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- Bank + Lending + Insurance
- Who it's for
- Commercial bank lending teams
Commercial bank lending teams
Commercial bank lending teams need a clear path from the relationship discussion to a booked and serviced facility. Bank + Lending + Insurance connects the business borrower, requested terms and review evidence. Credit Officer prepares the case, while Independent Credit Approver decides the application revision. The same application remains the reference for funding evidence and later operational investigation.
How Bank + Lending + Insurance is set up for you
Borrower relationships
Maintain the legal entity, industry and risk rating with the lending organization. Use the existing relationship context when preparing an expansion or working-capital request. A returning customer still needs a decision on the current application and terms.
Independent review
Present the requested amount with verified evidence and an underwriting explanation. Preserve approved terms and a decline reason where applicable. The reviewer should be able to see what changed when the officer returns with a corrected request.
Funding follow-up
Inspect actual released tranches and provider events before describing a facility as funded. Keep held disbursements visible for investigation. Review the repayment schedule against the booked terms and the confirmed funding position.
Operational evidence
Use operation receipts to investigate a delayed release or uncertain result. Auditor follows the authorized history from application to effect, while the responsible team resolves the exception.
Commercial bank lending teams need a clear path from the relationship discussion to a booked and serviced facility. Bank + Lending + Insurance connects the business borrower, requested terms and review evidence. Credit Officer prepares the case, while Independent Credit Approver decides the application revision. The same application remains the reference for funding evidence and later operational investigation.
Begin with a commercial lending team, an agreed product and a representative borrower request. Rehearse an approved case, a decline and a held disbursement. Ask the team to explain the requested, approved and funded amounts from their respective records. Include a changed revision so the review policy is exercised before routine use.
Configure the bank's funding and repayment connections during setup. Keep deposit operations and general-ledger processes with their owning systems. When an insurance offer accompanies the request, use the bundled review process and retain the insurance provider's separate outcome. Expand the pilot after the team can reconcile the opening loan position and trace a servicing exception.
Features to start with
Funding and schedules
Book approved terms and track disbursements confirmed by the provider.
Repayments and servicing
Apply verified receipts within their value and preserve the history of servicing changes.
Borrowers and products
Connect each application to the right borrowing entity and lending product.
Roles on the team
- Credit Officer
- Prepare assigned operational records and execute eligible reviewed actions.
- Independent Credit Approver
- Review eligible revisions independently and reconcile operational evidence.
- App Administrator
- Maintain organization configuration and membership.
- Auditor
- Read authorized evidence and reports.
- Admin
- Setup role for maintaining user access and loan product parameters and inspecting operational configuration without taking credit approval authority.
Set up Bank + Lending + Insurance your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.