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SYSTEMS DEVELOPMENT

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by

Francis Factolerin

on 19 February 2014

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Transcript of SYSTEMS DEVELOPMENT

SYSTEMS DEVELOPMENT
LOANS
EXECUTIVE
SUMMARY

CASE
DIAGRAM

SYSTEM
PROBLEMS

United Coconut Planters Bank (UCPB)
The slow and tedious processing of loans is brought by these factors:
CHANNEL MISMANAGEMENT
RECOMMENDATION
PLAN OF
ACTION

GOALS & OBJECTIVES
FEASIBILITY
GOAL:
An automated home loan processing system with
maximum efficiency and effectiveness
OBJECTIVES:
to create a home loan processing system in line with the UCPB's vision for the benefits of the different stakeholders and clients

to maximize UCPB's available resources in creating a home loan processing system in the shortest possible time frame

to minimize the cost that can be incurred in creating and maintaining a home loan processing system

to ensure the consistency of the home loan processing system through continuous research and development and constant consideration of user's feedback and concern
MANUAL LOANING SYSTEM
Technical


Economic
Legal
Operational
Schedule

BENEFITS

AUTOMATED
HOME LOAN

Processing System
CLIENT
CREDIT OFFICER

CREDIT INVESTIGATOR
APPLICATION
1.
Product Relations Manager
2.
SUBMISSION
CREDIT
INVESTIGATION
3.
MATCHING OF INFORMATION
4.
CLIENTS
LOAN DOCUMENT SPECIALIST
5.
PREPARATION OF LOAN DOCUMENTS
6.
SIGNING OF LOAN
DOCUMENTS
Product Relations Manager
7.
REVIEWING OF DOCUMENTS
BOOKING OF ACCOUNTS
LOAN DOCUMENT SPECIALIST
8.
9.
ACCOUNTING
RELEASING OF THE LOAN
AUTOMATED
HOME LOAN

Processing System
From:
JANUARY 2014
To:
JUNE 2014
SYSTEM FEATURES
Data File Management
Unmatched Information
Detector
Mini Social Media
Payment Tabulator
EXISTING
Home Loan
Processing System
COSTS

Timely processing of loans

Less burden for the staffs

Cost efficient

Ample space for important documents
CLIENT
AGENT
PRODUCT OFFICER

PRODUCT ASSISTANT
CREDIT INVESTIGATOR
CREDIT OFFICER
PRODUCT ASSISTANT
PRODUCT ASSISTANT
Loan Document Specialist
CLIENT
PRODUCT ASSISTANT
Loan Document Specialist
ACCOUNTING
PRODUCT ASSISTANT
CLIENT
Internet Connection

Php 999
...................
Labor,
Computer units & other equipments, and
Utilities
...................
Php 100,000
Policies:
EXISTING
Home Loan
1.
Properties to be acquired:
House and Lot / Condominium unit of your choice
UCPB accredited developers and projects
2.
Compliance of all the requirements
Qualifications:
Employed for the last 12 months with a minimum gross monthly income of Php 300,000
Have been in the business for 3 years
Required Documents:
*
Information on Personal Data and Income
- Duly accomplished loan application form and I.D. of all borrowers/ signatories
- Marriage contract
- Latest Utility Billing Statement
For employed:
- Borrower's Latest Income Tax Report (ITR)
- Certificate of Employment (COE), indicating Salary,
Position, and Length of service
- Original Payslip for the last 3 months

- Photocopy of Government-issued IDs
(affix 3 specimen of signatures on the photocopy)
For OFWs:
- Certificate of Employment (COE) duly authenticated by Philippine Consulate

- Crew Contract & Exit Pass validated by POEA (for Seamen)

- Payslips for the last 3 months

- Notarized or authenticated Special Power of Attorney (UCPB prescribed format)

For Self-Employed:
- Articles of Incorporation / By-laws / SEC Registration / DTI Registration

- Audited Financial Statements and ITR for the last 3 years
- Bank Statements for the past 6 months

- List of Trade References (at least 3 names with telephone numbers of major suppliers/customers)

*
Information on Collateral Property
*
If Loan is for construction / renovation:
- Building Plans and Specifications

- Bill of Materials
*
If Loan is for refinancing:
- Statement of account from
the creditor/mortgagor

- Official receipts of cleared
checks for 1 year

3.
Consistency of Loan Information
The Loan documents are being verified by the Credit Investigator if it is true and valid
4.
Comply with Anti-Money Laundering Act of 2001
(RA 9160) requirements.
It is an act declaring the policy of the State
to protect and preserve the integrity and confidentiality of bank accounts and to ensure that the Philippines shall not be used as a money laundering site for the proceeds of any unlawful activity.

MONEY LAUNDERING
OFFENSE
It is a crime whereby the proceeds of an unlawful activity are transacted; thereby making them appear to have originated from legitimate sources.
6.
Must be naturally born Filipinos
Exceptions:
- Expats or those foreigners that are now considered as Filipino citizens.

- Foreigner with a Filipino spouse, given that Filipino spouse will be the main benefactor of the loans.

7.
Must have the capacity to pay
5
C
s are being consider:
C
haracteristic
C
ollateral
C
redit
C
apacity
C
ondition
8.
Clean Financial Records
The applicants should not have a past due loans
APPLICATION
Policies
PAYMENT
Policies

The minimum loanable amount is Php 500,000.00

1.
How much can I borrow?
2.
How long is the long term
- The maximum loan term is 20 years for construction and acquisition of house and lot, townhouses and condominium units.

- The maximum loan term is 15 years for refinancing, multi-purpose loans and acquisition of vacant lots.
3.
How can I pay for my UCPB Home Loan?
- Enroll your accounts to UCPB Connect

- Issue post-dated checks

- Enroll your UCPB account for Automatic Debit
Arrangement
ORACLE
Flexcube Lending and Leasing
(L51197 SIEBEL CRM INTEGRATION PACK)
KEY FEATURES
- Centralized and decentralized
deployment

- Dynamic logical partitioning

- Application server and
database clustering

- RAID 1+0 disk failover
support

- Disaster recovery
KEY BENEFITS
- Leverage a decentralized
deployment model to support
offline transactions and
expansion into areas with
network instability.

- Minimize maintenance costs
and increase security through
a centralized deployment
model.

- Ensure a seamless
performance with native load
balancing and backup and
recovery support.

- Use logical partitioning to
minimize maintenance and
power consumption.
COST:
PHP 917, 203.54
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