Enterprise-Grade Banking CRM at $20/User/Month
Everything community banks need in one platform. Loan, deposit & lead pipelines. Borrower portal with real-time status tracking, two-way messaging & closing countdown. Portfolio management: covenants, collateral & delinquency. Credit memos, approval workflows, renewals & modifications. Full audit trail, AES-256 encryption, SSO/SAML & GLBA compliance. 60+ features. Same-day setup. Try free for 30 days.
A Full Borrower Portal — Built In. No Add-On Required.
Most competing banking CRMs charge extra for borrower-facing features — or don't offer them at all. BankerPipeline includes a complete self-service borrower portal at no additional cost.
Everything Your Team Needs — Origination to Portfolio Management
Not a generic CRM with banking modules bolted on. Purpose-built from day one for community bank lenders — from first borrower contact through post-closing covenant monitoring, concentration limits, and construction draw management.
Pipeline Management
Loan Pipeline
Drag-and-drop Kanban with 7 configurable product types — CRE, C&I, SBA, Consumer, Construction, Auto, and Mortgage. Custom stages per product type, full activity history, and approval workflow gating at every stage.
7 Product TypesDeposit Pipeline
6-stage deposit workflow with drag-and-drop — Prospects → Engaged → Pending Statements → Reviewing → Account Opened → Account Funded. Track deposit relationships just as rigorously as loans.
6 StagesLead & Prospect Pipeline
6-stage lead tracking with lead scoring (0–100), source tracking, and activity logging. Color-coded score bars, engagement level ratings, and one-click Convert to Customer when they're ready.
Lead ScoringRelationship Intelligence
Customer Management
Business and Individual customer types with full contact hierarchies. Total relationship value — combined loans plus deposits — at a glance. Every deal, every person, fully linked.
Unified Contact Timeline
Every touchpoint in one scrollable feed — calls, meetings, notes, emails, stage changes, documents, and reminders. Filter by event type or date range. Your full history, never buried.
Complete HistorySmart Lists
Build dynamic customer lists with 11 filter types and AND/OR logic. Four pre-built lists: At Risk, Cross-Sell Opportunities, Top Relationships, and New Customers. Save, share, and export custom lists — or bulk email directly from any list view.
11 Filter Types · 4 Pre-BuiltGlobal Search
Cmd+K or Ctrl+K to instantly search across loans, deposits, customers, contacts, and activities. Results grouped by type with gold highlights. Arrow-key navigation, Enter to open.
Cmd+KCross-Sell Identification Dashboard
AI-powered engine auto-detects 8 cross-sell opportunity types across your portfolio. Leaderboard ranks bankers by opportunities captured. Log outreach, snooze with 90-day follow-ups, and track conversion from prospect to product — all without a separate CRM.
8-Rule AI EngineReferral Source Tracking
Named referral partner management for attorneys, CPAs, realtors, and other sources. Per-partner ROI analytics show volume, funded amount, and deal count. Leaderboard, type breakdown reports, and CSV export so you know exactly which relationships are driving revenue.
Partner ROI AnalyticsCredit & Underwriting Tools
Credit Analysis
DSCR and LTV calculators with color-coded ratings. Global Cash Flow analysis across all borrower obligations. Financial statement spreading with trend analysis — all inside the deal view.
DSCR · LTV · GCFCollateral Management
Track collateral items, UCC filings, and insurance policies. LTV summary cards per deal. Automatic expiration alerts at 30, 60, and 90 days — so nothing lapses unnoticed.
Auto AlertsStipulation Tracking
Prior to Closing and Prior to Funding conditions with stage gate enforcement. Assign to team members, set due dates, and manage reusable templates. The loan doesn't advance until conditions are met.
Stage GatesApproval Workflow
Multi-level approval chains with dollar authority limits. Auto-routing to the right approvers by amount and role. Approve, deny, or conditionally approve with stipulations — full audit trail on every decision.
Multi-LevelRate & Terms Tracking
Track proposed rate, approved rate, loan term, and amortization period per deal. Built-in amortization schedule calculator — enter principal, rate, and term to generate a full payment schedule and total interest cost. No spreadsheet required.
Amortization CalcCredit Bureau Integration
Track consumer and business credit scores per borrower with stale-score and low-score alerts. PAYDEX support for business credit monitoring. Score history is stored with AES-256-GCM encryption and surfaced with color-coded risk indicators — so your team knows who's trending before the next annual review.
Score Tracking · PAYDEXDocument & Communication
Letter & Document Generation
Template-based letters with merge fields for borrower name, loan amount, rate, and more. 6 default templates: Commitment, Adverse Action, Pre-Qual, Rate Lock, Doc Request, and Payment Reminder. PDF export with audit trail.
6 TemplatesData Import & Export
CSV and Excel import wizard for customers, loans, deposits, and contacts. Full rollback on import errors — if something goes wrong, your data stays clean. One-click export on every list view, any time.
CSV · RollbackBorrower Portal
Give borrowers a branded self-service portal. They apply online, log in to check status, upload documents, and track real-time loan progress — no email chasing required.
Borrower-FacingDocument Request Workflow
Create doc checklists with per-document instructions. Borrowers upload via 90-day secure links. Accept or reject with notes. Compliance flags block stage advancement automatically.
90-day Secure LinksE-Signature System
Send loan documents for electronic signature directly from the deal — no DocuSign required. Parallel or sequential signer order, typed or drawn signatures, ESIGN Act consent checkbox, and a full audit trail with IP and timestamp capture. Borrowers sign from any device with no account needed. Completed documents are SHA-256 certified and stored automatically.
ESIGN Act · No-Account SigningProductivity & Workflow
Personal Dashboard
Pipeline summary, key metrics (funded this month/quarter, active pipeline value, deposits opened), my tasks, follow-ups, recent activity, and quick actions — your full workday on one screen.
Internal Task Management
Assign tasks with priorities, due dates, and linked records. Bulk actions and overdue badges. Email notifications on assignment. Press N from anywhere to create a new task instantly.
Keyboard ShortcutAutomations Engine
Stage-based triggers fire automatically — reminders, checklists, activity notes, borrower notifications. 9 pre-configured defaults, all toggleable. No code, no Salesforce Flow complexity.
9 Built-in RulesFollow-ups & Reminders
Color-coded reminders on any loan, deposit, or customer. Filter by Open, Overdue, Due Today, Upcoming. One-click snooze so nothing falls through the cracks.
Calendar Integration
Full-page calendar with 5 color-coded event types — Meetings, Calls, Site Visits, Closings, and Reviews — linked directly to customer and loan records. Drag-and-drop rescheduling, iCal export (single or bulk), in-app reminders, and a Today's Schedule dashboard widget so your day is front and center every morning.
5 Event Types · iCal ExportNotification Center
Bell icon with unread badge, full-page notification feed, and type filters. Set preferences to control which events alert you — without leaving your dashboard.
Deposit Gathering Campaigns
Run targeted deposit campaigns with defined goals and smart target lists built from CRM data. Each campaign gets its own mini-pipeline so nothing falls through. Banker leaderboard drives healthy competition. Auto-links to the Deposit Pipeline so won campaigns flow directly into account-opening workflow.
Campaign Goals · LeaderboardTwo-Way Email Sync
Connect Gmail or Outlook/Microsoft 365 once — every email to and from a CRM contact is automatically captured and threaded in the activity timeline. Compose, reply, and forward directly inside BankerPipeline, sent through your real email account. Unmatched emails land in an inbox for one-click association. Shared OAuth connection with Calendar Sync. Email body and subject encrypted at rest with AES-256-GCM. RBAC-scoped (own / branch / all).
Gmail · Outlook · Auto-CaptureReporting & Analytics
Pipeline Reports
Stage breakdowns, deal conversion rates, and time-in-stage metrics by product type, banker, and branch. Know exactly where deals stall and where your team is winning.
Performance Reports
Funded loans and opened deposits over time, with month-over-month and quarter-over-quarter trend views. Track your team's production volume at a glance.
Relationship Reports
Customer value rankings, full activity history, and top accounts by total relationship value. Know which customers deserve more attention — before you lose them.
Executive Dashboard & Board Reporting
Single-screen view of your bank's entire lending and deposit performance. Board Reporting Package generates a print-ready summary — funded volume, pipeline health, and delinquency trends — ready for your next board meeting.
Board-ReadyLoan Officer Scorecard
8-metric scorecard per banker: funded loan count and volume, deposits opened, conversion rate, average days to close, activities logged, and follow-up completion rate. Period comparisons (Month / Quarter / YTD) with delta arrows and leaderboard view for managers.
LeaderboardBranch & Team Performance
Compare all branches across 10 metrics — funded volume, deposits opened, pipeline value, fee income, conversion rate, delinquency rate, and more. Rank badges, delta arrows, and drilldown to individual branch detail. Managers and admins only.
Multi-BranchFee Income & Customer Profitability
Track fee income by category and officer with 12-month stacked trend charts. Customer Profitability Report shows relationship-level revenue across loans, deposits, and fees — identify your most (and least) profitable accounts.
Revenue AnalyticsCost of Funds Analysis
Break down your bank's funding costs by product type, maturity bucket, and branch. Compare rate paid vs. yield earned to surface margin compression before it hits your bottom line.
Margin VisibilityTreasury Management Services Tracking
Track treasury products per customer and roll fee income into total relationship value. AI-powered cross-sell scoring surfaces the next best treasury product for each relationship. Treasury pipeline with Kanban view keeps your team on top of every product opportunity.
Product Tracking · Cross-Sell ScoringRisk Grade Migration
Track credit quality movements across your loan portfolio — upgrades, downgrades, and watch-list entries over time. Spot concentration risk and deteriorating credits before your next exam.
Credit QualityPipeline Forecasting & Scheduled Delivery
Forward-looking pipeline forecast based on current stage weights and historical conversion rates. Schedule any report for automatic weekly or monthly email delivery — so your leadership gets the numbers without logging in.
Auto-DeliveryEnterprise Security, Compliance & Mobile
Two-Factor Authentication
TOTP/MFA enforced at login. Brute-force protection with progressive lockout, password breach checking via HaveIBeenPwned (k-anonymity), and configurable session inactivity timeouts.
MFA + TOTPGLBA Compliance & Encryption
AES-256-GCM field-level encryption for all PII at rest. GLBA Safeguards Rule compliant. RBAC with 4 roles (Admin, Manager, Banker, Viewer) and branch-level data scoping — officers see only their records.
AES-256-GCMUnified Audit Log
Comprehensive append-only audit trail with 6-year retention. Examiner quick-view links surface Admin Actions, Permission Changes, Failed Logins, Deletions, and Data Exports instantly — no digging. Branch filter, email search, and chain-of-custody CSV export. Every record change, approval, and login timestamped and immutable.
Examiner Quick-ViewsHMDA & CRA Reporting
Regulatory reporting built in — not bolted on. Generate HMDA LAR exports and CRA activity reports directly from your loan data. Track small business lending, community development activity, and geographic distribution to stay exam-ready year-round.
HMDA · CRASSO & IP Allowlisting
SAML-based Single Sign-On with JIT provisioning for enterprise identity providers. IP allowlisting with CIDR ranges per organization. Admin "Test My IP" button prevents accidental lockouts.
SAML SSOMobile Ready
Fully responsive on phones and tablets. Dedicated bottom navigation bar, touch-friendly 44px tap targets, hamburger menu, and full-screen modals — optimized for bankers in the field.
Phone & TabletSecurity Documentation
Vulnerability scanning, data retention settings (GLBA 7-year), security alert emails, and password policy management — all configurable by your admin. Full documentation available.
Borrower Portal
Real-Time Loan Status Tracker
Borrowers see a visual progress bar showing exactly where their loan is — Application → Processing → Underwriting → Approval → Closing → Funded. No phone calls asking "where are we?" ever again.
Visual Progress BarTwo-Way Borrower Messaging
Bankers and borrowers communicate directly inside the portal — no more email chains, no more missed texts. All messages are logged, timestamped, and attached to the deal for compliance.
In-Portal MessagingConditions & Checklist Tracker
Borrowers see exactly which documents are needed, accepted, rejected, or still pending. Accept/reject statuses with banker notes visible in real time. No guessing what's missing.
Live ChecklistClosing Countdown
Borrowers see a live countdown to their scheduled closing date alongside a checklist of remaining items blocking funding. Keeps borrowers motivated and informed without banker follow-up calls.
Countdown + ChecklistCo-Borrower Access
Invite co-borrowers to share the same portal view. Both primary and co-borrowers can upload documents, track status, and receive notifications — critical for joint applications and business loans.
Joint Portal AccessEmail Notifications
Automated email alerts trigger when loan status changes, documents are accepted or rejected, banker messages arrive, or closing dates are set. Borrowers stay informed without your team lifting a finger.
Automated AlertsPortfolio Management
Past Due & Delinquency
Aging buckets (30/60/90/120+ days), workout modal for collection actions, cure tracking, and delinquency history per loan. Know exactly who's behind and what actions have been taken.
Aging BucketsCollateral Tracking
Lien positions, UCC filing status, appraisal management with expiration alerts, insurance tracking, and collateral-to-loan ratios — all tied to the loan record and updated automatically.
UCC + AppraisalsCovenant Tracking
Post-closing covenant monitoring with scheduled test dates, breach alerts, and waiver management with approval workflows. Never let a covenant test slip through unmonitored.
Breach Alerts + WaiversLoan Document Vault
Internal document repository per loan with version control, expiration alerts, and document checklists. Keep promissory notes, security agreements, and closing packages organized and audit-ready.
Version ControlLoan Participation Management
Multi-bank participation tracking with lead bank vs. participant share breakdowns, servicing fee tracking in basis points, and a full payment remittance workflow (pending → sent → confirmed). Dashboard with 5 KPIs, concentration chart by partner bank, and CSV export.
Multi-Bank · RemittanceConcentration Limit Monitoring
CRE, C&D, single-borrower, industry, and geographic policy limits with color-coded gauges (green / yellow / red). New-loan impact analysis shows whether a deal will push you into warning or breach before you commit. Breach alerts and 3 default limits seeded on setup.
Real-Time Gauges · Impact AnalysisUnfunded Exposure Tracking
Lines of credit draw tracking with utilization rates and per-loan draw ledgers. Commitment expiration alerts at 30, 60, 90, and 180 days. Charts by type and utilization distribution give you a clear picture of off-balance-sheet risk before examiners ask for it.
Draw Ledger · Expiration AlertsGuarantor Aggregate View
Cross-loan guarantor exposure with guarantee-to-net-worth ratio displayed as color-coded pills (green <50%, yellow 50–100%, red >100%). Stale PFS alerts trigger after 12 months. Link or unlink guaranteed loans, full activity log, and AES-256-GCM encrypted PII throughout.
G/NW Ratio · PFS AlertsConstruction / Draw Management
Full draw request workflow from submission through inspection, review, approval, and disbursement. Per-category budget tracking with retainage and interest reserve calculations. Borrowers submit draw requests through the portal — no PDFs or phone calls required.
5-Stage Draw WorkflowFull Loan Lifecycle
Credit Memo & Approval Workflows
Build and route credit memos through multi-level committee approval workflows with tiered authorities. Track approval status, comments, and final decisions — all linked to the loan record.
Committee RoutingRenewal & Modification Workflow
Separate pipeline for loan renewals and modifications with maturity ticklers and automatic alerts before maturity. Track modifications independently from the original loan without losing history.
Maturity TicklersPolicy Exception Tracking
Log, categorize, and route policy exceptions through approval workflows. Track exception reason, approving authority, and disposition. Examiner-ready reporting of exception volume by type and officer.
Approval WorkflowsLoan Closing / Settlement Worksheet
Auto-populated closing statement pulls directly from Fee Tracking — all 18 fee types pre-mapped to disclosure sections. Editable line items, finalize with version history, print-ready two-column closing disclosure with signature lines, and borrower portal sharing so your borrower reviews it before they walk in.
Auto-Populated · Print-ReadyCore Banking Export
One-click export to your core from any funded loan. Four pre-built templates — Generic CSV, FIS/Horizon, Jack Henry/Silverlake, and Fiserv/DNA — output MISMO 3.4 XML for the major cores. Field mapping is customizable per org: per-field transforms, default values, and drag-reorder. Full export history with re-download, always.
FIS · Jack Henry · FiservFrom Signup to Full Pipeline in 4 Steps
No implementation consultants. No months of setup. Just a banking tool that works out of the box.
Set Up Your Pipeline
Create your organization, invite your team, and configure your loan and deposit stages to match your bank's workflow.
Track Loans & Deposits
Add deals and clients. Drag cards through pipeline stages. Get a 360-degree view of every relationship, balance, and rate.
Automate the Follow-Up
Let the automations engine handle reminders, checklists, and stage alerts. Your team focuses on relationships, not admin.
Invite Your Borrowers
Share a branded portal link. Borrowers apply, upload docs, and track status online — reducing back-and-forth by hours per deal.
A Professional Portal Your Borrowers Will Actually Use
Stop chasing docs over email. Give borrowers a secure online portal where they submit applications, upload documents, and check loan status in real time.
- Public loan application page — borrowers apply without needing an account
- Borrower login with secure session management
- Real-time loan status and stage tracking
- Document upload directly from the portal
- Banker-controlled notes shared selectively with borrowers
Request Docs. Borrowers Upload. You Accept or Reject.
Create document request checklists with instructions for each item. Borrowers upload directly through secure 90-day portal links. You review, accept, or reject with notes — and compliance flags block stage advancement automatically.
- Create doc request checklists with per-document instructions
- Secure upload links valid for 90 days
- Accept or reject with reviewer notes (visible to borrower)
- In-app upload notifications alert your team instantly
- Compliance-required docs block Closing/Funded stage if missing or rejected
A Real CRM — Not Just a Pipeline Tracker
Most pipeline tools treat deals as standalone rows. BankerPipeline ties every loan and deposit to the full customer relationship — business profiles, individual contacts, relationship value, and complete interaction history.
- Business customers with company contacts (name, title, email, phone)
- Individual customer type for personal banking and retail accounts
- Multiple contacts per business with roles and direct contact info
- Joint accounts and co-borrowers linked across loans and deposits
- Total relationship value — combined loans + deposits per customer at a glance
- Activity log: calls, meetings, emails linked to customers and deals
Stop Doing by Hand What Software Can Do for You
The automations engine fires stage-based triggers so your team never forgets a checklist, follow-up, or notification. Toggle any rule on or off in seconds — no developers required.
- 9 pre-configured automations for common banking workflows
- Stage-change triggers: reminders, checklists, activity notes, alerts
- Automated borrower notifications when loan status changes
- Overdue reminders for follow-ups and document requests
- Full automation log — see every rule that fired and when
Borrowers Track Their Loan Like a Package Delivery
Give borrowers a visual progress bar showing exactly where their application stands — updated in real time as your team advances the deal. No more "where are we?" phone calls. No more status update emails.
- Visual stage progress bar: Application → Processing → Underwriting → Approval → Closing → Funded
- Closing countdown with days remaining and outstanding items
- Live conditions checklist — accepted docs shown in green, pending in amber, rejected in red
- Email notifications fire automatically on every status change
- Co-borrower access — both signers share the same real-time view
Two-Way Messaging Built Into the Portal
Stop playing phone tag. Bankers and borrowers communicate directly inside the portal — every message is logged, timestamped, and attached to the deal. Compliance-safe, searchable, and always in context.
- Threaded in-portal messaging between banker and borrower
- Email notification alerts borrower when banker sends a message
- All messages stored with the deal record — full audit trail
- Bankers can share notes selectively (internal vs. borrower-visible)
- Works for primary borrower and co-borrower simultaneously
Built for Banking.
Not Bolted On.
Spreadsheets break under growth. Generic CRMs weren't built for lenders. BankerPipeline is purpose-built for commercial and retail banking teams.
| BankerPipeline | Spreadsheets Excel / Google Sheets |
Generic CRM Salesforce / HubSpot |
|
|---|---|---|---|
| Purpose-built loan pipelineStage-based Kanban, Application → Funded | ✓5-stage drag-and-drop | ✕Manual rows, no workflow | ⚠ Custom configMonths of setup required |
| Deposit pipeline management6-stage deposit workflow built in | ✓Prospects → Funded, built-in | ✕Separate spreadsheet, no link | ✕Not banking-specific |
| Borrower portal & online applicationSelf-service portal, real-time status | ✓ Built-in | ✕Not possible | ✕Not available |
| Document request & upload workflowChecklists, accept/reject, compliance gating | ✓Full workflow, stage-gated | ✕Email attachments only | ⚠ Add-on requiredExpensive DocuSign integration |
| Banking automations & workflowsStage reminders, checklists, alerts | ✓9 pre-built, toggleable | ✕Zero automation | ⚠ Expensive to buildSalesforce Flow complexity |
| Reports & analyticsPipeline, performance, scorecards, board reports, HMDA/CRA & more | ✓11 report types + scheduled delivery | ⚠ Manual pivot tablesError-prone, time consuming | ⚠ Requires configComplex to customize |
| Customer CRM with contacts & co-borrowersBusiness/individual types, joint accounts, activity log | ✓Built-in, linked to every deal | ✕Not possible | ⚠ Generic contactsNot banking-specific |
| Portfolio managementCovenants, collateral, delinquency tracking | ✓Built-in, linked to loans | ✕Manual spreadsheets, no alerts | ⚠ Add-on requiredNot banking-specific |
| Two-way borrower messagingIn-portal communication, compliance-logged | ✓Built-in, timestamped, auditable | ✕Email only, no audit trail | ✕Not available |
| Policy exception trackingLog, route, and report exceptions | ✓Workflow + examiner reporting | ✕Not possible | ⚠ Custom buildExpensive to configure |
| No bloat — built for lendersNo irrelevant marketing or e-commerce features | ✓Every feature is for banking | ✕Raw tool, you build everything | ✕Bloated for sales & marketing |
| Time to go live | Same day | InstantBut breaks within weeks | 6–12 monthsImplementation + training |
Why Bankers Choose BankerPipeline
Enterprise-grade features — borrower portal, document management, workflow automation — at $20/user/month. Not $200K/year.
| BankerPipeline | Deal & Investment Platform |
Enterprise Lending Suite |
Enterprise CRM |
|
|---|---|---|---|---|
| Built for community banks | ✓ | ✕ PE/IB focus |
Partial Enterprise scale |
✕ Generic CRM |
| Borrower portal included | ✓ Built-in | ✕ | Add-on Separate license |
✕ |
| Document request workflow | ✓ Built-in | ✕ | Partial | ✕ |
| Workflow automations | ✓ 9 pre-built | Limited | Complex setup | Developer required |
| Customer CRM with contacts | ✓ Built-in | ✕ | Add-on | Generic only |
| Deposit pipeline included | ✓ Built-in | ✕ | ✕ | ✕ |
| Time to go live | Same day | 2–3 years | 2–7 years | 6–12 months |
| Annual cost | $20/user/month | $50K–$150K+ | $100K–$200K+ | $180K–$450K+ |
| Covenant tracking & portfolio monitoring | ✓ Built-in | ✕ | Add-on Separate module |
✕ |
| Delinquency management | ✓ Aging buckets + workout | ✕ | Partial Limited workflow |
✕ |
| Two-way borrower messaging | ✓ Built-in, logged | ✕ | Add-on | ✕ |
| Policy exception tracking | ✓ Workflow + reporting | ✕ | Partial | ✕ |
| Dedicated admin staff required | ✓ None needed | Yes | Yes (80+ hrs/mo) | Yes |
Built to Meet Banking Standards
Community banks handle sensitive financial data. BankerPipeline is built with the controls your compliance team will ask about.
Two-Factor Authentication
TOTP/MFA enforced at login. Your team's accounts stay protected even if passwords are compromised.
PII Encryption
All sensitive customer data encrypted at rest with AES-256-GCM. Built to satisfy GLBA Safeguards Rule requirements.
Role-Based Access Control
Admin, Manager, Banker, and Viewer roles with granular permissions. Branch-level data scoping — officers see only their records.
Audit Logging
Every login, record change, and data export is logged with timestamp and user. Full audit trail for examiners and compliance reviews.
Try free for 30 days.
Full access from day one — no modules to unlock, no hidden fees. After your free month, it's just $20 per user per month. Cancel anytime.
/month
- ✓ Loan Pipeline — 7 product types (CRE, C&I, SBA, Consumer, Construction, Auto, Mortgage)
- ✓ Deposit Pipeline (6 stages, drag-and-drop)
- ✓ Lead & Prospect Pipeline with lead scoring (0–100)
- ✓ Business & Individual Customer Management
- ✓ Unified Contact Timeline & Activity Logging
- ✓ Smart Lists (11 filter types + 4 pre-built lists)
- ✓ Global Search (Cmd+K across all records)
- ✓ Credit Analysis (DSCR, LTV, Global Cash Flow)
- ✓ Collateral Management with expiration alerts
- ✓ Stipulation Tracking & Stage Gates
- ✓ Multi-Level Approval Workflow
- ✓ Letter & Document Generation (6 templates, PDF export)
- ✓ Data Import & Export (CSV & Excel, with rollback)
- ✓ Borrower Portal — Real-Time Status Tracker (visual progress bar)
- ✓ Two-Way Borrower Messaging (in-portal, compliance-logged)
- ✓ Document Conditions Checklist + Closing Countdown
- ✓ Co-Borrower Portal Access
- ✓ Borrower Email Notifications (status changes, messages)
- ✓ Personal Dashboard & Internal Task Management
- ✓ Automations Engine (9 pre-built rules, stage-based triggers)
- ✓ Follow-ups, Reminders & Calendar View
- ✓ Pipeline, Performance & Relationship Reports
- ✓ Executive Dashboard & Board Reporting Package
- ✓ Loan Officer Scorecard & Branch/Team Performance
- ✓ Fee Income Reporting & Customer Profitability
- ✓ Cost of Funds Analysis & Risk Grade Migration
- ✓ Pipeline Forecasting & Scheduled Report Delivery
- ✓ HMDA & CRA Regulatory Reporting
- ✓ Rate & Terms Tracking with Amortization Calculator
- ✓ Past Due & Delinquency Management (aging buckets, workout)
- ✓ Collateral Tracking (lien positions, UCC, appraisals)
- ✓ Covenant Tracking (post-closing monitoring, breach alerts)
- ✓ Internal Loan Document Vault (version control, expiration alerts)
- ✓ Credit Memo & Approval Workflows (committee routing)
- ✓ Loan Renewal & Modification Workflow (maturity ticklers)
- ✓ Policy Exception Tracking (approval workflow + examiner reports)
- ✓ Two-Factor Authentication (TOTP/MFA)
- ✓ AES-256-GCM PII Encryption (GLBA Compliant)
- ✓ RBAC (4 roles) + Branch-Level Data Scoping
- ✓ Comprehensive Audit Logging (examiner-ready)
- ✓ SSO / SAML (Okta, Azure AD, OneLogin, Google Workspace)
- ✓ IP Allowlisting + Brute-Force Protection
- ✓ Fully Mobile Responsive (phone & tablet)
- ✓ Notification Center & Security Alert Emails