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- Loan Management System
- Data model
The tables behind Loan Management System
Loan Management System ships with 15 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
- 15
- Features
- 6, plus shared settings
- Change it
- Add fields and tables in Proto
How the model is organised
Parties and access
Organizations connect to borrowers and team members; borrowers own loan accounts.
Origination
Loan applications link to an organization, owner, borrower, attachments and application evidence.
Credit and execution
Review decisions and operation receipts retain the revision, actor, action and result for a parent application.
Account servicing
Disbursements, repayment schedules and repayments link to loan accounts, with application links where recorded.
Adjustments
Servicing reviews connect to a parent application and organization.
Every table, by feature
- Borrower and account setup5
- Application intake5
- Credit review5
- Disbursement and evidence6
- Repayment servicing5
- Servicing and reconciliation6
- Shared and settings1
- Organizations
Lending organizations whose loan operations are run in this app.
- Borrowers
Borrowers eligible for loan applications.
Linked to Organizations - Loan accounts
Loan accounts owned by a borrower.
Linked to Borrowers - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Users
Users
Linked to Users
- Loan applications
Loan applications moving through underwriting, approval, disbursement and repayment.
Linked to Organizations, Team members, Borrowers - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members - Application evidence
Statements, confirmations, settlement notices and corrections supporting a loan application.
Linked to Loan applications - Borrowers
Borrowers eligible for loan applications.
Linked to Organizations - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations
- Loan applications
Loan applications moving through underwriting, approval, disbursement and repayment.
Linked to Organizations, Team members, Borrowers - Review decisions
Independent approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members - Application evidence
Statements, confirmations, settlement notices and corrections supporting a loan application.
Linked to Loan applications
- Loan applications
Loan applications moving through underwriting, approval, disbursement and repayment.
Linked to Organizations, Team members, Borrowers - Disbursements
Disbursement amounts linked to a loan account and its application.
Linked to Loan applications, Loan accounts - Loan accounts
Loan accounts owned by a borrower.
Linked to Borrowers - Application evidence
Statements, confirmations, settlement notices and corrections supporting a loan application.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Review decisions
Independent approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members
- Loan accounts
Loan accounts owned by a borrower.
Linked to Borrowers - Repayment schedules
Dated repayment schedule rows for a loan account.
Linked to Loan accounts - Repayments
Source-identified repayments matched against loan accounts.
Linked to Loan accounts, Loan applications - Loan applications
Loan applications moving through underwriting, approval, disbursement and repayment.
Linked to Organizations, Team members, Borrowers - Disbursements
Disbursement amounts linked to a loan account and its application.
Linked to Loan applications, Loan accounts
- Servicing reviews
Servicing adjustments reviewed against a loan application.
Linked to Loan applications, Organizations - Loan applications
Loan applications moving through underwriting, approval, disbursement and repayment.
Linked to Organizations, Team members, Borrowers - Review decisions
Independent approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Application evidence
Statements, confirmations, settlement notices and corrections supporting a loan application.
Linked to Loan applications - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members
Keys and references
Use the application record number for case discussion and its Id for stable links. The borrower Code and account account code help the team find a party, while external account ID maps the account to a provider. Provider instruction ID, provider event ID and provider snapshot ID describe different stages of provider activity; keep each with its own record. Review decisions.source revision and operation receipts.expected revision tie a decision or operation to the version it concerned. The parent links retain history if a later revision changes the case.
Migration order
- Import Organizations and Users, then team members with their organization and user links.
- Import Borrowers and loan accounts, checking owner, currency and provider IDs.
- Bring in loan applications with organization, owner and counterparty; keep existing record numbers and revisions.
- Add record attachments, application evidence, review decisions and operation receipts to their original parent applications.
- Add Disbursements, repayment schedules and Repayments to the appropriate accounts and applications.
- Add servicing reviews, check the read-only exchange rates, then reconcile dates, currencies and references against provider records.
Set up Loan Management System your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.