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NGP Lending Origination Visual Guide

Explore how bankers remodel business processes with customized app screens. Create efficient small business loan processes & experiences.

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NGP Lending Origination Visual Guide

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  1. NGP Lending OriginationFS GBU UX TeamJune, 06, 2011

  2. Introduction • The purpose of this document is to visualize the NGP Lending Origination Product where a banker (product manager or business analyst) re-models the business process and customizes the application capture screens Assumptions: • The storyboards presented are for illustrative purposes only and do not represent all interactions that could take place. • The personas used in the storyboards may vary once they have been defined.

  3. Our Understanding • No single Originations process/ product?will ever be robust or flexible enough to provide a proper out of the box product for the full range of target banks. • Variance in size, process, risk taking... will all require a product to be customized to integrate with a banks existing processes. • Banks want to quickly implement changes to their business logic or improve the customer experience to respond to market shifts. • For which they seek flexible, easy customizable & less time consuming solutions thus increasing productivity and reducing operating costs. • That can allow the bankers from creating attributes to adjusting and administering credit policy to overall strategic business process management

  4. Banker Background & Scenario Name: Scott Brown Role: Product Manager: My Bank Small Business Lending Services Scenario: Forwards a process specification document to John Smith detailing the new business process for small business loans along with a changes to me made on application capture screens as per the feedback gathered during user testing. Name: John Smith Role: Business Analyst, My Bank Lending Services Scenario: In a meeting with Scott, John prepares white board sketch to visualize the new business process model and discusses the change s to be made on the application capture screens to improve the user experience. Note: These personas are used for this storyboard only and are fictional and not been based on market research.

  5. Business Process Improvement • Create new business process for small business loan • Create automated verification and processing for small business loans • Mandate manual verification and processing for high value loans

  6. 1. Load Project Storyline John launches Originations to create a new business process for the small business loans. He clicks on the Load Project action; which opens the Select Project dialog window. He then selects MyBank Small Business Loans project from the list and clicks on the Open button. Banker Experience TBA

  7. 2. Display Default Process & Templates Storyline John is presented with the default process that is applied to the product and a list of process templates that can be applied to small business loans products. John reviews the system-provided templates and realizes that none of them are appropriate for the process that he has finalized with Scott. Banker Experience TBA

  8. 3. Create New Business Process Storyline He decides to create a new process for the product He clicks on Create New Business Process action from the Actions menu to create a customized process Action launches a New Business Process dialog; which allows john to specify a name for the customized process. He specifies the name, product type, region which will help him find the right workflows to fit his needs. Banker Experience TBA

  9. 4. Add Sub-Process - Application Capture Storyline John is presented with an empty canvas and a palette to add process blocks that can be used to create a new business process for Small Business Loans. Process shapes in the palette are categorized in to different categories- Application Capture, Verification, Approval, Processing. John drags a block to the canvas from the Application Capture shape category. Application capture block contains two shapes- Create Application and Submit Application. Banker Experience TBA

  10. 5. Add Sub Process - Auto Verification Storyline John drags Auto Verification block to the canvas from the Application Verification shape category. Newly added block displays shapes for the steps that are required for the loan application verification. Banker Experience TBA

  11. 6. Add Sub Process - Manual Verification Storyline Because the process they decided on requires two types of verification, depending on the loan size which is >100k, John drags the manual one on as well. John then selects Manual Verification block from the Application Verification category and adds it below the Application Capture block that he has previously added. Banker Experience TBA

  12. 7. Add Condition for Auto Verification Storyline John selects the Submit Application shape, displayed in the Application Capture block and clicks on Add Condition action from the Actions menu. Action adds a Condition icon below the shape and displays a connector. John selects the connector and links it with the Auto Verification block. Banker Experience TBA

  13. 8. Add Condition for Manual Verification Storyline John adds an additional condition on the Submit Application shape. Action adds a Condition icon below the shape and displays a connector. John selects the connector and links it with the Manual Verification block. Banker Experience TBA

  14. 9. Apply Rules to Conditions Storyline John Selects the condition, added for Auto Verification and clicks on the Edit Condition action from the Actions menu. Action launches the condition editor dialog which displays condition choices based on the various attributes of the loan application. John selects Loan Type as a condition and then selects Auto Loan as a value. Rule Description area immediately displays a comprehensible description of what he has selected. John reads the description and clicks on the OK button to apply the condition. Banker Experience John is very impressed at how he was able to create rules exactly the same way he created rules in Outlook. The familiarity with the process made him feel more comfortable in his ability to apply complex branching logic to his process without the need to write any code (or wait a week to involve the IT department).

  15. 10. Completed Business Process Storyline John completes the end-to-end process and adds all required conditions To verify the process and conditions, he clicks on the Verify Process action from the Actions menu Banker Experience TBA

  16. 11. Specify Preview Role & Platform Storyline John selects the ‘Customer’ role and platform as ‘PC’ to preview the application. The application preview changes depending on the role and platform selected Banker Experience TBA

  17. 12. Verify Business Process & Application Storyline John is presented with the application screens as if he were a user applying for a new loan. He enters dummy data for all the different branching possibilities he has created, and sees that his business process is presenting everything according to the rules he specifies. As he runs through the predefined screens, he notices that there are changes that he would like to make to the UI to make it more compatible with their other product applications. He then closes the preview mode to make UI customizations to the screens. Preview mode display the application as it will be seen to the applicant including the bank logo, navigation etc. Banker Experience John is impressed that all the CSS Stylesheets for the bank have already been applied to the screens...

  18. User Objectives • Customize Company Information Page: Add ‘Organization Type’ component to the page from Oracle Component Repository • Customize ‘Organization Type’ component: Add ‘Cooperative’ & ‘Other’ fields to the component • Create New Page: ‘Getting Started’ to give an overview of loan application process to applicants

  19. 1. Customize User Interface Storyline John sees the list of available steps in the ‘Apply for Loan’ process and clicks on Company Info to customize. Banker Experience TBA

  20. 2. Customize Company Information Page Storyline In the Edit Page mode, John is able to add, remove or modify any components on the page. Default components such as Customer Support, Company Information, Learn appears as a part of the template. He clicks on 'Add' to open Oracle Component Repository These options will only be seen to the admin in the edit mode Banker Experience TBA In edit mode the existing components turns editable by which the admin can remove or modify the component Note: At this stage we are only planning to allow the user to select from predefined fields. Future versions should consider a full UI page forms edit capability, but we need to confirm that this is within the extensibility model available) In edit mode blank components get added to the page as per the layout thus allowing the admin to add more components to the page from Oracle Component Library

  21. 3. Add Component from Repository Storyline On clicking 'Add‘ in previous screen, he gets a list of all the components from the Oracle Component Library. He selects 'Organization Type' component to be added on the page. Banker Experience TBA

  22. 4. Display Component Added Storyline 'Organization Type' component gets added to the page. However John finds that he needs to add some additional fields to the component. He is able to customize the component. He clicks on 'Edit Component' icon to bring up the component properties. Banker Experience TBA The component gets displayed with the customizable content

  23. 5. Customize Component Storyline A list of all the fields associated with ‘Organization Type’ component is displayed. John is able to choose the fields to be displayed/ removed from the page. He selects Co-operative & Other to be displayed on the page. Banker Experience TBA Other tabs allows the banker to change the properties of the component Other tabs allows the banker to change the properties of the component

  24. 6. Display Customized Component Storyline The 'Organization Type' component gets updated with the additional fields. John previews the application once again before going ahead with further customization. He selects Preview Application from the Actions menu Banker Experience TBA

  25. 7. Preview Application after Customization Storyline John previews the application as it will be seen to the applicant. The only change remaining is to add one more step in the entire process to give applicants an overview of the application process. Banker Experience TBA

  26. 8. Create New Page Storyline John selects ‘Add New Page’ from the Actions menu. He enters the page properties and choose a layout for the page. Once done with the initial setup, he re-orders the page so that it appears as the first page in the application. He does that by selecting the Manage option. Banker Experience TBA

  27. 9. New Page Added Storyline A new blank page called 'Getting Started is added as the first page in the process. John can now add a customized message on this page by adding relevant components from the Oracle Component Library (Refer Slide 21) and further customizing the look and feel of the component (Refer Slide 23). Once the content is added John takes a final preview of the new page in context with the rest of the pages in the process. Page Wizard gets updated with the new page Default component s are displayed Banker Experience TBA Area to add new component from the Oracle Component Library

  28. 10. Preview Application Storyline Once satisfied with the customizations, John closes the preview and saves the entire process. Welcome message gets added on landing page Banker Experience TBA

  29. 11. Preview Available Process Storyline John goes back to the initial list of available processes to select and sees it in the list of available process. John is now satisfied that the new page is now reflected in the business process along with the other UI changes that are done . Before logging off from the product he once again Saves the changes made and clicks Sign out Banker Experience TBA

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