los-aau proposal ver1

8/4/2019 Los-Aau Proposal Ver1

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PROPOSAL

Creation of Loan Origination

System (LOS) Application

Administration Unit (AAU) at

FUSG

PROPOSAL

Creation of Loan Origination

System (LOS) Application

Administration Unit (AAU) at

FUSG

OASC Presentation

June 11, 2010



ADBS

1. What is Loan Origination System

2. Objectives of the Proposed Creation of LOS-AAU

5. Initial Staff Composition of Proposed LOS-AAU

6. Existing Set-Up vis-à-vis Proposed Set-Up

4. Organizational Chart of FUSG (Existing and Proposed

Set-up)

7. How the Proposed LOS-AAU differed from anordinary System Administrator of other Application

Systems.

8. Advantages of the Proposed Set-Up

3. LOS-AAU Functions



ADBS

• EXPEDITE SCREENING OF LOAN BORROWERS (aided by

internal database verification, on-line link to credit

information, frontline facility to test credit risk criteria

compliance and quick credit scoring)

LOAN ORIGINATION (LOS) SystemLOAN ORIGINATION (LOS) System

The LOS is an automated system sponsored by ADBS aimed to:

• ENABLE SIMULTANEOUS REVIEW OF LOAN

PROPOSALS (thru on-line accessibility of loan applications

from front-liners to HO approving authorities)

• PROVIDE EFFECTIVE CREDIT MONITORING AND

SUPERVISION (via automated credit supervision and control

checklists, ticklers and instructions)



ADBS

Objectives/Rationale of the Proposed

Creation of the LOS-AAU

Objectives/Rationale of the Proposed


To ensure smooth implementation of the Loan OriginationSystem (LOS)

• LOS is a highly-parameterized credit processing

system that will require constant updating of the

maintainable common codes defined in the system

• Definition of credit officer’s (loan approving groups)

approval limits is complicated in LOS and needs to

be done on a per individual basis



ADBS

LOS-AAU FUNCTIONSLOS-AAU FUNCTIONS

APPLICATION ADMINISTRATION

• First line of support for LOS system users thru:

- telephone assistance

- incident reports handling- recommend system enhancements, if applicable

• Ensure that credit policies are translated into LOS

parameters

• Preparation and implementation of LOS security matrix



ADBS

LOS-AAU FUNCTIONSLOS-AAU FUNCTIONS

• Conduct LOS training for system users

• Issue advisories and bulletins in handling system

problems/work-around procedures

USER ADMINISTRATION *

• Handle enrollment, deletion, and reactivation of

authorized users ID

* To be proposed to LOS Project Steering Committee. Function is now with SID.


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Field Units Support Group ( FUSG)

MIS & PlanningSupport Department

(MPSD)

MIS &Performance

EvaluationUnit(MPEU)

Executive Assistant

Planning &GP Awards

SupportUnit(PGASU)

DomesticBanking

LoansCommittee(DBLC)

Secretariat

Systems ImplementationDepartment

(SID)

Field OperationsSupport Department

(FOSD)

FieldOperations

SupportUnit I(FOSU I)

FieldOperations

SupportUnit II(FOSU II)

ProjectDevelopment

Unit(PDU)

SystemsSupport

Unit I(SSU I)

SystemsSupport

Unit II(SSU II)

InformationSecurity

Admin.Unit(ISAU)

ORGANIZATIONAL CHART Field Unit Support Group (FUSG) Existing Set-Up

ORGANIZATIONAL CHART Field Unit Support Group (FUSG) Existing Set-Up


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MIS & Planning

Support Department(MPSD)

MIS &PerformanceEvaluation

Unit(MPEU)

Executive Assistant

Planning &GP Awards

SupportUnit

(PGPSU)

LendingOperationsSupport

Unit(LOSU)

Systems Implementation

Department(SID)

Field Operations

Support Department(FOSD)

FieldOperations

SupportUnit I

(FOSU I)

FieldOperationsSupport

Unit II(FOSU II)

ProjectDevelopment

Unit(PDU)

SystemsSupport

Unit I(SSU I)

SystemsSupportUnit II

(SSU II)

InformationSecurityAdmin.

Unit(ISAU)

ORGANIZATIONAL CHART Field Unit Support Group (FUSG) Proposed Set-Up - 1


DomesticBankingLoans

Committee

(DBLC)Secretariat

Applica-tion

Adminis-tration

UserAdminis-tration



ADBS


MIS & PlanningSupport Department

(MPSD)

MIS &PerformanceEvaluation

Unit(MPEU)

Executive Assistant

Planning &GP Awards

Support

Unit(PGPSU)

Systems Implementation

Department (SID)

Field OperationsSupport Department

(FOSD)

FieldOperations

SupportUnit I(FOSU I)

FieldOperations

SupportUnit II(FOSU II)

ProjectDevelop-

ment

Unit(PDU)

SystemsSupport

Unit I(SSU I)

SystemsSupport

Unit II(SSU II)

Informa-tion

SecurityAdmin.Unit

(ISAU)



Lending OperationsSupport Unit

(LOSU)

DomesticBankingLoans

Committee(DBLC)

Secretariat

Applica-tion

Adminis-tration

UserAdminis-

tration



ADBS

ORGANIZATIONAL CHART Proposed Lending Operations Support Unit (LOSU)

ORGANIZATIONAL CHART Proposed Lending Operations Support Unit (LOSU)

HEAD – LOSU

Domestic BankingLoans Committee(DBLC) Secretariat

UserAdministration

ApplicationAdministration



ADBS

Initial Staff Composition for the Proposed


Initial Staff Composition for the Proposed


AAU Supervisor One (1) Position ItemMinimum Pay Grade (PG) 9

QS Equivalent to PG 9 AccountOfficer (AO)

AAU Maker/CheckerTwo (2) Position ItemsPay Grade (PG)6

QS equivalent to PG 6 Account Assistant (AA)

• Proposed staff composition must be an existing Account Officer with

credit exposure preferably part of the existing LOS Project Team.

• Annual compensation of the 3 additional staffers is estimated at P1.6M.



ADBS

Existing Set-up vis-à-vis Proposed Set-upExisting Set-up vis-à-vis Proposed Set-up

• Handles DBLC Secretariat

• Team Leader, Application Admin Support

Team, Loan Origination System Project

Existing set-up

• Existing Functions plus LOS-AAUFunctions

Proposed set-up



ADBS

HOW THE PROPOSED LOS-AAU DIFFERS FROM AN ORDINARY

SYSTEMS ADMINISTRATOR OF OTHER APPLICATION SYSTEMS

HOW THE PROPOSED LOS-AAU DIFFERS FROM AN ORDINARY

SYSTEMS ADMINISTRATOR OF OTHER APPLICATION SYSTEMS

PARTICULARS LOS OTHER APPLICATIONSYSTEM

Functionality LOS automates loan processing fromborrower’s loan application to approval. Itfacilitates screening of borrower’scapacity based on the Bank’s criteria. Italso facilitates CFP preparation using

existing parameters defined by the LOS- AAU.

Parameter set-up will be a continuing daily activity of AAU, unlike in accounting system (e.g., approval authorities of system users)

Symbols – accountingsystem that serves asloan subsidiary ledger;only approved loans areinputted in the system

Parameter Changes

LOS is highly parameterized that anychanges or instructions in DBLC andILEC may need immediate updating of common codes in the system.



ADBS

Advantages of the Proposed Set-Up Advantages of the Proposed Set-Up

•Lending Operations Support Unit (LOSU), being thesecretariat of DBLC, is well-informed on loan proposals

deliberated in DBLC. They can validate/tract the actual

loan status against what is on the system

• LOSU is also aware of the changes in credit policies andcan translate these policies into parameters defined in

LOC

• LOSU will serve as first line of support to guide LOSsystem users in relation to the use of the system and

applicability of credit policies



For your consideration and

approval. Thank you.

los-aau proposal ver1

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