System Overview

What is TimveroOS?

TimveroOS is a loan management platform that provides:

• Loan Origination: Application processing, credit assessment, and loan approval

• Loan Servicing: Payment processing, schedule management, and account administration

• Process Automation: Workflow-based decision making and status management

• Product Configuration: Credit product setup without coding

Core Capabilities

1. Application Management

Process loan applications from submission to approval through configurable workflows.

• Multi-channel application support (online, offline, pre-approved)

• Automated data collection and validation

• Document management and tracking

• Status-based routing and approvals

Implementation:

• SDK (Development team): Data Model Setup

• Admin Panel: Workflow Management

2. Credit Assessment

Evaluate applicants using configurable decision logic and data sources.

• Visual workflow design with Workflow Tool

• External data source integration (credit bureaus, banking data)

• Automated scoring and risk categorization

• Manual review for complex cases

Implementation:

• SDK (Development team): Workflow Integration

• Admin Panel: Decision Automation

3. Credit Products

Define lending terms and pricing through product configuration.

• Product parameter setup (amounts, terms, rates)

• Additive variations for market segments

• Dynamic offer calculation with Offer Engine

• Collateral configuration

Implementation:

• SDK (Development team): Offer Engine & Credit Products

• Admin Panel: Credit Products and Pricing

4. Loan Servicing

Manage active loans with automated payment processing.

• Payment posting and allocation

• Balance tracking and interest calculation

• Schedule generation and modifications

• Covenant monitoring

Implementation:

• SDK (Development team): Credit Management System

• Admin Panel: Loan Servicing

System Architecture

TimveroOS operates through three configuration layers:

1. SDK Configuration (Development team)

• Entity structure and data model

• Business Process definitions

• Status transitions and rules

• Integration setup

2. Admin Configuration (Admin Panel - Business task)

• Credit Product creation

• Workflow design

• Notification templates

• User and role management

3. Operational Use (Daily operations)

• Application processing

• Manual reviews and decisions

• Document management

• Reporting and monitoring

Next Steps

• For Business Overview: Continue to Lending Process

• For Entity Details: See System Entities

• For Configuration: Review Product Management

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TimveroOS: Configurable loan management platform