CCM

CLIENT

CARREFOUR

ORHIDEEA

4
3

PRESCORING
OFFICE

10
7

CASH
DESK

CREDIT
ANALYST
7
6

AGENCY
DIRECTOR

1. The client goes to Carrefour Orhideea and estimates the sum he needs in order to buy the good he wants.
2. The client goes with the estimated sum to the prescoring office; in this office, his documents are checked and he is given
an answer regarding his application.
3 + 4. If the answer is yes.
4. The client goes back to Carrefour Orhideea where he asks for the booking ticket.
3. If the answer is NO.
3. The client gets his documents back.
5. The client goes back to the bank to put together, with the credit analyst, the credit life (his documents are checked for the
second time and the client is being presented the repayment schedule and the credit file).
6. The file is sent for approval to the agency director.
7. The agency director approves the file.
7'. The credit analyst gives the client OP ( the green file).
8. The client goes with the OP to Carrefour Orhidea and then he picks up the good and invoice.
9. The client takes the invoice to the analyst who put the file together.
10. The client comes monthly with the schedule and the file and he pays the maturity rate.

CDM

1,n

HAS
HAS
HAS

1,1

Client

Contract

CNP cl.
Document Type
ID series
ID number
Cl. Name
Cl. Surname
Cl. Hometown
Cl. Address
Cl. Phone Number

Contract No.
Ctr. Type
Ctr. Date
Ctr. Value
Ctr. Period
Ctr. Interest

CLOSES

HAS

GENERATES

Certificate
Certificate No.
Cert. Issuer
Cert. Date
Salary cert.
Verified by

HAS

PERFORMS
1,1
HAS

1,1
1,1
Insurances

Receivables/Payments
HAS
Document Type

HAS
Doc. No.

Doc. Date
Paid Sum
Account No.

Policy No
Policy Series
Policy Value
Policy Date
Policy Period