Commitment parameters
Management of all the parameters essential to the operation of the Commitments.
Main features
Types of competition
Terms and conditions
Parameters of guarantees received
Processing parameters
Miscellaneous parameters
Eligibility criteria parameters
Line of credit
Setting up and monitoring credit authorisations for the bank's customers.
Main features
Examination and review of applications
Submitting the application
Creation of customer file
Customer debt
Personal contribution
Review and approval of application
Line of credit set up
Renewal of credit line
Modification of overdraft authorisation
Editions
Financial analysis
Assessment of a company's financial position based on an analysis of its balance sheets, 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 analyses and projections
Checks on the consistency of accounting information provided by the customer to the bank
Possibility for the banker to draw up the statements he will use for his analysis
Direct input of data to be processed or import into the system from an Excel file
Formula wizard for easy composition of formulas for various calculations
Calculation of ratios based on the financial indicators supplied to the system: general ratios, BCEAO ratios, supplementary ratios, etc. The user can extend the calculation of ratios to the last five (5) years to analyse the customer's situation in greater depth.
Processing of financial projections for the projected operating account over five (5) years.
Drawing up a cash flow plan and calculating the break-even point for the customer's business.
Notification
Commercial portfolio
Management of cheques and bills of exchange presented for collection or discounting.
Main features
Discount
Use of discount lines (authorisations)
Calculating and booking interest and commission
Extension (with or without charges)
Presentation (Exit Bac)
Claims (with or without charges)
Payment schedule
Payment
Outstanding payments
Monthly settlement
Editions
Accounting
Redeemable loans
Management of amortisable loans granted by the bank to its customers.
Main features
Appraisal and study of the application
Commitment to finance (credit agreement)
Loan set-up (beneficiary account, repayment account, commitment account, counter-commitment account, amortisation, etc.)
Single or multiple disbursement (disbursement schedule, actual disbursement)
Collection monitoring (payment of instalments, early repayments, closure of loans and instalments, arrears, etc.)
Maturity deferrals
Amendment management
Publishing
Accounting
Guarantees received
Management of guarantees received by the bank from its customers.
Main features
Personal guarantees (endorsement, surety)
Real guarantees (real estate, movable property)
Bank guarantees (secured bank account)
Insurance guarantees (insurance pledged as security)
Edition
Accounting
Bonds and Guarantees
Processing of signature credits. It is used to manage guarantees given by the bank to its customers.
Main features
Examination and review of applications
Setting up a guarantee
Taking customer deposits
Release of security deposit
Putting into play
Calculation of quarterly commissions
Monthly transfer of quarterly commissions
Consultation and printing of documents
Accounting
Documentary credit
Management of the commitments made by the bank at the request of its customer, to pay the amount of the credit against presentation of the documents in accordance with those stipulated in the letter of credit.
Main features
Monthly surveys
The module tracks and accounts for each stage of:
‣ Document negotiation
‣ Utilisation
‣ Provision taking
‣ Correspondents' expenses
‣ Swift message reception and generation
‣ Balance of payment information
The import or export operation, from notification to secure payment execution:
‣ Cancellation
‣ Acceptance
Documentary delivery
Control of the means of payment by which a bank ensures the collection of the amount of credit against delivery of the documents according to the instructions stipulated on the collection order, at the request of its customer.
Main features
Receipt (import) or opening (export)
Acceptance (import)
Modification of amounts
Extension
Other changes
Remdoc clearance or Remdoc settlement
Cancellation
2nd dispatch of documents
Special treatment
- Authorise advance payments
- Corresponding charges
- Provision taking
- Advance payments
Swift message reception and generation
Balance of payments information
Acceptance
MT4X, MT202, MT103 Swift messages
Editing
Documentary direct debit
Generation of a number to obtain authorisation for the issue of a documentary credit or a documentary remittance.
Main features
Opening
Modification
Discharge
Cancel
Editing documents