treasury center loans - m&t b
TRANSCRIPT
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Treasury Center S M Loans
USER GUIDE
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —1—
TABLE OF CONTENTS
LOANS ............................................................................................. 2
BALANCE REPORTING .................................................................. 3
LIST VIEWS ..................................................................................... 4
MAKE AN INVOICE PAYMENT ....................................................... 6
PAY ADDITIONAL PRINCIPAL OR INTEREST .............................. 8
LOAN DRAW ................................................................................. 10
TRANSACTION STATUSES ......................................................... 11
DUAL APPROVAL ......................................................................... 12
CREATING APPROVAL STRUCTURES ...................................... 13
CREATING LOAN PAYMENT AND DRAW REPORTS ................ 15
CONTACT US................................................................................ 16
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —2—
LOANS
Treasury Center allows you to access information about your commercial loan accounts. There is also the ability to make
payments and loan draws. The options available include:
Balance Reporting
Menu Option Description
Current Day View current day balance information and transaction activity. Displays account grand and sub totals
Account Groups Create account groups. Groups display balance information and transactional activity including grand and sub totals.
Transaction Search Find a specific transaction or a group of transactions
Note: Export format options include:
• CSV (Comma Separated Value)
Payments and Draws
Widget Description Data Retention Period
Module Availability (ET)
Payment List View Make a loan payment on an invoice 200 days 7:00am – 7:00pm ET Monday - Friday
Pay Additional Principal or Interest
Make an additional payment of principal and/or interest on commercial loan 200 days 7:00am – 7:00pm ET
Monday - Friday
Loan Draw Submit a loan draw on an eligible commercial line of credit 200 days
7:00am – 7:00 pm ET 7:00am – 3:00pm ET * Monday - Friday
*3:00pm ET is the cutoff for loan draws that must be reviewed by M&T Bank
Notes: Loan Payments entered after hours will be processed on the next business day. All times are Eastern Time zone.
Export format options include:
• CSV (Comma Separated Value)
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —3—
BALANCE REPORTING
The Account Summary widget allows you to view summary and detail information regarding your commercial loan accounts.
Currently Loan Reporting is only available through Current Day.
1. Click Current Day. Summary information is displayed by default.
2. To view the transaction detail for a specific account, click on the account number located in the Account # column.
4. To generate a Summary report, select the Print Icon. This will generate the report in PDF format, which can be printed
and/or saved.
5. To export results, click the Export icon and choose your desired format.
Note: Grand Totals only reflect the accounts that are displayed in the data table.
Previous Day Summary Example:
Account Summary Fields Include:
• Balance As Of • Account Name • Account Type
• Account Number • Bank Name • Commitment Amount
• Principal Balance • Credit Available • Interest Rate
• Obligation Payment Due
Treasury Center Loans USER GUIDE
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LIST VIEWS
Throughout Treasury Center and, especially important, Balance Reporting is our List View Feature. Data tables such as Current
Day Summary allow you to configure the columns displayed, column order, apply filters (e.g. credits only, date range, etc.). List
View allows you to then name and save unlimited views for future use. For each data table you can choose what the default
List View is when accessed.
List View Components can include Filter, Settings, Column Order.
Filter – located above data tables on the left-hand side. Note: filter options vary by data table. Multiple filters can be applied
and saved to a single List View (e.g. Month to Date and Credits Only).
1. Click the Select fields dropdown.
2. Select desired filter option.
3. Click Apply.
Settings – locate in the upper-right hand corner of the data table (cog wheel icon). Note: column options vary by data table.
1. Click the Settings icon.
2. Click desired column option(s) checkbox to display or click already checked column option(s) checkbox to hide.
3. Click Update.
4. You can rearrange the order of columns by clicking on a column and dragging it to your desired location.
Saving List View - located above the data table on the right-hand side.
1. Click the List View dropdown. Click +Save View.
2. Type in a name for your List View.
3. Click Go. Your List View has been saved.
4. Click Set As Default if you wish that List View be the default view for that data table.
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —5—
List View Example:
1
1. Filter – in this example Month to date and Credit Only filters have been applied 2a. Cog wheel icon opens column settings 2b. Update or Cancel options for column settings 3. List Views – where to save List Views or access already created List Views
2b
2a
3
Treasury Center Loans USER GUIDE
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MAKE AN INVOICE PAYMENT
From the Payment List View widget users can initiate same-day or future-dated loan payments. Payments can be submitted
same day from 7:00am – 7:00pm ET.
1. Click Add New Payment.
2. From Select a Payment Type, click the dropdown > select Loan Payment > click Continue.
3. Choose your payment account by selecting From Account dropdown.
4. Choose the Loan Account you want a make a payment on from the Loan Account dropdown.
5. From Pay select Invoice Amount.
6. Select your Value Date for the payment. Payments can be future dated up to 45 days.
7. The applicable amounts of the invoice will be displayed and are not editable.
8. Add Customer Reference and/or Comments if desired.
9. Click Submit.
Treasury Center Loans USER GUIDE
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Make a Payment Example:
Loan Account
Invoice
Treasury Center Loans USER GUIDE
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PAY ADDITIONAL PRINCIPAL OR INTEREST
From the Payment List View widget users can initiate same-day or future-dated loan payments. Payments can be submitted
same day from 7:00am – 7:00pm ET. If your loan is eligible you may be able to pay additional principal or interest.
1. Click Add New Payment.
2. From Select a Payment Type, click the dropdown > select Loan Payment > click Continue.
3. Choose your payment account by selecting From Account dropdown.
4. Choose the Loan Account you want a make a payment on from the Loan Account dropdown.
5. Select your Value Date for the payment. Payments can be future dated up to 45 days.
6. Enter Next Payment Amount.
7. Select if the amount should apply to Principal Only or Interest.
8. Add Customer Reference and/or Comments if desired.
9. Click Submit.
Treasury Center Loans USER GUIDE
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Make an Additional Principal or Interest Payment Example:
Loan Account
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —10—
LOAN DRAW
From the Payment List View widget users can initiate loan draws. Payments can be submitted same day from 7:00am –
7:00pm ET. *3:00pm ET is the cutoff for loan draws that must be reviewed by M&T Bank
1. Click the Add New Payment.
2. From Select a Payment Type, click the dropdown > select Loan Draw > click Continue.
3. Select the Value Date of the draw.
4. Select To Account, to choose the account you wish to have the funds drawn to.
5. Select your Value Date for the payment. Payments can be future dated up to 45 days.
6. Enter the desired Amount.
7. Add Customer Reference and/or Comments if desired.
8. Click Submit.
Loan Draw example:
Treasury Center Loans USER GUIDE
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TRANSACTION STATUSES
In the Payment List View widget, the following status might appear to indicate where your payment or draw is in its lifecycle:
Status Description
Entered Entered without errors, ready for approval workflow. Can be modified or deleted.
Incomplete Saved in an incomplete status, for later completion. Not available for workflow. Can be modified or deleted.
Needs Repair Needs repair, usually due to an error in a file import validation.
Incomplete Approval Currently in approval workflow. Not available for modification or deletion.
Approved Approval workflow complete. Not available for modification or deletion. Ready to be picked up by M&T Bank.
Approver Rejected Rejected by approver. Not available for workflow. Can be modified or deleted.
Deleted Deleted. Not available for workflow or modification.
Approval Window Passed Payment did not get sent out; it was not approved before the cutoff time.
Bank Received Received by M&T Bank. Not available for deletion or modification.
Bank Confirmed Confirmed by M&T Bank. Not available for deletion or modification.
Rejected Rejected by M&T Bank. Not available for workflow, deletion, or modification.
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —12—
DUAL APPROVAL
Dual Approval security controls can be made mandatory for Loan Payments and Loan Draws. This extra level of security
requires that a separate user other than the originator review and approve submitted account transfers before they are
processed.
Once a loan payment or draw has been submitted, users with the necessary entitlements can review and act on the pending
requests from the Payment List View widget summary grid. Users can Approve or Delete pending items one at time, multiple
items or all items at one time.
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —13—
CREATING APPROVAL STRUCTURES
Treasury Center offers customers Dual Approval for loan payments and draws, which means at least one Treasury Center user
initiates the payment and a different Treasury Center user approves the payment. For customers that want additional control
and approval workflows Treasury Center offers the ability to create, save and manage Approval Structures.
From the Approval Structure Maintenance widget:
Step 1 of 2 – Payment Methods and Accounts
1. Click Add Approval Workflow.
2. Enter a Panel Workflow Code (the name of the workflow) and a Description.
3. You can choose to create this Approval Structure to apply to one, multiple, all Payment Methods, or a specific payment
Template(s).
4. Select the desired Entry Method.
5. Select the desired Account(s).
6. Click Continue.
Step 2 of 2 – Threshold Amounts and Approvers
1. Enter a Threshold Amount.
2. Select an Approval Sequence.
• Fixed All – Payments must be approved in the exact order of Approver Names
• Fixed First – Any user(s) designated as Approve Name 1 must always be the first to approve a payment
• Fixed Last – Any user(s) designated as the last Approver Name must be the last to approve a payment
• Not Fixed – Payments can be approved in any order of Approver Names
3. Select as many Approver Names as desired. Note: Users are designated an Approver Name in Step 1 of 4 in User
Administration.
4. Click Save.
Note: You can add additional Approvers to a Threshold, additional Approver Sequences to a Threshold and/or additional
Thresholds.
An example of Step 2 of 2 Threshold Amounts and Approvers is shown on the next page (page 14).
Treasury Center Loans USER GUIDE
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Approval Structure Example:
• The Threshold Amount is set at $50,000.00.
• If a payment is submitted for under $50,000 with this Approval Structure, it requires one user designated as Supervisor and one user designated Manager to first approve the loan payment – order of Approver name does not matter for Approver Name 1 and 2
• Once the payment has received approval by both a user designated as Supervisor and a user designated as a Manager, the last approver must be made by a user designated as SVP
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —15—
CREATING LOAN PAYMENT AND DRAW REPORTS
The Payment List View Widget lists allows you to efficiently view, manage and create reports of all your loan payments and/or
draws. From this widget you can create and save List Views for future use based on criteria such as date, date range, sending
account, payment status, etc. and determine what columns and column order you want displayed. Payment Summary and
Detail views can be exported or printed as a PDF report as well.
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2
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1. Filter – by date, date range, sending account, status, etc.
2. View individual loan payment details – from the detail view you can print or export the payment details
3. Choose which columns are displayed or hidden
4. Print or export loan payment and/or draw summary
3
Loans
Treasury Center Loans USER GUIDE
Equal Housing Lender ©2021 M&T Bank. Member FDIC. —16—
CONTACT US
WE ARE HERE TO ASSIST YOU.
For Treasury Center questions or other Treasury Management services, please contact your Treasury Management
Consultant or call M&T’s Treasury Management Service Team at:
1 (800) 724-2240
MONDAY – FRIDAY 8AM TO 6PM ET