Separate application preparation, credit decisions, administration and audit access.
Staff work within the organization assigned to their team record. Check that scope before opening a borrower, application or commitment.
Credit Officer prepares an application or commitment; Independent Credit Approver decides on the submitted revision and cannot approve their own work.
Provider events, completed effects and prior decisions remain readable for audit. Corrections follow a reviewed action rather than an unrestricted edit.
Membership and organization setup do not grant credit approval or provider execution authority.
| Role | Borrower and organization records | Loan applications | Funding commitments | Independent review | Disbursement and accounts | Repayment servicing |
|---|---|---|---|---|---|---|
| Credit Officer | — | Edit | Edit | Edit | — | — |
| Auditor | — | — | — | — | — | — |
| App Administrator | Edit | Edit | — | Edit | Edit | Edit |
| Independent Credit Approver | — | — | — | — | — | — |
| Admin | Edit | View | — | View | — | — |
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: Applications in review or pending
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
Starts on: Confirmed applications
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
Starts on: Borrowers in scope
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: Applications in review or pending
Maintains platform access and reads organization records without granting credit approval authority.
Start free, then use Proto to change fields, steps and approvals before your team goes live.