> ## 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.

# Originate your first loan

> Sign in, verify a member, create a loan application, submit it for adjudication, and track it through the workflow.

Five steps take you from signing in to a submitted loan: sign in, verify a member, create the application, submit for adjudication, and track it. Each step is gated on the one before it: you cannot submit without a verified member.

<Tip>
  Invite the rest of your team before you create your first loan, so each person can act in their own role. Go to **Administration** then **Invitations** and invite your Adjudicators, Securities team, and Disbursement team. A loan cannot advance past adjudication without someone to claim that queue.
</Tip>

<Steps>
  <Step title="Sign in to your workspace">
    Every credit union has its own workspace URL. Go to your credit union's address:

    ```text theme={null}
    https://loan.compuzign.com/your-slug
    ```

    Replace `your-slug` with the short identifier your Administrator gave you, like `https://loan.compuzign.com/demo-cu`.

    Enter your email and password. If you have set up two-factor authentication on your account, enter the one-time code from your authenticator app.

    After signing in you open your workspace and land on the sidebar's Overview dashboard, reachable at `/your-slug/dashboard`. It shows action queues and recent activity, and the tiles you see depend on your capabilities. From the left navigation, a Credit Officer opens Loans and an Adjudicator opens the Adjudication queue.
  </Step>

  <Step title="Verify your first member">
    Every loan application links to a verified member record. Create the member and complete KYC before you submit a loan.

    1. In the left navigation, click **Members**.
    2. Click **New member** and fill in their details: Member CIF number, full name, date of birth, Tax Registration Number (TRN) or driver's licence number, contact information, and branch. The member needs a TRN or driver's licence number on file before you can run KYC, and the CIF number is how you find them later when creating a loan.
    3. Click **Create member**. KYC status shows **Unverified**.
    4. Open the record and go to the KYC page. Under **Verify against identity verifier**, choose **TRN** or **Driver's licence** as the verification type, then click **Submit for verification**. This runs that number through the identity verifier. If you have confirmed the member's documents in person instead, use **Verify manually**.
    5. The check returns one of three results:
       * **Verified**: identity confirmed, the member is ready to link to a loan.
       * **Failed**: the number could not be verified. Capture a different identifier or correct the details and try again.
       * **Manual review**: the check raised a flag, so the case lands in the KYC review queue for a reviewer to approve, reject, or escalate.

    Each retry creates a new verification record, so every attempt is kept on file.
  </Step>

  <Step title="Create a loan application">
    With a member in place, open a new application. You can start a draft while KYC is in progress or in manual review, but submission stays blocked until KYC is Verified.

    1. In the left navigation, click **Loans**, then **New application**.
    2. In the **Search members by name or CIF** field, find and select the member you just verified.
    3. Choose the **loan type** that matches the request:
       * **Unsecured** is a personal loan with no collateral.
       * **Cash secured** is backed by the member's savings or shares.
       * **Motor vehicle** is a vehicle loan secured against the vehicle.
       * **Real estate** is a property loan secured against real estate.
    4. Pick the product, then click **Create draft application**.
    5. On the draft, work through each section: applicant details, employment, statement of affairs (income and expenses), loan purpose, guarantors if any, and collateral if the type needs it.

    The platform saves your progress as a draft as you go. Leave and come back any time before you submit.
  </Step>

  <Step title="Submit for adjudication">
    Before you submit, check the figures the platform computed from your inputs:

    * **TDSR (Total Debt Service Ratio)** is the applicant's monthly debt obligations as a percentage of gross income.
    * **Risk band** is a rating from **R1** (lowest risk) to **R5** (highest risk), calculated from employment, income, loan type, and other factors.
    * **Indicative rate** is the rate that applies based on the loan product and risk band.

    Confirm every required section shows a green tick. When the application is complete, click **Submit application**. Submission is blocked unless the member's KYC status is Verified.

    Status changes from **Draft** to **Submitted**, and the loan enters the Adjudication queue. The form sections lock. Only an Adjudicator can request changes from here.
  </Step>

  <Step title="Track the loan through the workflow">
    After submission, the loan routes to the next department's queue at each step. Staff in that department pick it up and act: an Adjudicator claims it and records a decision, the Securities team clears collateral, and the Disbursement team executes the funds release. One step, Securities to Disbursement, advances automatically once collateral clears. Watch progress any time from your **Dashboard** or the **Loans** list.

    | Status             | Department           | What is happening                              |
    | ------------------ | -------------------- | ---------------------------------------------- |
    | **Submitted**      | Adjudication queue   | Waiting for an Adjudicator to claim it         |
    | **Adjudication**   | Adjudication         | Adjudicator is reviewing the application       |
    | **Info requested** | Your queue           | Adjudicator asked for more information         |
    | **Approved**       | Moving to Securities | Decision recorded                              |
    | **Securities**     | Securities queue     | Securities team confirming collateral          |
    | **Disbursement**   | Disbursement queue   | Disbursement team scheduling the funds release |
    | **Disbursed**      | Being archived       | Funds released                                 |
    | **Filed**          | On permanent record  | Loan complete                                  |

    If the Adjudicator requests more information, status moves to **Info requested** in your queue with a note on what is needed. Update the application and resubmit. The loan returns to the Adjudication queue for the decision to continue.

    Each status change sends an email to the team responsible for the next step, when recipients exist for that role.
  </Step>
</Steps>

<Note>
  Your role decides what you can see and do. A Credit Officer creates and submits applications but cannot open the Adjudication or Disbursement queues. An Adjudicator approves or declines but cannot edit a submitted application's form data. If you need a feature you cannot see, ask your Administrator to review your role.
</Note>