Operations

Work the divergence queue, assemble and follow assignment bundles, register funds, and read the reassessment worklist in the Lender module.

The Operations section of the Lender module holds the worklists of your operations team.

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Divergences

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Divergences lists the operational exceptions where you, Dataprev, the gateway, or Lender disagree. Filter by category (margin, rate, registration, technical, or terms), by booking effect, by status, by assignee, or for items whose SLA is breached.

Open a divergence to compare the fact you declared with Lender’s own fact. Then act on it:

Action	What it does
Assign	Names the operator responsible for the item, by exact login.
Dispose	Records the outcome and closes the item for good. On a payroll month’s item, Lender also books what of that month the item never held.
Requeue	Runs the item again. A re-run that posts closes the item. A re-run that Lender still refuses writes nothing.
Compensating adjustment	Books the compensating entry for money that already moved outside Lender. Preview posting shows what Lender would post. The divergence stays open until you dispose of it.

A divergence for a contract that the payroll rail recorded as excluded outside the gateway also offers Close contract with a credit-loss write-off. It shows the exit reason, the exit date, and the open balance at the exit. Lender refuses the write-off while a cession still holds the contract.

If the item changed since you opened it, the Console shows its latest state and asks you to check it and try again.

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Assignments

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Assignments assembles bundles of receivables for a fund and follows them to acceptance. See Assignment of receivables.

New bundle picks the fund, then receivables from its pool. It creates a draft. Open a bundle to move it through its steps:

1. Eligibility: run the engine and read the cut motive of each line. Approval needs the dossier of each receivable.
2. Concentration: read each debtor’s share of the fund’s accepted stock plus the bundle.
3. Approval: approve the bundle. Lender reads the trail again at approval. A receivable it no longer finds assignable leaves the bundle.
4. Offer: download the offer file and record that it went out to the administrator.
5. Remessa: record the return. The return gives each receivable of the bundle a verdict, taken or refused. A receivable with no verdict refuses the whole file, and Lender applies nothing.
6. Settlement: record the facts, with their provenance, up to acceptance, which is the flip to ceded.

The fund’s configuration decides the term step. The Exception queue lists the cases detected across your bundles. A case closes with the disposition an operator records.

Close short instalments lists the retained instalments of a set whose payroll or agent cash arrived short. For each one, the list shows what is owed, the cash applied, and the rest, which Lender books as credit loss. Close instalment asks for a reason and a confirmation. It records one posting dated now. Nothing undoes the close from the Console.

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Funds

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Funds lists the assignee funds. New fund registers one. Its configuration decides the journey of its bundles: who produces the term, the role of the eligibility engine, the assignment discount rate, the limits, and the repeated-cut brake. Saving a new rate prices only the bundles assembled from then on.

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Reassessments

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Reassessments lists the contracts whose standing problem-asset characterisation is past the review horizon of its product version. Nothing on the list has been released. The contract keeps its raised provision and its suspended income recognition. A contract leaves the list when someone declares again on it.

The list is for a sweep business date. When no completed nightly sweep covers a date, the Console cannot show the worklist and asks you to pick another day.