Loan Tracking

Overview

This guide covers viewing and monitoring loan accounts during servicing. The Loans directory provides access to all active loans with detailed information across multiple tabs.

Navigation: Loans (main menu)

Loan Account Interface

Each loan account provides access to detailed information through tabs:

Tab	Purpose
Credit Data	Payment schedule with due dates, amounts, and status indicators
Calculation Details	Loan calculation breakdown and accounting operations
Payments	Payment records and distribution across obligations
Accruals	Interest and fee accruals
Transactions	All incoming and outgoing transactions
Covenants	Covenant monitoring results
Anchored Metric	Baseline metrics captured at loan creation
Covenant Archive	Historical covenant execution results
Participants	Borrowers and other participants

Note: Projects may have additional tabs based on business process specifics (e.g., interest accrual suspension/resumption, credit limit revaluation).

Loan Overview Interface

Loan servicing overview interface

The system displays key loan information:

• Loan Status: Active, Void, Past Due, or other configured statuses

• Status Labels: Additional indicators (e.g., In Default, Interest Accrual Suspended, Payment Holiday)

• Loan Details: Amount, term, interest rate, schedule type (varies by product)

• Current Information: Last payment date, past due days, principal balance (project-specific data set)

• Navigation Tabs: Organized access to detailed loan information

Viewing Loan Details

Accessing a Loan

1. Navigate to Loans in the main menu

2. Use filters to find the loan

3. Click on the loan to open details

Note: Available filters are configured per project.

Credit Data Tab

Displays the loan payment schedule:

• Due dates and payment amounts with details

• Payment status indicators

• Historical payment information

Color coding:

• Green: Completed payments

• Red: Past due amounts

• Gray: Future scheduled payments

Calculation Details Tab

Contains detailed accounting information about loan state and changes:

• List of all accounts for loan obligation tracking

• Past due transfer operations

• Disbursement and repayment operations

• Interest and fee accrual operations

• Bad debt write-off operations

All operations are detailed by obligation accounts.

Accruals Tab

Displays information on accrued interest and other obligations:

• Accrual base amount

• Accrual period

• Interest rate

• Day count method

Transactions Tab

Displays all loan transactions (incoming and outgoing):

• Transaction direction (incoming/outgoing)

• Amount and timestamp

• Payer information

• Linked payment ID

• Initiating service

• Payment method

• Description

Available actions (with permissions):

• Cancel transaction

• Register Chargeback

Note: Transaction action availability depends on loan and transaction state per project configuration.

Payments Tab

Displays all payments including voided:

• Payment ID

• Amount and date

• Payment status

• Distribution details across loan obligations

Available actions (with permissions):

• Change payment application date

• Refund payment (full or partial) — creates outgoing transaction

Participants Tab

View all parties associated with the loan:

• Borrower information

• Co-borrowers (if applicable)

• Guarantors (if applicable)

• Collateral providers (if applicable)

Covenants Tab

Displays latest covenant execution results for the loan's credit product:

• Covenant name

• Execution result: Clean, Violation, Exception

• Execution date

Available actions (with permissions):

• Resolve Violation

• Request covenant recalculation

See Covenant Monitoring for detailed operations.

Covenant Archive Tab

Historical record of all covenant executions:

• All covenant runs

• Execution results

• Historical timeline

Anchored Metric Tab

Displays baseline metrics captured at loan creation:

• Metric names

• Current values

• Capture dates

Available actions (with permissions):

• Modify anchored metric value

Account Monitoring

Daily Monitoring Tasks

1. Navigate to Loans directory

2. Review loan list with current status

3. Identify loans requiring attention:

   • Past due loans

   • Upcoming payments

   • Covenant violations

4. Click on specific loans to view details

Finding Specific Loans

Use available filter options:

• Loan ID or reference number

• Borrower name

• Status filter

• Date range filters

• Product type

Note: Filter set is configured individually per project.

Common Scenarios

Reviewing Loan for Customer Inquiry

1. Navigate to Loans

2. Filter by borrower name or loan ID

3. Open loan details

4. Review relevant tabs based on inquiry:

   • Credit Data for payment schedule

   • Payments for payment history

   • Participants for contact information

Checking Past Due Status

1. Filter loans by past due status

2. Review list of overdue loans

3. Open individual loans to see:

   • Days past due

   • Amount overdue

   • Last payment received

Preparing for Collection Call

1. Open the borrower's loan

2. Review Credit Data tab for schedule

3. Check Payments tab for recent activity

4. Note past due amount and duration

5. Review Participants tab for contact info

Best Practices

Daily Operations

• Review portfolio status each morning

• Prioritize past due accounts

• Document all customer interactions

• Follow up on pending items

Data Accuracy

• Verify loan information before customer communications

• Cross-reference multiple tabs for complete picture

• Note any discrepancies for investigation

Troubleshooting

Loan Not Found

Possible causes:

• Incorrect loan ID

• Loan in different status/category

• Permission restrictions

Resolution: Check filters, confirm access permissions.

Missing Tab Data

Possible causes:

• Data not yet processed

• Tab not configured for loan type

• System synchronization delay

Resolution: Refresh page, wait for processing, contact administrator if persistent.

Related Topics

• Payments - Processing and managing payments

• Transactions - Transaction management

• Covenant Monitoring - Covenant compliance tracking

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For additional support, consult your supervisor or system administrator.