> ## Documentation Index > Fetch the complete documentation index at: https://docs.compuzign.com/llms.txt > Use this file to discover all available pages before exploring further. # Changelog > What changed in the Loan Origination System, by date. The newest release sits at the top. This is the running history of what changed in the Loan Origination System, organised by date with the newest release at the top. Each entry is what your credit union would notice in day-to-day work, not the internal plumbing. Open an entry to see the detail. The generated loan agreement now follows the credit union's legal review, across all four templates (cash-secured, unsecured, auto, and mortgage). Nothing changes in how it is generated, downloaded, or gated before disbursement. What changed is what the member reads and signs. **The full monthly payment, itemised** * The agreement now breaks the monthly payment into its parts, principal and interest, the compulsory savings paid alongside the loan, and the creditor-life premium where it applies, and shows the total the member pays each month. Creditor-life is zero on a cash-secured loan. The total matches the affordability figure the officer sees at capture. **The security, stated plainly** * A secured agreement now leads with the type of security, Cash Secured, Motor Vehicle, or Real Property, and its details, before the clause that grants it. **When the first payment is due** * The other loan types now state that the first payment is due thirty days after the loan is disbursed, since the agreement is drawn up before disbursement. The Effective Date now appears only on the cash-secured agreement, whose first payment falls one month after it. **The signature page** * The required signatories are the member, any guarantor where applicable, the Loan Officer, and the Branch Manager, each with a date. The Adjudicator is no longer a signatory. Each page carries the member's initials only, and the page closes with an acknowledgement by the member, and each guarantor, that they have read and understood the agreement. **The clauses your members expect** * The agreement reinstates a credit-bureau consent, under the Credit Reporting Act, 2010, and a change-in-circumstances clause. **The name of the credit union as the legal party** * The name used for the credit union in the opening sentence and on the signature lines is now configurable and set to the credit union's registered name, which can differ from the display brand on the letterhead. A set of improvements the Credit Department asked for, all in the loan capture and assessment flow. **See affordability before and after the loan** * When a loan pays off or consolidates an existing debt, set what that debt's payment becomes after this loan: zero if it is paid off in full, or a smaller figure for a partial consolidation or refinance, with a one-tap "paid off" option. The affordability check then uses the after-transaction amount, so the debt service ratio and the money left over reflect the member's position after the loan, not before. The capture screen shows a clear before and after, so an officer can see the member is better off. **Top-up and consolidation fees on the new money only** * A loan can now be marked a top-up or a consolidation, with the existing balance being refinanced. The processing fee is then charged on the new money the member actually receives, not on the balance being paid off. Every other fee is unchanged, and a plain new loan works exactly as before. **Escrow shares: hold a few months of the payment as security** * A product can require the member to hold a number of months of the loan's monthly payment in shares as security. The number of months can vary by how much the member saves (save more, hold fewer months), and an officer can override it on a loan. An administrator sets this on the product sheet. **Capture the member's credit rating and Risk Registry check** * An officer can record the member's credit rating from a credit report, along with the score and the source. The rating feeds the risk assessment when the loan is submitted. Leave it blank to keep the previous default. * The officer can also record the outcome of the Risk Registry check, clear or an adverse listing. An adverse listing is flagged for the adjudicator alongside the risk assessment. **Creditor-life cover now stays as you set it** * Turning off creditor-life cover on a loan now saves reliably and shows the same choice at every later stage, including securities. Past the draft, the loan states plainly whether the cover is included. **A use-of-funds authorization you can add yourself** * You can bring in a Use of Funds Authorization as one of your own forms, so the member signs one document authorizing the fees, the amounts held as security, and any consolidation payoff, together with the interest disclaimer. It is onboarded like the other bring-your-own forms. Two additions for the Credit Department: a set of ready-to-run management reports, and a way to bring your own credit-union forms into the platform so they fill themselves from the loan. **Reports** * A new **Reports** area (under Dashboards, for anyone with reporting access) gives you named, period-based reports you can read on screen, print, or download as a spreadsheet: **New Loans**, **Net Cash Disbursed**, the **Branch Managers Monthly Loan Report**, the **Credit Committee Report**, the **HOD Credit Activity Report**, and the annual **AGM Credit Committee Report**. Pick a report and a month or year; a Branch Manager sees only their own branch. * The figures come straight from the loans already in the platform, so a report is always current, with no spreadsheet to maintain by hand. **Bring your own forms** * Beyond the built-in agreements and deeds, an administrator can now upload **any** of your own forms as a template (for example an Authority to Deliver Motor Vehicle Title, a Salary Deduction Order, an RTGS form, or an Address Verification form), map its blanks to the loan's details once, and the platform fills and generates it per loan. * On the loan, an **Additional forms** card lets the officer generate each of these with one click and download the filled copy. These forms are there when you want them; they never block a loan from moving forward. See [Loan products](/admin/loan-products) and the documents templates area. Payoff and delinquency reporting stay in the core banking system, as before. A loan product now holds its whole product sheet, so what you set up in Administration matches the product sheets your credit union already writes. On top of the code, loan type, rate, and amount and term limits, each product carries these settings. **Audience: General or Staff** * A product can be marked **Staff** so your staff-only offerings are grouped and filtered as their own set. This is an eligibility label, not a loan type: a Staff Cash Secured product keeps its real security basis, so its pricing and risk are unchanged. Everything else stays **General**. **Fees, per product** * A product can now name its **own fees**. Attach specific fees from your fee schedule, enter a different amount for this product only, or waive a fee while keeping it on the sheet for the record. A product with no fee settings still uses the fees configured for its loan type, exactly as before. At disbursement the officer sees these product fees pre-filled and can still adjust them per loan. **Minimum shares, per product** * The minimum-shares requirement can now be set **on the product**, overriding the loan type's rate, so two products under the same loan type can differ. Leave it blank to inherit the loan type's rate. **Required supporting documents** * Record the documents a product asks a member for, such as a job letter, recent payslips, or a valuation report, and mark each Required or Recommended. A one-click button inserts a standard set to adjust. The list shows on the loan as a checklist so the officer knows what to collect; the documents are still uploaded in the member and income document cards. See [Loan products](/admin/loan-products). Setting up fees, loan types, and rate tables is unchanged. A round of refinements to electronic signing, on top of the signing that shipped the day before. Members have more ways to give a signature, remote codes now arrive by email, signatures sit on the document's own line, and an officer can e-sign the Disbursement Sheet. **More ways to sign** * When a member signs, they can now **draw** their signature, **type** their name and pick a signature style from a short list of fonts, or **upload** a photo or scan of their signature. A preview shows exactly what will be placed on the document before they commit. * The signature is now placed on the document's **own signature line**, where a signature belongs, rather than at the foot of the page. **Remote codes come by email** * The one-time code for remote signing now arrives by **email**, to the same address as the signing link, instead of by text. A member needs only an **email** on file to sign remotely; a phone number is no longer required. The code expires after 10 minutes. * The signing emails carry your workspace's **own name and branding**, so they read as coming from your credit union. **Officers sign the Disbursement Sheet** * A second officer can now e-sign the **Loan Disbursement Sheet** as the **checker**, on its "Checked by" line. Maker is never checker: the officer who prepared the sheet cannot sign it off, so a different officer always checks the disbursement. See [Member signing](/legal-documents/signing). A member no longer has to sign on paper. They can sign a consent form or accept their loan terms right on the screen, either in the branch or from a secure link sent to their phone, and you can still print, wet-sign, and upload whenever a member prefers ink. Signing and uploading are two paths to the same place, so nothing about the old way changes. **Sign in the branch** * On the loan's **Legal documents** card, a prepared consent form now carries a **Sign electronically** button next to **Upload signed**. The officer hands the member the device, the member signs on a pad and confirms the consent statement, and the form lands as **Executed** with the signature embedded in the PDF. * This covers the member acknowledgement forms, the **Personal Credit Consent** and the **Declaration of Purpose**. The deeds that need a witness or a Justice of the Peace, the Guarantee, the NSIPP agreement, the Mortgage Deed, and the Insurance Assignment, still print and upload. Guarantors sign on paper in this release. **Accept the loan terms before approval** * The officer can generate a **draft loan agreement** while the loan is still being worked. It shows the amount, term, rate, and repayment on offer, carries a clear **DRAFT, PROPOSED TERMS, NOT YET APPROVED** watermark, and the member e-signs it to accept the terms. Accepting the draft does not approve the loan or create the final contract; the real, binding [loan agreement](/loans/loan-agreements) is still generated separately after approval. **Sign remotely, from a link** * Click **Email signing link** and the member receives a secure, single-use link by email. They confirm a one-time code sent by text, review the document, and sign on their own device, and the officer sees the status update. Remote signing needs the member to be **identity-verified** with an **email** and **phone** on file. The link is single-use and expires in 72 hours. **Emails and the record** * The member receives the **signing link** by email, and a **confirmation receipt** after any successful signature. * Every signature is embedded in the signed PDF, kept with a cryptographically signed receipt of exactly what the member agreed to and when, and written to the [audit trail](/compliance/audit-trail). The audit entry records that a signature happened and how, never the member's name or the signature image. * Two new permissions govern it: facilitating a signature (Credit Officer, Securities, Disbursement, Administrator) and viewing signature status (every role in the loan's pipeline). See [Member signing](/legal-documents/signing) and [Roles and permissions](/access/roles-and-permissions). A wide batch of Credit Officer feedback, worked through end to end. The capture screen now holds more of the detail an officer works with day to day, fees and shares behave the way your credit union expects, Securities and Disbursement gained a place to record collateral and lock a member's pledged funds, and a few quieter fixes made the sign-in emails prompt again. **Capture and the Statement of Affairs** * A member can now be identified by their **Driver's Licence**, alongside the existing identification types, when you capture or verify them. * The Statement of Affairs now records every money figure to the exact cent, so what the officer keys is what is stored, with no rounding. * The new loan's own monthly repayment now shows in the Statement of Affairs and is counted in the affordability (TDSR) check, so the figure reflects the repayment the member is about to take on. * The estimated **monthly repayment** and the **interest rate** now appear right in the **Loan purpose and type** section, so the officer sees the cost of the loan while capturing it. * Every section of a draft now saves on its own as you go, including the Credit Officer's recommendation, so a part-finished application is never lost and nothing has to be re-keyed at submit. **Fees, rates, and shares** * Each loan now carries a plain-language explanation of how its interest rate was worked out, so an officer or member can see why the rate is what it is. * While capturing a loan, the Credit Officer can choose how each fee is treated and add ad-hoc fees and charges to that specific loan, on top of the standing fee schedule. * Creditor-life insurance no longer applies to cash-secured loans, since the pledged cash already secures the loan. * A workspace-wide **Mandatory Shares** policy sets the flat share amount a member must hold, and only your **Systems Administrator** can change it. * A separate **Minimum Shares** figure is set as a percentage of the loan and can differ by loan product, so each product can carry its own shares requirement. * Each fee can now be posted to a chosen **General Ledger account** on the disbursement sheet, and the double entry stays balanced automatically, so the sheet reconciles cleanly for your finance team. See [Fees, deductions, and GCT](/disbursement/fees-and-gct). **Securities, collateral, and documents** * External cash-secured loans, where the pledged cash sits at another institution, can now carry their own supporting documents on the file. * When you raise a security request, the standard perfection items, a vehicle title, an insurance binder, a valuation, and the like, are offered as **quick-add chips**, so the common requests are one tap rather than retyped. See [Securities](/workflows/securities). * Loan reviewers can now view an applicant's identity documents, their TRN, Driver's Licence, and Passport, shown **masked** and with every view written to the audit trail, so a reviewer sees enough to confirm identity without the full number being exposed. See [Audit trail](/compliance/audit-trail). * A member's **income and employment documents** now surface on the review screens and at capture, and a Credit Manager gets a full loan-file view of the supporting documents behind a loan. * A new **Collateral and security holds** section lets the Securities or Disbursement officer record or adjust the collateral on a loan and place a **hold (a lien)** on the member's own shares or savings, so the pledged funds cannot be withdrawn while the loan is outstanding. The hold is released once the loan settles, and it shows on the member's profile the whole time. Who can place or release a hold is set out in [Roles and permissions](/access/roles-and-permissions). * The full **loan product sheet** is now captured as structured repayment and approval settings, so a product's terms live on the loan record. **Adjudication** * When a loan is returned to the Credit Officer for more information, the adjudicator's name is now hidden, keeping the back-and-forth impartial. See [Adjudication](/workflows/adjudication). **Email delivery** * Password-reset and email-verification messages now arrive promptly. A queuing delay that could hold them up has been cleared, so a member or officer resetting a password gets the email straight away. * A quiet health check now watches mail delivery in the background, so if messages ever begin to lag, the team notices and can act early. **Roles** * Recording or adjusting collateral, and placing or releasing a security hold on a member's account, are held by the **Securities** officer, the **Disbursement** officer, the **Credit Manager**, and the **Administrator**. The **Credit Officer**, **Adjudicator**, and **Branch Manager** can view holds but not place or release them. Editing the fee schedule and its General Ledger accounts stays with the **Administrator** and **Credit Manager**, and changing the Mandatory Shares policy is reserved for the **Systems Administrator**. See [Roles and permissions](/access/roles-and-permissions). Bring the loans you already have onto the platform, each one recorded just as it was originally made and landing at its true historical stage. Import a whole book from a spreadsheet, or key a single paper loan at a time, with the right people attributed to each stage and a signed record of exactly what came in. This is a one-time import of loans you already made, not a new origination: no servicing, no repayment, no balances. **Two ways in** * A **bulk workbook import** takes a spreadsheet of your loans, one row per loan, with linked sheets for guarantors, collateral, and payees. See [The workbook](/migration/workbook) for the columns. * **Guided single-loan entry** keys one paper loan at a time and attaches a photo or scan of the file, for the one-offs that do not warrant a spreadsheet. There is no OCR: the scan is filed as the source record. **The batch console** * Every import becomes a batch under **Administration → Migrations**. You upload and stage the loans, review each one and attribute its officers, reconcile against the count and total you expected, then commit. See [Loan migration](/migration/overview). * Staged rows are encrypted while you review them, and money and dates are echoed back in plain form, like `J$1,250,000.00` and `14 Mar 2021`, so a scale or date mistake is caught before anything commits. * Commit imports every ready loan, or only the ones you tick, and it resumes safely if a large book is interrupted. Loans that still need review stay staged for a later pass. **Historical people, kept honest** * A former officer who has left is recorded as a historical actor: credited for the work in attribution and analytics, but with no login and no way to be assigned new work. * Every migrated loan is classified and date-bucketed in analytics for its true historical year, so a loan disbursed in 2021 counts in 2021, not the month you imported it. **Signed compliance attestation** * After a batch commits, you seal a tamper-proof, cryptographically signed certificate of exactly what came in: how many loans, their total value, whether the totals reconciled, and who uploaded and signed off. It is stored in write-once compliance storage for seven years and downloadable from the batch. See [Audit trail](/compliance/audit-trail). **Who can run it** * Four roles hold migration access: the Administrator, the Credit Manager, the Credit Officer, and the Branch Manager. Sign-off is optional, and there is no maker-checker on import: anyone with access can commit the ready loans. See [Roles and permissions](/access/roles-and-permissions). Your credit union's own legal forms now live in the platform. Upload each form once, map its blanks to loan data, and the platform prepares it for every loan, filled with the right figures, ready to sign and file. Adding a new form is configuration, not a code change. **Legal documents on the loan** * Every loan now carries a **Legal documents** card that opens with exactly the forms that loan needs: the Personal Credit Consent for the borrower and each guarantor, the Guarantee & Indemnity per guarantor, the NSIPP Security Agreement on auto loans, the Declaration of Purpose when the net disbursement is below J\$1,000,000, and the Loan Disbursement Sheet. * Each form follows a two-step lifecycle. **Prepare** fills your template with the loan's own data and produces the PDF; **Upload signed** files the wet-signed scan back against the loan. The row tracks the state: required, prepared and awaiting signature, or executed. * The paperwork gates the workflow. Securities cannot hand a loan to Disbursement until the guarantee and, on an auto loan, the security agreement are signed; Disbursement cannot mark a loan disbursed until the Loan Disbursement Sheet is signed. See [Legal documents](/legal-documents/overview). * The Loan Disbursement Sheet enforces maker is never checker: the person recorded as checking the sheet must differ from the one who prepared it and the one disbursing. **Document templates** * A new **Document templates** page under Administration lets an Administrator or Credit Manager bring your credit union's own forms onto the platform. Register a form, choose how it fills (PDF form fields, an overlay on a flat PDF, or a fully rendered structured layout), map its fields, preview it against sample data, and activate it. See [Document templates](/legal-documents/templates). * Templates are versioned and immutable once active. A new version supersedes the old one, and prior versions stay on file, so the exact form behind any signed document can always be reproduced. * A field mapping can only reference the loan data allowed for that form, checked when you save it and again each time a document is prepared, so a form can never be pointed at data it should not print. * Mortgage deeds and insurance assignments ship ready to configure, proof that a new form is pure configuration with no engineering. **Permissions** * The stage operators prepare and file the documents for their stage; voiding a document is a supervisory control held by the Adjudicator and Credit Manager; everyone in the pipeline can view. Managing the template catalogue sits with the Administrator and Credit Manager. See [Roles and permissions](/access/roles-and-permissions). Two views built for the people doing the work: a personal home that shows each officer exactly what is theirs, and a manager view of how long loans sit with each person at each stage. Plus the creditor-life premium estimate now reads cleanly. **My work** * A new **My work** dashboard gives every officer one home for their own work: what is on their plate now, what they have completed, and what they have touched in the selected period. Open it from **Dashboards → My work**. * The completed tiles shape themselves to your role. A Credit Officer sees applications submitted, an Adjudicator sees approvals and declines, Securities sees resolutions, and Disbursement sees loans disbursed, each with a count and the net value where it applies. * Four signals sit across the top for every role: how many loans are on your plate and how long the oldest has waited, the requested value of that pipeline, your average claim-to-completion time, and how many loans you touched in the period. * A week, month, or quarter selector sets the period, a recent-activity list shows your latest actions, and an **Export CSV** button downloads your plate and completions. * The dashboard is private to you. Every figure is pinned to your own sign-in, so one officer never sees another's numbers. It needs no special permission, so everyone with a sign-in has it, whatever their role. **Stage timing by officer** * The Analytics page gained a new panel, **Stage timing by officer**, that shows how long loans sit with each person at each stage and which specific officer held each one. See [Analytics dashboards](/admin/analytics-dashboards). * A **Time in each stage, by officer** table groups by officer, with the loans handled, the average, and the p95 for each stage they worked. Search by name, filter by stage or role, sort by most time, most loans, or slowest stage, and click a stage to see the loans behind it. Rows with fewer than three loans are dimmed as a small sample. * A **Per-loan timelines** view draws each loan as a proportional bar showing who held each stage and for how long, with a colour legend. Search by loan ID or member, filter by stage, and click any segment to open that loan's full stage breakdown with the dates and durations. * Durations read in whole units, so a stage shows as 13d or 3h rather than 13.3d, while quick steps stay in minutes and seconds. * It sits on the Analytics page, so it is available to Credit Managers, Branch Managers, and Administrators (any role with `reports.view`). Branch Managers see only their own branch. The panel has its own **Export CSV**. **Creditor-life premium** * The creditor-life premium estimate now shows three figures that reconcile: per month, per year, and the total over the loan term. The monthly figure leads, since it is the amount added to the loan payment and counted in affordability. * The manual premium field is now labelled clearly as the total premium for the term, matching how the figure is used. The biggest release so far. Fees became real and editable, creditor-life cover is now configurable per loan, guarantors get their own document files, and the capture flow gained the detail a Credit Officer works with day to day. **Fees and GCT** * The processing fee is now charged at the rate your credit union sets and carries 15% GCT, the same standard rating as the legal and valuation fees. Insurance premiums stay GCT-exempt. * A new **Fee schedule** page under Administration lets an Administrator or Credit Manager change any standing fee in place: its rate, whether GCT applies, how it is treated, and whether it is active. See [Edit the fee schedule](/admin/fee-schedule). * The application page now shows a read-only **Fees that will apply** card so the officer and member can see the total fees, GCT, and the net to the member before anything is submitted. **Creditor-life insurance** * Creditor-life cover is now configurable on each loan in its own Insurance section: whether cover applies, the sum insured, whether the premium is level or reduces as the loan is repaid, and an optional manual annual premium. * The estimated premium feeds the total monthly payment and the affordability (TDSR) check, so the figure the member sees reflects the cover they are actually taking. **Guarantors** * Each guarantor now has their own Documents block for identification, proof of income, and an employment letter. The files follow the loan, so the Adjudicator, Securities, and Disbursement reviewers all see them downstream. * Guarantor documents inherit the exact access rules of member documents, so a reviewer who can open a member's file can open the guarantor's file on the same loan, and no wider. **Members and KYC** * A passport can now back a manual KYC attestation. The automated registry still covers TRN and driver's licence; a passport is confirmed in person and recorded against the member. * The KYC page gained an **Other identification** card for passports, national IDs, voter's IDs, and the like, so every piece of identity evidence sits on one page. * Identity uploads now take several files at once, and a multi-page document like a passport keeps a label per page. **Cash-secured loans** * A member can now pledge more than one account against a single cash-secured loan, for example shares plus a fixed deposit, including the new Fixed / Time Deposit account kind. * The 95% limit is now enforced against the combined pledged cash. If the requested amount runs over, the application warns the officer and blocks the submit rather than just advising. **Capture flow** * The Statement of Affairs now captures monthly expenses by category, with quick-add chips for the common ones and a live total income, total expenses, net monthly, and TDSR readout. * The mandatory shares figure now shows as its own tile during capture, and the rate shown reflects the applicant's risk band rather than a flat number. * Mortgage amount and term limits now come from the loan product, which can run a term up to 480 months, and the platform enforces the product's bounds when the officer enters the loan parameters. **Roles** * Two new sets of permissions landed: `fees.manage` for editing the fee schedule, held by the Administrator and Credit Manager, and the `loans.guarantors.documents.*` set for guarantor files, which mirrors member-document access. See [Roles and permissions](/access/roles-and-permissions). A fix so generated loan agreement PDFs render reliably once a loan is approved, with no missing-dependency failures in the live environment. * Loan agreement documents now generate consistently in production. A wording pass across the product so the words on screen match how a credit union actually talks about itself. * The product now says "workspace" and "your credit union" in place of internal wording, so the language reads the way your team does. A new reporting view for managers and a cleaner overall look, with the day-to-day navigation tidied up. * A new analytics dashboard gives Credit Managers, Branch Managers, and Administrators a read-only view of lending activity and reports. * The application shell was redesigned for a calmer, more consistent look across every page. * General dashboard and navigation polish throughout. The disbursement side gained real operational controls: a settlement lifecycle, payee screening, a saved-payee directory, and maker-checker separation so the person who releases funds is not the only person involved. * A settlement lifecycle tracks each released disbursement through sent, cleared, returned, and failed. * Payees can be screened for AML and sanctions before funds move. * A saved-payee directory holds the destinations a Disbursement officer uses daily, backed by a bank directory so routing details are picked, not retyped. * Maker-checker separation keeps the officer who schedules a disbursement distinct from the one who approves it. See [Disbursement controls](/disbursement/controls) and [Settlement](/disbursement/settlement). The groundwork for everything fees-related, plus loan ownership so the right people are notified, and an in-app map of where a loan sits in its journey. * The fees, GCT, and net-to-member engine landed: every fee line reduces the gross loan down to the net the member receives, with GCT applied to the taxable lines. See [Fees, deductions, and GCT](/disbursement/fees-and-gct). * Loans now have an owner, so notifications target the officer actually working the file rather than the whole team. * An in-app workflow map shows where a loan sits across its stages, from draft through filing. The release that opened up configuration: named loan types, an editable rate table, a searchable audit trail, and in-app support. * Your credit union can now define its own named loan types, each mapped to one of the four archetypes. See [Loan types](/loans/loan-types). * Rate tables became editable in the app, with every change written to the audit trail. See [Rate tables](/admin/rate-tables). * A new audit viewer makes the trail searchable, so a manager or compliance officer can find exactly what happened and who did it. See [Audit trail](/compliance/audit-trail). * In-app support and a clearer permissions model rounded out the release.