Cooperative operations reference

TASETEMCO Workflow Guide

A staff onboarding reference for cooperative users, access levels, transaction flow, approvals, and ledger-driven reporting.

Access control

Recommended User Levels

Best practice is to give every staff member an individual login and assign only the access needed for their role.

Role Membership Deposits / Share Capital Loans Teller Cash General Ledger Reports Users / Security Audit Trail
System Administrator View View View View View View Admin View
General Manager View View Approve View View Approve None View
Accountant / Bookkeeper View Review Review Review Post Prepare None View
Loan Officer View View Process None None View None None
Credit Committee / Approver View View Approve None None View None View
Teller / Cashier View Process Collect Process None Own Batch None None
Membership Officer Process None None None None View None None
Auditor / Compliance Officer View View View View View View View Admin
Board / Read-Only Executive Summary Summary Summary None None View None None

Operating flow

Core Cooperative Workflows

Member Application

  1. Membership Officer encodes application.
  2. Application is submitted for approval.
  3. Initial share capital is collected.
  4. Authorized officer activates membership.

Teller Transaction

  1. Teller selects active member account.
  2. Transaction is encoded and validated.
  3. Receipt is issued.
  4. Transaction stays in teller batch until posting.

Loan Application

  1. Loan Officer prepares application.
  2. Credit standing and existing balances are reviewed.
  3. Approver approves, rejects, or returns application.
  4. Approved loans move to release workflow.

Ledger Posting

  1. Operational transaction creates draft accounting effect.
  2. Bookkeeper reviews supporting transaction.
  3. Balanced entry is posted to the general ledger.
  4. Reports are generated from posted ledger entries.

Accounting output

Ledger-Driven Reports

TASETEMCO should treat the general ledger as the source of financial statements. Savings, share capital, and loans should reconcile to their subsidiary ledgers.

Trial Balance Statement of Financial Condition Statement of Operations Statement of Changes in Equity Cash Flow Statement Loan Portfolio Aging Member Share Capital Ledger Audit Trail