Log in to Turnkey Lender

Only authorized users can log on to Turnkey Lender.
The Login page is shown below.

The Login page.
In the Login box, enter your login.
In the Password box, enter your password.
(Optional) Select the Remember me check box to save the login details.
Click Login to log on to Turnkey Lender.
After credentials have been entered, Turnkey Lender verifies a specified user account and defines a user role. If specified credentials are confirmed, the user is directed to a corresponding workplace. Otherwise, the user cannot enter Turnkey Lender.

User Interface Overview

At the top of each workplace, the following information is displayed: workplace name, user name, and the Log off button:

Turnkey Lender workplace navigation area.
The user interface of the Origination and Underwriting workplaces feature the loans table (on the left) and the Application Details area (on the right).

The workspace.
The users of the Origination and Underwriting workplaces can adjust the workplace layout by changing the view mode. Turnkey Lender has loan application sorting, filtering, and search features.

View modes: Split, List, Details

The default view mode is the Split mode. In this view mode loan application details are displayed next to the list of loan applications.
1) In the upper right-hand corner of the workspace, the buttons for changing the view mode are displayed:

Buttons for changing the view mode.
2) (Optional) Click the List button to proceed to the list view:

The List view mode.

1. Click a loan application to open details:
2. Click Back to the List to return to the List view mode.

Returning to the List view mode.
3) (Optional) In the upper right-hand corner of the workspace, click the Details button to switch to the Details view.

Loan details in the Details view mode.

1. Click the Next button to move to the next loan.
2. Click the Previous button to move to the previous loan.
3. Click the First button to move to the first loan.
4. Click the Last button to move to the last loan.

4) (Optional) Click the Split button to return to the default view mode.

Searching for Applications

The application search feature is available on the Origination and Underwriting workplaces. In the Search box, start entering the borrower's name or the Loan ID. Turnkey Lender starts showing search results the moment you type.

Searching for loan applications.

Filtering Applications

The users of the Origination and Underwriting workplaces can filter loan applications by the status.
1) The left side of the toolbar contains two drop-down boxes for filtering loan applications according to the status and date:

Buttons for filtering loan applications.
2) On the toolbar, click a corresponding drop-down box and select a necessary filter:

Filtering loan applications.

Sorting Applications

1) Click on a column header. Depending on the sorting order, either the up arrow or the down arrow will be highlighted:

Sorting applications by the creation date.
2) Click the header again to change the sort order.

• Columns with text fields are sorted in direct or reversed alphabetical order;
• Columns with numeric/date fields are sorted in ascending or descending order.

Navigation Between Applications

Application Navigation Buttons.
1) (Optional) Click the first forward arrow to move to the next page.
2) (Optional) Click the second forward arrow to move to the last page.
3) (Optional) Click the first backward arrow to return to the previous page.
4) (Optional) Click the second backward arrow to return to the first page.

Origination

Only users with the Originator's role can work on the Origination workplace. Originator creates loan applications and sends them to the Underwriter for further decision making. The Origination workplace allows for:

• Creating loan applications;
• Attaching documents to the loan application;
• Editing the borrower's personal details.

Applications on the Origination workplace can be filtered.

The applications table contains the following information:

• Id: identification number of a loan application;
• Created: the date when the loan application was created;
• Name: borrower's full name;
• Amount: the loan amount;
• Wait: how long the loan application has been waiting for processing;
• The last column displays the status of loan application (to view the status, hover over the icon).

Creating a Loan Application

1) On the left side of the toolbar click the New Application button.
The New Loan Application window opens:

The New Loan Application window.
2) In the Loan Amount box, enter a requested loan amount.
3) In the Term box, type in a credit period.
4) Click Proceed to continue.
In the opened Customer Verification window, the user has the possibility to check whether the borrower has already applied for the loan:

The Customer Verification window.
For an existing borrower:
5) In the Name box enter a borrower's name.

The borrower is found in the database.
6) If the borrower is found in the database, click Select next to the corresponding borrower's data.
Detailed information on the borrower and previous loans is displayed in the Selected Customer area:

Detailed information on the borrower selected.
7) Click Use Selected Customer to create the loan application.
8) (Optional) Click Back to return to the New Application Loan window and change credit conditions.
For a new borrower
5) (Optional) Click New Customer if the borrower has not been found in the database.
6) If the New Customer button is clicked (see Step 9 above), the Application Form window opens:




Application Form.
7) The Personal Information, Additional Information, Employment Information, Address, Bank Account, Documents sections are fixed. The Other Information section is customizable.
8) (Optional) In the Application Form window, click Back to return to the previous form.

9) Click Save to save the application form.

Customer Uploaded Documents Management

The Documents tab displays documents attached to the loan application by the user.
To attach documents to a loan application:
1) Click the Documents tab.
2) Click Choose file.

Attaching a document.
The Open dialog window opens.
3) In the open dialog window, select a required document and click Open.
An added document gets displayed in the Customer Uploaded Documents area:

The document is attached to the loan application.
To delete customer uploaded documents:
1) On the Documents tab, next to the document, click the Delete button.

Deleting the document.
The document has been deleted.
2) (Optional) Repeat step 2 to delete other documents.
To download a customer uploaded document:
To download a document attached by the user, click the icon or the name of the document to be saved locally:

Downloading the document I.

Editing Borrower's Details

The user of the Origination workplace can change borrower's details which have been specified during the creation of a loan application. The borrower's details can be changed for all loan applications available to the user on the Origination workplace.
To change customer details:
1) In the table on the left-hand side of the workplace, click a required loan application.
2) Click Edit.
3) The Customer Details window is identical to the Application Form described in Creating a Loan Application.

Customer Details window (fragment)
4) Click OK to apply changes.

Contacting borrowers. Interaction History

Originator may contact the borrower, when necessary. The information about such contacting operations can be logged by the user.
1) Click the Contact button.

The Contact button.
The New Contact window opens:

The New Contact window.
2) Enter the Date, Purpose, Method (Email, Mobile, Work Phone, Alternative Phone), Result (Failure, Success), Comment (Optional).
3) Click OK.
The information about the contact has been saved successfully and can be viewed on the Interaction History tab:

The Interaction history tab.

Sending a Loan Application for Approval

Originator can send the loan application for approval by Underwriter.
1) Click the Send for Approval button.

Sending the application for approval.
The Sending for Approval dialog window opens:

The Sending for Approval dialog window.
2) (Optional) In the Comment box, enter a comment
3) Click Yes to send the application to the Underwriter.

Underwriting

The main responsibility of the Underwriter is to make decisions on whether the loan application should be approved.

The Underwriting workplace.
Loan applications statuses are as follows.

The details of the selected loan application are represented on the following tabs:

• Summary: contains the general information on the selected loan and the borrower's previous activity.

The Summary tab.

• Customer Details: contains borrower's application data.
• Documents: the tab displays the documents, which have been attached to the loan application by the user.

Reviewing Documents

Document management on the Underwriting workplace is similar to the Origination workplace (see Electronic Documents).

Sending Applications for Reprocessing

The application can be send to the Originator for reprocessing, e.g. to add some missing details, attach some documents, photos, etc.
1) In the table, click a loan application that needs to be reprocessed.
2) Click the Send for Reprocessing button.

Sending the application for reprocessing.
The Sending for Reprocessing window opens:

The Sending for Reprocessing window.
3) Add a comment, if necessary. Click OK.

Approving Applications

The Underwriter can approve loan applications.
1) In the table, click a loan application that needs to be approved.
2) Click the Approve button. The confirmation message opens.

Approving the loan application.
3) Click Yes to confirm the operation.

Rejecting Applications

1) In the table, click a loan application that needs to be rejected.
2) Click the Reject button. The confirmation message opens.

Rejecting the loan application.
3) Click Yes to confirm the operation.

System

The System workplace can be accessed by users with the Administrator role.

The System workplace.

User Accounts Management

The user with the Administrator role can manage user accounts:

• Create new user accounts;
• Search for user accounts;
• Modify user accounts;
• Delete user accounts.

Creating User Accounts

Users are responsible for processing borrowers' loan applications in Turnkey Lender.
1) Enter the System workplace as described in Log on to Turnkey Lender .
Click the Users tab to see the list of all user accounts:

User accounts registered in Turnkey Lender.
2) Above the table, click the Add User button.
The Add User window opens:

The Add User window.
3) Enter the Login, Password, First Name, Last Name, Email, Phone.
4) In the Roles area, add the check mark next to a role to be assigned to a specified user.

5) Click OK to save entered data.

Searching for a User Account

1) In the Search box above the table, enter the necessary search criteria.

user account is found in the database.

Modifying a User Account

1) In the table, click a user account to be modified.
2) In the Actions table column, next to the selected user account, click Edit.
The Edit User window opens:

3) Edit the fields.
4) Click OK to save changes.
The user account has been successfully modified.

Deleting a User Account

1) In the table, click a user account to be deleted.
2) Above the table, click the Delete Selected button.

The Delete Selected button.
3) The delete confirmation message opens. Click Yes to proceed.

Notification Management

All notifications are classified into:

• Static notifications: predefined system notifications sent to the borrower when certain events occur. The user can determine which system notifications will be sent to the borrower in certain business cases.
• Payment reminders: a list of payment reminders created by the user. The user can set notifications to be sent to the borrower before a scheduled payment date to remind about the upcoming payment. Besides, the user can also set notifications to be sent to the borrower in case they fail to repay the installment amount on the scheduled payment date, i.e. in case the payment becomes overdue.

Static Notifications allow Administrator to determine which system notifications will be sent to the borrower when certain events occur. Notifications can be sent by email or SMS. Turnkey Lender of notifications management are limited to only reviewing the list of notifications.
To view the list of static notifications:
In the menu on the left, click Notifications.
The General Notifications area opens:


System notifications.
All system notifications are segregated into logical groups:

• General system notifications;
• Loan status notifications;
• Payments;
• Rollover;
• Loan agreement;
• Demo notifications (any custom notification can be included).

Exporting Loans Data

This subsection describes the procedure of saving information on loans to a separate file. This can be used to transfer information on loans from Turnkey Lender to external accounting software.
To export loans data:
1) In the menu on the left, click Export.

The Loans Export tab.
The table of the Loans Export tab displays the following information:

• Id: an application's identification number in Turnkey Lender;
• Full name: a borrower's full name;
• Amount: a loan amount issued to the borrower;
• Term: a credit period;
• Status: a loan status.

The interface of the workplace allows the user to customize the display of loan applications by performing the following operations:

• Sorting applications in a preferred order;
• Filtering applications:

1. By the status;
2. By a loan disbursement period;

   Note:

   To filter the loans by a custom disbursement period, click Custom in the open drop-down list and specify dates of the disbursement period in the From and To boxes.

   
   Specifying the custom disbursement period.
   2) In the top right-hand corner of the Loans Export tab, click the down arrow and select a type of a file to which loans data will be saved.

   Note:

   Data will be saved according to filter settings.

   
   Selecting a file.
   3) To save data, click the selected file.
   
   Saving data to the selected file.

   Company Settings Management

   This subsection provides instructions on how to manage the profile of the company providing lending services (the system owner).
   The Administrator can specify company details, including the company logo.
   To manage company settings:
   1) In the menu on the left, click Company settings.
   
   Company settings.
   The Company Settings area opens:
   
   Credit products.

   Note:

   The company data is used for information purposes only. It does not affect any system behavior.

   2) Click Edit in a corresponding box to specify necessary data.
   The Edit window opens:
   
   The Edit window.
   3) In the Edit window, specify corresponding data and click OK.
   4) Repeat steps 3-4 to specify other data.
   5) In the Logo area, click Chose file to attach a company logo.
   The Open window is displayed. In the Open window, choose a required file of the company logo and click Open.
   The company logo has been attached:
   
   The company logo attached.
   The attached logo is displayed on the registration page and the front page:
   
   The registration page.
   
   The front page.
   
   

   Application Form Modification

   
   The Application Form has a customizable section called 'Other Information'. The Administrator can edit the fields in this section to acquire any data of the company's preference.
   To open the Application Form Editor, click Application Form in the menu on the left.
   
   Application Form Editor
   

• The toolbar (1) on the top is used to add, delete and search fields. To save the changes, click Save. To discard the changes, click Reset.
• The custom fields are listed in the section (2). Every custom field has Name (Title), Width (as a percentage of the total screen width) and the Required flag. The Administrator can rearrange the layout of the 'Other Information' section by moving the fields up and down. The up and down buttons in the Actions column are used for this.
• While editing the custom fields, the user can see the result in the Preview area (3).

Customers

The Administrator can manage all borrowers registered in Turnkey Lender.
To open the Customers workplace:
1) Click the Customers workplace on the toolbar at the top of the screen.

The Customers workplace.
The table displayed on the left-hand part of the workplace contains the list of all borrowers registered in Turnkey Lender.
The table displays the following data:

• Login: a borrower's login used to enter a personal account.
• Full name: a borrower's full name;
• Email: a borrower's email;
• Status: a status of the borrower's personal account. The borrower's personal account can be in the following statuses:
• Active: the Status box is empty for active accounts of borrowers.
• Locked: the Status box displays a padlock for locked accounts of borrowers.

The user can search borrowers, sort the list and navigate between pages.

To review borrowers and loans:
1) To review borrower's details, click a corresponding borrower in the table.
Borrower's details are displayed to the right of the table on the Customer Details tab:
If a borrower's account has been locked out by the administrator, a block reason can be reviewed in the Block reason area on top of the workplace:

The borrower's account has been blocked.
To edit the borrower's personal details:
1) Click the Edit button.

Editing borrower's details.
The Customer Details window opens, which is identical to the Application Form for a new borrower (see Creating a Loan Application).
2) Make the changes and click OK.
The borrower's details have been changed.
To change the Customer's Login
1) Click the Change login button.

Changing a login.
The Change login window opens:

The Change login window.
2) In the Email box, change a borrower's email to be used as a login when entering Turnkey Lender.
3) Click YES.
The borrower's login has been changed. A corresponding notification about a changed login gets automatically sent to a borrower's email.
To reset a customer's password
1) Click the Reset password button.

Resetting a password.
2) The confirmation message opens. Click YES to proceed.
A reset password link has been sent to a borrower's email. After the borrower changes a password, a message confirming a successful operation will be displayed.
To lock out a borrower's personal account:
1) Click the Lock user button. The confirmation message opens.

Locking out a borrower.
2) (Optional) In the Comment box, enter comments if necessary.
3) Click YES.
The borrower's personal account has been locked out and a padlock is displayed in the Status column next to the borrower:

The borrower's personal account is locked out.

Unlocking the borrower's personal account.
A registered borrower receives a login and password. Using these credentials, the borrower can enter a personal account and perform certain operations. Besides, the user with the Originator role can create a loan application for the registered borrower.
To register a new borrower:
1) Above the table displayed on the left-hand part of the workplace, click the New customer button.

The New Customer button.
2) In the Email box, enter a borrower's email to be used as a login for entering a personal account.

Specifying a borrower's login.
3) Click the Save button.
The application form opens. It's identical to the Application Form for a New Borrower (see Creating a Loan Application).
4) Click Save to save entered data.
5) Click Create account and proceed to create the borrower's personal account and close the application form.

In this case, the Originator can create a loan application for the registered borrower (refer to Creating a Loan Application).

Front Office of Turnkey Lender

This chapter describes the functionality available to the front office user.
The front office is designed for borrowers. The borrower can submit and manage loan applications online.

Creating a Personal Account

This subsection provides instructions on how to create a borrower's personal account and apply for a loan. To create an account:
1) Log in to Turnkey Lender.
The Welcome page opens:

The Welcome page.
2) Adjust the Loan Amount and Term and click the Apply now button.
The Create an Account window is displayed:

The Create an account window.
3) Enter the email, password, password confirmation and CAPTCHA. Click Create account and proceed. The application form opens, which is similar to the Application Form in Creating a Loan Application.
4) Enter borrower data and click Submit the application. The borrower's personal account is created and the loan application is submitted.

Borrower's Activity in the Personal Account

The Personal Account

• In the left-hand part of the personal account area, click the area displaying the borrower's name to edit personal details (1).
• To create a new loan application, click the New Loan button (2).
• The Active Loans area (3) displays the list of all borrower's loans that are currently active (e.g. this does not include rejected applications).
• The notification area (4) displays important messages such as loan status updates.
• The status of each loan can be reviewed by pointing to the icon next to a loan in the list. The details appear in the Loan Details area (5).
• Use the chat (6) at the bottom right-hand corner of the working area to communicate with the credit officer.