System Building Blocks
Understanding Your Lending Building Blocks
timveroOS organizes lending operations around a sophisticated data model that eliminates redundancy while maintaining flexibility. The system's entity framework manages information about customers, applications, and collateral through intelligent relationships and role-based structures.
This section explains how timveroOS structures data to support efficient lending operations while adapting to your specific business requirements.
Core Entity Concepts
The platform implements several key entity types that work together:
Clients: High-level entities storing fundamental personal information, serving as parent containers for participants
Participants: Application-specific instances of clients acting in defined roles (borrower, co-borrower, guarantor, collateral provider)
Applications: Aggregating entities that bring together participants/assets to complete credit origination processes
Business Processes: Sequences of logical steps that participants or assets follow during origination
Workflows (Decision flows): User-configurable decision flows that perform scoring of participants/assets using algorithmic decision-making within process stages
Statuses: Current position of participants/assets at particular stages of the business process, indicating what actions should occur with the object at that stage and determining business process progression
Framework Flexibility Note: The framework does not impose requirements regarding specific architectural approaches. The described entity relationships represent standard patterns but alternative implementations are supported based on institutional requirements.
Section Contents
Understand role-based security that protects data while enabling productivity
Understand how the client-participant model enables data reuse across applications while maintaining role-specific requirements for borrowers, guarantors, and other parties.
Explore how applications serve as aggregating entities that bring together participants and assets to complete lending processes.
Learn the critical distinction between operational processes and decision logic, enabling independent management of each layer.
Discover how status orchestration determines process flow, triggers automation, and provides operational visibility.
Explore the Loan servicing processes and mechanics at timveroOS.
Unlock timveroOS capabilities in the documentation management: from the required docs to the generated from templates
System Capabilities
Data Organization
The framework separates reusable customer information (clients) from application-specific roles (participants), enabling:
Single entry of customer information
Multiple role participation across applications
Automatic data inheritance
Role-specific attribute management
Process Orchestration
Business processes define lending journeys while Workflows (Decision flows) implement decision logic:
Visual process configuration
Independent workflow management
Flexible integration points
Version-controlled changes
Status Intelligence
Comprehensive status management provides:
Real-time visibility into all operations
Automated workflow triggers
Exception handling capabilities
Audit trail maintenance
Configuration Approach
timveroOS provides multiple configuration levels:
Framework Level Configuration System setup including:
Entity structure and attribute set definitions
Business Process logic and step sequencing
Status definitions and transition rules
Role-based access control (RBAC) model setup
Data Source integration
Document lists for participant roles, generation triggers, and upload request triggers
Event type creation for notification generation and delivery
Admin Panel Configuration Operational configuration through admin-panel interfaces:
Credit Product and Additive creation
Workflows (Decision flows) setup using Workflow Tool
Mapping management
Document template configuration
Notifications template configuration
User and Role management
Pre-Setup Requirements Essential configurations before system operation:
Offer Engine script configuration
Document template creation
Decision department and decline reason catalogs
Technical Flexibility Note: While these represent standard configuration approaches, the framework supports alternative implementation patterns based on specific institutional requirements without imposing rigid architectural constraints.
Key Benefits
The entity framework delivers:
Operational Efficiency: Reduced data entry through intelligent reuse
Process Flexibility: Independent management of workflows and processes
Complete Visibility: Real-time status tracking across all entities
Scalable Architecture: Handle growing volumes without proportional complexity
timveroOS: Structured data excellence for modern lending operations
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