Logging In
A USER NAME and PASSWORD are required to gain access to the program. The default user name and password installed with the program are:
USER NAME: CSB
PASSWORD: 12345
Once inside the program, additional user names and passwords can be added and the defaults can be changed to make the program more secure.
Type a valid user name and password and click continue to enter the program.
Once access is granted to the program, the user is presented with the customer information screen.
This screen remains visible all the time, except when the system is being closed out. Two menus are available at the top of the screen. Most activity in the program is controlled using these menus. The first menu is used primarily to allow the current user to see who else is logged in on the system and to change their password.
Additionally current users can be switched from this menu.
The second menu performs most of the work functions of the program.
Note that some of the items are in black print and some are in dimmed gray print. If an item is “grayed out”, it is not currently available. The state of the menu items change based on what is happening in the program. For example, if no customer record is selected, the New Loan function is “grayed out” because you must select a customer before you can make a loan. All menu items are activated by clicking on them and most have keyboard shortcuts that allow you to activate them without using the mouse. Notice that some of these menu items contain a bracketed notation to the left such as [F2], [F3], etc. This notation indicates that there is a function key associated with that item. You can activate that item by clicking on it with the mouse or by pressing the associated function key. For example, to make a new loan you could press the F2 key on your keyboard instead of clicking on that menu item. Items that contain an underlined letter can be activated by holding in the ALT key and pressing the associated letter. Pressing the key for the letter O while holding in the ALT key displays the “sub-menu” titled Other. Once the sub-menu is displayed, you can move from item to item by using the up and down arrow keys. Pressing the ENTER key on a highlighted menu item activates that function or sub-menu. These shortcuts apply to buttons as well so you can hold in the ALT key and press the letter N to enter a new customer or you can just click the New button on the screen.
Setting Up Your Program
C$S Loan Manager is configurable to fit your particular operations so some items need to be configured before you begin. Since some of these items depend on information in other items, they should be set up in order.
Report
Line Setup
The Financial Summary report generated by the program contains twenty five credit lines on the left side of the report and twenty five debit lines on the right side. Each line can be configured to total up multiple General Ledger accounts. The report line setup allows you to change the name that is displayed for each line. The description is the only thing that can be changed here.
General Ledger Setup
General Ledger Accounts can be added or modified in the General Ledger Setup. Care should be taken both in setting up and changing any accounting information. IF YOU ARE UNCERTAIN ABOUT WHAT NEEDS TO BE DONE HERE CALL TECHNICAL SUPPORT ! Note that a report line is assigned to each General Ledger account so that all financial information is reported on the Financial Summary Report. If a line contains multiple General Ledger Accounts like the INS Loan Summary, the report shows a total of the values in those accounts.
Drawer Setup
The program provides for up to nine cash drawers (1-9) and one check book (Drawer 0). The purpose of this setup screen is to identify which drawers are active and which General Ledger Account is associated with which drawer. This screen uses information to from the General Ledger so the General Ledger should be set-up first.
Transaction
Type Setup
Certain transaction types are defined in the system. For example a CO is a collection. Each of these transaction types must have an associated General Ledger Number so that the accounting is handled properly. This screen allows you to define which General Ledger Account goes with which Transaction Type which in turn controls what line the information is displayed on in the Financial Summary Report.
Loan Charge Setup
Up to seven different charges can be applied to loans. In some cases these charges are pre-configured based on state law. In other cases they can be changed by the user. Each record determines how that charge will be applied and refunded as well as what forms to print and what General Ledger Account to use for charges and refunds. All of this information is stored in each loan record as the loan is entered so changing these settings has no impact on loans that are already made. Loan charges are added to the amount financed to derive the amount of the total loan.
Other Charges (Insurance)
The program supports up to nine other charges (usually different types of insurance). Like loan charges, these can be separately configured.
A Maximum Age can be set so that a particular charge cannot be applied to a customer over that age.
If Disallow For SSI Recipients is checked and the Customer Record lists SSI as the first employer, the system will not allow that charge to be made.
If the Standard box is checked, this item is automatically selected when the loan screen is displayed.
If the APR check box is checked, the amount charged for this item is included in APR calculations.
If the Changeable box is checked, users can manually values associated with this item on the loan screen.
Calendar
Setup
The calendar set up allows you to define what days your office is open and closed. This information is only used by the system in certain circumstances and may or may not be required. You should receive a state specific addendum that tells you what to do for your particular state.
You can insert individual days such
as a holiday or you can set multiple days.
The above example sets all Saturday’s from
Other Setups
The following Setups are not dependent on other items and therefore do not have to follow a particular order.
Credit Bureau Setup
The Credit Bureau Setup stores information on the Credit Bureaus you use. This information is used in the applicant portion of the program. Information stored here is used in conjunction with letters created to accept or decline credit applications. It is also used for credit reporting purposes.
Office Setup
Specific information about your office and how it operates can be set in the system. These settings are applied on a system wide basis. In cases where state laws or other requirements are “hard coded” in the system, these settings may not have any impact.
General Tab
The office name and address are grayed out because they are stored in a registration file that is not accessible to the user. This is an internal mechanism that is used to control licensing. If your address changes, you will need to contact technical support to obtain an updated registration file. Information on this tab is used for display purposes throughout the program.
System
Settings Tab
Delinquency Type:
Determines what method is used to calculate delinquency.
Movement Factor:
Sets the percentage of a payment required to move an account.
Maximum APR:
Sets the maximum allowable Annual Percentage Rate that can be charged.
Maximum Loan:
Sets the maximum amount for loans made in the system.
Maximum Term:
Sets the maximum number of months for a loan
Maximum Late Fee:
Sets the maximum amount that can be charged for a late fee
Minimum Late Fee:
Sets the minimum amount that can be charged for a late fee
Security Updates:
Determines requirements for updating security/collateral information
0 = Will never require a security update
1 = Will always require a security update
Any other number = Will require an update if the security has not been updated in that many days. For example, if you enter the number 365 an update will be required if the security has not been updated in the last 365 days.
Minimum Customer Age:
Minimum age required for a customer
Late Days:
Number of days an account must be past due to add a late fee.
Late Rate:
Percentage rate for late fees
Default Promise Days:
When a payment is taken that does not bring the account up to date, the program will ask for a promise date and amount. This setting controls the date that is entered by default. If the date is December 1 and the setting is 7, the promise date will be set to December 8.
Default NSF Fee:
Determines the default amount to be charged for returned checks
Maturity Interest Rate:
Percentage rate used to calculate maturity interest
Printed
Forms Tab
These settings allow you to select which forms are used from the available options. The list of options will vary from state to state. See the Addendum for your state.
The receipt message allows you to enter a message that will be printed on each receipt.
Mailings Tab
These settings control the automatic mailings that can be done at close out. The delinquent letter schedule sets the number of days past due before each letter is sent out. Mailings of Renewal Letters and Former Borrower Letters are based on the other settings listed.
Close Out
Settings Tab
These settings control activities that are performed at close out.
Back Up Path:
Allows you to select a different drive to store backup files
Back Up Command:
Allows you to specify a backup command that will run at close out
If you have a system that is connected to the internet, the system can email electronic versions of close out reports and a daily status update report. You can specify email addresses for three different people or organizations for close out reports and status updates. The password associated with each password protects the files that are attached. Recipients will need to know the password to open the documents.
Valid Loan Set Up
You can optionally limit users so that they can only make loans that have been configured in the Valid Loan Setup.
When you enter an amount financed and term, the appropriate charges are calculated here for information purposes. If Calculate Even Payments is checked, the calculations will cycle thru until an even payment is calculated. When you arrive at a loan you want to use, click Save and the loan is added to the valid loan list. Additional categories can be added by clicking the button to the right of the field.
Loans can be limited to certain dates by completing the Valid From and Valid To fields.
Printer Setup
Documents can be set to print to default printers and bins on your network. This process is computer specific and should be run on each computer to define the defaults for that particular computer.
Adding Users
Users can be added, changed, or deleted by selecting the Manage Users item on the Other Menu.
The select user field allows you to select a user to edit or delete or you can select [ADD NEW] to add a new user. Once an option is selected you can use the copy from field to copy the settings from another user to the one you are working with or you can manually enter the settings.
Name:
Full Name of the user such as John Doe or Doe, John
User Name:
Name this user will use to access the system like John, JD, etc. The user name must be unique.
SSN:
The user’s Social Security Number
Expires:
Date the user’s access will expire. Leave blank for permanent access
User Password:
The password for this user; the password will not be displayed.
Confirm Password:
Enter the same password again to confirm since you cannot see what you are typing. Both must match.
Assigned Drawer:
Select the user’s assigned drawer. The list will only display active drawers (See Drawer Setup)
Other Drawers: