User Manual for COS

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


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

ftp://192.168.103.3/CRD/Credit Operation System/

ftp://192.168.103.3/CRD/Credit Operation System/


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


- 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


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


- 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.


- 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


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


- After providing all the information, click save button to save data.

To get Insurance Report

- Click on Report

-

To Check the Report


- 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.



6. Vehicle Insurance Report (mandatory for all Hire Purchase / Vehicle Loan)


- 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


- 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


- 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.


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


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


- 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 Nepali Month and Click on Show Report (it will show last month excess overdue

report of the branch)

Click on Excess

Review/ Overdue

Report


- - 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)


- 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)


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.


9. HP Overdue Report


- 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


- 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)


- 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).


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


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.


-

- 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


- 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


- 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


- Search client name by clicking search button

Click on Account

Information


- - Select Client name click on Select Button

- - Click on Other information tab

Click on Limit

History Button to

show limit history


- - 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

ftp://192.168.103.3/CRD/


- Click on Ok Button

- Click on large button (upper left corner with setup pic)

Click here

to start

installation


- 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.


- Back to Credit Operation System Folder

- Right click on COS.exe and create Short on Desktop


- 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)

User Manual for COS

Documents

credit operation system

update cos

credit information search

crdcredit operation

cos user creation

stock report

building insurance report

stock insurance