Commercial Loan Origination

Appraisal & Assessment – An Introduction

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)
• All analysis with respect to the customer is done as a part of this activity
• The basic inputs are derived from the
– Customer Information functionality. Recording sanction is the last event in this activity.
• The module should adequately support, taking basic inputs from the customer information file and
passing on the output to the loan module. (The modules names are only indicative )
• The method of assessment varies according to product types, e.g. corporate loans, retail loans,
agriculture loans etc.
– Thus the application should support defining the parameters for assessing applications for different
products

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 Commercial Loan Origination

Appraisal & Assessment Process Flow

• Appraisal and assessment is an activity before sanction of any credit product offering to the customer (including
loans, trade finance, etc)

Review &
Receive Capture Generate
seek
Application Details Application # Clarifications

Capture
Clarificatio
Appraisal Note
n Details
to Sanctioning
Authority

Seek
Create Customer
Yes Final Clarifications Yes
ID & Proceed to Approval
Loan Processing Approval from Customer /
S.A.
No No
Communicate Communicate
Reject ion with Reject ion with
reasons reasons

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 Commercial Loan Origination

Compute, Collect & Account Processing Fee

• Application Processing fee is calculated, recovered and accounted

• Application processing fee may be collected even for rejected applications, based on the individual bank’s
policy
• It can be parameterized to define variable rates as well as minimum and maximum for different types of loans
Seek
Yes Yes Create Customer
Clarifications Final
Approval ID & Proceed to
from Customer / Approval Loan Processing
S.A.
No No
Communicate Communicate Calculate , Collect
Reject ion with Reject ion with & Account
reasons reasons Processing Fee

Calculate, Collect Calculate, Collect

& Account & Account
Processing Fee Processing Fee

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 Seek
Create Customer Yes Yes
Final Clarifications
ID & Proceed to Approval
Loan Processing Approval from Customer /
S.A.

Communicate Communicate
Calculate , Collect Reject ion with Reject ion with
& Account reasons reasons
Processing Fee

Calculate, Collect Calculate, Collect

& Account & Account
Processing Fee Processing Fee

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 Commercial Loan Origination

Appraisal & Assessment:

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)

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 Commercial Loan Origination

Appraisal & Assessment:

Seek
Yes Create Customer
Clarifications Final
Approval ID & Proceed to
from Customer / Loan Processing Approval
S.A.
No No
Yes
Communicate Communicate
Reject ion with Calculate , Collect Reject ion with
reasons & Account reasons
Processing Fee

Calculate, Collect Calculate, Collect

& Account & Account
Processing Fee Processing Fee

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LEVERAGING INTELLECT
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INFOSYSTEMS
 Commercial Loan Origination

Appraisal & Assessment:

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)
• All analysis with respect to the customer is done as a part of this activity
• The basic inputs are derived from the
– Customer Information functionality. Recording sanction is the last event in this activity.
• The module should adequately support, taking basic inputs from the customer information file and
passing on the output to the loan module. (The modules names are only indicative )
• The method of assessment varies according to product types, e.g. corporate loans, retail loans,
agriculture loans etc.
– Thus the application should support defining the parameters for assessing applications for different
products

Confidential. © Nous Infosystems Pvt. Ltd.

LEVERAGING INTELLECT
NOUS
INFOSYSTEMS
 Commercial Loan Origination

Appraisal & Assessment:

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)
• All analysis with respect to the customer is done as a part of this activity
• The basic inputs are derived from the
– Customer Information functionality. Recording sanction is the last event in this activity.
• The module should adequately support, taking basic inputs from the customer information file and
passing on the output to the loan module. (The modules names are only indicative )
• The method of assessment varies according to product types, e.g. corporate loans, retail loans,
agriculture loans etc.
– Thus the application should support defining the parameters for assessing applications for different
products

Confidential. © Nous Infosystems Pvt. Ltd.

LEVERAGING INTELLECT
NOUS
INFOSYSTEMS
 Commercial Loan Origination

Appraisal & Assessment:

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)
• All analysis with respect to the customer is done as a part of this activity
• The basic inputs are derived from the
– Customer Information functionality. Recording sanction is the last event in this activity.
• The module should adequately support, taking basic inputs from the customer information file and
passing on the output to the loan module. (The modules names are only indicative )
• The method of assessment varies according to product types, e.g. corporate loans, retail loans,
agriculture loans etc.
– Thus the application should support defining the parameters for assessing applications for different
products

Confidential. © Nous Infosystems Pvt. Ltd.

LEVERAGING INTELLECT
NOUS
INFOSYSTEMS
 Commercial Loan Origination

Appraisal & Assessment:

• Appraisal and assessment is an activity before sanction of any credit product offering to the
customer (including loans, trade finance, etc)
• All analysis with respect to the customer is done as a part of this activity
• The basic inputs are derived from the
– Customer Information functionality. Recording sanction is the last event in this activity.
• The module should adequately support, taking basic inputs from the customer information file and
passing on the output to the loan module. (The modules names are only indicative )
• The method of assessment varies according to product types, e.g. corporate loans, retail loans,
agriculture loans etc.
– Thus the application should support defining the parameters for assessing applications for different
products

Confidential. © Nous Infosystems Pvt. Ltd.

LEVERAGING INTELLECT
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INFOSYSTEMS
Guidelines to be followed by Nous Consultants working for Commerzbank AG

Electronic information and communication systems

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• Should not download and install software on any systems of Commerzbank. Should not download,
transmit or store material which is of offensive nature (pornographic, terrorist, criminal or racist
content) that will expose Commerzbank to a civil or criminal proceedings.
• Should not illegally access internal or external systems.
• Should not use internet to modify, damage or destroy data, software or hardware. Should not spread
viruses, worms, trojans.
• Should not falsify or misrepresent the content, addresses of messages, documents transmitted via
internal or external networks.
• Must not indulge in any criminal activities. Must not pass on, make any accessible passwords or
authentication tools to unauthorised persons.
• Should not transfer any confidential data to anyone outside Commerzbank even if the data is not
marked as ‘confidential.’
• Should not send chain letters or mails to internal or external users.
• Should not set up or maintain unauthorised connections to internet or any other external networks.
• Should not set up automatic forwarding of emails (e.g. when the recipient is absent) to external
addresses (e.g. the user's private email address), or to internal addresses via external networks.
Please Note:
Please note that violations of these guidelines will have disciplinary and legal consequences against
you as well as against Nous. Hence, in case of any doubts, queries and concerns relating to
following these guidelines, contact your Manager before going ahead.

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