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Frequently Asked Questions and Answers ​

This article lists frequently asked questions and answers.

1. Why did interest stop accruing on the contract? ​

Interest may stop accruing on a contract for several reasons:

  • Legislative restrictions.
  • Credit product settings.
  • Forced stop of interest accrual.

2. Why are penalties not being charged on the contract? ​

Penalties may not be charged for the following reasons:

  • A restriction is set in the credit product settings.
  • Penalty accrual has been stopped for the contract.

3. Why did the contract not get prolonged? ​

Prolongation may not occur for several reasons:

  • Legislative restrictions.
  • Credit product settings (whether prolongation is possible).
  • Incorrect settings for early prolongation or auto-acceptance.

4. How to check accrued penalties (recalculate)? ​

To check accrued penalties, generate the "Penalty Calculation" report, which is located in the "Financial Information" section of the contract.

5. Why is the schedule not recalculated upon partial early repayment? ​

Schedule recalculation is only possible on the scheduled repayment date of the loan. Specific settings are required for correct recalculation:

  1. Prepayment offset method — Interest, Principal to the end.
  2. Schedule recalculation on the scheduled payment date.
  3. Specifying the minimum amount for schedule recalculation in the constants.

6. Where can I see SMS messages sent to the client? ​

The history of sent SMS is stored in the "SMS Mailing" > "All SMS" section ("Admin" tab).

7. Where can I see all client payments? ​

All client payments can be viewed in the "CFS" section. Use the filter by client's full name. Note that if multiple clients have the same name, the selection will include all matching clients.

8. How to get all accrued interest on a contract for a period? ​

Use the "Contract Movement" report from the "Financial Information" section. Apply filters to get the required information.

9. What is a tranche? ​

A tranche is a payment period within the schedule. It is the payment frequency (number of times during the loan term).

10. APR is calculated incorrectly/improperly. ​

APR calculation is affected by:

  • Rounding to a whole NBP (Number of Base Periods).
  • Including fees in the calculation (configured in the credit product).
  • APR calculation based on the interest rate during overdue (configured in the credit product).

Each setting can affect the APR calculation both upward and downward.

11. How to redistribute a payment? ​

  1. Delete the posted operation (instructions).
  2. Make adjustments (more details).
  3. Redistribute the funds.

12. Can I edit a payment? ​

No, a payment cannot be edited. Only deletion and creation of a new payment are possible. CFS deletion is not possible if acceptance has been performed.

13. How to delete a payment? ​

  1. Delete all processes for this payment:
    • In the contract, go to the "Processes" section.
    • Delete operations (instructions).
  2. Go to the "CFS" menu.
  3. Find and delete the required CFS.
  4. Create a new payment.

14. How to find out the cash balance in the cash register? ​

  1. In the "CFS" menu, request a cash register report.
  2. Or use the "Cash Book" report (more details).

15. Who posted the payment? ​

Information can be found in the payment data:

  • The "Created by user" field contains the user login.
  • If "System User" is specified, the payment was created automatically through integration.

16. Who performed the operation? ​

Information is available in the operation data:

  • The "Created by" field contains the user login.
  • If "System User" is specified, the operation was created automatically through integration.

17. Who deleted the client/application/contract? ​

Contact technical support with the user login and the period for which you need to get the data.

18. Who and when edited the client/application/contract? ​

Data is stored in the system logs. Contact technical support or use the paid "Audit" report.

19. How to change the operation date? ​

It is not possible to change the operation date. Deletion and re-posting of the operation is required (instructions).

20. How to delete an operation? ​

  1. Go to the "Processes" section of the contract.
  2. Select the operation and click the trash icon.
  3. Confirm deletion.

Important: You cannot delete a specific operation in the middle of the process list. All processes up to the selected one will be deleted.

21. How to see all clients in the database? ​

Generate the "Client List" report. Users with "Global Access" can see all clients. Others can only see clients from their branch.

22. How to see all contracts in the database? ​

Generate the "Contract List" report. The same rule applies as above.

23. How to see all applications in the database? ​

Generate the "Loan Applications for Period" report. The same rule applies as above.

24. How to find out who is assigned to an application at a specific review stage? ​

Generate the "Application Processing Report". It displays information about all status changes of the application and who set those statuses.

25. Where can I see the reason for application rejection? ​

The rejection reason can be seen in several ways:

  1. In the "Rejection Reason" field in the list form of all applications in the "Applications" tab.
  2. The "Loan Applications for Period" report.

26. Why can't I save changes in the Application? ​

Making changes to an application is configured in the user role and at the stage of the application verification business process. Due to role settings, a user may not have the right to make changes at certain stages.

27. Why can't I see the Client? Application? Contract? ​

You need to check the "Access Level" settings for the user. These settings may restrict data visibility. If the access level is "Specialist", then this user will not see anything except their own created clients/applications/contracts.

28. What is Principal Prepayment? Interest Prepayment? ​

Principal prepayment and interest prepayment are advance partial payments made before the scheduled payment dates according to the schedule.

29. Why is the principal not being repaid if there is a Prepayment on the balance? ​

Prepayment is written off on the loan payment date.

30. What is off-balance? ​

Off-balance is a functionality that allows operation information to not be uploaded to 1C.

31. Why are there two lines with the Prolongation operation in the detailed breakdown? ​

In the detailed operation breakdown, there are two lines with the "Prolongation" operation because one operation is a write-off from the tranche, and the second is a credit to the new tranche.

32. How to change dates in the Schedule? ​

Dates in the schedule can be changed if no disbursement has occurred on the contract. You need to go to the required contract -> Edit -> change the period duration in the Duration of period between repayments block -> Calculate dates. If disbursement has already occurred on the contract, dates in the schedule cannot be changed.

33. Cannot save the client, a message appears: "Client address is not filled in accordance with FIAS" ​

This message appears when the client's address is incorrectly specified. The address must be selected from the dropdown list. If the address is not filled from the dropdown list, this error occurs when saving the client.

34. I entered the wrong password three times, access is blocked for 15 minutes. How can I avoid waiting 15 minutes? ​

The access blocking functionality is specifically designed to prevent attackers from guessing your account password. After entering the wrong password 3 times, the account is blocked for 15 minutes.

35. Cannot save the client, a message appears: "could not execute statement" ​

This error is a core error. The core cannot process the request. For example, the "University" field contains more characters than allowed. Because of this, it is not possible to save changes or create a client.

36. Where can I see emails sent to the client? ​

In the "Admin" tab, there is a "Mailings" feature, and within it there is a report "Sent Email Report". This report displays all information about sent emails.

37. How to change the credit product in an application? ​

You can change the credit product in an application under review, if the user's access level allows it. To change the credit product, edit the application and specify the required credit product in the "Credit Product" field.

38. Can credit history be requested for legal entities? ​

Yes, it can.

39. What to do if a payment is received on a closed contract? ​

A payment cannot be processed on a closed contract because the contract has a "closed" status. However, we have functionality that allows creating CFS on a closed contract, but the payment will not be accepted.

40. Why is the payment on the contract not accepted? ​

To identify the reason for payment non-acceptance, generate the "Complex Processes Report" with the contract mark "YES". In this report, find the corresponding payment and check the "Description" column for the reason why the payment was not accepted. For example:

  • "Do you really want to violate the sequence? (Attempting to create 'Interest Accrual' operation for contract '207' dated 14.05.2017 15:00:00)".
  • "The first repayment date must be greater than the first tranche disbursement date!"

41. How to see what actions a user performed? ​

In the "Users" directory, a user has a "Action Log" menu. In this log, you can view actions that the user performed. The report includes the following data:

  • Report generation.
  • File download from file storage.
  • Password change prompt.
  • Page errors.

You can also view all generated reports that the user created. In the "Basic Reports" section, there is a report "Executed Reports Registration".

42. How to stop interest accrual? ​

If you need to stop interest accrual, this can be done in two ways:

  1. Through the contract:

    • Menu "Contracts" → select the required contract → Financial Information → Adjustments → Stop Interest Accrual.

  2. Through complex processes:

    • Menu "Admin" → Complex Processes → Process Type → Stop Interest Accrual.

The first method is used if you need to stop accrual for one contract, and the second if you need to stop accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

Important to remember:

  • If interest accrual was suspended, when the process resumes, additional accrual for the suspension period is not automatically performed.
  • Interest accrual can be stopped with the current or future date. If you want to stop accrual with a past date, you first need to delete all operations up to the required date, then run the interest accrual stop process, and then post all payments again. However, if reports have already been sent to NBCH or Equifax, this operation cannot be performed.

43. How to resume interest accrual? ​

If you need to resume interest accrual, this can be done in two ways:

  1. Through the contract:

    • Menu "Contracts" → select the required contract → Financial Information → Adjustments → Start Interest Accrual.

  2. Through complex processes:

    • Menu "Admin" → Complex Processes → Process Type → Start Interest Accrual.

The first method is used if you need to start accrual for one contract, and the second if you need to start accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

Important to remember:

  • If interest accrual was suspended, when the process resumes, additional accrual for the suspension period is not automatically performed.
  • Interest accrual can be started with the current or future date. If you want to start the process with a past date, you first need to delete all operations up to the required date, then run the interest accrual start process, and then post all payments again. However, if reports have already been sent to NBCH or Equifax, this operation cannot be performed.

44. How to stop penalty accrual? ​

If you need to stop penalty accrual, this can be done in two ways:

  1. Contracts menu → select the required contract → Financial Information → Adjustments → Stop Penalty Accrual.
  2. Admin menu → Complex Processes → Process Type → Stop Penalty Accrual.

The first method is used if you need to stop accrual for one contract, and the second if you need to stop accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

More details: here

Important to remember:

  • If penalty accrual was suspended, when the process resumes, additional accrual for the suspension period is not automatically performed.
  • Penalty accrual can be stopped with the current or future date. If you want to stop accrual with a past date, you first need to delete all operations up to the required date, then run the stop process, and then post all payments again. However, if reports have already been sent to NBCH or Equifax, this operation cannot be performed.

45. How to resume penalty accrual? ​

If you need to resume penalty accrual, this can be done in two ways:

  1. Contracts menu → select the required contract → Financial Information → Adjustments → Start Penalty Accrual.
  2. Admin menu → Complex Processes → Process Type → Start Penalty Accrual.

The first method is used if you need to start accrual for one contract, and the second if you need to resume accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

More details: here

Important to remember:

  • If penalty accrual was suspended, when the process resumes, additional accrual for the suspension period is not automatically performed.
  • Penalty accrual can be started with the current or future date. If you want to start the process with a past date, you first need to delete all operations up to the required date, then run the process, and then post all payments again. However, if reports have already been sent to NBCH or Equifax, this operation cannot be performed.

46. How to stop fee accrual? ​

If you need to stop fee accrual, this can be done in two ways:

  1. Contracts menu → select the required contract → Financial Information → Adjustments → Stop Fee Accrual.
  2. Admin menu → Complex Processes → Process Type → Stop Fee Accrual.

The first method is used if you need to stop accrual for one contract, and the second if you need to stop accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

Accrual can only be stopped for fees with the following attributes:

  • At each repayment (at first processing).
  • At each repayment (on the last day of the tranche).
  • At each repayment (in parts).
  • At the end of the term (on the last day of the tranche).

Important to remember:

  • We get the total number of days in the tranche for accrual, then from this period we determine how many days until the accrual stop. If these two values differ, a portion of the total fee amount is taken as the accrual amount in a proportional ratio.
  • Note that for fees with the attribute "At each repayment (at first processing)", fees are accrued for the entire tranche at first processing. Therefore, if processing has already been performed and the fee amount has been accrued for the current tranche in full, there is no point in stopping fees on this tranche (the stop will only apply to the next tranche).

47. How to resume fee accrual? ​

If you need to resume fee accrual, this can be done in two ways:

  1. Contracts menu → select the required contract → Financial Information → Adjustments → Start Fee Accrual.
  2. Admin menu → Complex Processes → Process Type → Start Fee Accrual.

The first method is used if you need to start accrual for one contract, and the second if you need to resume accrual for a selection of contracts. Filters for defining the selection are provided in the complex processes functionality.

Accrual can only be resumed for fees with the following attributes:

  • At each repayment (at first processing).
  • At each repayment (on the last day of the tranche).
  • At each repayment (in parts).
  • At the end of the term (on the last day of the tranche).

Important to remember:

  • We get the total number of days in the tranche for accrual, then from this period we determine how many days until the accrual stop. If these two values differ, a portion of the total fee amount is taken as the accrual amount in a proportional ratio.
  • Note that for fees with the attribute "At each repayment (at first processing)", fees are accrued for the entire tranche at first processing. Therefore, if processing has already been performed and the fee amount has been accrued for the current tranche in full, there is no point in stopping fees on this tranche (the stop will only apply to the next tranche).

48. How to create a new collateral type? ​

To create a new collateral type, you need to create a new collateral in the "Collateral Types" directory. Additionally, you can add collateral properties by clicking the "Add" button. In the opened fields, you can specify the document or collateral properties (filled according to the organization's needs). You can also configure whether the field is mandatory and its visibility.

You can also add a collateral type property to an already created type by simply clicking on the row and adding properties.

49. How to complete a lead? ​

Changes can only be made to a lead if no verification has been performed on the lead. To make changes or additions to a lead:

  1. In the "Leads" section, find the required lead.
  2. Click the "Edit" button.
  3. Make changes and submit the lead for verification.

50. How to view lead arrivals for a specific time period? ​

To view received leads in the Brainysoft system:

  1. In the "Admin" tab, open the "Leads" menu.
  2. Set the required time period and generate the data.

You can also generate a report in Excel:

  1. In the "Leads" tab, go to the "Lead Report" menu.
  2. Set the required time period.
  3. Generate the report.

51. How to create an external CFS movement? ​

For the Brainysoft platform, CFS (Cash Flow Statement) is a tool that records payment receipt before distribution by expense and income items. In the "CFS" section, you can see all created CFS both for contracts and external movements. The "accepted" attribute is indicated. You can also upload a bank statement from this menu.

External CFS is the company's business activity (for example, salary payment, accountable person payment). All information about the company's cash flow is displayed in the "Cash Book" report.

To create an external CFS movement:

  1. Go to: CFS → Create → External CFS.
  2. Fill in all required fields in the opened form.
  3. After filling in all fields, click the "Save" button.

Important: You also need to fill in the "Accounts" directory to be able to create external CFS. More details: here

52. How to remove unnecessary fields in the client form? ​

The software functionality allows you to configure the display of required client form fields. For this, the Brainysoft software has a "Model Editor" section, which is located in the "Admin" menu.

How to configure field display:

  1. In the model editor, select the required entity (Client/Application/Contract).
  2. Make changes to field display or mandatory filling.
  3. Save the changes.

More detailed information: here

53. What to do if a print form is not exported? ​

A print form may not be generated for several reasons. It is not possible to identify these reasons independently. You need to create a request to technical support and specify which print form you want to generate.

Important!

  • Do not try to export the form again until a technical support representative responds.
  • To receive a better and faster solution to your problem, attach a screenshot of the error that appears on your screen.

54. How to check a client against RFM? ​

The Russian Financial Monitoring (RFM) check is a check against the database provided by the Federal Financial Monitoring Service of Russia. The check is performed against the database of invalid passports and the database of terrorists. This is a mandatory procedure for the company.

Important to know: Passport verification is only performed against the database of invalid passports. Even if you enter incorrect passport data, and it is not in this database, the check will be passed.

There are 4 options for checking a client against RFM:

  1. Mandatory RFM check can be configured in the DMS (Decision Making System): Admin → E-commerce → Decision Making System.
  2. In the client card on the right, all check results will be displayed. You can also update the RFM check by clicking on the refresh icon in the RFM check results window.
  3. When creating an application.
  4. After updating the RFM directory, clients are automatically checked against the RFM database.

55. How to check a client in the FSSP database? ​

Client verification in the FSSP database can be done in two ways:

  1. Manual check:

    • Select the client → Client section → "Check" menu → "Check in FSSP" → Select region → Click "Search".

  2. Automatic check: Our specialists can configure automatic FSSP verification through the DMS (Decision Making System). To do this, contact the sales department to clarify the terms of purchasing this feature.

Search is performed when the following parameters match: Full name + date of birth + registration region.

56. How to set up automatic FSSP verification? ​

For FSSP to work in the DMS, you need to generate an FSSP API token. To obtain an access token, follow these steps:

  1. Register on the FSSP portal at: https://api-ip.fssprus.ru/register.
  2. During registration, specify:
    • Email address (a confirmation email will be sent to this address).
    • Name of the organization using the API.
    • Phone number (any).
    • Purpose of connection (any).
  3. After registration, an email will be sent to the specified email address. Follow the link in the email to confirm registration. You will be issued a token (key) and the expiration date will be indicated. Token data will also be duplicated to the specified email address.
  4. During the validity period of the key (and after its expiration), you can generate a new token. In this case, the expiration date will change (don't forget to change it in the module settings).

Important: The obtained token must be provided to your technical support manager, who will perform further configuration. This functionality is paid.

57. How to charge a state duty on a contract? ​

State duty on a contract can be charged with a simple operation in the required contract:

  1. Open the required contract → Financial Information → Adjustments → Simple Operation.
  2. In the "Amount Type" field, select "State Duty".
  3. Fill in all required fields.
  4. Click "Create Operation".

58. How to process repayment of a specific amount type? ​

Repayment of a specific amount type can be processed with a simple operation (repayment operation):

  1. Open the required contract → Financial Information → Adjustments → Repayment Operation.
  2. In the "Amount Type" field, select the required amount.
  3. Fill in all mandatory fields.
  4. In the "Available Tranches" block, click "+" on the required tranche.
  5. Click "Create Operation".

59. Where can I see information about 1C export history? ​

Information about 1C export history can be viewed as follows:

  1. Go to the "CFS" menu.
  2. In the "Export History" section, select "PKO/RKO to 1C".

Important: This section is for informational purposes. It shows a list of exports that were made to 1C, indicating the date and export number. Export history by operations is also displayed.

60. How to configure fields in collateral? ​

Field display in collateral can be configured in the "Collateral Type" directory.

61. How to change collateral in an application? In a contract? ​

To change collateral in an application or contract:

  1. Go to the "Applications" or "Contracts" menu.
  2. Select the required application or contract.
  3. In the "Collateral" section, you can delete the current collateral, add a new one, or add another one.

62. How to add co-borrowers? ​

To add co-borrowers:

  1. Go to the "Clients" menu.
  2. Create a new client by filling in the form. In the "Client Type" field, specify "Co-borrower".
  3. Go to the application of the client for whom the co-borrower was created.
  4. In the "Collateral" section, add the "Co-borrowers" field, selecting the created co-borrower.

63. How to access the calculator? ​

To access the calculator:

  1. Go to the "Applications" menu.
  2. In the upper right corner, find the calculator icon and click on it.
  3. In the opened window, specify the loan amount.
  4. Select the credit product (when selecting a credit product, some fields are filled in automatically).
  5. Specify the tranche period and tranche term.
  6. Be sure to click on the text "Calculate dates".
  7. After filling in all fields, click the "Calculate schedule" button.

64. How to use the calculator? ​

Before disbursing a loan to a borrower, it is possible to generate a payment schedule for a credit product using the credit calculator.

65. What is monitoring in a client? ​

Client monitoring is used to create a connection between a client (or group) and a credit officer. It is used when generating many reports. Client monitoring is created automatically when a new client is created.

66. How to view batch process/processing results? ​

To view batch processing results, follow these steps:

  1. Go to the "Admin" menu.
  2. Open the "Information on running batch processing tasks" section.
  3. This section contains complete information about processes.

67. What does the sequence violation error mean? ​

The sequence violation error means that an operation is being performed with a date earlier than the last operation on the contract.

68. How to create guarantors? ​

To create guarantors:

  1. Go to the "Clients" menu.
  2. Click "Create Client".
  3. Fill in the form, specifying "Guarantor" in the "Client Type" field.

69. How to add a guarantor to an application? ​

To add a guarantor to an application:

  1. Go to the application of the client for whom the guarantor was created.
  2. In the "Collateral" section, add the "Collateral" field, selecting the created guarantor.

70. Can I add a new column to a report? If so, how? ​

The "Additional Fields for Reports" directory is used to add additional columns to a report.

Important to remember: Not all reports allow you to add a required column independently.

To add a new column to a report:

  1. Click the "Create" button.
  2. Fill in the column name.
  3. Specify the report class. You can find it from the report link in the URL. Example:
  4. Specify the column width (approximately 6000).
  5. Specify the value you want to display. For example:
    • Loan specialist: contract.getCreditOfficer().getName()
    • APR at disbursement: contract.getFullCostOfCredit()
  6. Specify the display order in the report. This order will only apply to additional columns.
  7. After filling in all data, click the "Save" button.
  8. After saving, check the column output in the report.

Important: Review the list of reports that support additional fields: here