Draft
Drafting origination Content
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In this step, you are required to declare and capture the attributes related to the client and current loan. This includes :
The client's physical address
Trusted family reference(s)
The client's occupation
An insurance beneficiary (optional)
The Commission Agent (optional)
The next step of the workflow only unlocks after capturing the required client information.
As seen in the screenshot below, the primary button indicates that the Address is the first requirement.
Allocating a commission agent
When creating a loan in Mobiloan, users can assign a Commission Agent and a corresponding Commission Rule to flag the loan for commission payouts.
The selected agent (e.g., Thabo Mokopane) will earn a commission based on the chosen rule (e.g., Rule 1). This ensures accurate tracking and calculation of commissions while maintaining transparency.
Ensure the correct agent and rule are selected before finalizing the loan, as this determines the commission structure applied.
Capturing an address using Google map -
The next xstep would be to input the client's address - simply enter teh address and capture the location on the Map - 0 please read up on the link below for more information
Client Marketing Permissions
This is a statutory requirement from the NCR, to gain consent to market your business?.
You will be able to easily enable or disable permission for Mobiloan to perform the following based on the loan application:
Adding References
After entering the client's address, you'll automatically be directed to the New Reference screen.
Here, you can easily add the contact details for up to two of the client's references, including their:
Relationship (e.g., Father-in-law, Neighbor)
First Name
Last Name
Cellphone Number
Adding a New Occupation
Once you've captured your client's references, if they're part of a employed/ worker category, you'll need to assign them an occupation.
This involves linking them to an employer, in which you may:
Select from the existing list of employers: Choose the employer from the employers dialog already in Mobiloan (if applicable).
If the occupation does not exist, select the "+" button in the top right corner to create a new employer for the client.
Whichever option you chose, you will be required to enter/ verify the occupation details, as shown below.
Employers are created in the Maintenance menu. For more information, see the link below:
Editing previously captured details
If you wish to edit/ modify a detail that's already captured , select the "Secondary Options" button and chose an attribute you wish to modify.
The next step - as seen by the screenshot below - is to perform a FIX Enquiry - should teh featire be enabled for your instance
For more informatoioon - select the link below
Client Due Diligence - FIC Enquiry
To continue with the origination process, you must first initiate a new FIC inquiry. This involves conducting a thorough Client Due Diligence assessment.
Note: This step is only mandatory if the FIC Enquiry Configuration settings are enabled.
Refer to the following section for detailed instructions on how to perform an FIC Screening and Client Due Diligence during Loan Origination.
The FIC Enquiry and Due Diligence Process consists of the following components :
Risk Assessment: Conduct a thorough analysis of the client's cooperation and behavior to assign a risk indicator (High = Poor, Low = Good).
Client Profiling: Ask the client relevant questions about their occupation and lifestyle to determine if they fall under the DPIP or FPPO categories.
TFS Checklist: Click the "TFS Checklist" button to initiate a real-time TFS list check against the FICA database.
See assessment dialog below to follow the process of a new FIC Enquiry
KYC - Question Guidelines
Consider the following questions when doing a risk assessment to determine the DPIP / FPPO Category:
Role-Based Questions:
"Are you currently holding or have you previously held a senior government position?"
"Are you a senior executive at a state-owned enterprise?"
"Do you hold a high-ranking position in any political party or international organization?"
Family and Close Associates:
"Are any of your close family members (e.g., spouse, parent, sibling) in a senior public role?"
"Do you have close business relationships with any prominent political or government figures?"
Timeframe and Recency:
"Have you held any senior public position within the last year?"
For more information on What DPIP / FPPO Individuals are, see below : UNDERSTANDING DPIP / FPPO
Should you find that the client is a DPIP individual, Mobiloan will require the following additional fields before doing the TFS Check (shown below)
Automatic Risk Assessment - Mobiloan's Internal Processes
Real-time Assessment: When you click the "TFS Checklist" button, Mobiloan will automatically perform a live screening of the client against the TFS List.
Customizable Risk Parameters: The Risk Level and Score are based of the user defined RMCP (Risk Management and Control Plan) settings. Refer to "RMCP" for more details.
A Client Due diligence report is automatically generated and stored on the client's profile in Mobiloan.
The 'Client and Cooperation & Behavior' section of the report is based on the Loan Originator's assessment. The remaining information is automatically populated from Mobiloan's database using the most recent client data.
FIC ENQUIRY EVALUATION
If the loan originator lacks the necessary permissions to perform a Client Due Diligence, the system will automatically request an evaluation from a qualified user.
The evaluator will be required to approve the FIC Enquiry before proceeding.
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