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- EMI Calculator & Tracker
- Who it's for
- Consumer lending teams
Consumer lending teams
A consumer lending team can keep a borrower request, independent decision and later provider evidence on one application. Credit Officer records the borrower, organization, requested principal and assigned owner. Independent Credit Approver reviews a specific revision and records the reason for a decision. Loan Operations Analyst follows the account and source-identified movements after the provider responds.
How EMI Calculator & Tracker is set up for you
Intake
Check the borrower and owner before moving a Draft request to Review.
Decision
Compare the request with its attachment and retain the reviewer’s dated reason.
Provider follow-up
Link the account to the borrower and compare funding evidence with the provider response.
Movement review
Keep each event ID with its account, date, amount and application match.
A consumer lending team can keep a borrower request, independent decision and later provider evidence on one application. Credit Officer records the borrower, organization, requested principal and assigned owner. Independent Credit Approver reviews a specific revision and records the reason for a decision. Loan Operations Analyst follows the account and source-identified movements after the provider responds.
A borrower asks for $18,000. Credit Officer enters the request and supporting attachment. Independent Credit Approver approves the current revision; the application and decision remain linked. When the provider confirms the account, the officer records its identity and the verified funding legs. A later movement arrives for that account, but its application link is uncertain. Loan Operations Analyst leaves it Unmatched while checking the source instead of treating the amount alone as proof.
Start with one organization and a borrower whose request has a clear supporting document. Agree how application numbers and provider identities are checked, who may decide a revision and who investigates a movement. Rehearse an approved request, a returned request and an uncertain provider event. Let Auditor trace those cases from the application through the decision and evidence.
Review [application review](/emi-calculator-tracker/processes/application-review) and [movement review](/emi-calculator-tracker/processes/movement-review) with the pilot team. Arrange any provider connection as part of setup and check its first source event against the record.
Features to start with
Roles on the team
- Auditor
- Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
- App Administrator
- Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
- Independent Credit Approver
- Review eligible application revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.
- Credit Officer
- Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
- Loan Operations Analyst
- Reconcile provider movements, account positions and operation receipts for assigned applications.
Set up EMI Calculator & Tracker your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.