Aller au contenu principal

M05. Customer commitment management

A group of applications used to evaluate on- and off-balance sheet customer commitments, including credit lines, guarantees, securities and other contingent liabilities.

M05_1. Loans & Instructions​

End-to-end management of the credit application process.

  • Main functions
    • Instruction
    • Research
    • Management
    • Consultation
    • Editing.

M05_2. Credit facilities​

Setting up and monitoring credit authorisations for the bank's customers.

  • Main functions
    • Examination and review of applications;
    • Submission of the application;
    • Creation of customer file;
    • Customer debt;
    • Personal contribution;
    • Study and approval of the application;
    • Credit line set up;
    • Renewal of credit line;
    • Modification of overdraft authorisation;
    • Publishing

M05_3. Financial analysis​

Assessment of a company's financial position based on an analysis of its balance sheets, ratios and financial projections.

  • Main functions
    • Taking into account the different accounting systems used by the client: SYSCOAHADA, SFD, etc;
    • Multi-year approach for financial analyses and projections;
    • Checking 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 to facilitate the composition of formulas for the 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 further analyse the customer's situation;
    • 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 client's business;
    • Notification.

M05_4. Management of received Guarantees​

Gestion des garanties que la banque reçoit de sa clientèle.

  • Main functions
    • Garanties personnelles (aval, caution);
    • Garanties réelles (bien immobilier, bien mobilier);
    • Garanties bancaires (compte bancaire mis en garantie);
    • Garanties assurance (assurance mise en garantie);
    • Édition;
    • Comptabilisation.

M05_5. Amortising loans​

Management of amortisable loans granted by the bank to its customers.

  • Main functions
    • 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 disbursements (disbursement schedule, actual disbursement);
    • Collection monitoring (payment of instalments, early repayments, closure of loans and instalments, arrears, etc.);
    • Amendment management;
    • Publishing;
    • Accounting.

M05_6. Commercial portfolio​

Gestion des chèques et les effets de commerce remis à l'encaissement ou à l'escompte.

  • Main functions
    • Discount;
    • Use of discounting lines (authorisations);
    • Calculation and booking of interest and commission;
    • Extension (with or without charges);
    • Presentation (Exit Bac);
    • Claim (with or without charges);
    • Payment schedule;
    • Payment;
    • Outstanding payments;
    • Monthly settlement;
    • Editions;
    • Accounting.

M05_7. Sureties and endorsements​

Processing of signature credits. It is used to manage guarantees given by the bank to its customers.

  • Main functions
    • Investigation and study of applications;
    • Arranging guarantees;
    • Taking customer deposits;
    • Release of surety;
    • Putting into play;
    • Calculation of quarterly commissions;
    • Monthly transfer of quarterly commissions;
    • Consultation and printing of documents;
    • Accounting.

M05_8. Foreign trade​

Automation and simplification of the various import-export processes.

M05_8.1. Import-export 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 functions
    • Monthly surveys;
    • The module tracks and accounts for each stage of:
      • Document negotiation,
      • Usage,
      • Provision taking,
      • Correspondent charges,
      • Swift message reception and generation,
      • Balance of payment information;
    • Import and export operations, from notification to secure payment execution:
      • Cancellation,
      • Acceptance.

M05_8.2. Import-Export documentary remittance​

Control of the means of payment by which a bank ensures the collection of the credit amount against remittance of the documents according to the instructions stipulated on the collection order, at the request of its customer.

  • Main functions
    • 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
      • Endorsements
    • Swift message reception and generation
    • Balance of payments information
    • Acceptance
    • MT4X, MT202, MT103 Swift messages
    • Editing

M05_8.3. Import-Export documentary remittance​

Generation of a number to obtain authorisation for the issue of a documentary credit or a documentary remittance.

  • Main functions
    • How to open
    • Modification
    • Discharge
    • Cancel
    • Editing:
      • DOMDOC inventory
      • List of direct debits entered
      • List of direct debits in progress
      • List of direct debits cleared
      • List of cancelled direct debits

M05_9. Rate increases​

Management of financial institution's subsidy portfolios.

  • Key features
    • Home: displays the tool's home page;
    • Logout: closes the user's current session;
    • Folder: gives access to the list of folders and allows new folders to be created;
    • Dossier: gives access to the list of dossiers and allows new dossiers to be created;
    • Instruction: allows you to enter information relating to a file created (amount of financing, name of lender, file reference, duration and amount of subsidy, rate, etc.);
    • Review: used to review applications according to various criteria and decision-making bodies;
    • Notification: allows you to set the approval and effective dates of the statements and attach the loan and subsidy agreement files;
    • Amortisation schedule: enables you to load a new schedule on which to base the breakdowns;
    • Instalment payments: enables you to record payments made by a customer to his lender in relation to the loaded schedule;
    • Settlement: enables you to record and validate (by impacting the accounts) the payments made by the financial institution to the customer in relation to the due payments made;
    • Portfolio: provides an overview of all bonus files that have been or are being processed.