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The Loan Origination System (LOS) takes a loan from first enquiry to disbursement and filing in one workspace. Credit Officers capture. Adjudicators decide. The Securities team checks collateral. The Disbursement team releases funds. Every action is recorded as it happens, and each department sees exactly what it needs to.

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Key features

Loan lifecycle management

Track every loan from draft through adjudication, securities review, disbursement, and filing. When a department records its decision, the loan routes itself to the next department’s queue, so no loan stalls between stages.

Member management and KYC

Keep a complete member registry with contact details, identity documents, and KYC status. The draft to submitted transition is blocked unless the member’s KYC status is Verified.

Role-based workflows

Each staff member sees only the queues, actions, and data their role allows. Credit Officers capture, Adjudicators decide, the Securities team checks collateral, the Disbursement team executes. No role skips or overrides another department’s step.

Audit and compliance

Every status change, decision, and document upload lands in a tamper-evident, hash-chained audit log. Generate a compliance export bundle at any time for regulatory review.

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The seven roles

Seven roles ship built in, one per credit union loan department job:
  • Credit Officer captures loan applications, manages member records, and submits applications for adjudication.
  • Adjudicator reviews submitted applications, weighs the risk score and rate, and records an approve, decline, or information-request decision.
  • Securities confirms that collateral is perfected before a loan moves to disbursement.
  • Disbursement schedules and executes approved, secured loans and releases the funds.
  • Credit Manager oversees the full in-flight pipeline across every branch, approves high-value disbursements, and reads reports.
  • Branch Manager views and tracks the loans belonging to their assigned branch.
  • Administrator manages users, role assignments, invitations, and workspace configuration.
Each role gets a tailored dashboard and can only take the actions its role permits.

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How it works

A loan moves through four departments in sequence. At each step the right team acts, and the loan routes to the next queue. Only the move from securities to disbursement happens automatically, once collateral clears.
  1. Capture. A Credit Officer creates a member record, submits the member for KYC, then fills out a loan application with employment, income and expenses, and any collateral. The platform auto-calculates the applicant’s TDSR, risk band, and indicative rate.
  2. Adjudication. The application enters the Adjudication queue. An Adjudicator reviews the risk assessment, can ask the Credit Officer for more information, and records an approval or decline. An information request moves the application to Info requested, routes it back to the Credit Officer as a draft, and re-runs the risk assessment when they resubmit.
  3. Securities. Approved applications move to the Securities queue. The Securities team confirms every piece of collateral is perfected: title transferred, property registered, or cash hypothecated. A documentation gap raises a securities issue that has to clear before the loan proceeds.
  4. Disbursement and filing. Once securities are clear, the Disbursement team applies fees and GCT, schedules the payees, and executes the funds release. After disbursement settles, the loan is filed and archived.
Every credit union is a separate, fully isolated workspace. Your members, loans, staff accounts, rate tables, and audit records are never visible to any other credit union on the platform. Your workspace has its own URL path, like https://loan.compuzign.com/your-slug, and every record is scoped to your organisation alone.