What you need
You need the Disbursement role, which carries theloans.disburse capability. If you can view the queue but cannot act on applications, ask your Administrator to verify your role.
How a disbursement works
Open the Disbursement queue
Open Disbursement under the Review queue group in the sidebar. The queue’s Pending tab shows loans in DISBURSEMENT status that are ready for scheduling or execution; the Completed tab shows disbursed and filed loans. The All / My queue / Unassigned tabs filter to your files or unclaimed work.
Open the application
Click a row to open the disbursement detail page. You’ll see the approved loan amount, the fee schedule pre-populated from your credit union’s configuration, and the calculated net-to-member amount.
Review fees and the net to member
The form shows the gross approved amount, the fee and tax breakdown, and the live Net to member figure. This is the amount you must distribute in full across all payees.
Enter payees and amounts
Add one or more payees, each with a payee type, name, payment method, account and routing details, amount, and purpose. The sum of all payee amounts must equal the net-to-member figure exactly before you can schedule.
Schedule the disbursement
Pick a scheduled date of today or later, then click Schedule disbursement. This creates the disbursement instruction with all its payees and fee lines. The loan stays in DISBURSEMENT status. The Disbursement team, or the file’s assignee if one is set, is notified that the disbursement is scheduled.Scheduling is refused if an instruction already exists on the loan (re-scheduling means reverting the file back to Securities first), or if the deductions would push the net to member below zero.
Execute the release
Return to the instruction and click Mark disbursed to release the funds. Only then does the loan move to DISBURSED. The Credit Officer is notified, and the member is notified too if member email delivery has been switched on for the platform (the
ILOAN_MEMBER_EMAILS_ENABLED environment setting, off by default). Scheduling and execution are two separate actions, so a file can be scheduled by one officer and released by another.Dual control is off until your credit union sets a threshold, so existing workspaces are never blocked by it. When it applies, the platform refuses to release the funds while approval is still pending. The block is enforced server-side, not by graying out the button: a net at or above your credit union’s dual-control threshold sets the instruction to await a second approver, and a different user holding disbursements.approve must sign off before the release goes through (the maker cannot be the checker). Until they do, Mark disbursed is turned away with an “awaiting a maker-checker approval” message.There is one exception to the two-step flow: when auto-disbursement is enabled and the net to member is at or below the configured threshold, scheduling executes the release immediately. Auto-disbursement also requires that no dual-control approval is pending, that the officer is within their personal limit, and that your credit union does not require AML screening.File the loan
With the loan in DISBURSED, the File loan card shows a File loan (terminal) button. Clicking it fires the DISBURSED → FILED transition (gated by
loans.disburse) and closes the file at its terminal FILED state. Filing always lands on FILED; it never routes the loan anywhere else. Filing is a manual step, not automatic.What the detail page shows
The disbursement detail page is also a read-only recap of the whole file, so you can sanity-check it before releasing funds without leaving the page. Alongside the approved amount and the payee form, you’ll see:- Risk assessment. The latest risk band, score, engine version, and the same factor breakdown the Adjudicator saw.
- Collateral summary. The most recent collateral record for secured loans, with valued amount and valuation source.
- Decision history. Every adjudication decision in order, each with its rationale, the decider’s name, and their role.
- KYC status. The member’s identity-verification state, with a link to their documents.
- Agreement. The signed loan agreement to view or download. If the agreement PDF failed to generate, the page surfaces the last generation error so you know why it’s missing.
Pre-execution checklist
Before you can schedule or release a disbursement, the loan has to clear three prerequisites. The detail page shows them as a Pre-execution checklist and disables the Mark disbursed button until all three pass:- Member identity verification (KYC) is VERIFIED.
- Zero outstanding security requests. No request on the loan is in PENDING or SUBMITTED.
- A loan agreement has been generated.
Disbursement topics
Disbursement has several detail areas, each covered on its own page.Payment methods
Choose a payment rail for each payee: ACH, RTGS, Internal Transfer, Cheque, Manager’s Cheque, or Wire/SWIFT. ACH cannot carry more than J$1,000,000 per payee. Use RTGS for larger amounts.
Fees and GCT
Review, edit, waive, or add fee lines, set how each is treated, and adjust the GCT rate. The net-to-member figure updates as you go.
Saved payees
Save frequently used payees such as attorneys, insurers, and dealer accounts to the payee directory, then reuse them without re-entering details.
Controls
Dual control sign-off, AML and sanctions screening, per-officer limits, and auto-disburse settings that govern who can release funds and when.
Settlement
Track each disbursement through its lifecycle as the payment moves on the rail: sent, cleared, returned, failed, or reversed.
Multi-payee disbursements
Many loans pay more than one party. An auto loan might split between the car dealer and the member. A mortgage might include a portion to an attorney for title transfer fees. Add payees with Add another payee, and the sum of all payee amounts must equal the net-to-member figure exactly before you can schedule. A single instruction holds between 1 and 20 payees, and the payee sequence numbers must run as a contiguous 1-to-N list with no gaps or duplicates.After disbursement
Marking a loan DISBURSED stamps the bank reference number on the instruction and emits thedisbursement.executed event, which notifies the Credit Officer (and the member, when member emails are enabled). The loan does not file itself. Filing is the separate manual step described above: someone on the Disbursement team clicks File loan to mark it FILED, and that always lands the loan on FILED.
Post-disbursement securities re-check
A few credit unions require a security check after funds have gone out, for example to confirm vehicle insurance was activated or a lien was filed. That re-check is a distinct DISBURSED → SECURITIES transition, gated byloans.adjudicate, that someone holding that capability initiates with a post-disbursement security request. It is not part of the File loan button, and clicking File loan never triggers it.
When that transition fires, the workflow opens a new security request and moves the file back to the Securities queue for review, while the loan’s status stays DISBURSED. The platform only allows it when your credit union’s securitiesFinalCheckRequired configuration flag is on (a setting on TenantWorkflowOverride, defaulting off; there is no screen that toggles it). Once the new request is resolved, the file returns through Disbursement and can be filed.
FILED is the terminal state. Once a loan is filed, the record is locked from further editing and the audit trail is complete. Any future lending for the same member requires a new application.
Disbursement dashboard
The Disbursement dashboard lives under the Dashboards group in the sidebar (Dashboards → Disbursement). It shows four tiles plus a throughput sparkline over fixed windows: Awaiting disbursement (a single count), Disbursed this week, Total disbursed (net of fees, last 7 days), and Avg approval to fund (last 7 days), with a Disbursements per day sparkline over the last 14 days. Reaching it needsloans.disburse or reports.view.