Complete Process flow for Credit Proposal on OCAS-Diganta

After completing all

ARO communicate with the ARO check eligibility of customer & RM will check the proposal and BDM will check the major areas of the
documentations & verification,
Customer customer & obtain all required check all documents, verify the complete the verification with his proposal and complete the verification & input
ARO will input his
needs fund for documents to start the process for authenticity then input data in the recommendation then forward the his final recommendation then forward the
recommendation and forward the
business loan proposal in the Diganta system with photographs of client's proposal to BDM through Diganta proposal to CRM Officer through Diganta
proposal to the RM through
System. business, home & guarantors etc. System System
Diganta System

CRM officer will now check

In case of PPG exception
CRM Officer will send the
proposal to Mr.Syed
Atiqur Rahman, AVP for
exception approval
system generated Sanction
advice of the approved proposal
and forward to CRM Approval
Mr. Syed Atiqur Authority.
Rahman, AVP will
Approve/ Decline the
exception and forward to
CRM Approval Authority.

If all documents are in order,

If all documents are in Mr. Syed Atiqur Rahman,
CRM Officer will receive If all documents are in
order the CRM Officer will AVP finally approve/ decline
the Proposal. Scrutinize order the CRM Approval
forward to CRM Approval the Appeal request
the proposal and complete Authority finally approve/
Authority with his
credit assessment. decline the proposal
recommendation

If all documents are not in

order the CRM Officer will
send back to ARO for If all documents are not in
complete all documentation. order the CRM Approval
Authority will send back to CRM Approval Authority
ARO then again forward the
ARO for complete all receive the Appeal request
proposal to CRM Officer.
documentation. ARO then If the Branch and complete his further
again forward the proposal to Don't agree with credit assessment then
CRM Approval Authority this decision they forward to HOMSME & Agri
can apply for
Appeal request. CRM Approval Authority finally 
execute the Sanction Advice
which will available on system
BDM recommend for for Branch & CAD.
Appeal with valid CRM Officer receive the
justifications Appeal request and
Branch will create a loan A/c complete his further credit
& complete the disbursement assessment then forward to
process. CRM Approval Authority 

Branch download the

Sanction Advice from the
CAD checks all security & system and complete the
Note: other related documents security documentation for
BDM= Branch Development Manager, and load the loan limit disbursement and send to
RM= Relationship Manager, favoring the customer. CAD, CO (through MISDB)
ARO= Assistant Relationship Officer. for limit loading.