Participants
Overview
Participants are individuals or entities involved in a loan application, including borrowers, co-borrowers, guarantors, and collateral providers.
A Participant is a role-specific instance of a Client within a specific Application. Each Participant contains information about their role, status, and role-specific data and documents.
Navigation: Application page → Participants section
Participant Interface
Displayed data (common fields):
Participant ID
Name
Role (Borrower, Co-borrower, Guarantor, Collateral Provider)
Status
Date of Birth
National ID
Note: Available roles and displayed fields depend on SDK configuration.
Working with Participants
Creating a Participant
Purpose: Add a participant (co-borrower, guarantor, collateral provider) to an application
Prerequisites:
Permissions to add participants
Application exists
Required participant information available
Steps:
Navigate to the Application page
Select Add Participant
Specify the participant role (e.g., Co-borrower, Guarantor, Collateral Provider)
Enter the client's identification data
System searches for existing Client:
Client exists: System inherits personal data automatically
Client doesn't exist: System suggests creating a new client
Save the form
System creates the participant in initial status
Result: New Participant with specified role is created, linked to Client and Application.
Note: The primary participant (Borrower) is created automatically when the application is created.
Viewing Participant Details
Purpose: Monitor participant progress through the lending process
Steps:
Navigate to the Application page
Find the participant
Open the relevant information tab or History tab
Changing Participant Status
Purpose: Progress the participant through the lending workflow
Prerequisites:
Permissions to perform actions with participants
Required information or documents available
Participant's current status allows the action
Steps:
Navigate to the Application page
Find the required participant
System displays available actions for current status (e.g., "Void", "KYC form")
Select the action to perform
System executes with validation
On success, system transitions participant to next status
System may trigger automated workflows
Result: Participant moves to new status; related automated processes initiate if configured.
Note: Available actions depend on participant status, your permissions, and workflow configuration. Application status may change based on the least-progressed participant.
Troubleshooting
Participant Cannot Progress to Next Status
Possible causes:
Required documents not uploaded
Generated documents not signed
Required forms not completed
Assessment process not completed
Resolution:
Review Participant page for incomplete fields or missing documents
Check status of automatic assessments
Ensure all role-specific information provided
Review error messages or validation warnings
Check your permissions for the action
Cannot Add Participant to Application
Possible causes:
Application status doesn't allow adding participants
Role limit reached (e.g., maximum one Co-borrower)
Insufficient permissions
Client already participates with conflicting role
Resolution:
Verify Application status allows adding participants
Check permissions for creating participants
Ensure Client doesn't already participate with another role
Contact administrator if needed
Inherited Participant Data Is Incorrect
Possible causes:
Client master record contains outdated information
Recent Client changes haven't propagated
Application-specific override required
Resolution:
Update Client master record (if permitted)
System may automatically update linked Participants (depends on configuration)
Update Participant record directly for specific exceptions
Notify data quality team if widespread issues detected
Related Configuration
User Management - Permissions configuration
Products Setup - Participant requirements per product
Related Topics
Applications - Application management
Documents - Document management
Manual Decisions - Processing Warning Facts
Collateral - Collateral and collateral providers
For additional support, consult your supervisor or system administrator.
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