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The Portfolio section of the Lender module holds the dashboard, the loan accounts, and three refund desks.

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Dashboard

The Dashboard is the landing screen of the module. It reads the portfolio for a business date:
  • Outstanding, current, and delinquent exposure, active loans, and loans in arrears.
  • Portfolio at risk at 30, 60, and 90 days, and the delinquency rate.
  • Delinquency buckets of 1 to 30, 31 to 60, 61 to 90, and over 90 days.
  • The outstanding exposure over recent months, and the movement in the period.
  • The register of delinquent loans, with the borrower ID, the amount in arrears, the days overdue, and the oldest due date. Each row opens its loan account.
When Lender has no figures for a business date, the Dashboard says so and asks you to pick another date. When the figures are older than the freshness policy allows, it marks the snapshot as possibly out of date. See Portfolio and delinquency.

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Loan accounts

Accounts lists disbursed loans in servicing. Filter by the borrower’s full ID, and choose whether to include closed accounts. An account shows one of these statuses, among others: In arrears, Paid off, Written off, Ceded, Ported, Renegotiated, or Reversed. Open an account to read:
  • The installment schedule, the transactions, the charges, and the audit trail.
  • The deferred origination fee, with a check of whether the ledger matches the contract.
  • The credit operation descriptor, including the rates, the CET, and the outstanding amounts, for today or for a past valuation date.
  • The CET disclosure frozen with the contract, the PDD stage and its transitions, and the problem-asset declarations.
An account that no longer takes repayments, prepayments, reschedules, reversals, or charges shows a notice. Its reads stay available.

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Actions on an account

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Refund desks

Three screens list the money that Lender holds for a borrower or a worker and your treasury still has to return. In each one, you record a return that was already paid outside Lender. Lender books it out of the held cash. The entry is permanent. The collection and over-deduction desks need the permission for Consignado operations.