Separate application preparation, credit decisions, administration and audit access.
Credit Officer manages assigned application work and its supporting material within organization scope.
Independent Credit Approver reviews eligible revisions and records the credit decision.
App Administrator maintains organizations, borrowers and membership without inheriting credit authority.
Auditor reads permitted evidence and reports without changing records.
| Role | Borrowers and organizations | Loan applications | Underwriting and decisions | Application evidence | Loan accounts and disbursements | Repayments and reconciliation | Operations oversight |
|---|---|---|---|---|---|---|---|
| Credit Officer | — | Edit | Edit | Edit | — | — | — |
| Independent Credit Approver | — | — | — | — | — | — | — |
| App Administrator | Edit | Edit | Edit | Edit | — | — | — |
| Auditor | — | — | — | — | — | — | — |
| Admin | View | View | View | View | — | — | View |
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.
Starts on: Underwriting Queue
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.
Starts on: Underwriting Queue
Maintain organization configuration and membership. Administrative membership does not confer financial, approval or execution authority and cannot grant an independent reviewer entitlement.
Starts on: Active Borrowers
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
Starts on: Confirmed Applications
Maintains access setup and supports the App Administrator without making credit decisions.
Start free, then use Proto to change fields, steps and approvals before your team goes live.