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A member can sign the paperwork on a loan two ways: on paper, the way they always have, or electronically, right on the screen. Both are first-class. Electronic signing is an option, never a requirement, so you can always fall back to print and upload if a member prefers ink. Electronic signing captures the member’s signature into the document itself, stores the signed copy with a tamper-evident receipt of what they agreed to and when, and writes every signature to the audit trail. It works in the branch and remotely, and it covers both the member’s consent forms and the loan agreement itself.
Signing and uploading are two paths to the same place. A document that a member e-signs and a document you upload as a wet-signed scan both land as Executed on the loan, with the signed copy on file. See Legal documents for the prepare-then-execute lifecycle.

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What a member can sign electronically

Not every form is e-signable. The member-facing acknowledgement forms are; the deeds are not. Guarantors always sign on paper in this release. E-signing is for the borrower.

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Sign in the branch

When the member is in front of you, hand them the device and let them sign.
1

Prepare the document

On the loan’s Legal documents card, click Prepare on the consent form’s row. The row moves to Prepared, awaiting signature.
2

Click Sign electronically

On the prepared row, click Sign electronically. A signature panel opens, with the consent statement the member is agreeing to right above it.
3

Let the member capture their signature

The member gives their signature one of three ways, whichever suits them:
  • Draw it with a finger or stylus on the pad.
  • Type their name and pick a signature style from a short list of fonts.
  • Upload a photo or scan of their signature.
A preview shows exactly what will be placed on the document before they commit.
4

Confirm and finish

The member ticks the box to confirm they have read the document and consent to sign it electronically under the Electronic Transactions Act, 2006, then clicks Sign electronically to finish.
The document moves straight to Executed. The member’s signature is placed on the document’s own signature line, the signed copy is stored, and a signed receipt of their consent is filed alongside it. Facilitating an e-signature needs the loans.esign.request capability, which the Credit Officer, Securities, Disbursement, and Administrator roles hold.

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Sign the loan terms before approval

The member can review and accept their loan terms before the loan is approved, as a draft. Generate a draft loan agreement from the loan while it is still being worked. It carries a clear DRAFT, PROPOSED TERMS, NOT YET APPROVED watermark, and it is built from the loan’s current figures, the amount, the term, the rate, and the repayment. The member reads it and e-signs it to say they accept the terms on offer. This is a draft. Accepting it does not approve the loan, does not move it to the next stage, and does not create the final contract. It is a record that the member saw the numbers and agreed to them. After the loan is approved, the platform generates the real, binding loan agreement separately, from the final approved figures.
Regenerating the draft, after a rate change for example, supersedes the earlier one. Only the latest draft is live for signing, and the member accepts the version they were shown.
When the member is not in the branch, send the document to their email. Click Email signing link on the document or the draft agreement. The member receives an email with a secure, single-use link. Opening it, they enter a one-time code emailed to the same address, review the document, capture their signature the same three ways as in the branch, and sign on their own device. When they finish, the document lands as Executed on the loan, exactly as if they had signed in the branch, and the officer sees the status update. Remote signing has three requirements, all in the name of proving it was really the member:
  • The member must be identity-verified. Their KYC status has to be Verified. If it is not, sign in the branch instead.
  • The member must have an email on file. It carries both the signing link and the one-time code.
  • The link is single-use and expires in 72 hours. The one-time code expires after 10 minutes and allows only a few tries before you have to send a fresh one.
The link never carries the document or the member’s data in its address, and a link issued for one loan can only ever sign that one document. A link that has already been used, or has expired, is refused.

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Officers sign the Disbursement Sheet

The Loan Disbursement Sheet is never member-signed, but a second officer can now sign it off electronically as the checker, the same way a member signs a consent. The signature lands on the sheet’s own “Checked by” line. Maker is never checker: the officer who prepared the sheet cannot sign it off. The Sign electronically action is hidden for the officer who prepared the sheet, so a different officer always checks the disbursement. This keeps the separation of duties on the document that releases the money.

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The emails a member receives

The emails go to the member’s address on file and carry your workspace’s own name and branding, so they read as coming from your credit union.
  • The signing link, when you send a document for remote signature. It contains the secure link.
  • The one-time code, a short code the member enters after opening the link, to prove it is really them.
  • A confirmation receipt, after any successful e-signature, in the branch or remote. It confirms what they signed and that a tamper-evident record was kept.

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What gets recorded

Every e-signature is built to stand up later.
  • The captured signature is placed on the document’s own signature line and embedded into the signed PDF, and that signed copy is stored with a fixed retention period. The original prepared PDF is never altered.
  • A separate signed receipt records the exact consent statement, its version, who signed, and the moment they signed, and it is cryptographically signed so any later tampering is detectable.
  • The signature, the consent, and the method, in branch or remote, are written to the audit trail. The audit entry records that a signature happened and how, never the member’s name or the signature image.

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Who can do what

Two capabilities govern member signing.
  • loans.esign.request lets a role facilitate a member signing, in the branch or by sending a link. The Credit Officer, Securities, Disbursement, and Administrator roles hold it.
  • loans.esign.view lets a role see whether a member has signed. Every role in the loan’s pipeline holds it, including the Adjudicator, the Credit Manager, and the Branch Manager, so a reviewer can confirm the paperwork without being able to run the signing.
HR and general Staff hold neither. See Roles and permissions for the full matrix.