Lending Process
Overview
timveroOS supports the complete lending lifecycle: origination (application to disbursement) and servicing (active loan management). Business Processes defined in the SDK control the journey stages, while Admin Panel configures the decision logic and operational rules within those stages.
Why This Matters
Lending involves two distinct phases with different operational needs:
Origination requires flexibility in credit policy, data sources, and decision criteria - these change as markets and risk appetite evolve
Servicing requires consistency in payment processing, schedule management, and regulatory compliance - these follow established rules
timveroOS handles this by fixing the process structure (SDK) while making decision logic and parameters adjustable (Admin Panel). Business teams can modify credit policies without changing the underlying origination flow.
Loan Origination
Origination processes applications from submission through funding.
Application Intake
Capture applicant data from any channel (online, branch, mobile, partner)
Identity Verification
Verify customer identity through integrated KYC/AML providers
Credit Assessment
Evaluate creditworthiness using workflows that call external data sources
Offer Generation
Calculate personalized offers through Offer Engine pricing scripts
Documentation
Generate contracts, collect signatures, verify required documents
Approval & Disbursement
Finalize approval and create Loan entity
Outcome routing: Workflows produce Alert Facts (automatic decline), Warning Facts (manual review), or approval to continue.
Loan Servicing
Servicing manages active loans from disbursement through payoff.
Payment Processing
Record payments, allocate to principal/interest/fees
Schedule Management
Track payment schedules, handle modifications
Delinquency Monitoring
Identify past-due accounts, trigger collection workflows
Covenant Monitoring
Track contractual obligations, alert on breaches
Portfolio Analytics
Monitor performance through BI dashboards
Where to Configure
Related Topics
System Entities — Application, Participant, Loan structures
Product Management — Credit Products and pricing
Decision Automation — Workflow-based credit decisions
Operations — Daily processing tools
timveroOS: End-to-end lending automation
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