Document Management

What is Document Management?

Document Management in TimveroOS handles the collection, generation, verification, and storage of documents throughout the lending lifecycle. The system tracks document requirements, automates document generation from templates, and manages signature workflows.

Document Management Capabilities

Document Collection:

• Required document definitions per product and participant role

• Upload interface for staff and customers

• Document verification status tracking

• Missing document identification

• Reminder automation for incomplete documents

Document Generation:

• Template-based document creation

• Dynamic content population from application data

• Multi-format support (PDF, DOCX, HTML)

• Bulk document generation

• Version control and audit trail

Signature Management:

• Electronic signature workflow

• Multiple signature collection (borrower, guarantor, witnesses)

• Signature status tracking

• Integration with e-signature providers

• Wet signature support for paper documents

Document Storage:

• Secure document repository

• Entity-linked storage (Application, Loan, Client)

• Document categorization and tagging

• Search and retrieval

• Retention policy management

Document Types

Required Documents (Input)

Documents that must be collected from applicants:

Identity Documents:

• National ID or passport

• Proof of address (utility bill, bank statement)

• Photographs

• Business registration (for SME lending)

Financial Documents:

• Bank statements (3-6 months)

• Tax returns

• Salary slips or income proof

• Business financial statements

• Asset ownership documents

Collateral Documents:

• Property title deeds

• Vehicle registration

• Equipment ownership proof

• Valuation reports

• Insurance policies

Generated Documents (Output)

Documents automatically created by the system:

Loan Documents:

• Loan agreement contract

• Promissory notes

• Guarantor agreements

• Collateral pledge agreements

• Payment schedules

Compliance Documents:

• Disclosure statements

• Terms and conditions

• Privacy notices

• Risk disclaimers

• Regulatory forms

Communication Documents:

• Approval letters

• Rejection letters

• Payment reminders

• Delinquency notices

• Payoff statements

Document Workflow

Step 1: Requirement Definition

Based on credit product and participant roles, the system identifies required documents.

Step 2: Collection

Staff or customers upload documents through portal:

• Document type selection

• File upload (PDF, JPG, PNG)

• Multiple documents per type

• Document description notes

Step 3: Verification

Staff review uploaded documents:

• Document completeness check

• Authenticity verification

• Expiration date validation

• Mark as verified or request replacement

Step 4: Generation

For output documents, system generates from templates:

• Populate template with application data

• Apply formatting and branding

• Generate final document

• Store in document repository

Step 5: Signature Collection

Documents requiring signatures enter workflow:

• Send to participants for e-signature

• Track signing progress

• Receive signed documents

• Store signed versions

Document Templates

Templates use dynamic placeholders to populate data:

Placeholders:

• {{borrower.name}} - Borrower full name

• {{loan.amount}} - Loan amount

• {{loan.term}} - Loan term in months

• {{product.interest_rate}} - Annual interest rate

• {{schedule.payment_amount}} - Monthly payment

Template Features:

• Conditional content (show/hide based on data)

• Repeating sections (multiple borrowers)

• Calculated values (total amount, dates)

• Multi-language support

• Header/footer customization

Document Status Tracking

Each document has a status:

• REQUIRED: Identified as needed but not yet uploaded

• UPLOADED: Received but not yet verified

• VERIFIED: Reviewed and approved by staff

• REJECTED: Requires replacement or correction

• GENERATED: System-created document ready

• SENT_FOR_SIGNATURE: Awaiting signature collection

• SIGNED: All signatures collected

• ARCHIVED: Loan completed, document archived

Integration with Processes

Documents integrate with application workflow:

At Submission:

• Required documents identified

• Initial upload interface presented

During Assessment:

• Document completeness checks

• Verification status affects workflow progression

• Missing documents can block automated approval

At Approval:

• Loan agreement and disclosures generated

• Signature workflow initiated

• Disbursement conditional on signed documents

During Servicing:

• Payment confirmations generated

• Delinquency notices automated

• Modification agreements created

Implementation Resources

Through SDK (Development team)

Document Entity: Document Management - Define document structure and storage

Template Engine: Document Templates - Configure document generation

Storage Integration: DataSource Integration - Connect document storage providers

Through Admin Panel

Document Templates: Document Management - Create and manage templates

Required Documents: Credit Products - Define document requirements per product

Signature Workflows: Core Configuration - Configure e-signature integration

Related Topics

• Applications - Application document requirements

• Credit Products - Product-specific documents

• Loan Origination - Document collection in origination

• Status Management - Document status impact on workflow

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TimveroOS: Comprehensive document lifecycle management