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  5. Program for accounting of credits
Rating: 4.9. Number of organizations: 128
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Countries: All
Operating system: Windows, Android, macOS
Group of programs: USU Software
Purpose: Business automation

Program for accounting of credits

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Program for accounting of credits - Program screenshot

The program of accounting credits is one of the configurations of the USU-Soft system of organizations related to credits - issuing credits and/or controlling their repayment. The software independently keeps track of credits - the program automates all operations related to credits, including the processing of settlements for payments, building a repayment schedule, control over terms, etc. The first requirement of the program of accounting of credits is the registration of the applied client in CRM, which is the client database and performs all the functions included in the arsenal of this convenient format. It should be noted that in the program of accounting of credits, several databases are formed to systematize the information entering the accounting program. The information differs in purpose, but is of interest from the point of view of the characteristics of working operations. All databases in the program of credit accounting have the same structure in the presentation of information, although they differ in their content.

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The presentation is convenient and clear - the upper half contains a line-by-line list of all positions with common characteristics, the lower half contains a tab bar. Each tab gives its description of the parameters or operations in its title. Moreover, the program of accounting of credits unifies all electronic forms in general, which provides users with significant time savings and convenience in filling them out, since there is no need to switch attention from one format to another. And information management in these forms is also performed by the same tools, of which there are three - contextual search, multiple grouping, and a filter by a given criterion. The program of credits accounting provides special forms for entering data - the so-called windows, through which participants are registered in the database. The CRM section is a client window, for an item - a product window, for a credits database - an application window, etc. These forms successfully perform two tasks - they speed up the procedure of entering data into the program of credits accounting and form a mutual relationship between these data. Thanks to this the introduction of false information is excluded, since the indicators calculated by the accounting program, being interconnected, lose their balance when inaccuracies or knowingly false data are entered by unscrupulous employees, which immediately becomes noticeable. In this way, the program of credits accounting protects itself from user errors.


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If we talk about credits, then you should describe the work of the manager in the program. As noted above, there is a credit database in the program. Each new credit is entered through the completion of the application window of the borrower. It is also necessary to say how the windows speed up the data entry procedure - due to the special format of the fields for filling, built into the window, where in some there is a drop-down menu with answer options for the employee so that he or she chooses the appropriate case, and in some there is a present link to go for the answer to one of the databases. Therefore, the employee does not type data from the keyboard in the program of loans accounting, but selects ready-made ones, which, of course, reduces the time for adding information to the accounting program. Only the primary data that are absent in the accounting program are entered manually. When applying for a loan, first indicate the borrower, choosing him or her from the CRM section, where the link from the corresponding cell leads. If the borrower does not apply for the first time and even has a valid loan, the accounting program automatically enters in other fields to fill in the information already known about him or her, which the manager must sort by choosing the desired value. The application chooses the interest rate and payment procedure - in equal installments or interest with full repayment at the end of the term. In the case of an existing loan, the accounting program independently recalculates payments, taking into account the addition, and issues a payment schedule with new amounts.

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Program for accounting of credits

In parallel, the program generates the necessary agreements and applications, cash orders and other documentation that is then signed by the client - independently, taking into account the information provided in the accounting program, pointwise choosing from the mass exactly what is relevant to the given borrower. Even if at this moment several loans are being obtained from several managers, the program of loans accounting does everything as it should and without errors. Communication between different services is supported by an internal notification system - the cashier receives a message from the manager that pops up in the corner of the screen asking him or her to prepare the loan amount that has just been issued and sends the same notification when everything is ready. Accordingly, the manager sends the client to the cashier, he or she receives the money, and the status of the new loan changes, fixing its current state, visualized in a certain color. All loans in the database have a status and color to it, thanks to which the employee visually monitors his condition, which, in turn, saves working time and speeds up other processes.

Statuses and colors change automatically based on information that employees add to their work logs when performing duties and within competencies. When new data arrives in the program, the indicators that relate to these data are automatically recalculated that, and the statuses and colors are automatically changed. Color indication is used in the program to visualize indicators - not only the readiness of work, but also the degree of achievement of the desired result and quantitative properties. The program independently generates all the current documentation of the organization, not only for obtaining a loan, but also financial statements, security tickets and various acts. The program independently performs any calculation, including the accrual of remuneration to personnel, credit interest, penalties, payments, taking into account changes in the current exchange rate. If the loan is issued in national currency, but its amount is expressed in foreign currency, then if the current rate deviates from the specified one, payments are automatically recalculated.