Manage complex relationships

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Manage complex relationships

Q2 Origination provides financial institutions visibility into the complete relationship, including all the individuals, subsidiaries, principals, and related/affiliated businesses that contribute to the overall relationship’s credit risk. This allows you to calculate and manage credit risk accurately. For example, if a business is the primary borrowing entity associated with a commercial loan, that business’s ability to repay the loan is affected/influenced by the principal owners of the business, especially if they are guaranteeing the loan.

You can manage household relationships, business affiliations, and relationships that are a hybrid of these two types. 

The field Relationship defines the relationship type—for example, business-business, business-individual, individual-individual. The field Reciprocal Role captures the roles between two connected entities- for example, owner-subsidiary, parent-child. Six roles are available out of the box:

  • Child - Parent

  • Owned By - Owner

  • Owner - Owned By

  • Parent - Subsidiary

  • Parent - Child

  • Subsidiary - Parent

Using the Relationship Graph, you can visualize the hierarchical relationship between all the entities and the various loans and deposits associated with each entity (and their role in the account). The graph is built using dynamic queries.

Add a New Relation

Steps

  1. Log in to your Salesforce account.

  2. Select the Accounts tab. Select the required account to view its details—for example, ABC Enterprises.

  3. Scroll to the Relationship Dashboard. Two new tabs, Affiliations and Relationship Graph are displayed.

  4. In the Affiliations tab, select Add New Relation. 

  5. Search for and select the Related Entity in the Add Individual and or Add Business section, as required. For example, Mary Jane.

  6. Select the Role of the entity—for example, Owner.

  7. Select Save Member(s).

    The entities are displayed in the Affiliations tab of the Relationship Dashboard. Select an entity to see its exposure details. Along with the proposed and actual exposure, the system also displays the exposure for the entire relationship. 

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