v. 8.0
Comprehensive configuration documentation for lending operations management
About This Guide
timveroOS is a comprehensive loan management system designed to streamline lending operations through configurable automation and workflow management. This guide provides administrators with the knowledge needed to configure and optimize the platform for their institution's specific requirements.
Documentation Structure
This guide is organized into eight functional areas, each focusing on specific configuration capabilities:
Getting Started - System overview and initial setup procedures
Core Configuration - User management, documents, and notifications
Credit Products and Pricing - Product setup and pricing engine configuration
Workflow Management - Decision automation and process configuration
Operational Tools - Queue management and efficiency features
Servicing and Portfolio Management - Post-origination configuration
Analytics and Reporting - Dashboard and reporting setup
Data Integration - External system connections, feature store, and data configuration
Configuration Overview
timveroOS provides a flexible, module-based approach to lending automation. The platform enables configuration of:
Decision Automation
Workflow Designer: Visual interface for creating decision logic without programming
Multi-Stage Processing: Configure separate workflows for different evaluation stages
Exception Handling: Define manual review triggers and departmental routing
Product Management
Flexible Product Architecture: Create products with multiple variants (additives)
Dynamic Pricing: Configure pricing algorithms based on customer profiles
Collateral Requirements: Set security requirements by product and risk level
Operational Efficiency
Launchpad: Central hub for managing manual reviews and exceptions
Automated Notifications: Multi-channel communication configuration
Document Automation: Template-based document generation and management
Portfolio Monitoring
Loan Servicing: Comprehensive post-origination management tools
Covenant Tracking: Automated monitoring of borrower obligations
Analytics Dashboard: Real-time performance monitoring and reporting
Core Modules
Launchpad - Exception Management Hub
The Launchpad provides a centralized interface for managing manual decision workflows and exceptions that require human review during the lending process.
Key Configuration Options:
Department-Based Routing Configure departments and assign specific warning types:
Underwriting Department - Credit and income verification
KYC Department - Identity and address confirmation
AML Department - Transaction pattern reviews
Financial Department - Complex financial analysis
Queue Views Three operational views for workflow management:
All Items - Complete departmental workload visibility
To Be Assigned - Unassigned items requiring attention
Assigned to Me - Personal work queue management
Assignment Process Configuration:
Self-assignment capabilities for team members
Supervisor assignment permissions
Reassignment workflows for workload balancing
Audit trail for all assignment actions
Notification System Configuration
Configure automated notifications across multiple channels to keep all stakeholders informed throughout the lending process.
Available Channels:
Email (SMTP) - Detailed notifications with attachments
SMS - Quick status updates and alerts
Messenger Platforms - Integration with various messaging services
Configuration Elements:
Templates - Create message templates with dynamic variables
Event Types - Define triggers (status changes, deadlines, approvals)
Recipients - Configure routing by role, department, or individual
Delivery Rules - Set timing, frequency, and channel selection
Role-Based Access Control
Define organizational roles and permissions to ensure appropriate access to system functions and data.
Configuration Approach:
Create roles matching organizational structure
Assign permissions based on job functions
Implement segregation of duties
Enable audit trails for compliance
Business Intelligence Dashboard
Configure real-time analytics and reporting using the integrated Apache Superset framework.
Dashboard Configuration:
Application volume, approval rates, processing times
Create visualizations specific to your needs
Connect to various system data points
Define who can view specific dashboards
Pricing Engine Configuration
Set up dynamic pricing algorithms that calculate terms and conditions based on customer profiles and product parameters.
Configuration Components:
Algorithm Scripts - Define pricing logic using Python, JavaScript, or Spell
Profile Integration - Use customer attributes in calculations
Product Linking - Connect algorithms to specific products/additives
Testing Tools - Validate pricing logic before deployment
Credit Product Configuration
Define lending products with flexible terms and multiple variants to serve different customer segments.
Product Structure:
Base Products - Define general parameters (amount ranges, terms, rates)
Additives - Create variants with specific requirements
Collateral Rules - Set security requirements by risk level
Documentation - Link required documents to products
Document Management
Configure automated document generation and manage document requirements throughout the lending lifecycle.
Configuration Areas:
Templates - Create document templates with merge fields
Generation Rules - Define when documents are created
Requirements - Set which documents are needed by entity
Signature Workflows - Configure e-signature or physical signing processes
Workflow Management
Build automated decision workflows using the visual or code-based workflow designer.
Task Types:
Expression - Mathematical and logical operations
Load Datasource - Retrieve data from integrated sources or Feature Store
Save to Profile - Store calculated values
Save Alert/Warning - Trigger manual reviews or declines
Save Info - Record information for audit trails
Switch - Create conditional branches in workflow
Interrupt Workflow - Stop processing at specific points
Loan Servicing Configuration
Manage post-origination loan administration including payments, modifications, and account management.
Configuration Options:
Payment Processing - Define allocation rules and payment methods
Account Management - Set up modification business flows/ workflows
Collections - Configure delinquency management processes
Reporting - Define servicing reports and schedules
Data Integration
Connect external data providers and configure data transformation rules.
Core Components:
Data Sources - External provider connections and API configuration
Feature Store - Centralized repository for workflow data transformations
Metrics Engine - Business calculations and performance indicators
Configuration Process:
Enable desired data provider
Configure API credentials
Map data fields to system attributes
Create features for workflow transformations
Test integration before production use
Implementation Approach
Foundation Setup
Configure organizational structure and users
Set up basic products and pricing
Establish document templates
Define core workflows
Automation Implementation
Build decision workflows
Configure exception handling
Set up notifications
Test end-to-end processes
Advanced Features
Integrate external data sources
Configure analytics dashboards
Implement covenant monitoring
Optimize based on initial results
Continuous Improvement
Monitor system performance
Adjust thresholds and rules
Expand automation coverage
Add new products and features
Getting Started
Begin with the Getting Started section to understand system architecture and initial setup requirements. Progress through each section based on your implementation priorities.
Each section includes:
Configuration instructions
Common use cases
Related configuration areas
For additional support, consult your implementation team or system administrator.
This guide reflects timveroOS v.8.0 capabilities. Features and interfaces may vary based on your specific configuration and licensing.
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