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- Bank + Lending + Insurance
- Data model
The tables behind Bank + Lending + Insurance
Bank + Lending + Insurance ships with 17 tables, grouped here by the feature that uses them. Every record your team works with lives in one of them, and you can add fields and tables in Proto.
- Tables
- 17
- Features
- 6
- Change it
- Add fields and tables in Proto
How the model is organised
Borrowers and products
Organizations, Borrowers, team members, Users and loan products establish the institution, borrowing entity, membership and product parameters.
Application preparation
Loan applications carries the requested and approved terms. Application evidence and record attachments retain document verification and file handling.
Credit and bundle review
Bundled applications links an insurance offer to a parent application. Review decisions preserves the reviewer, source revision and decision reason.
Funding and schedules
Loan accounts connects the booked facility to Disbursements and repayment schedules. Actual release evidence is distinct from approved lending terms.
Repayments and servicing
Repayments and repayment allocations explain receipt allocation. Loan changes preserves reviewed changes and their prior schedule version.
Evidence and reconciliation
Operation receipts retains operation identities, expected revisions, outcomes and effect references.
Every table, by feature
- Borrowers and products6
- Application preparation6
- Credit and bundle review6
- Funding and schedules5
- Repayments and servicing6
- Evidence and reconciliation6
- Borrowers
Borrowing entities with legal name, industry, state and relationship details.
Linked to Organizations - Loan products
Commercial lending products and their pricing and term parameters.
- Organizations
Lending organizations and member institutions on the platform.
- Team members
Organization members who prepare, review and approve lending records.
Linked to Organizations, Users - Users
Users
Linked to Users - Loan applications
Loan applications submitted by borrowers, with requested amount and lifecycle status.
Linked to Borrowers, Loan products, Team members, Organizations
- Loan applications
Loan applications submitted by borrowers, with requested amount and lifecycle status.
Linked to Borrowers, Loan products, Team members, Organizations - Application evidence
Supporting documents and evidence collected for an application.
Linked to Loan applications - Record attachments
Files attached to a loan application with visibility and evidence type.
Linked to Loan applications, Team members - Borrowers
Borrowing entities with legal name, industry, state and relationship details.
Linked to Organizations - Loan products
Commercial lending products and their pricing and term parameters.
- Team members
Organization members who prepare, review and approve lending records.
Linked to Organizations, Users
- Loan applications
Loan applications submitted by borrowers, with requested amount and lifecycle status.
Linked to Borrowers, Loan products, Team members, Organizations - Bundled applications
Bundled lending and insurance applications reviewed together for one parent loan application.
Linked to Loan applications, Organizations - Review decisions
Independent credit review decisions recorded against an application.
Linked to Loan applications, Team members - Application evidence
Supporting documents and evidence collected for an application.
Linked to Loan applications - Operation receipts
Evidence ledger of operations performed against lending records, with outcome.
Linked to Loan applications - Team members
Organization members who prepare, review and approve lending records.
Linked to Organizations, Users
- Loan applications
Loan applications submitted by borrowers, with requested amount and lifecycle status.
Linked to Borrowers, Loan products, Team members, Organizations - Loan accounts
Booked loan accounts created when an application is approved and disbursed.
Linked to Borrowers, Loan applications, Loan products - Disbursements
Disbursement tranches released against an approved facility.
Linked to Loan accounts, Loan applications - Repayment schedules
Contractual repayment schedule lines for each loan account.
Linked to Loan accounts - Operation receipts
Evidence ledger of operations performed against lending records, with outcome.
Linked to Loan applications
- Repayments
Repayments received and their allocation to schedule lines.
Linked to Loan accounts, Repayment schedules - Repayment allocations
Allocation of verified repayments to repayment schedule installments.
Linked to Repayments, Repayment schedules - Repayment schedules
Contractual repayment schedule lines for each loan account.
Linked to Loan accounts - Loan accounts
Booked loan accounts created when an application is approved and disbursed.
Linked to Borrowers, Loan applications, Loan products - Loan changes
Reviewed servicing changes such as reschedules, rate changes, write-offs and corrections.
Linked to Loan accounts - Operation receipts
Evidence ledger of operations performed against lending records, with outcome.
Linked to Loan applications
- Operation receipts
Evidence ledger of operations performed against lending records, with outcome.
Linked to Loan applications - Application evidence
Supporting documents and evidence collected for an application.
Linked to Loan applications - Record attachments
Files attached to a loan application with visibility and evidence type.
Linked to Loan applications, Team members - Review decisions
Independent credit review decisions recorded against an application.
Linked to Loan applications, Team members - Loan applications
Loan applications submitted by borrowers, with requested amount and lifecycle status.
Linked to Borrowers, Loan products, Team members, Organizations - Bundled applications
Bundled lending and insurance applications reviewed together for one parent loan application.
Linked to Loan applications, Organizations
Keys and references
Preserve application numbers, borrower codes, account numbers and provider references during migration. Loan applications links Borrower and Counterparty to Borrowers, while credit officer and Owner both reference team members. Resolve the user’s membership through team members.User when configuring personal views.
Several records carry parallel parent references. Application evidence.loan application and Parent both target loan applications; review decisions follows the same pattern. Loan accounts.Application and loan application both point to the originating request. Disbursements, Repayments and repayment schedules carry Loan and loan account references to loan accounts. Agree how the workflow populates each reference and test that parallel references identify the same intended record.
Keep operation receipts.operation key and expected revision with the effect evidence. Preserve review decisions.source revision and bundled applications.Revision when moving reviewed records. Loan changes.prior schedule version and repayment schedules.Version identify the schedule context. Retain repayment allocations.reversed at so historical allocations remain distinguishable from active ones.
Migration order
- Import Organizations and establish Users with the intended access assignments.
- Import team members, Borrowers and loan products, resolving organization and user references.
- Import loan applications with its borrower, product and team references, then application evidence, record attachments, bundled applications and review decisions.
- Import loan accounts from confirmed booked facilities, followed by Disbursements and repayment schedules with their original provider identities and versions.
- Import Repayments, repayment allocations and loan changes, retaining reversal dates and prior schedule context.
- Import historical operation receipts with their original identities and reconcile them against the imported effects before treating them as completed.
Set up Bank + Lending + Insurance your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.