Credit management system manual

CREDIT MANAGEMENT SYSTEM
CREDIT MANAGEMENT SYSTEM MANUAL
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Contents
1. Introduction ............................................................................................................................................................................................................................... 7
1.1. Software Overview............................................................................................................................................................................................................. 7
1.2. Purpose of the document .................................................................................................................................................................................................. 7
2. Accessing the System ................................................................................................................................................................................................................. 7
2.1. Logging In ........................................................................................................................................................................................................................... 8
2.2. Landing Page .................................................................................................................................................................................................................... 10
2.3. Change Password ............................................................................................................................................................................................................. 11
2.4. Logging Out ........................................................................................................................................................................................................................... 12
2.5. Pending Messages............................................................................................................................................................................................................ 13
3. Users ........................................................................................................................................................................................................................................ 14
3.1. Loan Officer ...................................................................................................................................................................................................................... 17
3.1.1. Capturing Static Details...................................................................................................................................................................................................... 17
3.1.3. Viewing Agreement Letters ............................................................................................................................................................................................... 21
3.1.4. Creating Amortization Schedule ........................................................................................................................................................................................ 22
3.1.5. Viewing Rejected Application ............................................................................................................................................................................................ 25
3.1.6. Making Enquires ................................................................................................................................................................................................................ 25
3.1.7. Viewing Reports ................................................................................................................................................................................................................. 29
3.1.8. Capturing PDA Companies ................................................................................................................................................................................................. 31
3.1.9. Application Locator ............................................................................................................................................................................................................ 31
3.1.10. Menu Order ..................................................................................................................................................................................................................... 33
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3.1.2. Performing a Loan Application .......................................................................................................................................................................................... 20

3.2. Lending Manager ............................................................................................................................................................................................................. 34
3.2.1. Recommending Applied Loans .......................................................................................................................................................................................... 35
3.2.2. Creating/ Reviewing Amortisation Schedule ..................................................................................................................................................................... 39
3.2.3. Creating /Reviewing Agreement Letters ........................................................................................................................................................................... 40
3.2.4. Making Enquires ................................................................................................................................................................................................................ 42
3.2.5. Viewing Reports ................................................................................................................................................................................................................. 44
3.3. Head Lending 1 ................................................................................................................................................................................................................ 46
3.3.1. Creating /Reviewing Amortisation Plans ........................................................................................................................................................................... 46
3.3.2. Approving/ Rejecting Loan Applications............................................................................................................................................................................ 47
3.3.3. Making Enquires ................................................................................................................................................................................................................ 50
3.3.4. Viewing Reports ................................................................................................................................................................................................................. 52
3.4. Head Lending 2 (Management Credit Committee).......................................................................................................................................................... 54
3.4.1. Approving Loan Application............................................................................................................................................................................................... 54
3.5. Disbursement Officer ....................................................................................................................................................................................................... 56
3.5.1. Performing a Disbursement ............................................................................................................................................................................................... 56
3.5.2. Viewing Agreement Letters ............................................................................................................................................................................................... 59
3.5.3. Making Enquiries ............................................................................................................................................................................................................... 61
3.5.5. Download SSB File ............................................................................................................................................................................................................. 64
3.5.6. Upload SSB File................................................................................................................................................................................................................... 65
3.5.7. Upload SSB Deduction File ................................................................................................................................................................................................. 66
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3.5.8. Set SSB Cut Off Date .......................................................................................................................................................................................................... 66

3.5.8. Accounting ......................................................................................................................................................................................................................... 67
3.5.9.1. Viewing Journal Entries................................................................................................................................................................................................... 67
3.5.4.2. Creating Batches ............................................................................................................................................................................................................. 68
3.6. Accounts Officer............................................................................................................................................................................................................... 69
3.6.1 Account Creation ......................................................................................................................................................................................................... 70
3.6.2 Cash Book ..................................................................................................................................................................................................................... 71
3.6.3 Income Statement........................................................................................................................................................................................................ 72
3.6.4 Journals ........................................................................................................................................................................................................................ 74
3.6.5 Receipting .................................................................................................................................................................................................................... 75
3.6.6 Balance Sheet...................................................................................................................................................................................................................... 75
3.6.7 Batching ....................................................................................................................................................................................................................... 77
3.6.8 Trial Balance ................................................................................................................................................................................................................. 78
3.6.9 Account Statement ...................................................................................................................................................................................................... 79
3.6.10 Earned Interest ................................................................................................................................................................................................................. 82
3.6.11 Account Audit ................................................................................................................................................................................................................... 82
3.6.12 Repayment Authorisation................................................................................................................................................................................................. 83
3.6.13 Disbursement Authorisation ............................................................................................................................................................................................. 83
3.6.14 Close Book ........................................................................................................................................................................................................................ 84
3.6.14 Close Book Authorisation ................................................................................................................................................................................................. 84
3.7 Reports ................................................................................................................................................................................................................................... 85
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3.7.1 Financial Reports ................................................................................................................................................................................................. 86

3.7.1.1 Top Twenty Borrowers Report ........................................................................................................................................................................................ 87
3.7.1.2 Portfolio Activity Report .................................................................................................................................................................................................. 87
3.6.1.3 Portfolio Quality Report................................................................................................................................................................................................... 88
3.6.1.4 Portfolio Quality Summary Report ................................................................................................................................................................................ 88
3.6.2.1 Expected Repayments Report.......................................................................................................................................................................................... 89
3.6.2.2 Captured Summary Report .............................................................................................................................................................................................. 90
3.6.2.3 Maturity Analysis Report ................................................................................................................................................................................................. 91
3.6.2.4 Instalment Due Report..................................................................................................................................................................................................... 92
3.6.2.5 Loan Maturity Report....................................................................................................................................................................................................... 93
3.6.2.6 Loan Officer Summary Report ......................................................................................................................................................................................... 93
3.6.2.7 Branch Summary Report .................................................................................................................................................................................................. 94
3.6.3 Transaction Report.............................................................................................................................................................................................................. 94
3.6.3.1 Daily Disbursement Report .............................................................................................................................................................................................. 94
3.6.3.2 Interest Report ................................................................................................................................................................................................................. 95
3.6.3.3 Repayments Report ......................................................................................................................................................................................................... 95
3.6.3.4 Disbursements Report ..................................................................................................................................................................................................... 96
3.6.3.5 Sector Analysis Report ..................................................................................................................................................................................................... 97
3.6.4 Credit Report....................................................................................................................................................................................................................... 98
3.6.4.1 Takes Over Report............................................................................................................................................................................................................ 98
3.6.4.2 Aging of Arrears Report ................................................................................................................................................................................................... 99
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3.6.4.3 Loans Grading and Provision Report .............................................................................................................................................................................. 100
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1. Introduction
1.1. Software Overview
The 360˚ Credit Management system (CMS), is a state of the art, modular based software that manages the entire credit processing of
any lending company it provides a business organization with the tools and information to manage and monitor all micro-financing
processes throughout the entire business. The System assigns each task by category, by role and allows management to oversee the
process, measuring quality and productivity.
1.2. Purpose of the document

The purpose of this document is to provide step-by-step instructions for Credit Management System. This user guide is intended to
give an understanding to the user about the use of the system to prepare and submit legal aid, credits and insurance broking information
electronically, viewing and printing reports. This document is designed by Escrow Systems.
2. Accessing the System

The system can be accessed through the web and all the reports can be generated in real time.
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The 360o Credit Management System (CMS) supports the following browsers-:
1. Microsoft Edge /Internet Explorer

2. Mozilla Firefox
3. Google Chrome
4. Opera
5. Safari
6. Torch
These are the tried and tested and it is our belief that the system will efficiently run on any other browser because it was designed as a
platform independent system.
The log in screen expects valid credentials made up of a username and password. If a username and password has not yet been allocated
to you, you need to get the standard super user credentials from Escrow Systems. This super user profile must be the custody of the top
level management as it will control the rest of the system. This super user profile will be used to create all the other users including local
administrators
2.1. Logging In
To access the system, a user must have pre-created username and a corresponding password. Shown below is the log in form.
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Username is a unique name which the system uses to identify users.
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Password is a secret string usually alpha-numeric set by you that permit only you to use the system under the entered
Username.
The system verifies the user input, and on successful validation of the Username & corresponding Password, grants access
to the start-up window.
2.2. Landing Page
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Once the user has logged in, they can visualize the statistics in numbers and in diagrammatic form. This will make the numbers easier to
understand. The statistics on the above comprise of Incoming Applications, Total Disbursements. Total repayments and Total
Applications. The user can be able to view the detailed reports of the unexpired balances loans, 1-30 days overdue loans, 31-60 days
overdue loans, 61-90 days Overdue, 91-180 days and Over 180 days Overdue.
2.3. Change Password

The user has the capability to change their password for security reasons.
1. Hover the mouse over the user icon in the top right corner.
2. Select the “Change Password” button.
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3. Fill in the form to change the password

4. Click “Change” to process the password change/ or “Quit” to cancel the password change
2.4. Logging Out

1. Hover the mouse over the user icon in the top right corner.
2. Select the “Log Out” button
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2.5. Pending Messages

The user can view all the processes awaiting their attention under Individual Statistics.
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3. Users
The system has 6 users and the roles of these users are summarised below:
1. Loan Officer
The loan officer is responsible for capturing all static details for new debtor. Once all the details are captured, the Loan Officer can now capture the loan
application. They can also view reports, rejected applications and amortisation schedules as well as performing enquiries.
2. Lending Manager
The roles of the lending manager are to create amortisation schedules and to draft agreement letters based on the information forwarded on the
application by the loan officer. The lending manager can also recommend applications that he/she deem fit. The lending manager can perform enquiries
as well pertaining to specific application. They can view reports and loan progress.
3. Head Lending1
The Head Lending is the first user with the authority to approve or reject loans. Depending on the structure of the organisation, the depth of the
approvers may go as deep as four or five protocols of approval. The head lending1 is also responsible for reviewing amortization schedules and agreement
letters. Other capabilities include viewing reports and performing enquires.
4. Management Credit Committee (MCC)
This user(s) is responsible for the credit committee approval. A loan is supposed to be approved by the set number of MCC approvers before it goes for, it
is sent to the disbursement officer for disbursement of funds.
5. Disbursement Officer
This is the user who does the actual release of funds to the loan applicant. If the required figure is available, the full loan is disbursed. However, if the
available amount is less than the required loan, a partial disbursement is done until the rest of the money is available. Also, this user is the one responsible
for capturing repayments. This user can also be called the finance officer.
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6. Accounts Officer
The role of the accounts officer is to track all finances of the account. This user can view records like the General Ledger, Trial Balance, Cash Books, etc.
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LOAN OFFICER: CAPTURE STATIC DETAILS
LOAN OFFICER: LOAN APPLICATION
LENDING MANAGER: AMORTIZATION SCHEDULE AND AGREEENT LETTERS
LENDING MANAGER: LOAN RECOMENDATION
HEAD LENDING1: AMORTIZATIN REVIEW
HEAD LENDING2: FIRST LOAN APPROVAL
DISBURSEMENT OFFICER: DISBURSE LOAN OR PARTIAL LOAN
DISBURSEMENT OFFICER: REPAYMENTS
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3.1. Loan Officer
3.1.1. Capturing Static Details

The Loan officer will upload all the details of the customer which are required to make a Loan application. The customer details are grouped into the
personal identification details, particulars identification details, address including the rental details, banking details including the customer details and
finally the upload of the photo of the customer. The following are the stages to navigate through capturing static detail by a Loan Officer.
1. Hover mouse over the label “Credit Management”

2. Click “Capture Static Details” label
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3. Fill in the form with the desired details in each field and paying much attention to the mandatory fields.
4. Click “Save” to save the captured details.
5. The saved applications can be viewed in the table below the application form:
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3.1.2. Performing a Loan Application

The loan application is the process of entering into the system, the details of the user who is looking for a loan. The following are the steps which are
carried when applying for a loan.

2. Click “Application” label
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3. Fill in the form with the desired details in each field and paying much attention to the mandatory fields.
4. Click “Next” to move to the next form which is Employment Information. (Fill in all the forms under loan application. Click “next” to view the next
form)
5. After all forms are filled in, click “Submit”.
3.1.3. Viewing Agreement Letters

2. Click “Agreement Letters” label
3. Type in name or loan application ID in the search criteria

4. Click the search arrows.
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1. Click on the desired record from the list displayed
2. Click “Form Letter” and the agreement letter is displayed.
3.1.4. Creating Amortization Schedule

2. Click “Amortization” label
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2. The form below is automatically populated
3. Select “Repayment Option”.
4. Click “Create Amortization”.
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3.1.5. Viewing Rejected Application

2. Click “Rejection” label
3. To find a rejected application the user will enter the client name or select the client name from the table.
4. Click search arrows.
3.1.6. Making Enquires

2. Click “Enquiries” label
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3. Click a check box selecting the specific selection criteria to be used which includes search by Branch, Loan Officer, Status, Client Type, Application
Date, Disbursement Date and Customer Name.
4. Type in the search word

Click “Search Loan”
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6) Click “More Details” besides the desire record
7) The details are populated.
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3.1.7. Viewing Reports

2. Click “Reports” label
3. Select the report to be viewed (for example Loan Grading Report)

4. Select the date range for the report
5. Click Print report.
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The following is the sample of the Loan Book Report
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3.1.8. Capturing PDA Companies

It is inputting the PDA Companies into the system, the Loan Officer will fill in the PDA code, PDA Name and repayment Account number. The following is a
sample of the PDA Capturing form.
3.1.9. Application Locator

The application locator is a web page which shows the position of a given loan in the application flow of the system. The loan application locator has the
list of the loans will be based on a user which includes the loan officer, lending manager, head of lending MCC first approval, MCC second approval, SSB
adjustments, SSB Adjustments, SSB Download, Ready for Disbursement, Disbursed Applications, Rejected Applications and terminated applications. The
following is a sample of the application locator:
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3.1.10. Menu Order

1. Hover mouse over the label “Utilities”
2. Click “Menu Order” label
3. Select the role to be edited

4. Select the “Module Category”
5. Drag and drop menus to rearrange the menu order
6. Click “Save”.
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3.2. Lending Manager

The lending manager has the following landing page:
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The above is a sample of the landing page of a lending manager. It comprises of incoming applications, total disbursement, total repayments, gross loan
portfolio and total applications of the branch statistics.
3.2.1. Recommending Applied Loans

Recommending the application is the process of approving a given loan and the Lending Manager is the first user in the approval process.

2. Click “Loan Applications” label
3. Type in the search criteria i.e. Applicant Name.

4. Click the search arrow or just click the select button.
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5. Click the “View Application” icon

6. View and verify the details captured on the filled in application form
7. Click “Next” to view next form
(the last form has a “Recommendation Field”)
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1. Enter recommended amount and the supporting comment
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Click the “Acknowledgement Received” check box and the “Recommend” button appears
2. Click “Recommend”.
The Lending manager can be able to view the Application details, Employment Information, Guarantor Information, Financial Requirements, Other Loans
and Questionnaire.
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3.2.2. Creating/ Reviewing Amortisation Schedule


3. Select the “Repayment Option”.
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3.2.3. Creating /Reviewing Agreement Letters


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1) Hover mouse over the label “Credit Management”
2) Click “Enquiries” label
1. Click a check box selecting the specific selection criteria to be used
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3. Click Search Loan
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4. Click “More Details” besides the desire record

5. The details are populated.

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3. Select the report to be viewed (for example Outreach Loan Book Report)
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3.3. Head Lending 1
3.3.1. Creating /Reviewing Amortisation Plans

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3. Select the “Repayment Option”.
3.3.2. Approving/ Rejecting Loan Applications

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4. Click the search arrow.
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2. Click the “Acknowledgement Received” check box and the “Recommend” button appears
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4. Click “More Details” besides the desire record

5. The details are populated.

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3. Select the report to be viewed (for example Outreach Indicators Report)

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3.4. Head Lending 2 (Management Credit Committee)

The Management Credit Committee is a group of individuals who have got the rights to approve a given Loan. They might be set to a given number for
example 3 members. Note that a Loan will not be disbursed until all the committee members of the Loan approval committee have agreed to process a
loan application. This will be the second stage of approval of a Loan application.
3.4.1. Approving Loan Application

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4. Click the search arrow.

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2. Click the “Acknowledgement Received” check box and the “Recommend” button appears
3.5. Disbursement Officer
3.5.1. Performing a Disbursement

2) Click “Loans Application” label
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3) Click “Disburse or View Application icon” label

The above is a view of the Loans are available in the system that needs to be disbursed. Below the loans applications table there are fields of the
selected loan that needs to be disbursed
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The details above comprises of the financial requirements, customer detail and application details.
4) Click “Disburse” button to pay out the money to the loan application.
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3.5.2. Viewing Agreement Letters

3. Type in name or loan application ID in the search criteria 4) Click the search arrows.
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3.5.3. Making Enquiries

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4) Click “More Details” besides the desire record
The details are populated.
3.5.5. Download SSB File

The user should navigate to the Credit Management and click the Download SSB file.
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The user will enter the file type, select date and the user should enter the date range for which the SSB file should be downloaded.
3.5.6. Upload SSB File

When the user uploading the file, the user should navigate to the Credit Management and click the Upload SSB File option:
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The user should select the file to upload SSB type or reason and after that the user will have to click the Process SSB File to upload the file.
3.5.7. Upload SSB Deduction File

This is a web page which is used to deduct money from the clients holding loans. The user should click the Credit Management and Upload Final SSB
Deduction file.
3.5.8. Set SSB Cut Off Date

The use will have to click the Credit Management and Set SSB Cut Off Date link. The following is an example of the form
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The user will have to select the date they want and click “save” button to save the date details of the SSB in the system.
3.5.9. Accounting
3.5.9.1. Viewing Journal Entries

1. Hover mouse over the label “Accounting”
2. Click “Journal” label
3. Select the “Journal Number”.

4. Journal details are populated
5. To add a new journal record, fill in the form displayed below
6. Click “Add” to create the journal record.
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3.5.9.2. Creating Batches

2. Click “Batches” label
3. Fill out the form with the desired information
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4. Click “Add” to create the batch.
3.6. Accounts Officer

The functions of the accounts officer are found by hovering mouse over the label “Accounting”. This produces a drop-down menu with the following
options:
• General Ledger • Account Creation • Cash Book • Income Statement
• Journals • Receipting • Balance Sheet • Batching
• Trial Balance • Account Statement • Earned Interest • Account Audit
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• Repayment Authorization • Disbursements Authorization • Closed Books • Closed Books Authorisation
3.6.1 Account Creation
The user should search for the account name to see if it exists in the system, if the account name does not exist, the user will go on to enter the Main
Account number, Select the type of the account. If the user selects the Income statement, the Category Tax Processing will be populated according to the
Tax processing of the income statement and the same if the Balance sheet is selected by the user. The user will have to submit the account description and
after filling all the details the user should click “Save” in order to add the account details.
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3.6.2 Cash Book
A cash book is an account which receipts and payments of money are recorded.
The user will have to click the Accounting and then Cash book option
1. Select the Batch Number.

2. Select Date of the transaction.
3. Select the account number.
4. Select the Type of the payment.
5. Select the account number.
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6. Fill all the other details and click the “Add” button to add the transaction and commit button to verify the transaction. If the user want to
clear the fields, should click the Remove selected items.
3.6.3 Income Statement

Income statement is a financial statement that reports a company's financial performance over a specific accounting period. The user should click the
Accounting option then the income statement.
The user will have to enter the date range for the creation of the income statement then click Print Report. The following is a sample of an income
statement.
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The report will be grouped according to the Income and Expenditure and after the values grouped, the Net profit is calculated by subtracting the Income
from the Expenditure. The following will be the result after the calculation of the Net profit.
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3.6.4 Journals
A journal entry, in accounting, is the logging of a transaction into accounting. The journal entry can consist of several recordings, each of which is either a
debit or a credit. The total of the debits must equal the total of the credits or the journal entry is said to be "unbalanced

2. Click “Journal” label
3. Select the “Journal Number”.

4. Journal details are populated
5. To add a new journal record, fill in the form displayed below 6) Click “Add” to create the journal record.
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3.6.5 Receipting
This is simply a summary of the cash transactions as in the cash book, analysed and classified under suitable headings, including the opening and closing
balances. The user will have to fill all the details and select the option of the payments and add or commit the transaction.
3.6.6 Balance Sheet

A balance sheet is a statement of the assets, liabilities, and capital of the organization at a particular point in time, detailing the balance of income and
expenditure over the preceding period.
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The user will have to select the date range for the Balance sheet and click the print report button to print the balance sheet. The following is a sample of a
balance sheet.
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3.6.7 Batching
Batching is the gathering and organizing of incoming transaction prior to their processing. The following is the sample of the Batching form.
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The user will fill up all the details above including selecting the Batch type and the Batch date.
3.6.8 Trial Balance

A trial balance is bookkeeping worksheet in which the balances of all ledgers are compiled into debit and credit columns. The following is a sample of the
trial balance. The following is a sample of the trial balance.
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The user should view the report type based on the Main Accounts or Detailed Trial Balance and the date of the trial balance.
3.6.9 Account Statement

Account statement is a periodic summary of account activity with a beginning date and an ending date.
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The user can want to view the Account statement based on the cash, Bank and loan and advances but the user must provide the date range. The following
is a sample of the account statement report.
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3.6.10 Earned Interest

It is an amount earned by a company on its interest loan accounts.
The user should select the report type and the date range then click the print button to view the report.
3.6.11 Account Audit
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Account audit is a systematic review and investigation of the policies, procedures and systems put in place to record, store and present financial data
within a company. The user should select the transaction type, batch reference and the date range of the account type selected.
3.6.12 Repayment Authorisation

It is the process of granting of the payments made in the organisation. The following is the sample of the authorisation form.
The user should select the batch number then click the “authorise” button to make the repayment.
3.6.13 Disbursement Authorisation
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The user should provide the batch number or select the Disbursement in order to authorise the disbursement.
3.6.14 Close Book

This is a page which is used to enter the Cut off dates of the transactions
The user should input the date then click the save button to save the date.
3.6.14 Close Book Authorisation

It is the process of granting rights to authorise a given cut of date suggested by the user. The form below is a sample of the close book authorisation.
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3.7 Reports
The reports which are printed by the system are grouped based on the Credit Reports, Transactional Reports, Operational Reports, Financial Reports and
other Reports. The following is a sample of the reports.
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3.7.1 Financial Reports

The following is a samples of the Financial reports:
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3.7.1.1 Top Twenty Borrowers Report
3.7.1.2 Portfolio Activity Report
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3.6.1.3 Portfolio Quality Report
3.6.1.4 Portfolio Quality Summary Report
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3.6.2.1 Expected Repayments Report
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3.6.2.2 Captured Summary Report
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3.6.2.3 Maturity Analysis Report
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3.6.2.4 Instalment Due Report
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3.6.2.5 Loan Maturity Report
3.6.2.6 Loan Officer Summary Report
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3.6.2.7 Branch Summary Report
3.6.3 Transaction Report
3.6.3.1 Daily Disbursement Report
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3.6.3.2 Interest Report
3.6.3.3 Repayments Report
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3.6.3.4 Disbursements Report
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3.6.3.5 Sector Analysis Report
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3.6.4 Credit Report
3.6.4.1 Takes Over Report
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3.6.4.2 Aging of Arrears Report
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3.6.4.3 Loans Grading and Provision Report
100 | P a g e
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Credit management system manual

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Credit management system manual

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CREDIT MANAGEMENT SYSTEM

CREDIT MANAGEMENT SYSTEM MANUAL

3.1.2. Performing a Loan Application .......................................................................................................................................................................................... 20

3.5.8. Set SSB Cut Off Date .......................................................................................................................................................................................................... 66

3.7.1 Financial Reports ................................................................................................................................................................................................. 86

3.6.4.3 Loans Grading and Provision Report .............................................................................................................................................................................. 100

1.2. Purpose of the document

2. Accessing the System

1. Microsoft Edge /Internet Explorer

Username is a unique name which the system uses to identify users.

2.2. Landing Page

2.3. Change Password

3. Fill in the form to change the password

2.4. Logging Out

2.5. Pending Messages

4. Management Credit Committee (MCC)

LOAN OFFICER: CAPTURE STATIC DETAILS

LOAN OFFICER: LOAN APPLICATION

LENDING MANAGER: AMORTIZATION SCHEDULE AND AGREEENT LETTERS

LENDING MANAGER: LOAN RECOMENDATION

HEAD LENDING1: AMORTIZATIN REVIEW

HEAD LENDING2: FIRST LOAN APPROVAL

DISBURSEMENT OFFICER: DISBURSE LOAN OR PARTIAL LOAN

DISBURSEMENT OFFICER: REPAYMENTS

3.1. Loan Officer

3.1.1. Capturing Static Details

1. Hover mouse over the label “Credit Management”

3.1.2. Performing a Loan Application

1. Hover mouse over the label “Credit Management”

5. After all forms are filled in, click “Submit”.

3.1.3. Viewing Agreement Letters

3. Type in name or loan application ID in the search criteria

1. Click on the desired record from the list displayed

2. Click “Form Letter” and the agreement letter is displayed.

3.1.4. Creating Amortization Schedule

1. Click on the desired record from the list displayed

2. The form below is automatically populated

3. Select “Repayment Option”.

4. Click “Create Amortization”.

3.1.5. Viewing Rejected Application

3.1.6. Making Enquires

4. Type in the search word

6) Click “More Details” besides the desire record

7) The details are populated.

3.1.7. Viewing Reports

3. Select the report to be viewed (for example Loan Grading Report)

The following is the sample of the Loan Book Report

3.1.8. Capturing PDA Companies

3.1.9. Application Locator

3.1.10. Menu Order

3. Select the role to be edited

3.2. Lending Manager

3.2.1. Recommending Applied Loans

1. Hover mouse over the label “Credit Management”

3. Type in the search criteria i.e. Applicant Name.

5. Click the “View Application” icon

1. Enter recommended amount and the supporting comment

3.2.2. Creating/ Reviewing Amortisation Schedule

1. Click on the desired record from the list displayed

4. Click “Create Amortization”.

3.2.3. Creating /Reviewing Agreement Letters

3. Type in name or loan application ID in the search criteria

1. Click on the desired record from the list displayed