Professional Documents
Culture Documents
A. Credit Approvals
Click on any of the following tasks or background information for more information.
The Credit Approval Process How to Select Signers How to Add Comments before How to Reinstate a
Approving a Workflow Workflow
The Email Approval Process How to Change the Order in Approving Credit Approvals How to Cancel a
which Signers Approve a Workflow
Workflow
How to Create a Credit Approval Forms Library Returning the Credit Approval Attaching
for Rework Option Documents to a CA
Components of a Credit Approval Submitting CAs for Approval Not Approving a Workflow
Option
Type of Credit
Approval Description
Initial Created by the Relationship Manager (RM) or an Analyst for a new
customer. Typically the new customer is loaded into CRI from the
source credit system (RAPID, CACLS, or CRMS). However, due to
normal processing delays, it is possible that this data could be
unavailable. If this happens, the CRMS team can create a temporary
customer for the RM/Analyst to start work on the CA.
Annual Performed on a predetermined basis and is initiated automatically
Review CA by CRI based on predefined parameters set up in the Entity and
Customer Profile. Users can also create the Annual Review CA
manually on the system.
Interim Created by the RM/Analyst whenever a change in credit facilities is
required.
Extension Created by the RM/Analyst whenever the time period of approved
credit limit needs to be extended. The Extension CA can also be
initiated automatically by CRI based on predefined parameters set
up in the Entity Profile.
In Analysis
The following activities take place during the In Analysis phase.
In Roundtable
The following activities take place during the In Roundtable phase (not mandatory for all CA
workflows).
CA Facilities, Security and Collateral Image (imported from Source Credit System, and
linked to the CA workflow (CA Components Checklist)
2. Signers can be selected by either CRMS or the RM/Analyst based on predefined rules.
3. CRMS then returns the CA to the author (RM/Analyst), who moves the CA to the next stage
—In Package Preparation-Pending Submission
4. If the CA is returned to the Pending Source Credit System Entries stage again for more changes
in the Source Credit System, CRMS can delete and prepare a new CA Face in the Source
Credit System.
1. Once the CA package preparation is finalized, the RM/Analyst may submit the CA for
approval.
2. CRI validates the completeness of the workflow and the adequate number and level of the
signers prior to submitting the workflow for approval.
In Approval
When the workflow is in the In Approval phase, The CA is forwarded to selected signers for
Approval. This can be performed online through CRI or through email.
From: CRI.approvals@gcstudio.ssmb.com
Sent: Thursday, August 31, 2006 9:44 AM
To: Tan, Charlene C [CIB]; Sundaresan, Girish K
Subject: Approval requested for Credit Approval Interim – XYZ <key=CRI.11569886615771108792872>
If you wish to take action on this approval request via email, and the message has been addressed to you*,
please reply to this email by "initiating" the reply with any of the below, followed by your comments and /or
attachments in AN IMMEDIATE SEPARATE LINE.
APP or APPROVE
RFI or REQUEST FURTHER INFO
RFR or RETURN FOR REWORK
CAPP or CONDITIONAL APPROVAL followed by CRMS, RM/AN or BOTH
NAPP or NOT APPROVED
PLEASE DO NOT EDIT THE SUBJECT LINE.
Note: * If you are in the Cc list. Please do not reply to this mail.
CAUTION: Comments directly on the e-mail body should be restricted to a page (@ 3800 characters);
otherwise, there is a risk they will be truncated. If you require more than that, please attach a file with your
comments to the email.
4. Click Reply or Reply All from MS Outlook, Blackberry, or Citi Web Client. Ensure that you
are replying to the original system-generated email request with a key followed by a string of
numbers in the subject line.
Note: Signers must not modify the subject of the original email when replying. Signers must enter the decision code
in the exact predefined format.
5. Type your decision code (refer to Decision Codes) exactly as described.
6. Include comments on the line after the decision code. (optional)
Note: Comments that you enter directly in the email body should be restricted to 3800 characters otherwise there is
a risk they will be truncated. If your comments exceed the text limit, save your comments in a separate file
and include as an attachment to the email.
7. Include attachments, if so desired.
8. Click Send. You will receive an email from Grand Central. This is an acknowledgement that
the system has received your email. You should await another email from CRI that indicates
whether the approval action has been processed successfully.
SAMPLE EMAIL REPLY
11.
15.
16. The signer’s approval decision, together with any comments or attachments, is updated in the
Signer Information section of the workflow.
17. If the email approval is unsuccessful because of any potential errors (refer to Potential Email
Approval Errors), CRI does not process the email and you will receive the following email:
From: cri.helpdesk@citigroup.com [mailto:cri.helpdesk@citigroup.com]
Sent: Thursday, September 07, 2006 11:29 AM
To: Tan, Charlene C [CIB]
18. Subject: Error occurred while processing E-mail approval request
Dear Sender,
19.
The requested action could not be taken because an error occurred while processing your mail "Approval
20. requested for Credit Approval Interim – XYZ <key=CRI.11569886615771108792872>" Following may be the reason
for the error:
21. You are not a valid approver for this Approval request mail.
Thank You
If you need further assistance, please call CRI helpdesk.
This is a system-generated notification; please do not reply to it.
22.
23.
24.
Decision Codes
For this CRI Use this Decision Code for What This Means
Approval Decision Email Approval
Approve APP or APPROVE CRI marks the workflow status
as Approved by the signer.
Request Further RFI or REQUEST CRI saves the remarks and
Information FURTHER INFO attachments. CRI notifies the
submitter, RM/Analysts, and all
signers of the request. The
submitter/RM/Analyst must
respond to the signer’s request
through CRI.
Conditional If the conditional approval is to CRI marks the workflow signer
Approval be confirmed/followed up by status as conditionally approved. CRI
the RM or Analyst: CAPP notifies RM/Analysts. CRMS, and other
RM/AN or CONDITIONAL signers of the request. The appropriate
APPROVAL RM/AN party (CRMS or RM/Analyst) must
If the conditional approval is to confirm the conditional approval
be confirmed/followed up by through CRI.
CRMS: CAPP CRMS or
CONDITIONAL APPROVAL
CRMS
If the conditional approval is to
be confirmed/followed up by
both RM/Analyst & CRMS:
CAPP BOTH or
CONDITIONAL APPROVAL
BOTH
Return for RFR or RETURN FOR The workflow returns to the
Rework REWORK stage prior to In Approval for
rework and resubmission. All
other approvals are cancelled
by this action. CRI notifies the
submitter, RM/Analysts, and
other signers.
Not Approved NAPP or NOT The workflow returns to the
APPROVED stage prior to In Approval for
rework or for cancellation as
requested by the signer. All
other approvals are cancelled
by this action. CRI notifies the
submitter, RM/Analysts, and
other signers.
Potential Email Approval Errors
The following table provides the meaning of errors that may occur after the signer replies to an
email approval request. If any error should occur, CRI does not process the email and sends the
signer an error mail notification.
Reason for an
Unsuccessful Email
Approval Description
Wrong Subject Format You modified the subject of the original Approval Request
email. Do not modify the subject when replying to an
Approval request.
Wrong Format of email You specified an incorrect Decision Code in the first line of
body your email reply.
Sender is not a valid You are not a valid approver for this Approval Request.
signer
Multiple mails for other You cannot perform any action for this workflow because you
actions from same sender have already performed one of the following actions of the
workflow:
APPROVE
RETURN FOR REWORK
CONDITIONAL APPROVAL
NOT APPROVED
Approval mail comes The workflow is currently not in the In Approval stage and
after the workflow has cannot be processed. The workflow may have been returned
already moved from the for rework to the RM/Analyst for resubmission.
In Approval stage
Inactivated signer Your profile in CRI has been deactivated, so that you are no
longer allowed to take any action on the workflow.
Sender removed from You have been removed as a signer from the signer list.
signer list
Sender moved to a higher You have been moved to a higher tier in the signer list.
tier in the signer list
Special characters in the If an attachment is included in the approval email, and the
filename of an filename of the attachment contains special characters (such as
attachment are included currency symbols), the approval is not processed due to
in the email approval technical constraints.
Approved
The following activities occur during the Approval phase.
1. After a CA is approved, no changes can be made to the CA workflow. The CA enters the
CRMS To Do List.
2. If additional Signers are required, CRMS can resubmit the CA to these newly added Signers.
Once the CA is approved, CRMS then completes the CA.
3. The CA package is automatically lodged into the Customer File and notifications are sent to
selected Ccs.
Annual Reviews are created automatically by CRI xx number of days before the review
date and are available in the To Do List (where xx is the parameter maintained in the
Entity Profile for the entity to which the customer belongs).
List of customers associated with the user via the user’s Primary Entity
Search facility that enables you to search for a customer using Entities to which a user is
associated (further filterable by Country/ies within the Entity), Customer Name, Customer
ID, GFCID, or Customer Type (Group, Individual or Subsidiary)
6. Click the name of the customer to display on the CA screen.
7. Click Save. A work item is created in the To Do list of every Analyst / RM (including
backups) associated with that customer.
Buttons
Button Description
Save Saves the workflow
Top Helps navigate to the header section of the template from any
other section
Last Approved CA Displays the last approved CA of the customer (if it exits in CRI)
Line Utilization Displays the Line Utilization report for the customer
Select Subsidiaries Displays a new window that enables a user to select subsidiaries to
include in the CA for separate attachment of documents
Forward to
Forwards the workflow to CRMS
CRMS
Allows for the selection of users to be notified when the CA is Approved and
Cc
Completed
Select
Allows the selection of signers
Signers
Closes the workflow (CRI checks if any changes should be saved or discarded,
Close
before closing the window).
Cancel Cancels the workflow and provides an option to either save the cancelled
Workflow workflow in the Customer File or discard it completely.
Offline
Review Through the Offline Review, Signers can download CA components including
(available the CA template and Signers’ comments to their C drive for reviewing offline,
only when without saving each sequentially. Additionally, the Download All feature in
CA is In Offline Review auto-zips all the files and saves it to your desktop.
Approval)
Field Description
Customer
Name of the customer
Name
Proposed Value is copied from the attached CA Face during the Pending Source
CFA Credit System Entries stage.
Proposed
Value is copied from the attached CA Face during the Pending Source
Next Review
Credit System Entries stage.
Date
CA Type Initial
Annual Review
Interim
Extension
Extension Displayed only for Extension CA. It is the extension date or
Date Extension Expiration Date.
Purpose
After the CA Face is attached, the Purpose is copied from the relevant section of the CA Face and
displayed in the Purpose box at the beginning of the workflow. You can change the purpose in
the Pending Submission phase.
Navigation Links
The navigation links are shortcuts to the various sections of the workflow.
Facility Summary
The Facility Summary Proposal section contains information about Existing and Proposed credit
limit for Facilities. The Proposed values are an approximation, which help determine whether the
CA requires a Roundtable.
The Existing Facilities must originate from an Approved CA in the Source Credit System, not a
Cancelled, Declined, etc. Also, the Existing values remain frozen at the point of creation and do
not refresh until a new CA is created in CRI.
You can enter a Proposed value and the Change value is calculated automatically (or you can enter
a Change value and the Proposed value is calculated automatically). The Change value is the
difference between the corresponding Existing and Proposed values. At least one of the Proposed
or Changed boxes requires input. Proposed values are editable during the In Analysis and Pending
Source Credit System Entries stages.
Under this section, there is a list of questions for the RM/Analyst to answer. These questions are
customizable and can be included within the CA (or any other workflow) at the Entity level.
These questions are maintained by CRMS in the Entity Profile. The text box next to the question
enables you to enter comments (accepts up to 100 characters). Answers to questions (YES, NO,
N/A) can be configured to alert the RM and CRMS during the workflow process. This alert is
provided through message prompts and by highlighting the questions in red.
Facility Instructions
Communication with CRMS—The CA is asked Specific Exception questions, which require
answers by radio buttons. These are highlighted to CRMS in the Pending Source Credit System
Entries stage:
You may need to prepare documents using templates from the Forms Library (e.g. CA
Remarks). You will have to first download the template to your computer. Select the
appropriate template from the selection list and click Download. After completing work
on the template, you may then attach the document to the CA using option 2 or 3 below.
To attach a document from the Customer File, click Attach from Customer File. CRI
prompts for the default Category/Tab/Sub-Tab. You can select other Category/Tabs/Sub-
Tabs if required.
You can attach single or multiple documents to the workflow by clicking Attach Local
File or Attach Multiple Local Files. For a CA, the Attach Multiple Local Files feature
allows multiple documents (up to 10 at a time) to be attached to one or more CA
component at any one time. This eliminates the need to wait for the CA main screen to
refresh after attaching a single document. After clicking Attach Multiple Local Files,
complete the following actions:
Select the CA Component – Industry Information, for example.
Click Browse to select documents from your computer.
Click Add to add the files to the Industry Information component at the bottom of
the screen.
Repeat the last two actions to add more documents.
Then select another CA Component, for example, Term Loan Checklist.
Click Browse and add the files to the Term Loan Checklist component.
Click Attach Files. The screen refreshes and your documents are attached to the
Industry Information and Term Loan Checklist components.
All attachments are displayed as hyperlinks. If a document has been read, the link is displayed in
purple; if unread, the link is displayed in blue. Most importantly, the system tracks which
documents have been read over multiple sessions.
You can attach or download attachments by checking the box beside the document and clicking
the respective button. CRI records an audit trail of the attachments made by clicking View
Attachment Details at the bottom of the screen.
When the CA is submitted for Approval or automatically lodged in the Customer File, CRI
automatically binds all CA attachments into the required format for easier viewing. Any
attachments made by the RM/Analyst are packaged into a single screen and can be accessed,
downloaded, and reviewed easily. The Download All feature automatically zips the files and
saves it onto your desktop.
Viewing Attachments in Two Windows: With the first document opened, signers can open up a
second document in a separate window thus allowing simultaneous viewing of both
documents.
Viewing Attachments in a Split Window: This option allows reviewing two documents
simultaneously side by side.
All attachments made to the CA or other workflows from the local drive are automatically lodged
into their appropriate pre-selected Category/Tab/Sub-tab when CRMS clicks Complete. If no
Category/Tab/Sub-Tab has been selected, the workflow is positioned in the default
Category/Tab/Sub-Tab.
Note the following logic on how the attachment(s) of the completed workflow are lodged into the Customer File.
Attachment from Local Drive: If the attachment is made from the local drive, this is always
lodged into the pre-selected Category/Tab/Sub-tab in the Customer File based on the
Component to which the document is attached in the CA. This logic remains even though
there may already be an existing file (same document) in that Sub-tab.
Attachment from Customer File (auto-lodged or manually lodged): If the attachment is made from
the Customer File, CRI does not create another copy of the attached file after completion of the
workflow. This logic holds remains even if the attachment was made from a different
category/tab/sub-tab.
8. Click Select Subsidiary in the CA workflows to include a Subsidiary as a link in the CA.
Clicking the Subsidiary link displays a list of CA Components for that subsidiary. You can
include attachments to individual Subsidiaries as required.
9. To include attachments for the Subsidiaries, click Attach Multiple Local Files in the Group
CA.
10. Submit the CA for approval. When you submit the CA for approval, the CA Components
section displays the Group documents followed by the Subsidiaries. After the CA is
completed, the attachment(s) are stored in the customer file(s) of the selected Subsidiaries.
CA Face
This information is attached from the Source Credit System.
Message to Singers
You can modify Message to Signers anytime prior to submission. Text that you enter becomes the
content of the notification that is sent to signers when the workflow is submitted for approval.
Signer Information
Details of the selected Signers such as Name, Approving Authority, Approval Status, Date/Time
of approval are displayed here. The submitter is also included in this section once the workflow is
submitted for approval. (If the submitter is a Credit Committee member, Approved is displayed
under the Approval Status column. If the submitter is not a Credit Committee member, Submitted
By is displayed instead.)
When a workflow is In Approval, RM/CRMS may refer to this section. It displays actions that have
been taken by signers as well as signers’ comments (if any).
The free-format box under the Signer’s name is editable by the RM/Analyst, CRMS, and Signers
to enter remarks such as “Cross Border”, “Split Risk”, “Settlement Risk” or “Clearing Risk”
because they may be approving a particular facility and not the whole CA package.
Follow-Up Items
Create: The ability to create Follow-Up items is available to the RM, Analyst, CRMS and
Signer.
Due: All created items are listed here. These items are due in the future.
Past Due: List of items that are overdue.
Completed: List of items that are done. Only the CRMS and the author are allowed to
indicate done against a Follow-Up item.
All Follow-Up Items are displayed in the Follow-Up Items link (main menu). The period for
which the list of items remains in view is dependent upon the parameter set-up in the Country
Profile.
The following features are available to the author of the Follow-Up Item and CRMS associated
with the customer:
Ability to modify the due date (mail notifications will be sent accordingly)
Ability to add comments
Ability to link documents from the Customer File to the Follow-Up item
CC Section
This section shows the recipients who will be notified on the approval and completion of the
workflow. For selection details, refer to Select Notification Recipients.
Status History
Status History displays the following actions (if taken), name of the user, date and time
information:
Created
Forwarded to CRMS
Returned to Author
Submitted for Approval
Returned for Rework
Re-Submitted
Not Approved
Approved
Cancelled
Edit History
This section shows entries that are related to the Save Action. The entry has the current date/time
and the details of the current user.
Attaching a CA Face
Considerations
The CA is forwarded to CRMS, who receive the CA in their To Do lists. (The CA also
remains in the Author’s To Do List for editing.) At this stage, CRMS can return the CA to
the Author without a CA Face (by clicking Return without CA Face. The CA can then
return to the In Analysis stage. (An email with comments is sent by CRMS after clicking
Return without CA Face.)
Type of CA Face: The CRMS must be aware of the correct type of CA Face. An Annual
Review CA should have Annual Review CA Face attached, etc. CRI does not validate the
CA-type.
GFCID or Customer ID: Check the GFCID or Customer ID of customers if you cannot
attach a CA Face, especially for customers whose names sound similarly.
Sequence and Reference Numbers: Always check sequence number and reference numbers
of the CA Face to ensure that it is the correct CA face.
Optional Attachments: Attachment of a CA face to a CA workflow can be made optional
for an Approved Elsewhere customer or an Extension CA in the Entity Profile (refer to Entity
Profile topic). The CRMS can enter a reason and add relevant attachments in the Attach
CA Face screen. The reason is displayed in the main CA template after the Summary
Proposal section or CA Components Checklist section (for Asia and LATAM).
Copied Values: When the CA Face is attached, the following values in the CA Face are
copied to the related fields in the Summary Proposal section of the CA: Total Facilities,
Direct, Contingent, PSE, Settlement Limit, and Clearing Limit. This removes the
inconvenience for the CRMS/Author of changing fields in the Summary Proposal section
manually to match that of the CA Face.
Attaching/Linking the RAPID WebCA to the CRI CA
You can attach CAs that are generated in RAPID to the CRI CA. If more than one CA Face is
available, when you click Attach CA Face, a list is displayed. If only one CA is available, that CA
is attached automatically to the CRI workflow.
2. In the Select Signers section, click the Tier level to the right of the Signer name that you want
to select. (Tier levels indicate approval order. For example, a Signer in Tier 1 approves a
workflow before a Signer in Tier 2, etc.) Then click Add in the Select Other Signers section.
The selected Signers are then displayed in the Selected Signers section at the bottom of the
screen.
3. Click OK when complete. The workflow is sent to the selected Signers for their approval
based on the order (Tier level) specified.
Note: If there is a last approved workflow for this customer, the selected signers’ box at the point of creation
displays the names of the signers who approved the last workflow.
This feature works only if the user enters a specific period of absence in the CRI User Profile. The
prompt is displayed only in cases where the signers are absent (at the time of selection) and
remains absent for at least two days. For Tickets and Workflows marked Urgent, the prompt is
displayed at all times, irrespective of the number of days that the signer may be absent.
Selecting Cc Recipients
CRI sends out mail notifications with the CRI workflow attached** to Cc recipients when a
workflow is Approved and Completed.
CRI Users List, which allows you to select any CRI user or users.
Citibank Address Book, which enables you to select any Citibank staff from the list of users
that match the name you have entered, for example, Smith, John.
Standard Cc Recipients, a list of names based on the roles set up in the Customer Profile,
for example, RMs, Analysts, and CRMS. You can remove names from this list
permanently by removing the role assignment in the Customer Profile—Customer Roles
section. You can also remove the names on a workflow basis through the Entity Profile
parameter.
Can Standard Cc recipients be removed from workflows? (Removed Standard
Cc recipients will not receive the mail notification upon Completion of
the workflow.
Answering Yes to the above question allows Standard Cc recipients to be removed in the
various workflows. An edit history is maintained within the Standard Cc Recipients screen for
tracking removals, if any.
CRI sends the email with the CRI workflow (attachments) according to the following logic:
Attachments are not sent to names selected from the CRI Users List or names in
the Standard Cc list.
Attachments are sent to names selected from the Citibank Address Book,
provided they have not been selected from the CRI Cc recipients list or part of
the Standard Cc list. The user can specify which attachments to send.
Forms Library
The Forms Library, managed by CRMS, is a repository for Global, Regional and Country-specific
forms. You can download these forms/templates to your PCs from the Forms Library or through
the CA Components Checklist. The Forms Library has an expiration feature for each template.
The Expiry Date field is non-mandatory. Based on an Entity Profile parameter setting, an email is
sent to the Country Risk Manager or other designated users on the expiry of the templates.
If the CA is In Package Preparation (either Awaiting Source Credit System entries or Pending
Submission) status, a Sponsoring Officer is required. If none is selected, a text box (No Sponsoring
Officer Reason) is provided below the signer information section of the workflow, to specify a
reason for non-inclusion. If a Sponsoring Officer is selected later, the box is removed. If a
Sponsoring Officer is not included and a reason for non-inclusion is not provided, a warning
message is displayed:
Airlines
Gaming
Insurance
Metals & Mining
Petroleum
Power
Real Estate
Shipping
Telecom & Technology
When a CA is returned by the CRMS to the Author, after the CA Face is linked/attached:
The system checks the SIC Code of the Customer against the preset list of valid special SIC
Codes set up in the Industry Signer Criteria within the Administration module. If a match is
found,
The system checks the Proposed CFA after attaching the CA Face against a preset threshold
value (verified with GCIB manual). If the Proposed CFA is in excess of the preset threshold
values,
CRI checks if an Industry Signer for that Industry is already selected. If not, (For all industries
except Gaming), CRI prompts the CRMS Do any facilities have a tenor over 1 year? with options
of Yes, No, and Cancel. The question and answer is displayed in the CA. Only the CRMS can
edit this later.
If Yes, an Industry specialist is required to approve the CA. A Reason for No Industry
Signer box is provided for entering a reason for non-inclusion. When submitting
for approval, if no reason is provided, the author is prompted again.
If No, the CA leaves CRMS, without any Reason box displaying-An Industry specialist
is not required to approve the CA.
Later inclusion of an Industry Signer removes the box and the tenor question.
Note: This applies only to the 9 industries identified in the GCIB manual and only locally approved and shared
approval names are checked.
A user is defined as an industry signer based on the following attributes in the User Profile:
Signer Tiering
There are three tiers through which the workflow can be routed. The author of the workflow
specifies the tiering before submission and the system sequences the approvals accordingly.
Signers in the first tier receive the workflow for their approval first. Only when it is fully
approved within the first tier, will the workflow be sent to the signers in the next tier.
1. Click Comments.
2. After entering comments, click Save. (It is important that you save your work.)
Approving Credit Approvals
Approving a Credit Approval with comments/attachments sends an email with your
comments/attachments to the RM/Analyst. After Approving a workflow, the workflow is
removed from the signer’s To Do list. However, it can be accessed through Monitor (if the
necessary access has been set up appropriately) until the workflow is fully Approved. A signer
can add more comments, and an e-mail notification is sent to the RM and Analyst.
This is the most straightforward action that a signer can take. It confirms that the CA can move to
the final stage. When all signers have approved a CA, it is sent to the RM/Analyst and CRMS for
further action.
Conditional Approval is displayed in the Approval Status column in the Signers Information
Section.
3. You can select this option, for example, if a signer wants to change the Source Credit System
facilities part of the CA (facility limit/ tenor/ FRR, etc.) i.e. Conditional Approval. It
automatically highlights that an amendment is required in the Source Credit System to the
appropriate party, who can then act upon this request. They later log into CRI and confirm
that the signer's request has been completed.
4. After Conditionally Approving a workflow, the workflow is removed from the Signer’s To
Do list. However, you can access the workflow through the Monitor (if the necessary access
has been set up appropriately) until the workflow is fully Approved. A Signer can add more
comments, and an e-mail notification is sent to the RM and Analyst.
5. The appropriate party (RM/Analyst or CRMS) then ensures that the Signer’s conditions are
met. They Confirm Approval on behalf of the Signer, and can also add comments when
Confirming Approval. If they add comments or attachments while Confirming Conditional
Approval, they are emailed to the relevant parties. If the Conditional Approval option is
selected, the workflow remains in the In Approval state until the RM/Analyst and/or CRMS
has selected Confirm Approval.
Request Further Information is not a separate stage or status. The workflow still remains in the In
Approval state. While awaiting a reply, the signer can send a further Request Further Information,
or take another action, for example, Approve. Reminders are sent to the authors if they have not
acted upon a signer’s request after a designated number of days (defined in the Entity Profile).
Selecting the Request Further Information option keeps the workflow in the In Approval state.
Signers must Approve the workflow later.
Note: After the workflow is submitted for Approval, RMs/Analysts and CRMS have the ability of pulling the
workflow back by using the Return for Rework option. They can access the workflow through Monitor.
For a workflow that requires a signer’s re-approval because it was Not Approved, this is
indicated by Re-Approve. The signer’s previous Approval or Conditional Approval action is
displayed with a strikethrough in the Signer Information section. Under the Comment/RFI
column, the Not Approved details are displayed in red. Subsequently, when the signer re-approves
the workflow, the details are removed.
Subject of email
To: Signers
Cc: CRMS, RM, Analysts
Subject: Re-Approval requested for XXX - ABC LIMITED
With the Not Approved option chosen, the workflow will be moved back to
the following stages:
CA: In Analysis
CCR: Pending Submission
Credit Memo: In Process
AML/KYC/CADD: In Process
Additional Considerations
For all approval actions, attachments may be included. You can attach Document(s) from
the CRI Customer File or Document(s) stored on your computer (or any other drive to
which you have access).
The workflow is removed from the Signer’s To Do list when the following actions are
taken:
Approved
Conditional Approval: sent to RM/Analyst and/or CRMS for their further action,
workflow still remains In Approval
Return for Rework: sent to the RM/Author for re-work and re-submission
Not Approved: sent to the RM/Author for possible cancellation
The workflow remains in the Signer’s To Do list when the following action is taken:
Request Further Information.
At any time, if an Approve action is taken and the workflow is still in the In Approval
state, the signer can retrieve the workflow from Monitor. The signer can add further
comments in the following ways:
Open the workflow from the Monitor. Click Request Further Information if
additional information is required. After entering comments, click Send.
Open the workflow from the Monitor. In the Signers’ Information Section, the
Signer can respond to other signer/RM comments/responses. If comments were
added, View is available. Click View and then Respond. After entering
comments, click Send.
Reminders are sent to any signer who has not Approved after xx number of days. This
reminder is repeated every cc number of days until the signer takes an action on the
workflow. XX is the number of days elapsed while in the In Approval state and xx is
defined in the Entity Profile. If a workflow was Returned for Rework or Not Approved, then
the email is sent xx number of days after the latest re-submission, that is, the reminder
counter is cleared and the system starts the count from the latest submission.
When taking any action, you can insert comments and/or attachments. The
comments/attachments are part of the mail notification.
For any Approval action taken, other signers (RMs and Analysts) are copied on the email.
Any recipient can respond to the signers’ comments through the workflow in CRI, even if
another user has responded already
Comments for actions cannot be edited later, for example, the RM or Signer cannot edit
their first round of comments for a Request Further Information, when adding further
comments
Once a workflow is Approved, it is removed from the signers To Do list, but will still be
available through the Monitor option (provided the necessary access has been set up)
When the workflow is fully Approved, comments made by all signers are included in the
email that is sent to RMs, Analysts, CRMS, and all signers. An HTML image of the
workflow is also included.
1. Before completing a workflow, the CRMS ensures that all the Cc recipients are selected and
follow-up items are added (if required).
2. The CRMS clicks Complete and enters comments (if necessary) in the Comments box.
3. The CRMS clicks Confirm Action. The Confirmation page, indicating that the workflow has
been lodged successfully in the Customer File, is displayed. After the CRMS has completed
the workflow, the following actions occur:
An email is sent automatically to Cc recipients that contains the following:
Text from the Purpose box of the workflow
Signers’ comments
Workflow attachments (CRI sends the email together with the workflow
attachments. Attachments are not sent to names selected from the CRI
Users List or part of the Standard Cc list; attachments are sent only to
names selected from the Citibank Address Book. This eliminates the
need for photocopying, faxing, and separate emails having to be sent to
PAMs, Operations, and Documentation Units, etc.)
Note: (For Asia only) DAs and SDAs receive a blank email informing them of the Approval/Completion
of the CA. This mail, unlike the one sent to the other Cc recipients, does not contain any
attachments or contents pertaining to the CA Package.
The workflow is lodged into the Customer File as a whole package in the
designated Sub-Tab. At the same time, all documents attached from the local
drive are lodged separately into their specific Sub-Tabs in the Customer File.
The workflow is removed from the CRMS’s To Do list and everyone’s Monitor
list.
The Source Credit System is updated with the CA approval (for CACLS and
CRMS only).
Extending a CA
You can automatically trigger an Extension CA by answering two questions in the Entity Profile
control:
“Would you like CRI to create an Extension CA if an Annual Review (FCR) CA is
not yet Approved?”
“If yes, how many days prior to the CA Review Date should CRI create an
Extension CA?”
Based on the above answers, CRI automatically triggers an Extension CA if an Annual Review
CA for a customer is in any stage prior to Approved.
If the Extension CA is triggered, and the Annual Review CA is completed either on or before
the next review date, CRI automatically cancels the Extension CA.
If an Annual Review CA has been triggered and the CA is extended in the interim, upon
completion of the Extension CA, CRI sends the following email:
To: RMs, Analysts
CC: CRMS
Subject: Please note that the Annual Review for XXXX has been
extended and is now due on MM/DD/YYYY (date to be
picked up from the Extension CA)
Note: The next review date is based on the Extension CA and an email notification is sent to the RM/Analyst to
remind them that the Annual CA is due. If the Annual Review does not exist in CRI (because it was
Cancelled) and the CA is extended in the interim, then xx number of days before the Due Date (Next Review
Date based on the Extension CA), an Annual Review CA is triggered automatically with an email
notification sent to the RM/Analyst.
If you enter a reason and select Cancel Workflow (i.e. CRI permanently deletes the
workflow and does not retain a copy in the system), the reason is displayed in the
Cancelled Work Items report.
If you enter a reason and select Cancel & Lodge Workflow (i.e. CRI deletes the workflow
from the To Do List and retains a copy in the Customer File), the reason is displayed in
both the Cancelled Work Items report and in the copy filed in the Customer File.
Cancellation Considerations
The RM, Analyst, CRMS and their backups can Cancel a workflow.
Canceling a workflow that is in the In Approval state removes it from the Signers’ To Do
List, and signers also receive an email notification.
You can view Cancelled workflows in the Cancelled Work Items menu, as well as details
of Customer, Type of template, Name of person who Cancelled, Date, and RM. These are
removed after six months.
You cannot reinstate a workflow that has been cancelled. The Cancel function is not a
Recycle Bin.
Approved workflows can be Cancelled. The option to Cancel an Approved workflow is
only available to the CRMS for all workflows, and Operations for Operations Memos
(Intra-Day tickets).
Entering a reason for cancellation is mandatory for system-triggered workflows; this is
optional for manually-created workflows.
When an Approved workflow is Cancelled, an email is sent as follows:
CA
To: Signers, CRM or other designated recipients as defined in the
Entity Profile (if CA is system-triggered)
Credit Memo
To: Signers
AML/KYC/CADD
To: Signers, CRM or other designated recipients as defined in the
Entity Profile (if AML/KYC/CADD is system-triggered)
CCR
To: Signers, CRM or other designated recipients as defined in the
Entity Profile (if CCR is system-triggered)
CC: RM, CRMS, Analyst
Company Update
To: Signers, CRM or other designated recipients as defined in the
Entity Profile (if Company Update is system-triggered)
Operations Memo
To: Signers
Roundtables/Greenlight Memos
About Roundtables/Greenlight Memos
If the Customer Profile setup specifies that the customer is automatically excluded from a
Roundtable/Greenlight Memo, then a Roundtable/Greenlight Memo is not required. If it is stated
that the customer is automatically included in a Roundtable/Greenlight Memo, then a
Roundtable/Greenlight Memo is required. Automatic inclusion applies to all types of CAs.
Assuming the answer to both questions is No, the following logic applies.
Alternatively, Roundtables/Greenlight Memos can be created, scheduled and completed outside
of a CA workflow by RMs, Analysts, and Product Managers. Mail notifications are sent at various
stages of the Roundtable/Greenlight Memo.
If the Roundtable Inclusion indicator is Yes in the Customer Profile, and the Roundtable
Exclusion is No in the Customer Profile.
If the customer’s ORR is 7 or worse.
If the CA is of an Extension, and the CA Document indicates a Yes for the Extension
being more than 90 Days.
If the Classification of the Customer is set to Current in the Customer Profile.
If the Total Proposed Summary Proposal values are greater than or equal to the CFA
values, and the total change of Proposed values from the Existing values is greater than
or equal to the CFA increase.
When a Roundtable is Not Mandatory
If the Roundtable Inclusion indicator is No in the Customer Profile, and the Roundtable
Exclusion is Yes in Customer Profile, a Roundtable is not mandatory.
Status: Status of the Roundtable/Greenlight Memo with the following values: Open,
Scheduled, Complete.
Facility Summary: Contains information about existing and proposed credit limit for
Facilities. These values are entered in the CA screen and cannot be edited when in an In
Roundtable/Greenlight Memo (Open Status). The Proposed Facilities may be edited in
the CA. The Roundtable/Greenlight Memo has a refresh feature.
Key Changes in Facilities: This is a text field in which analysts and RMs can enter text.
Issues & Concerns: This is a text field in which analysts and RMs can enter text.
Attachments section: Attach documents from local file or from Customer File.
When attaching documents from the Customer File, CRI retrieves and displays
documents from the Customer File from the following Category/Tab/Sub-Tab:
Region Category Tab Sub Tab
Asia Credi Roundtable Roundtable
t Checklist Checklist
EMEA/ Credit Credit Roundtable/
JENA Memos Green Light
Memos
LATAM Credit Core Roundtable
Approval Summary
Docs
Similarly, when a document is attached to this section, upon Completion of the Roundtable,
the document is lodged in the Category/Tab/SubTab mentioned above.
Legal Issues and Concerns: This is a text field in which analysts and RMs can enter text.
Actions Required: This is a text field in which analysts and RMs can enter text at the end of
the roundtable.
How to Create a Roundtable/Greenlight Memo From Within a CA
Roundtables/Greenlight Memos can be automatically triggered in CRI while in the Credit
Approval, depending on answers to questions in the Customer Profile, ORR, and Classification,
as well as the CFA and amount of increase in facilities. Roundtables/Greenlight Memos can also
be created as a stand-alone workflow from the Can Do List.
1. While in the CA, click Forward to CRMS or Prepare Roundtable to validate that a
Roundtable/Greenlight Memo is required (refer to the following Roundtable logic). A
message prompting you to Create or Skip a Roundtable is displayed.
2. Click Create. The Roundtable/Greenlight Memo screen is displayed.
3. Complete the sections of the Roundtable workflow:
Customer Name
Status (Open, Scheduled, Complete)
Facility Summary (information about existing and proposed credit limit for
Facilities)
Key Changes in Facilities
Issues & Concerns
Attachments section
How to Schedule a Roundtable/Greenlight Memo from your To Do List
The Roundtable template contains a section called Schedule& Designated Participants. This section
enables you to schedule a roundtable and its participants. You must schedule a
Roundtable/Greenlight Memo before the Expiry date. A Roundtable/Greenlight Memo must have
a date and a participant. Mandatory items in the Credit Approval must be validated. Participants
in a Roundtable/Greenlight Memo receive an email that informs them of the date, time, and
venue of the Roundtable/Greenlight Memo.
4. Open the CA from the To Do List, and schedule a Roundtable date by selecting Schedule
Date. You can select a standard date from the specific range of dates available, or enter an
appropriate date in the Non-standard Date field.
5. Select Roundtable/Greenlight Memo Participants by clicking Roundtable Participants. You
can select names from a list, which displays all possible Roundtable/Greenlight Memo
participants. Once selected, a list displays the selected Roundtable/Greenlight Memo
participants. (There is no limit to the number of Roundtable/Greenlight Memo participants.)
6. To add a participant, select the participants in the Select From Name list and click Add. You
can add more than one user at a time. (Once a participant is added, a Roundtable/Greenlight
Memo To Do List item is created.)
7. To remove a participant from the list, select one or more names in the Selected Roundtable
Participants Name list and click Remove. (Once a participant is removed, the
Roundtable/Greenlight Memo To Do List item is also removed.)
8. To remove all names from Selected Roundtable Participants Name list, click Remove All.
9. Click Schedule Roundtable. Then click Save.
Note: Participants that have commented on the Roundtable/Greenlight Memo cannot be removed (i.e. comments are Sent).
However, participants can be removed if they have Saved but not Sent a Comment or if they have only replied
to a comment.
To: Participants
Date: 10-Oct-2003
Time: 10:00hrs
You can access the scheduled roundtable from the To Do list or View.
Note: When the status of a CA is In Roundtable-Open, any amendments to the Summary Proposal, are reflected in the
Roundtable template. When the status is In Roundtable-Scheduled, any amendments to the Summary
Proposal are not reflected in the Roundtable template. To reflect these values in the Roundtable-Scheduled
status, click the Scheduled button again.
Once a CA is in an In Roundtable-Scheduled status, you cannot enter key changes and issues
until you Cancel the Roundtable.
1. Open the CA from your To Do list. Then open the Roundtable/Greenlight Memo screen and
click Comments. There is a link to Current and Last Approved CAs.
2. Enter your comments in the Comments field or respond to Comments in the Response
column. After a response is made, the Response column in the RT is refreshed with a Yes.
3. To save the comments and forward the workflow to the author, click Send.
4. To cancel any comments, click Cancel.
1. Open the CA from your To Do list. Then open the Roundtable/Greenlight Memo screen and
click Complete Roundtable after completing the Roundtable form. The
Roundtable/Greenlight Memo Template is a permanent component of the CA. It cannot be
detached from the CA.
Attaching Documents to a CA
You can attach the following supporting documents, which are displayed in the Attachments
section of a CA:
All attachments are displayed as hyperlinks in the Attachments section. If a document has
been read, the link is displayed in purple; if unread, the link is displayed in blue. Most
importantly, CRI remembers which documents have been read over multiple sessions.
You can download or remove documents by checking the box beside the document and
clicking its respective button.
CRI keeps a record/audit trial of the attachments made through View Attachment Details at
the bottom of the screen.
All attachments made to the workflow from the local drive are lodged automatically into their
appropriate pre-selected Category/Tab/Sub-tab when CRMS clicks Complete. If no
Category/Tab/Sub-Tab has been selected, the workflow is positioned in the default
Category/Tab/Sub-Tab.
If an attachment is made from the local drive, it is lodged into the pre-selected
Category/Tab/Sub-tab in the Customer File. This applies even if there may already be an
existing file (same document) in that sub-tab.
1. From within the CA, attach a single or multiple documents by clicking Attach Local File or
Attach Multiple Local Files.
2. Select one of the following actions.
To
Attach Click
Browse. Select the file from your local
One File
drive and then click OK.
Browse to select each file from your local
Multiple Files
drive. Then click Attach Files.
3. Repeat Steps 1 and 2 to add more documents. The selected documents are attached to the
workflow in the Attachments section.
Viewing Attachments
When a CA is submitted for Approval or when it is lodged automatically in the Customer File,
CRI automatically binds all CA attachments into the required format for easier viewing. Any
attachments made by the RM/Analyst are packaged into a single screen and can be easily
accessed and reviewed. The attachments can also be downloaded. The Download All feature
automatically zips the files and saves it onto your desktop.
View Attachments in Two Windows–While the first document is opened, signers can open
up a second document in a separate window, which enables simultaneous viewing of
both documents.
Viewing Attachments in a Split Window–This option enables you to view two documents
simultaneously side by side.
Lodging Attachments
All attachments to the CA or other workflows from the Local Drive are lodged automatically into
their appropriate pre-selected Category/Tab/Sub-tab when CRMS clicks Complete. If no
Category/Tab/Sub-Tab has been selected, the workflow is positioned in the default
Category/Tab/Sub-Tab.
CRI uses the following logic on how the attachment(s) of the completed workflow are lodged into
the Customer File:
Attachment from the Local Drive –If the attachment is made from the local drive, this is
always be lodged into the pre-selected Category/Tab/sub-tab in the Customer File based
on the Component the document is attached to in the CA. This logic holds even though
there may already be an existing file (same document) in that sub-tab.
Attachment from the Customer File (lodged automatically or manually lodged): If the
attachment is made from the Customer File, CRI does not create another copy of the
attached file after completion of the workflow. This logic holds even if the attachment
was made from a different Category/Tab/Sub-tab.
How to View an Attachment
1. From within a Credit Approval, click on the document.
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