Originate your first loan

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.

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.

Every credit union has its own workspace URL. Go to your credit union’s address:

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.

Verify your first member

Every loan application links to a verified member record. Create the member and complete KYC before you submit a loan.

In the left navigation, click Members.
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.
Click Create member. KYC status shows Unverified.
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.
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.

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.

In the left navigation, click Loans, then New application.
In the Search members by name or CIF field, find and select the member you just verified.
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.
Pick the product, then click Create draft application.
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.

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.

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.

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.