Exp	Credit Initiation is the process undertaken by CITIBANK, in which the customer’s request for credit is evaluated and a decision is made whether to fulfill that request. Personal Installment Loan is one of the key products supported in Credit Initiation, in which personal loans are created for the customers. Front end Application was built on J2EE, Business processes were built on Tibco Business Works and human intervention tasks were implemented in TIBCO iProcess. As part of this, participated in developing the front end using OOPS concepts and various J2EE standards like JSP, JavaScript, Servlets, and JDBC.