Learning Path

Chinese source: 学习路线
Locale: en-US
Audience: Internal learning

Stage 1: Deposit Core Operations

Start with the core operations console. The goal is to understand customers, accounts, sub-accounts, balances, institutions, users, permissions, approvals, and special account controls.

1. Core Operations Console Overview
2. Core Operations Concepts
3. Basics: core operations console, customer ID, account number, account hierarchy, demand deposits, time deposits, and deposit products.
4. Account inquiry: customer accounts, deposit accounts, balances, transaction history, and account status.
5. Account maintenance: account closure, profile updates, limits, and restriction codes.
6. Accounting transactions: debit/credit direction, transaction references, transfers, reversals, fees, and time deposit withdrawals.
7. Internal accounts: internal accounts, GL codes, suspense items, and internal account transaction history.
8. Special account operations: freezes, releases, renewals, and legal or forced debits.
9. Operations closeout: user permissions, approvals, reconciliation, business date rollover, EOD processing, and balancing.

Stage 2: Deposit Product Factory

After understanding operations pages, move to the product factory. The focus is not how to click through screens, but how product parameters drive account opening, deposits, withdrawals, interest accrual, interest posting, and account closure.

Stage 3: Deposit Business Topics

Connect operations and product rules into end-to-end business flows:

1. Account lifecycle
2. Demand deposits
3. Time deposits and CDs
4. Interest calculation
5. Accounting entries and transaction posting
6. End-of-day batch processing

Stage 4: Loan Core

Start loan core with business objects and lifecycle logic. Screen-by-screen guides can be added later when loan-system screenshots are available.

1. Loan Core Overview
2. Loan Business Topics
3. Basics: loan core, asset-side banking, credit lines, loan agreements, notes, and repayment schedules.
4. Lifecycle: application, approval, signing, disbursement, repayment, delinquency, payoff, and charge-off.
5. Product rules: loan products, limits, terms, rates, repayment methods, and prepayment.
6. Accounting path: disbursement, repayment, receivables, income recognition, reversals, and adjustments.
7. Risk controls: delinquency, collections, collateral, mortgages, pledges, guarantees, risk classification, and allowance.
8. Screen documentation: add loan operations and loan product factory page paths and field explanations after screenshots are available.

Stage 5: Shared Core Capabilities

Finally, extract reusable core banking capabilities that apply across deposits and loans:

1. Customer and account
2. Product factory model
3. Institution, user, and permission model
4. Authorization and approval
5. Transaction posting and journal history
6. Internal accounts
7. Parameter management
8. End-of-day batch processing
9. Reconciliation and exception handling