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Town & Country Federal Credit Union

How to work an application

The origination system carries an application — a personal loan or a credit card — from the moment it is submitted to the moment it is booked and funded. Every application is worked from the same screens, whichever branch it came in through, Loan by phone included.

The chapters below follow a file through its life, in order, on the real screens. Follow it once end to end, then come back to any chapter when you need it.

Start the guide0 / 9 chapters

Application intake

  1. 1How an application reaches youWhere an application comes from and what the system has already done before you open it.4 steps · 4 min
  2. 2Where your work livesThe queues, how to narrow them, and how to find and open one file.20 steps · 14 min

Underwriting

  1. 3Inside one applicationThe bar every page shares, and the pages every file has.5 steps · 5 min
  2. 4Reading the decision pageWhat each block of the decision page tells you, for a personal loan and for a credit card.6 steps · 5 min
  3. 5Rules, exceptions and notesWhat failed, why a file was declined, what is still required, and where the reasoning is written down.4 steps · 6 min
  4. 6Where the numbers come fromThe credit pull and the debts behind the ratios on the decision page.8 steps · 9 min
  5. 7Recording the decisionSetting the status, and checking that the decision was recorded and the member was told.5 steps · 5 min

Funding

  1. 8Tasks, documents and emailsThe conditions between a decision and funding, the contract, and the paperwork.16 steps · 21 min

After the decision

  1. 9What the file went throughThe record of every decision run, down to what the system returned.4 steps · 2 min

Reference

One page per screen, with every control on it.

GlossaryWhat the words on the screens mean.