Post on 18-Feb-2016
description
User Manual for Credit Operation System (COS) Page 1 of 31
User Manual for Credit Operation System (COS)
Contents 1. Update COS ......................................................................................................................................... 2
2. Credit Information Search .................................................................................................................... 2
3. CIC Search Register .............................................................................................................................. 3
4. Stock Report (Drawing Power Calculation, Stock Inspection, Stock Insurance) ..................................... 5
5. Land and Building Insurance Report (required for building insurance) .................................................. 8
6. Vehicle Insurance Report (mandatory for all Hire Purchase / Vehicle Loan) ........................................ 10
7. Multiple Banking Report .................................................................................................................... 12
8. Exception Review/Overdue Report .................................................................................................... 13
9. HP Overdue Report ............................................................................................................................ 17
10. Gold Loan Status .............................................................................................................................. 21
11. CRD File Status ................................................................................................................................. 23
12. Limit Approval History ..................................................................................................................... 24
13. Installation of Credit Operation System (COS) .................................................................................. 27
14. COS User Creation .......................................................................................................................... 31
15. ......................................................................................................................................................... 31
16. Non Banking Assets ......................................................................................................................... 31
17. Written Off Loans ............................................................................................................................ 31
18. Others ............................................................................................................................................. 31
User Manual for Credit Operation System (COS) Page 2 of 31
1. Update COS
2. Credit Information Search
- For Existing Client, search it
o For New CIC Entry check button on Client
o To get Existing CIC Entry, check button on Previous CIC Search
If Current Version is below 1.2.7, please update COS.exe and COSRegister.reg from ftp://192.168.103.3/CRD/Credit%20Operation%20System/,
and paste it to C:\Credit Operation System folder
Click on Credit>>Credit
Information
User Manual for Credit Operation System (COS) Page 3 of 31
o Click on Client Name and Click Select
- For New Client, Click on New Client
- If New Client, Enter Client Name on Right to Client Code Box
- Enter Loan Details in upper Grid
- Enter Searching borrower/guarantor/directors name in lower grid
- Click on Send Request to finish CIC search request
To get search previous CIC Entry
3. CIC Search Register - To get reply from Credit Admin/CCOD Click on Credit Amin>>CIC Register
Previous CIC Search
Loan Details
Search Name
details
User Manual for Credit Operation System (COS) Page 4 of 31
- Select 2 Obtained and Show
- If the reply is send and if Click on the Search Name, download button is enable
- Click to download to save the CIC Report
User Manual for Credit Operation System (COS) Page 5 of 31
4. Stock Report (Drawing Power Calculation, Stock Inspection, Stock Insurance)
- To get client name, click on search button
- Select required client name
- Click New for New Entry of Stock Report
- Ac Status should be normal for all live accounts
- For drawing power calculation, carefully provide Pumori MainCode (it should be same as on
Pumori to import Limit and Outstanding Balance from Pumori directly by COS)
Click To download
CIC Report
Click on
Hypothecation
User Manual for Credit Operation System (COS) Page 6 of 31
- After provided all the required information, click save Button to save the data
- To get the Stock Report, Click on Report Button
- Click Show Button to show the report of the branch
- If any of these is overdue (Statement Date, Drawing Power Surplus/Deficit, Last Inspection
Date, Insurance Expiry Date), it will marked by Red Color.
User Manual for Credit Operation System (COS) Page 7 of 31
- If update information is received, click on the borrower name and click on Edit button to
edit the record.
- After finalization of report, click on Send Report button to sent the report
- To Check Total No of customer report sent, click on Summary ALL and make report button
- If the report is differ than as expected or if any correction is needed then select the
customer name and click edit button to edit the data
- Click the Send reports button to resend the report.
- To save the report on excel format, Click Export to Excel
User Manual for Credit Operation System (COS) Page 8 of 31
5. Land and Building Insurance Report (required for building insurance)
- Select Branch Code
- Click on Search Button to get client name
- Select proper client name
- Click New button to add new land and building
- Provide proper details of land and building information
- Mortgage details are not mandatory
- Insurance details are mandatory for building insurance
Click on Land and
Building
User Manual for Credit Operation System (COS) Page 9 of 31
- After providing all the information, click save button to save data.
To get Insurance Report
- Click on Report
-
To Check the Report
- Click Show Button to show the report of the branch
- If any of these is overdue (Insurance Expiry Date and Last Inspection Date), it will marked by Red
Color.
- If update information is received, click on the borrower name and click on Edit button to edit the
record.
- After finalization of report, click on Send Report button to sent the report
User Manual for Credit Operation System (COS) Page 10 of 31
6. Vehicle Insurance Report (mandatory for all Hire Purchase / Vehicle Loan)
- Select Branch Code
- Click on Search Button to get client name
- Select proper client name
- Click New button to add new land and building
- Provide proper details of land and building information
- Mortgage details are not mandatory
Click on Vehicle
Registration
User Manual for Credit Operation System (COS) Page 11 of 31
- Insurance details are mandatory for building insurance
- After providing all the information, click save button to save data.
To get Insurance Report
To Check Report
- Click Show Button to show the report of the branch
- If any of these is overdue (Insurance Expiry Date and Last Inspection Date), it will marked by
Red Color.
- If update information is received, click on the borrower name and click on Edit button to
edit the record.
- After finalization of report, click on Send Report button to sent the report
To Save Report
- To Check Total No of customer report sent, click on Summary ALL and make report button
- If the report is differ than as expected or if any correction is needed then select the
customer name and click edit button to edit the data
- Click the Send reports button to resend the report.
- To save the report on excel format, Click Export to Excel
User Manual for Credit Operation System (COS) Page 12 of 31
7. Multiple Banking Report
- Click on Search button to get Client Name
- Proved Correct Client Code (of Pumori to get Limit and Outstanding Balance directly from
Pumori)
- Banking Type
- Account Status for live Account
- Provide details of Multiple Banking Facilities (Name of BFIs, % financing, Member status, any
remarks)
To Save
Click on Multiple
Banking
User Manual for Credit Operation System (COS) Page 13 of 31
- Click on Save Button
- To get Report
- Click on Report Button (Provide Nepali Year and Quarter End Month)
- Click on Ok to import report on Excel
8. Exception Review/Overdue Report
- Select Branch Code
- Select Nepali Month and Click on Show Report (it will show last month excess overdue
report of the branch)
Click on Excess
Review/ Overdue
Report
User Manual for Credit Operation System (COS) Page 14 of 31
- - Provide security (distress value) to secure the each loan in Security Value Column (Note that
once you provide security value of a loan, it will automatically extract in next month report if
same overdue loan is repeated)
- Provide Reason for Loan (principal or interest) overdue in Reason for Overdue column (Note
that once you provide reason for loan overdue of a loan, it will automatically extract in next
month report if same overdue loan is repeated)
User Manual for Credit Operation System (COS) Page 15 of 31
- Provide Action taken by the branches to recover/regularize the loan in Action Taken column
(Note that once you provide action taken to regularize/recover loan overdue of a loan, it will
automatically extract in next month report if same overdue loan is repeated)
- Provide R Renewal from drop box to remark either the loan is renewal/reviewable. If not
case of renewal/review then leave it blank in Review column (Note that once you provide
Review/Renew status of a loan, it will automatically extract in next month report if same
overdue loan is repeated)
User Manual for Credit Operation System (COS) Page 16 of 31
After providing all the required information (Security Vale, Reason for overdue, action taken and
Review status) send report by clicking Send Report Button.
Summary Exception Report
Details Exception Report
- Print Report by selecting Summary or Detail Report and save report by click Export to Excel.
User Manual for Credit Operation System (COS) Page 17 of 31
9. HP Overdue Report
- Select Branch Code
- Select Nepali Month and Click on Show Report (it will show last month excess overdue
report of the branch)
- Click on Show Button to show the report
Click on HP
Overdue Report
User Manual for Credit Operation System (COS) Page 18 of 31
- Provide security (distress value) to secure the each loan in Security Value Column (Note that
once you provide security value of a loan, it will automatically extract in next month report if
same overdue loan is repeated), If you entered details of vehicle in Vehicle Registration part
with providing proper Pumori MainCode, it will automatically show the value of vehicle.
- Provide Reason for Loan (principal or interest) overdue in Reason for Overdue column (Note
that once you provide reason for loan overdue of a loan, it will automatically extract in next
month report if same overdue loan is repeated)
User Manual for Credit Operation System (COS) Page 19 of 31
- Provide Action taken by the branches to recover/regularize the loan in Action Taken column
(Note that once you provide action taken to regularize/recover loan overdue of a loan, it will
automatically extract in next month report if same overdue loan is repeated)
- Provide N New Ac or O Old Ac from drop box to remark either the loan is newely overdue or
old overdue account. (Note that once you New/Old status of a loan, it will automatically
extract in next month report if same overdue loan is repeated).
User Manual for Credit Operation System (COS) Page 20 of 31
After providing all the required information (Security Vale, Reason for overdue, action taken and New
Old status) send report by clicking Send Report Button.
- Click on Yes
Summary of HP Overdue Report
User Manual for Credit Operation System (COS) Page 21 of 31
Details of HP Overdue Report
- Print Report by selecting Summary or Detail Report and save report by click Export to Excel.
10. Gold Loan Status - To seek Gold Loan Status approved by the branches
- For New Gold Loan (shown Qty of Gold, Rate (should be provide on Current Rate box),
Value and valuation date as blank); Click on New
- Provide relevant security details as shown and Click Save.
User Manual for Credit Operation System (COS) Page 22 of 31
-
- To Edit existing security details, Click on Edit and Save it again.
- After providing security details of gold loan listed, click on Send Report to send the report.
- After sending reports, Print the report by choosing one option from two (Details Report and
Summary Report) and click on Print to show and Export to Excel to Save report.
- Change Amount In as “1000” instead of Current Price of Gold
Gold Loan Details Report as:
Click on Detail
Reports
User Manual for Credit Operation System (COS) Page 23 of 31
- Gold Loan Summary Report as:
11. CRD File Status - To seek CAM received and approval status of file sent for approval from the branches
Click on CCD/CRD
File Status
Click on Summary
User Manual for Credit Operation System (COS) Page 24 of 31
- Select Approved from the dropdown box and
- Click on Show Button
- - If, CRD has sent scanned approval copy of the CAM, it can be downloaded by selecting client
name then Click on APP Recv Branch button. (if CAM is not scanned the button will not
enable)
12. Limit Approval History - CRD/branches can see the limit approval history of the clients
User Manual for Credit Operation System (COS) Page 25 of 31
- Search client name by clicking search button
Click on Account
Information
User Manual for Credit Operation System (COS) Page 26 of 31
- - Select Client name click on Select Button
- - Click on Other information tab
Click on Limit
History Button to
show limit history
User Manual for Credit Operation System (COS) Page 27 of 31
- - Click on Limit History button
13. Installation of Credit Operation System (COS) -Copy Credit Operation System Folder from ftp://192.168.103.3/CRD/
- Paste it to C drive of the computer
- Open Credit Operation Folder>>COS Setup
- Click on Setup.exe
User Manual for Credit Operation System (COS) Page 28 of 31
- Click on Ok Button
- Click on large button (upper left corner with setup pic)
Click here
to start
installation
User Manual for Credit Operation System (COS) Page 29 of 31
- If this type error is seen during installation, click on Yes
- If this type of errors are seen, Click on Ignore to continue the installation process
- After Installation completed successfully message is prompted, Click on Ok to complete.
User Manual for Credit Operation System (COS) Page 30 of 31
- Back to Credit Operation System Folder
- Right click on COS.exe and create Short on Desktop
User Manual for Credit Operation System (COS) Page 31 of 31
- Double Click on COSRetister.reg
- Click on Yes and Click on Ok to finalization COS installation.
14. COS User Creation - The branch should request system department or Lokendra Chaudhary (CCOD) to create
new user through mail request. The request should be sent by either Branch Manager or
Credit In-charge of the branch.
Name: ……………………….
Branch: ……………………..
User Name: ……………….
Email: ………………………..
- We will provide the username and password (same as username).
- After login with user name and password, the user should change the password mandatorily
Up-comings…
15. 16. Non Banking Assets 17. Written Off Loans 18. Others
(Note: if any problem in operation of software, Please contact Lokendra Chaudhary)