Separate preparation, credit decisions, collection work and audit access.
Credit Officer prepares assigned applications and their supporting records within the operating organization.
Independent Credit Approver records a decision against the revision under review and does not approve their own submission.
App Administrator maintains organization and member records without acquiring financial decision authority.
Auditor follows decisions, evidence and operation receipts without changing protected records.
| Role | Borrower and organization records | Loan application preparation | Independent credit review | Provider and account records | Group collection runs | Repayment and evidence review |
|---|---|---|---|---|---|---|
| Independent Credit Approver | — | — | — | — | — | — |
| Credit Officer | — | Edit | Edit | Edit | Edit | — |
| Auditor | — | — | — | — | — | — |
| App Administrator | Edit | Edit | Edit | Edit | — | — |
| Collector | View | View | View | View | Edit | View |
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.
Starts on: Application Status Board
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.
Starts on: Pending Provider Outcome
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
Starts on: Pending Provider Outcome
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
Starts on: Active Borrowers
Prepares group collection runs and supplies collection evidence for independent review.
Starts on: Collection Run Board
Start free, then use Proto to change fields, steps and approvals before your team goes live.