Treasury Center Loans - M&T B

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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



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)

• PDF

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)

• PDF



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



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.



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



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.



Make a Payment Example:

Loan Account

Invoice



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.


6. Enter Next Payment Amount.

7. Select if the amount should apply to Principal Only or Interest.


9. Click Submit.



Make an Additional Principal or Interest Payment Example:

Loan Account



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.


6. Enter the desired Amount.


8. Click Submit.

Loan Draw example:



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.



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.



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).



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



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



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

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Treasury Center Loans - M&T B