New Loan
Welcome to the Origination Menu!
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Welcome to the Origination Menu!
Last updated
Was this helpful?
Let's get started by searching for a new client and initiating the loan process.
To create a new loan in Mobiloan, start by searching for the client. Select "New Loan" and a client search window will appear.
Note: Don't be confused if you don't see the option to create a new client. Mobiloan automatically determines the client type when using a lookup method such as ID number or Passport Number.
Next, select how you'd like to search (e.g., Name, ID) and enter the corresponding details in the field.
Existing Client: If the client is found, you'll be taken directly to the New Loan Landing Page to start processing their loan application.
New Client: If the client isn't found, Mobiloan will redirect you to the Client Profile where you can create a new profile for them.
Related Links
We can import most of your client information from their existing ALLPS profile into Mobiloan.
For more details, visit our FAQ website.
Since you're searching for a new client by ID number, Mobiloan will always direct you to the Client Profile screen. This ensures all client information is captured before proceeding.
Here, you can build a complete profile for your new client. Simply fill in the following required details:
Personal Information: Full Name, ID Number, Contact Details (phone number, email, etc.)
Branch and Category: Assign the client to the appropriate branch and category within your organization. (Optional: Grant Type codes, if applicable)
Tips:
Enter accurate and complete information for future reference.
Double-check all details before saving the profile.
Upon loading a particular bad client , Mobiloan would have automatically flagged them as blocked by setting a Hold Status
Once you have searched for a client, you will be directed to the first step of the Origination Workflow.
Don't lose your way, the workflow sidebar acts as the perfect navigation tool and keeps you on track during any loan application.
It shows you exactly where you're at (like a handy checklist) and lets you jump back if you need to fix something.
Plus, it shrinks up neatly to the top of your screen when you're using the app on your phone (portrait mode).
Navigation Hotlinks
Try selecting the following rows in the client summary table ->
"New Client" ~ Click the current status to go directly to the Client Menu.
"Client ID Number " ~ This link opens the Client Profile.
"User Area" ~ Shows the area selection dialog.
"Balance" ~ Navigates to the Client Ledger.
"Next Loan" ~ Displays definitions for different loan frequencies (in case you forget).
No more wondering what to do next! The large horizontal button at the bottom acts as your guide throughout the workflow.
Denoted by the `` icon, selecting this button reveals additional options related to the current screen.
When creating a new loan for a first-time client, you'll need to link it to a specific area. This helps Mobiloan assign the loan to the appropriate branch based on location.
For subsequent loans taken by the same client, Mobiloan will warn you if the new loan falls outside the area linked to their previous loan. This ensures consistency and helps manage loan distribution geographically. This way, we can
Ensure proper branch assignment for new clients.
Monitor loan location consistency for existing clients.
Pick the area you want from the menu that shows up.
Related Links
You may configure branch areas in area maintenance (maintenance menu). For more information, click the link below:
In this step of the Origination workflow you are required to perform a credit check on the client to assess their creditworthiness .
The screenshot below showcases the Credit Enquiry Screen. To initiate a credit check and obtain a Credit Report for the client, simply select the primary button labeled "New Enquiry."
Click the links below to view the layout of the standard credit reports retrieved by the associated bureau's in Mobiloan
Mobiloan does the heavy lifting for you! During the credit enquiry, it analyzes the client's credit report to calculate their total monthly credit account expenses. This amount, known as the Bureau Account Expense, is automatically factored into the affordability assessment later in the workflow
Bureau adjustments must be enabled in Role Rights for that user to make adjustments to the client's bureau expenses.
Select the account you wish to cancel from the table.
Select a reason from the list of cancellation reasons.
Select the installment amount from the table you wish to edit
Type in the new value.
In this step, we determine if a loan makes financial sense for the client.
Simply enter the client's income and expense details, as shown in the example of a worker's affordability in the screenshot below
The system will automatically calculate the required expenses based on the category requirements or NCR minimum.
Select `Calculate` once you have entered the expenses, Mobiloan will use pre-defined limits based on the client's category (set up during Category Setup).
The outcome of the affordability will be detailed and presented in the following screen (shown below)
To begin the Affordability Evaluation Process, please specify the client's primary income source. Available options include Salary Income, Informal Income, or a combination of both.
Depending on whether or not Informal Income is enabled for the client category ,
When indicating informal income as an income source, you'll need to specify the exact nature of the client's work. This information is crucial for accurate credit assessment and regulatory compliance.
Adding or Editing Informal Work Type
Custom Occupations can also be created or edited during Category Setup.
For mor information on how, click here
To import electronic bank statements into Mobiloan, select the "Import Bank Transactions" option as seen in the screenshot below.
Once you have selected the client's bank account in Mobiloan, select the Request New button as seen below
Mobiloan offers two secure ways to authorize your bank account:
USSD: This option is ideal if your client has a working phone number linked to their bank account. They'll receive a one-time code on their phone for verification (screenshot below).
Banking App: Clients can also choose to authorize through their familiar banking app.
Regardless of the chosen method, they'll still need to enter their login credentials within Mobiloan for added security.
Users can also send their client an SMS link to the above login to approve the consent within Mobiloan remotely.
If you encounter difficulty meeting the affordability requirements, Mobiloan can help pinpoint the specific factors causing the issue. This will allow you to take steps to address them and potentially qualify for the loan.This is depicted in the summary table below:Write a caption
This handy Average Income Calculator is accessible through the "Secondary Options" button in the bottom-right corner.
Simply select "Average Income Calculator" from the menu. This tool helps you determine a suitable income value for affordability assessments when a client's income varies from month to month.
Want to use the disclosure even if your total living expenses meet the minimum?
Here's how:
Click the "Secondary Options" button in the bottom-right corner.
Check the "Use Detailed Living Expenses" option
The expenses column will then include the following additional input fields, as shown in the screenshot below.
Note : Mobiloan automatically requires an affordability disclosure to be completed if your total monthly expenses fall below the National Credit Regulator (NCR) minimum.
This tool lets you enter multiple expenses for the same category, automatically calculates the total for each category, and factors it into your affordability assessment. It also saves your entries for future reference.
Getting started is simple:
Choose a category from the "Expense Category" dropdown.
Fill in the details for each expense as shown below.
Once you've added all your expenses, click "Insert Expenses" to include them in your affordability calculation.
Related Links
There are many settings that allow you to fine tune the affordability assessment process for each client category.
For more information, read up the topic on our FAQ Community (link below).
On this page, you are required to choose the loan product that best suits your current client. .
Mobiloan will automatically display a list of loan products that are authorized for your client category.
Once you've selected the loan product, you should provide some additional details:
Installment Frequency: How often you want to make payments (e.g., monthly, weekly).
First Installment Date: The date you want your first payment to be deducted.
Amount : The principal amount the client wishes to borrow.
Instalments : The number of instalments the client wishes to make repayments
Some loan products chosen will have an authorized insurance policy.
If your client would like to add this coverage, simply choose a loan product with linked insurance and check the Insurance checkbox, as shown below.
Once the user selects the Calculate button, Mobiloan will automatically populate the Groups R US policy values and display them on the screen.
The cost of the premium will be displayed on the screen and if accepted, will be conveniently included in the clients monthly loan payment and affordability.
Once you've entered a date for your first loan payment, a "Maximum" button will appear.
Clicking this button will calculate the largest loan amounts a client can qualify for based on a range of periods. This calculation is powered by Mobiloan' s clever affordability algorithm, developed by our in-house development team.
Simply select a maximum option from the dialog that appears, as seen below:
By now, all required fields should be filled in, simply select "CALCULATE" to see a loan summary. Also, you may select the "Repayment Schedule" option for a detailed breakdown of costs.
The repayment schedule provides a detailed breakdown of your loan payments. It includes:
Installment Details: Number, period covered (start & end dates, duration), and outstanding balance at the beginning.
Fees: Initiation fee (if applicable), interest charged for the period, and service fee (if applicable).
VAT Discount: Any reduction applied to the value-added tax (VAT).
Payment: Total amount required (principal + interest + fees) and the amount collected (initially blank).
Adjusting Collected Amounts
You can manually adjust the amount collected in a specific installment to account for over or under-payments. This automatically creates new installments to reconcile the difference.
Discount Column Explained
This column reflects any discounts applied to an installment due to rounding and the Maximum Cost of Credit regulations.
Related Links
For more information about loan products and client categories, refer to the documentation links below:
In this step, you are required to declare and capture the attributes related to the client and current loan. This includes :
The client's physical address
Trusted family reference(s)
The client's occupation
An insurance beneficiary (optional)
The Commission Agent (optional)
The next step of the workflow only unlocks after capturing the required client information.
As seen in the screenshot below, the primary button indicates that the Address is the first requirement.
When creating a loan in Mobiloan, users can assign a Commission Agent and a corresponding Commission Rule to flag the loan for commission payouts.
The selected agent (e.g., Thabo Mokopane) will earn a commission based on the chosen rule (e.g., Rule 1). This ensures accurate tracking and calculation of commissions while maintaining transparency.
Ensure the correct agent and rule are selected before finalizing the loan, as this determines the commission structure applied.
Related Links
Commission rules and agents have restrictions that may be setup according to branch, area, commission rule etc. For further documentation, select a link below.
This is a statutory requirement from the NCR, to gain consent to market your business?.
You will be able to easily enable or disable permission for Mobiloan to perform the following based on the loan application:
In order to capture the client's address in Mobiloan, simply
Click "Add Address"
Fill in the required address fields in the screen that follows.
Validate using Google Maps integration. Mobiloan uses Google Maps to confirm the address, helping prevent fraud.
For a video tutorial, watch the Loom demonstration on using Google Maps in Mobiloan.
Please Note:
Street view is available to assist clients, especially in rural areas.
Randomly selecting locations on the map is not allowed.
We appreciate your cooperation in using this feature responsibly.
After entering the client's address, you'll automatically be directed to the New Reference screen.
Here, you can easily add the contact details for up to two of the client's references, including their:
Relationship (e.g., Father-in-law, Neighbor)
First Name
Last Name
Cellphone Number
Once you've captured your client's references, if they're part of a employed/ worker category, you'll need to assign them an occupation.
This involves linking them to an employer, in which you may:
Select from the existing list of employers: Choose the employer from the employers dialog already in Mobiloan (if applicable).
If the occupation does not exist, select the "+" button in the top right corner to create a new employer for the client.
Whichever option you chose, you will be required to enter/ verify the occupation details, as shown below.
Employers are created in the Maintenance menu. For more information, see the link below:
If you wish to edit/ modify a detail that's already captured , select the "Secondary Options" button and chose an attribute you wish to modify.
To continue with the origination process, you must first initiate a new FIC inquiry. This involves conducting a thorough Client Due Diligence assessment.
Note: This step is only mandatory if the FIC Enquiry Configuration settings are enabled.
Refer to the following section for detailed instructions on how to perform an FIC Screening and Client Due Diligence during Loan Origination.
The FIC Enquiry and Due Diligence Process consists of the following components :
Risk Assessment: Conduct a thorough analysis of the client's cooperation and behavior to assign a risk indicator (High = Poor, Low = Good).
Client Profiling: Ask the client relevant questions about their occupation and lifestyle to determine if they fall under the DPIP or FPPO categories.
TFS Checklist: Click the "TFS Checklist" button to initiate a real-time TFS list check against the FICA database.
See assessment dialog below to follow the process of a new FIC Enquiry
Consider the following questions when doing a risk assessment to determine the DPIP / FPPO Category:
Role-Based Questions:
"Are you currently holding or have you previously held a senior government position?"
"Are you a senior executive at a state-owned enterprise?"
"Do you hold a high-ranking position in any political party or international organization?"
Family and Close Associates:
"Are any of your close family members (e.g., spouse, parent, sibling) in a senior public role?"
"Do you have close business relationships with any prominent political or government figures?"
Timeframe and Recency:
"Have you held any senior public position within the last year?"
For more information on What DPIP / FPPO Individuals are, see below : UNDERSTANDING DPIP / FPPO
Real-time Assessment: When you click the "TFS Checklist" button, Mobiloan will automatically perform a live screening of the client against the TFS List.
Customizable Risk Parameters: The Risk Level and Score are based of the user defined RMCP (Risk Management and Control Plan) settings. Refer to "RMCP" for more details.
A Client Due diligence report is automatically generated and stored on the client's profile in Mobiloan.
The 'Client and Cooperation & Behavior' section of the report is based on the Loan Originator's assessment. The remaining information is automatically populated from Mobiloan's database using the most recent client data.
FIC ENQUIRY EVALUATION
If the loan originator lacks the necessary permissions to perform a Client Due Diligence, the system will automatically request an evaluation from a qualified user.
The evaluator will be required to approve the FIC Enquiry before proceeding.
The Transaction Screen allows you to finalize the payout and repayment options.
Here's what you'll need to enter:
Reason and Purpose: Briefly describe why the client needs the loan. Mobiloan requires this information for legal reasons. Click the button below "Purpose" to choose from a list of pre-configured purpose categories options.
Payout Method: Choose how you want to disburse the loan to the client. Popular options include eWallet. You can see all available payout methods in the dropdown menu.
Repayment Method: Select the client's preferred prepayment method. Debi check is a common choice. See all available options in the dropdown menu.
Here's a breakdown of the authentication methods for each option:
TT1 Delayed: Approval for this method will be confirmed by 10 PM on the chosen due date.
TT1 Realtime: This method offers instant approval, typically reflecting within 120 seconds of your confirmation.
TT2 Delayed: Approval for this method will be processed in a batch, so there might be a slight delay.
TT3: This method requires you to use your card and PIN for verification at an ATM, mobile banking app, or a USB terminal.
SEFT: Similar to TT3, you'll need to use your card and PIN to authenticate through a mobile banking app or a USB terminal.
If a repayment method requires an associated bank account, the primary button will force you to create the new bank account. This ensures you have the client's accurate bank account information for sending the loan amount.
Note that this is only required when the repayment option is a Debit Order / EFT.
Simply select the Repayment Account primary button to view, edit or create a new bank account.
You will then be required to enter the client's bank details (shown below)
Next Steps - Save and Link Repayment Account
Once you've entered the repayment bank details, click "Save" to confirm and link the account to the client's profile. This ensures all future loan repayments will be collected from this designated account.
For an extra layer of security, Mobiloan will force you to perform and Account Verification (AVS-R) on the newly created bank account. AVS-R stands for Account Verification Service - Realtime.
It verifies that the billing address associated with the bank account matches the client's information on file with Mobiloan.
Simply select 'AVS' to navigate to the AVS-R page.
The example below shows a passed AVS-R Result
Once you have a successful AVS result, the next step would be to capture the client's documents. Simply select Documents to proceed with the workflow.
Related Links
Read up out topic on AVS troubleshooting below:
You can set specific rules for when AVS-R verification is mandatory. Select the link below for more information
This step in Mobiloan makes adding required documents to your client's profile a breeze. It utilizes a streamlined approach, guiding you through each document one at a time.
Here's how it works:
Focus on the Primary Button: Look for the primary button on the bottom of the screen. This button will clearly indicate the next document you need to capture.
Capture the Document.
Repeat and Move Forward: Once you've successfully captured or uploaded the current document, the primary button will update to reflect the next required document. Simply follow the same steps to capture each document in the sequence.
1. Capture with Camera:
This is a quick and convenient way to upload documents you have on hand. Here's how:
Select `Take Photo` : This option will use your device's camera app to take a clear picture of the document.
Focus & Frame: Ensure the entire document is visible within the frame, and all text is sharp and readable.
Lighting Matters: Capture the photo in a well-lit area to avoid blurry or unclear sections.
2. Upload from Files:
If you already have the document saved digitally, you can upload it directly from your device's storage:
Select Photo : Locate the image from within your gallery.
Select File : Locate the document in your device storage.
Example: Uploading a Bank Statement (See Screenshot)
The screenshot below illustrates the upload options using a bank statement as an example. However, remember that other document types may be required depending on the loan application.
Related Links:
This step lets your client electronically sign the loan agreement. Once signed, Mobiloan automatically generates:
Loan Contract: The official agreement outlining the loan details.
Unique Client Number: For easy identification and future reference.
Simply select a signature method below and select the Primary Button.
Screen sign
This is the most used method and requires the client to be physically present.
This also requires the user to have their application enrolled on a "Touchscreen" device.
Voice Sign
A voice call is initiated and recorded between the user and the client during which the terms of the loan can be agreed to and confirmed
Debi Check
The confirmation of the Debi-check is considered proof that the client has agreed to and confirms the terms of the loan.
SMS sign
An SMS is sent to the clients phone and used for purposes of confirming the loan.
Allps Terminal Sign
This refers to signing on the USB/ Mobile terminal screen using the inbuilt.
Electronic signatures in the context of Mobiloan include voice signatures, on-screen signatures, debit-sign signatures, and SMS signatures.
Because electronic signatures can be copied and reused, it is important to get your client's consent before using them.
When signing on Mobiloan, the client agrees that their electronic signature will be used on all documents related to the loan agreement, including the debit order mandates.
After the loan process is complete, clients can access copies of all agreements and mandates electronically via a short link or by requesting physical copies from your offices.
If the agent uses on-screen signing, the signature is used on all mandates except for the insurance contracts, which require a separate signature
Users with Evaluation Rights: If you have the authority to approve loans, the loan will be automatically set to "Approved" upon signing. Thereafter, you will begin the Payout Process
Users without Evaluation Rights: The loan will be submitted for evaluation and await approval before moving forward. This will require an authorized user to begin the Evaluation Process
Once you've entered the correct details, select the `` button. Mobiloan will then check if the client already exists in your system
Select the secondary options button denoted by the '' icon to make use of additional tools, documented in the page link below.
Create a New Employer: If the employer isn't listed, you can create a new employer by selecting the icon.
Simply select the button located at the bottom right corner of the screen. The AVS-R Result will then automatically generate, as seen below.
Select Area
Calculate buttonSaveto continue with the loan process 
