Step 5 - Client
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In this step, you will be required to gather and input essential information related to the client and their current loan. The required details include:
Client's Physical Address
Trusted Family Reference(s)
Client's Occupation
Insurance Beneficiary (Optional)
Commission Agent (Optional)
The workflow cannot proceed to the next step until the required client information has been captured. As shown in the screenshot below, the primary button highlights the Address field, which is the first mandatory requirement.
When creating a loan in Mobiloan, you have the option to assign a Commission Agent and a corresponding Commission Rule to indicate the loan’s eligibility for commission payouts.
The selected agent (e.g., Thabo Mokopane) will earn a commission according to the specified rule (e.g., Rule 1). This ensures accurate commission tracking and calculation while promoting transparency.
It is important to ensure the correct agent and commission rule are selected before finalizing the loan, as these choices directly impact the commission structure applied to the loan.
In the next step, you will need to input the client’s physical address. Simply type in the address and capture the location on the map.
For detailed guidance, please refer to the link provided below for more information.
As part of compliance with the NCR (National Credit Regulator) regulations, you are required to obtain consent from the client to market your business.
Based on the loan application, Mobiloan allows you to easily manage and enable or disable marketing permissions for the client. These permissions include:
Permission to use client details for marketing purposes
Other marketing-related activities in accordance with business requirements
After capturing the client’s address, you will be automatically directed to the New Reference screen. Here, you can enter the contact details for up to two of the client’s references, including:
Relationship (e.g., Father-in-law, Neighbor)
First Name
Last Name
Cellphone Number
You can request additional reference requirements, which are configured in the Category Setup. Click below for more information.
Once the client’s references have been added, you will need to assign an occupation, especially if the client is employed. You can do this by linking the client to an employer in one of the following ways:
Select from Existing Employers: Choose the client’s employer from the pre-populated list of employers in Mobiloan (if applicable).
Create a New Employer: If the employer is not listed, you can create a new employer by selecting the appropriate icon.
If the occupation is not listed, select the "+" button in the top-right corner to add a new employer for the client. Afterward, you will need to enter and verify the occupation details, as shown in the screenshot below.
If you need to edit any information already entered, you can do so by selecting the "Secondary Options" button. From there, choose the attribute you wish to modify and make the necessary adjustments.
After capturing all the client details, the next step (as shown in the screenshot below) is to perform a FIC Enquiry. This step is only available if the FIC feature is enabled in your system.
Refer to the following section for detailed instructions on how to perform an FIC Screening and Client Due Diligence during Loan Origination.
