Claim and assign loans to an owner

Give a loan an owner so it leaves the team queue. Staff claim unassigned loans for themselves, and supervisors assign or reassign loans to a specific person.

Every loan in an active stage can have an owner. The owner is the one person responsible for the loan’s current step, and notifications about the loan go to that person instead of the whole team. A loan gets an owner in one of two ways: a staff member claims an unassigned loan for themselves, or a supervisor assigns it to a specific person.

Why ownership matters

While a loan sits unassigned, it lives in a shared team queue and notifications fan out to everyone who can work that stage. The moment someone owns it, the platform narrows those notifications to the owner alone. Ownership is how work gets directed and how a loan stops being “anyone’s job” and becomes “this person’s job.”

The two ways a loan gets an owner

Claim: take an unassigned loan for yourself

A staff member who works a stage can pull an unassigned loan in that stage onto themselves. This is self-service. You need the loans.claim capability, and you must be eligible for the loan’s current stage. Claiming records loan_application.claimed and sets you as the owner.

Claiming is race-safe. If two people try to claim the same loan at the same moment, only one wins. The other is told the loan is already owned.

Assign: direct a loan to a specific person

A supervisor can assign or reassign a loan to any eligible person, overwriting any existing owner. The loans.assign capability is the supervisor right that allows this on any loan. The platform validates that the chosen person can actually work the loan’s current stage, so you cannot route a loan to someone who has no way to act on it. Assigning records loan_application.assigned and notifies the new owner by email.

Two scoped assign rights exist alongside loans.assign. A Credit Officer who holds loans.submit can route their own DRAFT to a specific adjudicator (a pre-assignment that carries forward into adjudication). And a stage worker who holds the loan’s current owning capability can reassign within their own stage, for example one Adjudicator handing a file to another Adjudicator.

Who holds each capability

Capability	Roles that hold it	What it allows
loans.claim	Adjudicator, Securities, Disbursement, Administrator	Claim an unassigned loan in your stage onto yourself.
loans.assign	Credit Manager, Branch Manager, Administrator	Assign or reassign any loan to a specific eligible person, and release a loan back to the queue.

The stage workers (Adjudicator, Securities, Disbursement) claim their own work. The supervisors (Credit Manager and Branch Manager) direct work to others. The Administrator holds both loans.claim and loans.assign through workspace management.

Which stages can have an owner

A loan can carry an owner only while it sits in a stage that someone actively works. The eligible owner for each stage is determined by the capability that owns the work there.

Loan status	Owner role	Owning capability
SUBMITTED	Adjudicator	loans.adjudicate
ADJUDICATION	Adjudicator	loans.adjudicate
INFO_REQUESTED	Adjudicator	loans.adjudicate
SECURITIES	Securities	securities.review
DISBURSEMENT	Disbursement	loans.disburse

Transient and terminal states (APPROVED, DISBURSED, FILED, DECLINED, CANCELLED, DRAFT_ABANDONED) have no owner. A DRAFT is treated as a pre-assignment: a Credit Officer can route a draft to the adjudicator who will review it once it is submitted, and that owner carries forward into adjudication.

The Assigned to card

The Assigned to card appears on the loan detail page in the adjudication, securities, and disbursement queues, and on the Credit Officer’s own loan detail page at /loans/[appId]. That officer view is where the DRAFT pre-assignment happens, routing a file to the adjudicator who will review it once it is submitted. What you see on the card depends on your capabilities and the loan’s state.

• When a loan is unassigned and you can work the stage, you see a Claim button.
• When you hold loans.assign and at least one eligible person exists for the stage, you see a picker listing every eligible person. On the worker-stage queues it reads Assign to or Reassign to; on the Credit Officer’s DRAFT view it reads Route to an adjudicator or Change adjudicator. When no eligible staff exist and the loan is still unassigned, the card shows “No eligible staff to assign for this stage” instead. That message appears only while the loan is unassigned.
• When a loan is owned, a Release button appears for the current owner or for anyone holding loans.assign.

The card shows an Owned badge whenever a loan has an owner, whoever that is, and adds a (you) label next to the owner’s name when that owner is you.

Filtering the queue by ownership

Each of the three queues (adjudication, securities, disbursement) has the same three assignment tabs, driven by the assign URL parameter.

Tab	Shows
All	Every loan in the queue, owned or not. This is the default.
My queue	Only loans you own.
Unassigned	Only loans with no owner yet, waiting to be claimed or assigned.

Use Unassigned to find work that needs picking up, and My queue to focus on what you already own.

Releasing and automatic handoff

A loan leaves an owner in three ways.

1. Manual release

   The current owner, or anyone holding loans.assign, clicks Release on the Assigned to card. The loan goes back to its team queue and records loan_application.unassigned. Anyone eligible can then claim it. Releasing a loan that already has no owner records nothing.

2. Stage handoff

   The platform clears the owner automatically at exactly two boundaries: APPROVED to SECURITIES, and SECURITIES to DISBURSEMENT. The receiving team then sees the new work and someone there claims it. This also records loan_application.unassigned. The adjudicator’s ownership carries forward from SUBMITTED through ADJUDICATION and APPROVED, and only clears at the move into SECURITIES.

3. Reassignment

   A supervisor assigns the loan to a different person. The previous owner is recorded on the audit trail alongside the new owner.

Events recorded

Every ownership change is written to the audit trail.

Event	When it fires
loan_application.claimed	A staff member claimed an unassigned loan onto themselves.
loan_application.assigned	A supervisor assigned or reassigned a loan to a specific person.
loan_application.unassigned	A loan was released to its team queue, manually or by a stage handoff.

Assignment never changes the loan’s status or moves it through the workflow. It only changes who owns the current step. Moving a loan forward is a separate action gated by its own capabilities.