Your LOS stays the system of record.
Clara works inside it, and inside the lender portals you approve. Your admin controls the access and can take it back.
Your team keeps working in its existing LOS.
Clara works inside
Encompass
What Clara reads and writes
- Reads:
- the loan file, its open conditions, the document list, and where the file sits.
- Writes:
- documents filed against the condition they answer, condition status and notes, submission records, and the loan status your team reads.
- Never touches:
- pricing, credit decisions, AUS findings, or your milestone triggers.
Items that need judgment stay on your processor’s list.
How Clara handles a conflicting edit
If someone on your team edited the file while Clara was working, her change waits and your processor sees the conflict.
- 1
Your LOS
The file, its conditions and its documents stay in your instance.
- 2
Loandock
Clara works the file, checks what comes back, and writes the result into your system.
- 3
Your team
Makes the judgment calls. Your underwriter clears conditions.
Clara works the condition list in your underwriter’s wording. When a document does not match the condition, she stops and puts the item on your processor’s list.
How Loandock connects
Where your system offers a direct connection, Loandock uses it. Where it does not, Clara signs in to the systems you approve and works the screens the way a person on your team would.
Access stays with your admin
Your admin issues the login, assigns the role, and sets what it can reach on day one. You can narrow it or shut it off in one step. Clara works with the credentials you issue, in the systems you name, and nowhere else.
Every write is logged
Every write is logged with its timestamp, who made it, the loan file it touched, and the document behind it. Borrower and third-party messages are logged the same way.
How borrower data is handled
- The work runs in the United States.
- Borrower documents and messages are encrypted in transit and at rest.
- Your LOS stays the system of record. The file of record is yours, in your instance.
Retention, deletion and incident terms are on the security page.
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