The overview/CA face module is designed to provide an aggregated and concise view of the data captured in multiple modules within a package/credit proposal during the review process. It enables reviewers to access crucial information for decision-making and facilitates ease of review by eliminating the need to navigate across multiple modules.

The Facilities within the LOS facilitates the management of credit facilities being proposed for approval or making amendments to the already approved existing facilities. It allows for the creation, modification, and tracking of different types of loan facilities, such as term loans, lines of credit, or overdrafts.

The Collaterals module within the LOS facilitates the management of the collaterals / securities that shall be shared by the obligor. It allows for the creation, modification, and tracking of different types of collaterals.

The facility coverage module within the LOS facilitates the management of facilities and their associated collaterals / securities providing coverage to these facilities.

The Documentation module allows users to manage the documentation process associated with loan origination. It provides functionality for generating, storing, and organizing loan-related documents, such as application forms, credit agreements, legal contracts, and other supporting documents. The module supports document versioning and secure storage, ensuring compliance and efficient record-keeping.

The Covenants/Conditions module enables the management and monitoring of loan covenants and conditions. Covenants are predefined requirements that obligors must fulfill during the loan term, such as maintaining certain financial ratios or providing periodic reporting.

The Policies and Exceptions module within the LOS enables the users to review the list of pre-configured policies populated for an obligor. The module also facilitates the management of exceptions to policy rules, allowing authorized personnel to review and approve deviations from standard policies when necessary.

The Risk Rating module provides comprehensive risk assessment capabilities for evaluating obligors and loan applications. It includes various risk rating methodologies, such as the Obligor Risk Rating (ORR), Facility Risk Rating (FRR), Environmental and Social Risk Rating (ESRR), etc.

The Financials module allows for the capture, analysis, and reporting of financial data related to loan origination. It provides functionality to capture financial statements, perform variance analysis against historical data, and conduct peer group analysis to benchmark obligor financials. This module aids in credit underwriting and decision-making by providing insights into the financial health and performance of obligors.

The History module is designed to maintain a record of the activities and changes that occur during the review and decision-making process. It consists of several sub-modules that capture different aspects of the case history.

The LOS includes functionalities to support post-approval credit administration activities. This includes the management of loan disbursements, tracking repayment schedules, processing fee calculations, and managing loan amendments or extensions. The system automates these administrative tasks, reducing manual effort and ensuring accuracy in loan servicing.

In addition to the functionalities mentioned earlier, a Loan Origination System (LOS) can include features related to internal limit / regulatory limits monitoring of benchmarks and notifications. The LOS provides monitoring and notification capabilities to ensure timely actions and compliance.

The LOS provides reporting and analytics capabilities to generate meaningful insights and support data-driven decision-making. Reporting functionalities related to benchmark monitoring and compliance can be included in the LOS. These reporting features enable the generation of comprehensive reports for regulatory purposes.