Loan Origination
Overview
The BankLingo Loan Origination system provides a comprehensive platform for managing the entire loan lifecycle, from customer onboarding through KYC verification, loan application, credit assessment, approval workflows, and disbursement.
Key Features
1. Customer Onboarding & KYC
- Digital customer registration
- Identity document verification
- Address verification
- Mobile and email verification
- Biometric authentication support
2. Loan Application Management
- Multiple loan product support (Personal Loans, Business Loans, Asset Finance, Overdraft, etc.)
- Dynamic loan eligibility calculation
- Credit bureau integration
- Salary history verification
- Guarantor management
3. Multi-Level Approval Workflow
The system supports a hierarchical approval structure:
- Branch Level: Branch Manager approval
- Area Level: Area Manager approval
- Division Level: Division Manager approval
- Credit Admin: Credit administration review
- Head Credit Admin: Senior credit review
- Control Officer: Final control and compliance
- MD/GMD: Executive approval for high-value loans
4. Credit Assessment
- Automated credit scoring
- Credit bureau searches
- Salary history analysis
- Employment verification
- Risk-based pricing
5. Loan Disbursement
- Automated disbursement workflows
- Multiple disbursement channels
- Collection account setup
- Repayment schedule generation
System Architecture
The loan origination system is built on a command-based architecture using:
- CQRS Pattern: Separating read and query operations
- MediatR: Command/query handler pattern
- Entity Framework Core: Data access layer
- Multi-level Authorization: Role and branch-based access control
User Roles
Customer-Facing Roles
- Customer: Apply for loans, track application status
- Relationship Manager: Initiate loan applications on behalf of customers
Back-Office Roles
- Branch Manager: First-level loan approval
- Area Manager: Area-level approval
- Division Manager: Division-level approval
- Credit Admin: Credit analysis and risk assessment
- Head Credit Admin: Senior credit review
- Control Officer: Compliance and final review
- Finance Officer: Disbursement management
- MD/GMD: Executive approval
Workflow Overview
Quick Start
For Developers
- Explore the API Commands: See Loan Origination Commands
- Understand the Process: Review Approval Workflows
- Integration Guide: Follow Integration Guide
For Business Users
- Customer Management: Learn about customer onboarding
- Loan Products: Explore supported loan products
- Approval Process: Understand the approval workflow
Key Benefits
✅ Automated Workflows: Reduce manual intervention with automated approval routing
✅ Risk Management: Built-in credit assessment and compliance checks
✅ Audit Trail: Complete tracking of all loan activities
✅ Performance Monitoring: Real-time performance metrics and timing data
✅ Scalable Architecture: Handle high transaction volumes
✅ Flexible Configuration: Customize approval limits and workflows
Performance Features
All loan origination commands include:
- Execution Timing: Track how long each operation takes
- Performance Metrics: Identify bottlenecks in the process
- Error Tracking: Comprehensive error logging and reporting
Next Steps
- Loan Origination Commands →
- Customer KYC Verification →
- Loan Application Process →
- Approval Workflows →
Support
For technical support or questions:
- Documentation: Refer to this documentation site
- API Reference: See API Documentation
- Process Engine: Review Process Engine Documentation