Overview

The Credit Info Credit Check: Non-Client function is designed for conducting credit inquiries on individuals who are not yet registered as clients in your system, such as walk-in applicants. This allows for a preliminary credit assessment before formal client onboarding.

How to Perform a New Inquiry

To initiate a new credit inquiry for a non-client, follow these steps:

1. Navigation: Go to Non Client > CreditInfo Enquiry > Do New Enquiry.

2. Print Consent: Print the consent form for the applicant to review and sign. This is a mandatory step for compliance.

3. Complete Details: Carefully enter all required information for the applicant, including:

   • ID Type

   • ID Number

   • Name

   • Surname

   • Date of Birth (DOB)

   • And any other necessary fields.

4. Finish Inquiry: Click Finish to submit the inquiry.

5. View Credit Report: A link will appear, allowing you to download and view the comprehensive credit report.

Granting a Loan and Client Creation

If, after reviewing the credit report, you decide to grant a loan, you can seamlessly convert the non-client inquiry into a full client profile:

• Add to Client Function: From the inquiry history, use the Add to Client function. This will automatically create a new client profile in MAXMONEY under Client Administration, pre-populating it with the information you've already entered during the inquiry.

Understanding the Credit Report

The credit report is a critical tool for your affordability assessment. When reviewing the report, pay close attention to the following sections:

• Current Accounts: Details on existing accounts, their balances, and required monthly repayment amounts.

• Adverse Information: Any negative records such as late payments, delinquencies, or defaults.

• Legal Notices: Information on judgments, debt restructuring, or bankruptcy notices.

• Credit Score: The applicant's overall credit score, indicating their creditworthiness.

• Warnings: Any specific warnings or flags listed in the report.

Viewing Client Inquiry History

For existing clients, you can review their historical credit inquiries:

1. Navigation: Go to Client Administration > Search for a Client > Edit Client.

2. CreditInfo Tab: Navigate to the CreditInfo tab to view a comprehensive list of all historical inquiries performed for that specific client.

Actions within Inquiry History

Within the inquiry history, you can perform the following actions:

• Go to Client: Click this button to directly navigate to the client's full profile in MAXMONEY under Client Administration.

• Add to Client: (Applicable only for non-client inquiries) Use this button to import the non-client's details into MAXMONEY, creating a new client profile under Client Administration.

• Details: Use this function to:

  • Add notes specific to the non-client inquiry.

  • View who performed the inquiry.

  • View who last updated the note.