Overview

The Loans screen provides a complete and organized history of all loan agreements associated with a selected client. From this central view, you can filter loans by their status, see key financial details at a glance, and access a wide range of administrative functions for each specific loan, from editing details to viewing transaction logs.

Navigation

1. Navigate to Client Administration and Search for Existing Client.
2. From the search results, select (highlight) the desired client.
3. Click the Loans button.

Filtering by Loan Status (Tabs)

To easily find a specific loan, you can use the tabs at the top of the list to filter by status:

• Active and Application: Shows loans that are currently active or are still in the application stage.
• Application: Shows only loans with an "Application" status.
• Active: Shows only loans with an "Active" status.
• Paid: Shows all loans that have been fully paid up.
• Cancelled: Shows all loans that were cancelled.
• Non-Performing: Shows loans that have been classified as non-performing.
• Not Approved: Shows loans that were declined or not approved.
• All: Shows all loans for the client, regardless of their status.

Understanding the Loan List Columns

The main screen displays the following key information for each loan:

• Home Branch: The branch where the loan was created.
• Loan Number: The unique number for the loan contract.
• Loan Status: The current status of the loan (e.g., Active, Paid, Cancelled).
• Payback Type: The repayment method used for the loan (e.g., Cash, DebiCheck).
• Payback Status: The status of the collection instruction at the CSP (e.g., Active, Completed).
• Loan Amount: The original principal amount borrowed.
• In Default Fees and Interest: The amount of any fees and interest charged due to default.
• Loan Total: The total amount repayable for the contract.
• Received Amount: The total amount that has been received to date on the contract.
• Agreement Date: The date the loan agreement was issued.

Available Loan Functions

By selecting a loan from the list and clicking the relevant button, you can perform various administrative tasks.

Core Loan Management

Function	Description	Documentation
Edit Loan	Allows you to view or change loan details. The ability to edit depends on the loan's status.  - Application: You can freely edit the details.  - Active: You should not make changes unless you are cancelling the loan or writing it off.  - Cancelled, Not Approved, Written Off, or Paid Up: No changes should be made. You can access these loans to view details or reprint original documents.	Edit Loan
Receipt	Create a new receipt to record a payment made against the loan	Receipt
Reverse a Receipt	To reverse a payment, navigate to the main Transactions list for the client, highlight the receipt, and click Reverse Receipt.	Receipt Reversal
Loan Instalment	View the loan's repayment schedule. From here, you can also Reschedule the due date of instalments	Loan Instalment
Loan Transactions	View a detailed, line-by-line ledger of all financial transactions that have occurred on the loan	Loan Transaction

Collections and Payouts

Function	Description	Documentation
Payback Instructions	View the details of the automatic collection instruction (PIN) sent to the CSP	Payback Instruction
Create Payback Instruction	You can Create a Payback Instruction from this area if one does not exist	Create Payback Instruction
CSP Summary	View a summary of the loan & CSP loan numbers	CSP Summary
Payout Instruction	View the details of the instruction that was created to pay the loan funds out to the client	Payout Instruction
Create Payout Instruction	Create a Payout Instruction for the loan if it does not exist	Create payout instruction

Reporting and Communication

Function	Description	Documentation
Statement for Settlement	Generate an official settlement statement showing the amount required to pay off the loan	Statement of Settlement
Letter of Demand / In Default Notice	Generate a formal letter of demand for an overdue loan	Letter of Demand
Letters	Access and generate other standard letters related to the loan	Letters

Auditing and Documentation

Function	Description	Documentation
Loan Log	View a complete audit trail of all changes made to the loan, including who made the change and when	Loan Log
Loan Asset	Save information on assets linked to this loan	Asset
Attached Documentation	View any external documents that have been uploaded and attached to the specific loan	Loan Documents
Record Fees and Interest	View the fees and interest recorded for the loan	Record Fees and Interest

Debt Recovery

Function	Description	Documentation
Bad Debts Recovered Receipt	Record a payment received for a loan that was previously written off	Bad Debt Recoved
Reactivate Written Off Loan	Change the status of a written-off loan back to an active state. This feature may not be available in all countries due to the data sharing rules	Reactivate Loan

Compliance

Function	Description	Documentation
NCR Desktop Audit button	View and download documents associated with the loan	NCR Desktop Audit