Loan Origination System gives a lending operations team a controlled place to prepare banking instructions, identify the counterparty and provider account, record an independent decision, and follow the provider's outcome. Organizations, team members and Borrowers establish who can work on an instruction and which counterparty is eligible.
Loan applications in one list
Independent Credit Approver decides on the submitted instruction revision and records the reason.
Every feature works on the same records. Pick one to see the screen your team works in.
Keep organization membership and operating authority clear before instructions enter review.
Loan applications
| Record number | Subject | Status | Submitted at | Value date | Counterparty | |
|---|---|---|---|---|---|---|
| LA-77545 | North Pier settlement instruction | Draft | 13 Oct | 22 Oct | Willowmere Financial Trust | |
| LA-62680 | Elm Harbor account funding | Under Review | 25 Oct | 29 Oct | Elm Harbor Savings | |
| LA-69302 | Granite Vale reserve transfer | Approved | 28 Oct | 06 Nov | Willowmere Financial Trust | |
| LA-79508 | Crescent Bay drawdown request | Submitted | 17 Oct | 26 Oct | Willowmere Financial Trust | |
| LA-17151 | Foxglove escrow release | Pending | 22 Oct | 26 Oct | North Pier Custody |
Connect eligible banking counterparties to the provider accounts used in instructions.
Borrowers
| Name | Code | Contact name | Eligibility note | Organization | Active | |
|---|---|---|---|---|---|---|
| North Pier Custody | NPC-418 | Amina Voss | Settlement mandate on file | Clearfield Settlement House | Yes | |
| Elm Harbor Savings | EHS-427 | Peter Nwosu | Authorized signers verified | Ash Grove Financial Group | Yes | |
| Granite Vale Trust | GVT-436 | Rhea Banerjee | Custody license current | Blue Ridge Clearing | Yes | |
| Crescent Bay Settlement Co. | CBS-445 | Luis Calder | Account ownership confirmed | Morrow Quay Financial | Yes | |
| Foxglove Escrow Services | FES-454 | Sofia Kwan | Funding limit approved | Westhaven Banking Operations | Yes |
Prepare dated banking instructions with a named owner and balanced account scope.
Loan applications
| Record number | Subject | Counterparty | Provider instruction ID | Value date | Status | |
|---|---|---|---|---|---|---|
| LA-66060 | North Pier settlement instruction | Crescent Bay Settlement Co. | INST-2026-6012 | 21 Oct | Confirmed | |
| LA-35863 | Elm Harbor account funding | Elm Harbor Savings | INST-2026-6024 | 03 Nov | Confirmed | |
| LA-36331 | Granite Vale reserve transfer | Juniper Row Bank | INST-2026-6036 | 26 Oct | Confirmed | |
| LA-18690 | Crescent Bay drawdown request | Willowmere Financial Trust | INST-2026-6048 | 30 Oct | Confirmed | |
| LA-91905 | Foxglove escrow release | Juniper Row Bank | INST-2026-6060 | 04 Nov | Confirmed |
Tie approval and account application outcomes to the revision and evidence reviewed.
Loan applications
| Record number | Subject | Revision | Owner | Counterparty | Requested principal USD | |
|---|---|---|---|---|---|---|
| LA-63540 | North Pier settlement instruction | 770 | Kendra Doyle | Willowmere Financial Trust | 350 | |
| LA-82838 | Elm Harbor account funding | 180 | Dario Chen | Foxglove Escrow Services | 140 | |
| LA-13796 | Granite Vale reserve transfer | 340 | Mateo Sethi | Juniper Row Bank | 30 | |
| LA-10929 | Crescent Bay drawdown request | 150 | Mateo Sethi | Highland Quay Depository | 730 | |
| LA-13919 | Foxglove escrow release | 150 | Cole Everett | Granite Vale Trust | 390 |
Trace submitted instructions to provider identifiers, documents and verified events.
Operation receipts
| Operation key | Action | Parent | Result state | Occurred at | Failure reason | |
|---|---|---|---|---|---|---|
| setup-2026-6012 | Create account instruction | Juniper Row custody transfer | Failed | 23 Oct | Counterparty mandate expired | |
| authorize-2026-6024 | Approve counterparty review | Foxglove escrow release | Needs review | 29 Oct | Account ownership not verified | |
| submit-2026-6036 | Submit provider instruction | North Pier settlement instruction | Failed | 31 Oct | Second reviewer approval missing | |
| confirm-2026-6048 | Confirm settlement | North Pier settlement instruction | Needs review | 27 Oct | Provider rejected settlement date | |
| settle-2026-6060 | Match provider event | Willowmere settlement review | Failed | 28 Oct | Instruction amount exceeds limit |
Match provider movements and verify that recorded operations had the claimed effect.
Repayments
| Provider event ID | Received at | Received USD | State | Loan account | Matched instruction | |
|---|---|---|---|---|---|---|
| EVT-2026-74106 | 10 Oct | 150 | Unmatched | Highland Quay operating account | Elm Harbor account funding | |
| EVT-2026-74124 | 14 Oct | 50 | Exception | North Pier settlement account | North Pier settlement instruction | |
| EVT-2026-74142 | 12 Oct | 30 | Unmatched | North Pier settlement account | Juniper Row custody transfer | |
| EVT-2026-74160 | 20 Oct | 200 | Exception | Highland Quay operating account | Crescent Bay drawdown request | |
| EVT-2026-74178 | 17 Oct | 30 | Unmatched | Willowmere settlement account | Foxglove escrow release |
Instruction to confirmed outcome ships ready to use. One step needs a named approval before the work moves on: Approve the instruction (Independent Credit Approver).
Choose the organization, eligible counterparty and team member responsible for the instruction.
Record the dated amount, debit and credit account scope, and supporting documents.
Send the current revision and its evidence to a separate reviewer.
The Independent Credit Approver records a decision against the submitted revision.
Keep the provider instruction identity and verify the returned confirmation or settlement event.
Match provider movements and check operation receipts against persisted effects.
Open any loan application to see its application decisions, the roles that work on it, its process stages and its approvals on one page.
Requested principal USD, Owner, Counterparty and Submitted at.
Each line is linked to this loan application.
Credit Officer and Admin, each with their own permissions.
Prepare the instruction, with the role that acts.
Approve the instruction, with who decides.
North Pier Custody · Draft
| Parent | Applicant | Status |
|---|---|---|
| Highland Quay account setup | North Pier Custody | Approved |
| Granite Vale reserve transfer | Elm Harbor Savings | Completed |
| Crescent Bay drawdown request | Granite Vale Trust | Approved |
The reviewer acts under their own identity and checks the submitted revision before recording a decision.
Signed in as Independent Credit Approver
| Decision | Approver | |
|---|---|---|
| Approve the instructionThe Independent Credit Approver records a decision against the submitted revision. | Independent Credit Approver |
Everyone opens Loan Origination System to the work that is theirs. Pick a role to see what it starts with.
Prepare assigned operational records and execute eligible reviewed actions. Own assigned organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
This is the first screen this role sees.
Loan applications · Credit Officer
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.
This is the first screen this role sees.
Loan applications · Independent Credit Approver
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
This is the first screen this role sees.
Loan applications · Auditor
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
This is the first screen this role sees.
Borrowers · App Administrator
| Name | Code | Contact name | Eligibility note | Organization | Active | |
|---|---|---|---|---|---|---|
| North Pier Custody | NPC-418 | Amina Voss | Settlement mandate on file | Clearfield Settlement House | Yes | |
| Elm Harbor Savings | EHS-427 | Peter Nwosu | Authorized signers verified | Ash Grove Financial Group | Yes | |
| Granite Vale Trust | GVT-436 | Rhea Banerjee | Custody license current | Blue Ridge Clearing | Yes | |
| Crescent Bay Settlement Co. | CBS-445 | Luis Calder | Account ownership confirmed | Morrow Quay Financial | Yes | |
| Foxglove Escrow Services | FES-454 | Sofia Kwan | Funding limit approved | Westhaven Banking Operations | Yes |
Maintain system configuration and access for the operating team without independent approval authority.
Review instruction progress, provider exceptions and the evidence behind reported outcomes.
This quarter
How far records got this quarter
| Stage | Reached | Step | |
|---|---|---|---|
| Draft | 45 | ||
| Under Review | 11 | 24% | |
| Approved | 2 | 18% | |
| Submitted | 1 | 50% |
Sample totals per stage
Show instruction counts and requested amounts by status and organization.
Show submitted and pending instructions by submission and value date.
Group requested instruction amounts by organization and counterparty.
Compare application decision status, decision dates and initial deposit amounts.
Show unmatched and exceptional provider movements with their account and instruction references.
Show receipt result states, failure reasons and effect references by parent instruction.
Show provider evidence by type, verified flag and receipt date.
Show principal and interest due by account and due date.
See how Loan Origination System fits your kind of team.
Coordinate the banking instructions and provider evidence around a lending operation.
Keep cross-account banking instructions under review through provider confirmation.
Connect custodian instructions to review decisions, account identities and settlement notices.
Each stage of instruction to confirmed outcome names the role that acts and the status it records, so a change is never anonymous.
Each stage, the role that acts and the status it records
Ask Proto to help prepare records, surface exceptions and explain the next decision.
Set up connections through ERP.AI and Proto workflows, with every change logged.
Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.
Browse all 15 tablesStart with one team and one process, then add the rest once the basics are running.
Choose the organization, banking provider, counterparties and accounts that will be used first. Name the Credit Officer, Independent Credit Approver, Auditor and App Administrator for that scope.
Import the team, counterparty and account directories. Resolve duplicate provider identifiers, inactive parties and currency differences before loading live instructions.
Decide which attachments are required and how the approver checks a submitted revision. Rehearse a returned case and a changed revision with separate actors.
Map submission, acknowledgement, confirmation and settlement identities. Define how delayed responses and repeated requests are investigated from operation receipts.
Prepare a dated instruction, approve it independently, submit it, verify provider evidence and match the resulting movement. Include an exception and an executed-scope correction.
$0per user
The base account and everyday work in the ERP.AI app are free, for every user.
| Usage | Per $1 |
|---|---|
| Record reads (list, filter, get) | 20,000 |
| Search or aggregate queries | 4,000 |
| Record writes | 4,000 |
| Imported or synced records | 200,000 |
| Workflow runs | 2,000 |
| AI agent runs | 2,000 |
| Scheduled jobs or webhooks | 20,000 |
| File uploads (MB) | 2,000 |
| CSV or PDF exports | 100 |
Click Get started, then use Proto to configure Loan Origination System for your business. Begin with one organization, its team members, an eligible counterparty and a provider account. Rehearse one dated instruction from preparation through independent review and verified provider outcome.
The Credit Officer prepares the banking instruction, its requested amount and value date, debit and credit account scope, counterparty and supporting attachments. The officer submits the current revision for a separate decision.
An Independent Credit Approver reviews the submitted revision and supporting records. The decision is recorded with the reviewer, time, reason and source revision before the instruction advances.
The Instruction approval inbox shows instructions under review with their owner, counterparty, amount and revision. The Account application inbox shows submitted provider-account requests needing their own decision.
The team records the provider instruction identifier and follows the response. A verified provider confirmation or settlement event supports the confirmed instruction status, while operation receipts show whether claimed effects were persisted.
A movement keeps its provider event identifier, account, amount and receipt date. The team links it to the matching instruction when the source evidence supports the association, and keeps ambiguous events in the exception queue.
Check the existing operation receipt, provider reference and local effects before considering another request. Keep the uncertainty and its reason visible for review while the provider outcome is resolved.
A change to a reviewed instruction needs the current revision checked again. For scope already executed, preserve the original provider identity and obtain an independent decision for the compensating action.
The Auditor can connect the instruction to its owner, reviewer decision, attachments, provider evidence, movement match and operation receipt. Audit access is read-only within the authorized scope.
Agree on the provider connection for instruction submission and the sources for confirmations, settlement notices, account movements and dated balance snapshots. Agree which supporting documents the Credit Officer attaches for independent review.
Start free, then use Proto to change fields, steps and approvals before your team goes live.