Commitment parameters
Management of all parameters essential for operation of Commitments.
Main Features
Types of competitions
Grant conditions
Guarantee parameters received
Processing parameters
Miscellaneous parameters
Settings eligibility criteria
Line of credit
Implementation and monitoring of the authorization of Credits to bank customers.
Main Features
Instruction and file study
Submission of the application
Creation of customer file
Customer debt
Personal contribution
Study and agreement of the file set up
Setting up the credit line
Renewal of the credit line
Overdraft authorization modification
Editions
Financial analysis
Assessment of the financial situation of a company based on the analysis of its balance sheets, its ratios and financial projections.
Main Features
Taking into account the different accounting systems used by the client:
SYSCOAHADA, SFD, etc.
Multi-year approach for financial analyzes and projections
Checking the consistency of the accounting information provided by the client to
the bank
Possibility for the banker to prepare the statements which he will use for his
analysis
Direct entry of data to be processed or import into the system from
from an Excel file
Formula wizard to facilitate the composition of formulas for
different calculations
Calculation of ratios from financial indicators provided to the system:
general ratios, BCEAO ratios, complementary ratios, etc. The user can extend the calculation of
ratios over the last five (5) years to deepen the analysis of the client’s situation
Processing of financial projections of the forecast operating account
over five (5) years.
Establishment of the cash flow plan and calculation of the profitability threshold
customer activity.
Notification
Commercial portfolio
Check management and commercial instruments handed over for collection or discount.
Main Features
Discount
Discount line usage (permissions)
Calculation and accounting of interest and commissions
Extension (with or without fees)
Presentation (Tray output)
Claim (with or without fees)
Timeline
Payment
Unpaid
Monthly rediscount
Editions
Accounting
Amortizing loans
Amortisable loan management granted by the bank to its customers.
Main Features
Instruction and file study
Financing commitment (credit agreement)
Setting up the loan (beneficiary account, repayment account, account
commitment, commitment contra account, depreciation, etc.)
Single or multiple disbursement (disbursement schedule, disbursement
effective)
Monitoring of recovery (payment of due dates, early repayments,
closing of loans and due dates, unpaid debts, etc.)
Deadline postponement
Amendment management
Editions
Accounting
Guarantees received
Guarantee management that the bank receives from its customers.
Main Features
Personal guarantees (endorsement, deposit)
Real guarantees (real estate, movable property)
Bank guarantees (bank account placed as guarantee)
Insurance guarantees (guaranteed insurance)
Edition
Accounting
Deposits and Endorsements
Credit processing by signature. It is intended for the management of guarantees given by the bank to its customers.
Main Features
Instruction and file study
Setting up a deposit
Customer provision taking
Release of bail
Play
Calculation of quarterly commissions
Monthly recovery of quarterly commissions
Consultation and editing of documents
Accounting
Documentary credit
Management of commitments made by the bank at the request of its client, to pay the amount of the credit against presentation of documents in accordance with those stipulated in the credit opening letter.
Main Features
Monthly surveys
The module ensures the monitoring and accounting of each step
from:
‣ Document negotiation
‣ Use
‣ Taking provision
‣ Correspondent fees
‣ Receiving and generating Swift messages
‣ Balance of payment information
The import or export operation, from notification to execution of the
secure payments:
‣ Cancelation
‣ Acceptance
Documentary delivery
Management of payment means by which a bank ensures collection of the credit amount against delivery of documents according to the instructions stipulated on the collection order, at the request of its client.
Main Features
Receiving (import) or opening (export)
Acceptance (import)
Modification of amounts
Extension
Other changes
Remdoc clearance or Remdoc settlement
Cancelation
2th sending documents
Special treatment
- Authorize advance payments
- Corresponding fees
- Taking provisions
- Downstreams
Swift message reception and generation
Balance of payments information
Acceptance
Swift messages like MT4X, MT202, MT103
Edition
Documentary domiciliation
Generation of a number in order to obtain authorization for the issuance of a documentary credit or a documentary submission.
Main Features
Opening
Edit
Clearance
Cancelation
Document editing