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| Revenue Tracking System: |
The Revenue Tracking System (RTS) is a comprehensive revenue management and tracking for local communities, cities and county governments. |
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| Loan Review Management: |
This program utilizes a relational database as a tool to input, store, and manage data about loans. One of the many time consuming tasks we, as lenders or loan review personnel, all have to address, virtually on an on-going basis, is the current status of our loans. As we perform our tasks acting in the capacity of one of these positions |
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| Charge-Off Tracking System: |
The Charge-off Tracking system maintains a parallel bank to track the charged off accounts. When an account is charged off in banker, the account information is placed in a warehouse to be moved to a different “bank”. We move all information on the account, including available history, this allows the bank to continue the collection effort on these accounts while removing them from the ledger. |
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| Collection Tracking System: |
This is a concise collection support system which tracks and reports the collection effort on past due accounts. This is a database application which is loaded each day from the BANKER files to reflect the current status of each account in the collection process. We track and report on the promises made and those kept or broken. We can monitor and report on the productivity of each collection officer. |
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| Account Level Profitability System: |
This is a parallel accrual system, which tracks the actual interest earned (or paid) on an account and the cost of funds for the account. This is done at the account level, so the bank can consolidate the accounts by Branch, Officer, Product or Household and provide a compressive summary of the net profit by these groups. This system utilizes the “average life” of a loan to determine the shadow interest rate to use as a cost of funds. We have the rates for overnight funds, 1, 3, 6 and 12 months indexes, 2 through 10 years and 15, 20, 25 and 30 year indexes from 1990 forward, so we can reprice the loan form date taken to current date. |
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| Banker CIF Information Setup: |
BANKER Release 5.1 has an improved CIF record (DDP-INFO) however the upgrade / conversion effort failed to properly load the file with the information for each individual on the accounts. We have developed a series of programs to look at all social security numbers on the accounts and create a DDP-INFO record for each. Also, we are currently working on creating a DDP-INFO record for each household on BANKER. Once this information is captured, you can see a better picture of the customer and his/her relationship with the bank. |
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CSFi ATM/POS On-line
Authorization Interface:
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We are developing an interface for CSFi for Real/Time authorization of ATM/POS transactions. This interface checks the available balance, creates an approval / disapproval response. If the authorization is approved, we update the available balance and places an entry in the TODAY-TR file so the 206 Screen will reflect the cause for the change to the available balance. The system also reconciles the approved authorizations with the actual transactions received, and after the nightly update, memo post the outstanding authorizations. The bank will provide the number of days to retain the outstanding authorization before dropping it from the system. |
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