee).

DSR

This is the Total Debt of the individual customer, against their income, or revenue; essentially refers to the customer’s debt commitment to income, and the lower the ratio value is better, e.g., 30.00 is better than 60.00.

Installment

This is the computed repayment amount (in product currency) that is payable for each repayment period (e.g., MYR1,500.00 on monthly basis) for the credit facility in the application.

Note: Alternatively, if multi-tier of interest or profit rates are applicable, click once on the 'More' hyperlink, displayed, to access the 'Facility Information' pop-up window to view the different periods' repayment amount.

Created On

This is the date and time that the respective record of financing repayment record with related risk indicators has been created or computed in system.

Add Comments

Click once on the 'Add Comments' button, system will trigger the 'Add Comments' window to pop up.

Event Name

This is the brief description of each credit processing workflow state and other related activity took place in the credit application, e.g., Customer Decision.

Start Date

This is the commencement date of the respective credit processing workflow state and other related activity took place in the credit application.

End Date

This is the completion date of the respective credit processing workflow state and other related activity took place in the credit application.

Duration

This is the length of time (in days, hours and minutes), taken to complete the respective credit processing workflow state and other related activities of the credit application.

Remarks

Assigned User

Status

Decision

Add Memo

Click once on the button, to input memo contents, and create memo message.

History

Employment Date

This is the date the individual applicants or individual guarantor was hired, respectively to work by an employer.

Length of Service (Year)

This is the employment duration (in years) of the individual applicants or individual guarantor.

Note: The value is auto-computed once user has inputted the 'Employment Date'.

Length of Service (Month)

This is the employment duration (in months) of the individual applicants or individual guarantor.

Note: The value is auto-computed once user has inputted the 'Employment Date'.

Employment Status

Company Name

Employment Type

This is the employment category, e.g., 113 - Labour Force - Private Employee.

Occupation

Position

This is the specific description of the job function (e.g., P - PROFESSIONAL) of the individual applicants or individual guarantor.

Office Tel. No.

Office Address

This is the work place address of the individual applicants or individual guarantor.

Country

This is the country in which the office address is located, e.g., Malaysia.

State

This is the state in which the office address is located, e.g., Malaysia is a federation that comprises 13 states and 3 federal territories, and Selangor is one of the states.

City

Postcode

This is basically the series of letters or digits or both, sometimes including spaces or punctuation, included in a postal address for the purpose of sorting mail, e.g., 47301.

Field

This is the respective source of income item, as a source of income, or statutory deduction item for the individual applicants or individual guarantor, e.g., Basic Salary, Fixed Allowance, Bonus, EPF and SOCSO.

Month 1

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 1st month of the present year by the respective source of income or statutory deduction item.

Month 2

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 2nd month of the present year by the respective source of income or statutory deduction item.

Month 3

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 3rd month of the present year by the respective source of income or statutory deduction item.

Month 4

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 4th month of the present year by the respective source of income or statutory deduction item.

Month 5

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 5th month of the present year by the respective source of income or statutory deduction item.

Month 6

This is the income amount (in base currency) received, or the deduction amount (in base currency) on the 6th month of the present year by the respective source of income or statutory deduction item.

Annual Amt

This is the total income amount (in base currency), or the total deduction amount of a specific statutory deduction item (in base currency) in the present year of the individual applicants or individual guarantor.

Factor

Ex. Rate

Average

This is the monthly average income, or deduction amount (in base currency) in the present year of the individual applicants or individual guarantor.

Recognized Amt

This is the computed monthly income amount, or deduction amount (in base currency) in the present year to be used for the credit application evaluation for the individual applicantsor individual guarantor.

Price Description

This is the code and brief description of the related pricing scheme code applied to the respective credit facility in the credit application.

From-To Period

This is the periods range in a pricing rate tier, e.g., 1 to 999.

Type

Rate Code

Rate

Margin

Margin Type

Total Rate

Prepayment Penalty Scheme

This is the scheme code of the penalty on early settlement of the credit facility, e.g., PREPEN1 - EARLY SETTLEMENT PENALTY.

Late Payment Penalty Scheme

This is the scheme code of the penalty on late payment of a facility instalment payment, e.g., PTY01 - FIXED AMOUNT.

Late Charges Scheme

This is the scheme code of the penalty on late repayment of the credit facility, e.g., LC01 - LATE CHARGE.

Rate Code

This is the code associated with an interest or profit rate applied on the credit facility.

Rate

This is the interest or profit rate applied on the credit facility.

Note: The value of this column can be either the base interest rate code, or the fixed interest rate code.

Margin Rate

This is the margin rate value above or below the applicable base rate applied to the credit facility.

For example 1: Marginal Rate Below

Base Rate : 5.00000 Margin Rate : -1.0000 Total Interest or Profit Rate : 5.00000+ (-1.00000) = 4.00000

For example 2: Marginal Rate Above

Base Rate : 5.00000 Margin Rate : 1.0000 Total Interest or Profit Rate : 5.00000+ (1.00000) = 6.00000

Total Rate

This is the total interest rate taking into consideration the value from the 'Rate' column and the 'Margin Rate' column.

Customer Type

ID Type

This is the guarantor’s identification type.

Presently, the default option value has been set to 'AUTOGENID - Auto Generated ID'.

First Name

This refers to the given name or forename of the guarantor.

Middle Name

This refers personal name that is situated between the first name and the surname of the guarantor.

Last Name

This refers to surname or family name of the guarantor.

Date Of Birth

This is the guarantor’s date of birth.

<Selection Check Box>

Mouse over the checkbox and then click once on it, to select. Mouse over the checked checkbox, to deselect it.

Product

This is the code and brief description of the respective credit facility record inputted in the credit application.

Ccy

This is the product currency.

Applied Amount

This is the applied credit facility amount in the credit application.

Guarantee Method

Guarantee Amount

This is the maximum amount that can be claimed under the guarantee provided, which represents the guarantor’s financial commitment.

Note: This is only applicable if the 'Guarantee Method' field is set to ' A - Absolute'

Guarantee Percentage

This is a financial commitment in which the guarantor guarantees a specific percentage of the debt.

Note: This is only applicable if the 'Guarantee Method' field is set to ' P - Percentage'

Signed Date

This refers to the date on which the guarantee document was signed, at which point the guarantor officially agrees to the terms and makes a legal commitment to fulfil the borrower’s obligations in the event of default.

Instrument Of Claim

This refers to the formal guarantee document that is used in guarantee transactions to ensure that a third party, often a bank, will fulfill the payment obligations if the borrower defaults on the contract.

Some of the options include 18 - Guarantee, 25 - Memorandum of deposit/charge or 10 - Assignment.

Guarantee Letter No.

This refer to reference number assigned to the signed guarantee letter.

Nature of Guarantee

Custody

This refers to the custodian of the guarantee, who maintains guarantee documents, assets, or securities safe to reduce the risk of theft or loss.

Tenant

This refers to the person or entity who resides in the rental property and is a signatory to the lease guarantee.

Category

Name

Doc. Cat.

Doc. Type

This is the name of the document to be uploaded or uploaded, e.g., Identity Card/ Passport, and Payslip.

File Name

This is the name of document file that has been uploaded to the credit application

Upload By

This is the User ID of the user who has uploaded the document file to the credit application.

Upload On

This is the date that the document file has been uploaded to the credit application.

Version No.

Income Expenses Summary

This table displays the computed indicators of the repayment capability of the individual applicant (main-holder) and guarantor, separately, e.g., Total Commitment (in base currency), and the Debt Service Ratio (DSR) in percentage.

Income Expenses Summary (Main and Guarantor)

This table displays the computed main indicators of the repayment capability of the individual applicant (main-holder) and guarantor, jointly, e.g., Total Commitment (in base currency).

Please Enter Search Value

This is the value to be used to search for credit applications. This is a search criteria data input field.

Note: If the value inputted into this field is relating to Reference No., Description, Preferred Collateral ID or or Customer Name, user can click the related criterion button, accordingly.

Reference No.

This is the search criteria button to be clicked once, in order for system to search and retrieve the relevant collateral records.

Note: Click on this button if the value inputted at the 'Please Enter Search Value' search criteria field is related to existing collateral records.

Description

This is the search criteria button to be clicked once, in order for system to search and retrieve the relevant collateral records.

Note: Click on this button if the value inputted at the 'Please Enter Search Value' search criteria field is related to existing collateral records.

Preferred Collateral ID

This is the search criteria button to be clicked once, in order for system to search and retrieve the relevant collateral records.

Note: Click on this button if the value inputted at the 'Please Enter Search Value' search criteria field is related to existing collateral records.

Customer Name

This is the search criteria button to be clicked once, in order for system to search and retrieve the relevant collateral records.

Note: Click on this button if the value inputted at the 'Please Enter Search Value' search criteria field is related to existing collateral records.

Reference No.

This is a system generated unique reference number of a particular collateral, which is pre-fixed with a collateral type code at the first and second digit, e.g., 01351 or 02351.

Description

This is the description of a collateral.

Preferred Collateral ID

Prefer Collateral ID is the preferred reference number maintained by user relating to a particular collateral.

Customer Name

This is the name of a customer in the system that is related to a particular collateral.

Type

Found?

This is the checkbox to indicate that the collateral item will be used as a collateral.

Ref. No

This is a system generated unique reference number of a particular collateral, which is pre-fixed with a collateral type code at the first and second digit, e.g., 01351 or 02351.

Description

This is the description of a collateral.

Security Value

This is the security value (in base currency) of the respective collateral that has been used to secure some credit facilities in system.

Type

From - To Period

This is the period range in a pricing rate tier, e.g., 1 to 999.

Rate Code

This is the code associated with an interest or profit rate applied on the credit facility.

Rate

This is the interest or profit rate applied on the credit facility.

Note: The value of this column can be either the base interest rate code, or the fixed interest rate code.

Margin Rate

This is the margin rate value above or below the applicable base rate applied to the credit facility.

For example 1: Marginal Rate Below

Base Rate : 5.00000 Margin Rate : -1.0000 Total Interest or Profit Rate : 5.00000+ (-1.00000) = 4.00000

For example 2: Marginal Rate Above

Base Rate : 5.00000 Margin Rate : 1.0000 Total Interest or Profit Rate : 5.00000+ (1.00000) = 6.00000

Total Rate

This is the total interest rate taking into consideration the value from the 'Rate' column and the 'Margin Rate' column.

Installment

Last Installment

This is the final repayment period’s repayment amount (in product currency) that is payable for the credit facility in the application.

Total Interest

This is the total amount (in product currency) of interest or profit charged throughout the credit facility tenure.

From - To Period

This is the period range in a pricing rate tier, e.g., 1 to 36 months.

Installment

This is the facility repayment amount (in product currency) that is payable by customer during each period range of the credit application.

Decision

This is the decision to revert a credit application to another credit application processing workflow stage for amendment, e.g., REWORK.

Rework to Stage

Remarks

This is the additional details relating to the reason to rework on the credit application.

Cancel/ Reject

Reason

Remarks

This is the additional comments or notes concerning the credit application’s cancellation, or rejection.

Decision

Reason Code

Remarks

This is the additional comments or notes concerning the recommendation.

Applied Product

This is the credit facility’s product code that the applicant is applying in the credit application.

Application Amount

This the applied credit facility amount (in product currency) in the credit application.

Approve Amount

This is the credit facility amount to be approved in the credit application.

Tenure

1st Instalment

Reason Code

Remarks

Approved Date

This is the 'actual' date the respective credit application has been approved.

Note: The default value of this field is the present system date, however user can backdate it.

Facility Expiry Date

This is the last validity date of the respective credit facility in the credit application.

<Applicant Name><ID No.>

This is the customer name of the applicant (main-holder), and the related customer identification number.

CA No.

This is the unique reference number of the credit application which is generated by system.

<Application Status>

Application Type

AA

This is the code of the approval authority that has performed approval (e.g., approved) on the credit application, and the date the approval was made.

Note: However, if the credit application has been automatically approved, the value that will be displayed in this field is 'AUTO_APPR'.

Cr. Score

This is the computed credit assessment score grade and related scores based on some risk methodologies pre-maintained.

Address

This the correspondence postal address of the credit application.

Contact

This is the designation name of en electronic mailbox that received and sent out messages, e.g., johnmh12@hotmail.com, or mobile telephone number for correspondence with the customer(s) in the credit application.

Others

This is the additional details concerning the credit application.

Facility No.

Product

This is the name of the applied credit facility’s product in the credit application.

Account No.

Repayment Type

This is the repayment pattern of the respective credit facility. Repayment type of each credit facility can be pre-maintained at the 'Product Maintenance' function, e.g., 'T - Installment.

Principal

This is the applied credit facility amount, or credit facility’s principal amount (in product currency) in the credit application.

Rate

This is the interest, or profit rate applied to the respective credit facility.

Interest

This is the total amount (in product currency) of interest or profit charged throughout the credit facility tenure.

Installment

This is the repayment amount (in product currency) that is payable for the credit facility on each repayment period, e.g., Monthly basis.

Final Payment

This is the final period’s repayment amount (in product currency) that is payable for the credit facility.

#Guarantor

This is the total number of guarantor(s) for the respective credit facility, e.g., 2.

Guarantor Reference No.

This is the Customer ID of each guarantor.

Name

This is the name of the guarantor.

Relationship

This is the relationship between the guarantor and the applicant.

Category

This is the category of the document to be downloaded, e.g., Letter of Offer.

File Name

This is the name of the document category, e.g., LOF.pdf.

Version No.

Remarks

CA No.

This is the unique reference number of the respective credit application which is generated by system, upon its creation.

Approved Date

This is the date the credit facility in the credit application has been granted.

LO Date

This is the date of the related letter of offer for the credit facility.

LO Sent Date

This is the date the related letter of offer for the credit facility has been sent to the applicant.

LO Expiry Date

This is the last validity date of the letter of offer for the credit facility to be accepted by the applicant.

Remarks

This is the comments or notations concerning the acceptance of the credit application, if applicable.

Product

This is the name of the respective applied credit facility’s product in the credit application.

Facility Status

This is the status of the credit facility, e.g.,'F - Fresh', in the credit application.

Ccy

This is the product currency.

Approved Amount

This is the credit facility amount granted by the bank or financial institution.

Account Number

Facility No.

This is the unique reference number generated by system for the respective credit facility in a credit application, upon the 1st time the credit has been saved with selected product and financing details.

Generate Account Number

Click once on this button to trigger the related credit facility account number generation.

Letter Offer (Signed) (Max 10 Files)

Cancel/ Reject

This is the decision action on the respective credit application, e.g., Cancel by Customer.

Reason Code

Remarks

This is the additional information concerning the credit application cancellation by customer.

Request Date

This is the date that an assistance request was made on a credit application.

Picked Up By

This is the User ID of the user who has picked up the 'assistance request' task to work on it.

Picked Up Date

This is the date that the 'assistance request' task has been picked up to be worked on.

CA No.

This is the unique reference number of the respective credit application of which assistance has been requested.

Name

This is the full name of the applicant (main-holder) in the respective credit application.

Current Stage

This is the present workflow stage of a credit application, e.g., My Draft.

Remarks

This is the comments or information of the respective 'assistance request' task.

Reclaim

This is the hyperlink to be clicked once, for user to take back the credit application of which assistance has been requested.

CA No.

This is the unique reference number of the respective credit application that can be requested for assistance.

Assigned User

This is the presently assigned user or the present user who has picked up and working on the task on the credit application of which assistance has been requested.

Name

This is the full name of the applicant (main-holder) of the respective credit application.

Current Stage

This is the present credit processing workflow stage of a credit application, e.g., My Draft.

Expected Due

This is the expected due date of the pending task in the respective credit application.

Assist Type

Remarks

This is the comments or information concerning the assistance request made on the respective credit application.

Reassign To

Request Date

This is the date that an assistance request was made on a credit application.

Owner

This is the User ID of the creator or assigned user at a certain workflow stage of a credit application, who has requested for the assistance.

Picked Up Date

This is the date that the credit application’s assistance request task, has been picked up by the other User ID.

CA No.

This is the unique reference number of the respective credit application of which assistance request has been made.

Name

This is the full name of the applicant (main-holder) of the respective credit application.

Current Stage

This is the present workflow stage of a credit application, e.g., My Draft.

Remarks

This is the comments or information concerning the credit application of which assistance has been requested.

Return

This is the hyperlink to be clicked once, to return the credit application to the 'owner'.