My Evaluations

This guide will equip you with the knowledge to confidently perform these evaluations. But first, let's establish some key concepts about loan evaluations in Mobiloan.

What is Evaluation?

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Before a loan is disbursed, a designated reviewer (the evaluator) meticulously evaluates it.

During the last step of the Origination Process, Mobiloan checks that you have the appropriate loan evaluation rights to payout the loan.

If not, the primary button will force you to request an evaluation (shown below)

Notifying the Evaluator

Once you have selected the Request Evaluation button, a dialog will appear prompting the user to select an assignee to evaluate the loan (shown below).

Conveniently, all the reasons that the payout is blocked for the current user will be revealed to you within the same dialog.

Basically, A user with evaluation rights may still be blocked from paying out the loan as there are warnings (located in the evaluation role right setup) that the user may not be authorized to bypass.

Evaluation Device Popup Notification

You can also opt to send a pop up notification to one of the users devices. To do so, simply select an available device belonging to the user from the dropdown labeled Send Evaluation Popup Notification to Device

Evaluation Email Notification

You may also include the related email address to send out an email notification to the evaluator. Simply enter the email address in the input field labelled Send Evaluation Email Request

Next steps.

Select the Submit button to assign and notify the evaluator. The evaluator in reference will then be required to approve the same.

Accessing Loans Pending Evaluation

There are two ways an authorized evaluator may access loans pending their evaluation:

1. By navigating to Origination -> Active loans and locating the Evaluate Now category.

2. By navigating to Origination -> My Evaluations and locating the loan that has been assigned to you.

Choosing From The Table of Results

Once you've selected My Evaluations option, you will be presented with a table of loans that have been assigned to you. Simply select a loan from the table.

Exporting Table Results : In most screens with a tabular view, you will have the on-screen options to export the table to an excel or csv format.

Let's dive into the process!

Once you've selected a loan, the evaluation workflow will begin. Don't worry, we'll walk you through each step of the workflow in the next section.

The Evaluation Process

Landing Page (Review)

The first step provides a detailed overview of information captured during loan origination. We encourage reviewers to carefully examine each item before moving on.

Secondary Options

This implies that at any given stage of the Evaluation Workflow, you may :

1. Navigate between any step of the evaluation workflow , similar to the sidebar functionality in Mobiloan. Simply select the Evaluation Workflow option

2. View the Loan Menu (menu dedicated to querying all related data pertaining to the loan).

3. Decline the loan.

If you're satisfied with the details, select the Bank Account Primary Button to continue with the rest of the workflow!

Bank Account

The dialog that appears presents the client's bank account details. You may validate the AVS-R report by selecting the View link in the AVS Status column.

Select the Document button to move on to the next step of the Evaluation Workflow.

Documents

Now, let's verify the client's documents to ensure everything is in order. Simply choose the document type you want to review from the table below.

For example, selecting "ID Document" will display an enlarged version of the client's ID .

If you wish to compare previously captured documents (for repeat clients) , simply select the Load Previous button shown in the screenshot below.

We've made this process straightforward for you! If everything looks good, let's click the "Credit Enquiry" primary button and move forward!

Credit Enquiry

In this section, you'll find a detailed view of the client's credit inquiry. Take your time to thoroughly review the credit report, paying particular attention to the crucial aspects of the report.

Sharing options

By selecting the Share button (shown above) you will be presented with the standard document sharing options in Mobiloan which consist of the following :

Once you've completed your review, simply proceed to the next step by selecting the primary button.

Affordability

This section helps you assess the client's financial current situation by assessing the affordability parameters captured during originationi.

If you've already set up precise affordability parameters in your category settings, you can be confident that clients who passed the initial affordability check are likely good candidates. This step acts as a final confirmation to catch any minor discrepancies.

To view precise details of each value captured during origination, select View Affordability Detail.

Client

Let's now focus on reviewing the client's details. We'll ensure all the captured information is accurate and consistent.

Dedicated Workflow:

There's a dedicated sub-workflow for this step, which you can find on the left-hand sidebar of your screen. This section will guide you through each step of the review process.

Breakdown by Step:

We'll be going over each step of this workflow in detail to make sure you feel confident reviewing the client's information.

Client Profile

Verify the initial details linked to the client's profile. If you notice a discrepancy or chose to raise a challenge, you may SMS or call the client in question. Once you're happy, let's move on by pressing the Notes button

Client Notes

Review any historic notes or add a note to the client, it will always appear and be visible to any user that queries this particular client.

This can be done by selecting the Edit Notes button.

Address

Review the clients address by viewing the location on the google map.

This can be done by selecting the View Map button.

Occupation

As a worker, it's important to verify the legitimacy of a potential employer. A quick online search can help confirm their existence. If you need further reassurance, you can always reach out to the employer directly to verify details.

References

In this section, you may SMS or Call a client reference.

FICA Due Diligence

This screen allows you to evaluate the outcome of the FICA Client Due Diligence (CDD) .

Once the client assessment is complete, the final step before approving the payout involves setting the pre-defined Debit Order parameters if the chosen loan repayment method is Debit Check.

Debit Order Presets

As an evaluator, you can set the default debit order parameters which will be pre loaded in the promissory creation screen during payout.

Evaluation Outcome

Once this step is complete, the process is finished. You can then simply approve or decline the application – it's straightforward!

Approve or decline the loan for payout