Business user profiles

A business user profile is a record of user-specific data that define the user's working environment. The record includes the user profiles and their traditional titles, how are they mapped with online lending institutions and their functions. What the user sees on his or her computer screen, as well as what files, applications and directories they have access to is determined by how the administrator has set up the user's profile.

The table given below depicts the following:

The traditional roles and profiles of the business users.
The functions they perform.
The mapping of the online lending setup with any lending institution.

Profile	Traditional Titles	Mapped in Online Lending as	Function
Sales or Customer	Loan Officer Relationship Manager Broker Dealer Loan Processing Officer Tele-callers Field Agents	Web Interface	Find potential clients in need of loans Help clients identify the best loans and credit options Help clients apply for loan Help in loan approvals Analyse and verify the application to determine the client’s creditworthiness Receive loan applications Review applications against guidelines and credit risk status Notify loan applicant
Credit	Credit Analyst Underwriter Field Investigation Officers Automated Manual review of exceptions only Review applications Perform credit checks Perform loan analysis	Automated Manual review of exceptions only	Review applications Perform credit checks Perform loan analysis
Funding	Document Preparer Funding Analyst	Automated Manual review of exceptions only	Generate documents Confirm stipulations are resolved Confirm documents are signed Approve funding
Contract or Portfolio	Contract Administrator Portfolio Manager	Web interface Manual intervention for exceptions only	Record and verify contract terms and conditions Restructure or modify contract Process termination or closure of loans
Billing or Collections	Billing Manager Collections Manager Tele callers Field Agents	Automated Manual review of exceptions only	Generate periodic billing Reminders for collections Process payments Track unmatched payments Follow up delinquent dues
Accounting	Accountant Controller	Automated Monitoring and review on periodic basis and daily exceptions	Account for contract at inception Account for funding, billing, payments and restructures Confirm all regulatory guidelines are followed Close periods and generate management reports
Risk Management	Credit Manager Legal Manager CFO CEO	Not automated; same as traditional lending	Evaluate loan portfolio risk Update approval guidelines Publish approval guidelines Update risk analysis reports