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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

  1. Explore the API Commands: See Loan Origination Commands
  2. Understand the Process: Review Approval Workflows
  3. Integration Guide: Follow Integration Guide

For Business Users

  1. Customer Management: Learn about customer onboarding
  2. Loan Products: Explore supported loan products
  3. 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

Support

For technical support or questions: