Lending Automation Capabilities

Overview

TimveroOS automates lending operations from application submission through loan servicing. The platform handles both origination (application to approval) and servicing (payment management and account administration) through configurable workflows and business rules.

Core Processes

Loan Origination

Application processing from submission through disbursement:

• Multi-channel application intake (online, branch, mobile, partner)

• Identity verification and compliance checks

• Credit assessment and risk scoring

• Offer generation and pricing

• Document generation and e-signature

• Approval workflows and disbursement

Loan Servicing

Active loan management and payment processing:

• Payment schedule generation and management

• Automated payment processing and allocation

• Delinquency monitoring and collection workflows

• Loan modifications and restructuring

• Customer self-service capabilities

• Portfolio analytics and reporting

Process Automation

Workflow-based automation capabilities:

• Business Process orchestration

• Automated decision execution

• Document generation from templates

• System integration and data synchronization

• Event-driven notifications

How Processes Work Together

Application Journey:

1. Customer applies through any channel (Origination)

2. System verifies identity and assesses credit (Origination)

3. Offer generated and presented to customer (Origination)

4. Customer accepts, contract signed digitally (Origination)

5. Loan disbursed and schedule created (Origination → Servicing handoff)

6. Automated payment collection begins (Servicing)

7. Ongoing account management (Servicing)

Configuration Layers:

• SDK Configuration: Entity structure, Business Process stages, status transitions (Development team)

• Admin Configuration: Workflows, products, templates, decision rules (Business administrators)

• Operations: Daily processing, manual reviews, exception handling (Operations staff)

Implementation Resources

Through SDK (Development team)

• Data Model Setup - Entity structure

• Workflow Integration - Decision engine setup

• Credit Management System - Servicing framework

• Document Management - Document handling

Through Admin Panel

• Workflow Management - Decision automation and routing

• Credit Products and Pricing - Product configuration

• Document Management - Template setup

• Loan Servicing - Payment processing configuration

Related Topics

• System Entities - Core data structures (Application, Participant, Loan)

• Product Management - Credit Product and pricing configuration

• Decision Configuration - Workflow and assessment setup

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TimveroOS: End-to-end lending automation