My Evaluations
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Loan evaluation is a critical step in the loan origination process, ensuring that each loan meets the necessary requirements before disbursement.
Before a loan is paid out, a designated evaluator carefully reviews the application to verify that it complies with approval criteria, regulatory requirements, and internal policies. This evaluation helps mitigate risks and ensures responsible lending practices.
During the last stage of the Origination Process, Mobiloan automatically checks whether you have the required rights to evaluate the loan.
If you do have the necessary permissions, you can proceed with the evaluation and payout.
If you don’t, the system will notify you and prompt you to request evaluation access before moving forward.
Once you have selected the Request Evaluation button - as shown above in the Origination Acceptance Step - a dialog will appear prompting the user to select an assignee to evaluate the loan (shown below).
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
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
Select the Submit button to assign and notify the evaluator. The evaluator in reference will then be required to approve the same.
There are two ways an authorized evaluator may access loans pending their evaluation:
By navigating to Origination -> Active loans and locating the Evaluate Now category.
By navigating to Origination -> My Evaluations and locating the loan that has been assigned to you.
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.
Once you've selected a loan, the evaluation workflow will begin.
The first step provides a detailed overview of information captured during loan origination. We encourage reviewers to carefully examine each item before moving on.
This implies that at any given stage of the Evaluation Workflow, you may :
Navigate between any step of the evaluation workflow , similar to the sidebar functionality in Mobiloan. Simply select the Evaluation Workflow option
View the Loan Menu (menu dedicated to querying all related data pertaining to the loan).
Decline the loan.
If you're satisfied with the details, select the Bank Account Primary Button to continue with the rest of the workflow!
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.
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.
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.
By selecting the Share button (shown above) you will be presented with the standard document sharing options in Mobiloan which consist of the following :
If your device is connected to a printer, you can print the document directly from within Mobiloan.
Attach the document to an email and send it to your desired recipient.
SMS
Share the document via SMS. The recipient will receive a text message with a hotlink that downloads the document to their device for storage and access.
Link
Copy the hotlink to the document and share it with anyone who needs access. They can use the link to download the document.
Once you've completed your review, simply proceed to the next step by selecting the primary button.
This section allows you to evaluate the client's current financial situation by reviewing the affordability parameters recorded during origination. If you've already defined accurate affordability parameters in your category settings, you can trust that clients who passed the initial affordability check are strong candidates. This step serves as a final confirmation to identify any minor discrepancies.
To view precise details of each value captured during origination, select View Affordability Detail.
Dedicated Workflow: A dedicated sub-workflow for this step is available in the left-hand sidebar of your screen. This section will guide you through each phase of the review process - where the focus remains on reviewing the client's details to ensure all captured information is accurate and consistent.
Start by verifying the initial details associated with the client's profile. If you spot any discrepancies or wish to raise a challenge, you can contact the client via SMS or call. Once you're satisfied with the information, proceed by clicking the Notes button.
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.
Review the clients address by viewing the location on the google map.
This can be done by selecting the View Map button.
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.
In this section, you may SMS or Call a client reference.
This screen allows you to evaluate the outcome of the FICA Client Due Diligence (CDD) .
For more information on FIC Assessments - select the link below
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.
As an evaluator, you can set the default debit order parameters which will be pre loaded in the promissory creation screen during payout.
This will ensure that the operator doing the payout will already have the correct parameters pre-populated!
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
Select the `` icon located at the bottom right of the screen to reveal the secondary options menu.
Evaluation Evaluate Now option in
Active LoansMy Evaluations menu item.Evaluate Loan Screen which houses all loan information within the Summary Table
