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- Lending Platform
- Who it's for
- Multi-organization lending teams
Multi-organization lending teams
A lending group working across organizations needs to keep the party, team member and application in the intended scope. Organizations carries each unit's code, active state, time zone and currency. Borrowers and team members refer to their organization, while each application names its organization, owner and borrower counterparty. These links help the credit team check a request before an independent decision.
How Lending Platform is set up for you
App Administrator
Maintain borrower and team membership for the correct unit.
Credit Officer
Prepare applications with a borrower and owner from the intended working scope.
Auditor
Follow the application, decision and provider evidence within permitted access.
A lending group working across organizations needs to keep the party, team member and application in the intended scope. Organizations carries each unit's code, active state, time zone and currency. Borrowers and team members refer to their organization, while each application names its organization, owner and borrower counterparty. These links help the credit team check a request before an independent decision.
Start with one organization and confirm its borrower codes and team membership. Add another organization only after the team can distinguish parties with similar names and can inspect an application without mixing records. Rehearse a case in which the wrong borrower organization was initially selected. Correct the scope before credit review and confirm that the account, when recorded, still points to the intended borrower.
Agree how organization currency and account currency are checked during provider handoff. Choose a clear owner for source account identifiers and balance snapshots. When a provider response is uncertain, use the operation receipt and application evidence to investigate the actual effect. A central overview can help the team find exceptions, but the decision and account references remain on the underlying records.
Have an Auditor compare the two organizations from a permitted account. The reviewer should identify the borrower, owner and organization on each application before making a decision.
Features to start with
Roles on the team
- Credit Officer
- Prepare assigned operational loan 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.
- Independent Credit Approver
- Review eligible loan 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.
- App Administrator
- Maintain organization configuration and membership. Administrative membership does not confer financial, approval or execution authority and cannot grant an independent reviewer entitlement.
- Auditor
- Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
Set up Lending Platform your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.