Shared-Risk Loan Syndication Engine

Principal workflows

• Offer: The selling credit union picks a loan or pool, sets how much it will sell and retain, and offers it to selected partners with the loan file they need to decide.
• Evaluate: Each buyer sees offers checked against its own participation policy, including loan type, credit criteria and concentration limits, before its credit analyst reviews the loan file.
• Close: Commitments are allocated against the amount offered, the participation agreement is prepared from the approved template, and both sides sign before funding.
• Service: As the seller collects payments, the Engine calculates each participant's share of principal, interest and fees, prepares remittance statements, and keeps participants informed of loan performance.

Who uses it

• Credit unions that sell loan participations to manage concentration, liquidity or capacity
• Credit unions and other eligible institutions that buy participations
• Commercial and consumer lending teams who originate the loans
• Loan servicing and accounting staff who remit payments to participants
• CFOs, ALCO members and examiners who oversee participation limits

Reporting

• Offer pipeline and commitments received
• Concentration position against policy limits
• Policy overrides for ALCO and the board
• Performance of participations held
• Remittance register and participant reports
• Call Report participation data

Features

• Participation offers: Offer a single loan or a pool to selected partners, with amount offered, retained share, pricing and response date.
• Buyer policy screening: Each buyer's eligibility criteria and limits are configured once, and every offer is checked against them before review.
• Concentration tracking: Participations purchased and sold are tracked against limits by originator, loan type and borrower that each institution sets from its own policy.
• Loan file sharing: Credit memos, financial statements, appraisals and loan documents shared with partners who have an offer, with each access logged.
• Due diligence records: The buyer's review of each loan, including the analyst's notes and the approver's decision, kept with the participation.
• Allocation as partners respond: Commitments are recorded and allocated against the amount offered as each partner responds, so the seller sees what remains.
• Agreement preparation: Participation agreements and certificates prepared from templates your counsel approves, with deal terms filled in from the offer.
• Remittance calculation: Each participant's share of principal, interest, fees and servicing retained is calculated from payment activity.
• Participant reporting: Loan performance, balances and delinquency reported to participants on the schedule set in the agreement.
• Partner directory: The partners you work with, their contacts, agreements on file and the loan types they buy.
• Call Report support: Participation balances purchased and sold, by loan type, prepared for your Call Report preparers.
• Audit trail: Every offer, screen result, approval, document access and remittance recorded with the person and time.

Integrations

• Core and loan servicing system: Loans, balances, terms and payment activity by scheduled file or API, mapped during implementation.
• Loan origination system: Credit memos, approvals and loan documents for loans you offer.
• Document storage: Loan files and signed agreements stored with the participation, or linked from your document system.
• Electronic signature: Participation agreements sent for signature through the e-signature service you use.
• General ledger: Participation balances, remittances and servicing income prepared for posting by your accounting team.
• Call Report preparation: Participation balances by loan type for your Call Report preparers, including Moraph's Automated Call Report Filer.
• Single sign-on: Staff sign in through your identity provider (SAML or OpenID Connect).
• Work API: Offer, participation and remittance data available to your data warehouse through the Moraph Work API.

Deployment

• Moraph cloud: Hosted and operated by Moraph in the United States region.
• Dedicated environment: A single-tenant environment for institutions or credit union service organizations whose policies require isolation, scoped in the proposal.
• With a managed service: Optionally run alongside a Moraph managed service for data loads, partner onboarding and platform administration.

Security and privacy

• Single sign-on: Staff sign in through your identity provider, so your password and multi-factor policies apply.
• Separation between institutions: Each institution's data, limits and internal reviews are visible only to its own users; loan files are shared only with partners that receive an offer.
• Role-based access: What each person can see and do follows their role; preparing a remittance or recommendation is separate from approving it.
• Encryption and keys: Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.
• Complete audit trail: Every view, document access, decision, approval and export is logged with the person and time, and cannot be edited.
• Data residency: Data is hosted in the United States region.

Limitations

• Moraph does not hold funds. Settlement at closing and remittances to participants are sent through your own payment channels; the Engine calculates and records them.
• The Engine does not make credit decisions. Each buyer's analysts and officers review loans and decide whether to commit.
• It does not originate or service loans. It uses data from your origination and servicing systems.
• Policy limits are configured from your policies; whether a participation complies with regulation and policy remains your institution's judgment.
• Agreement templates come from your counsel. Moraph does not provide legal advice or decide whether a transfer qualifies for sale accounting.
• It is designed for US credit union participations. Bank participations and syndications outside the United States are not configured as standard.
• It is not a marketplace or broker. Moraph does not find partners, set pricing or take part in transactions.
• Offers and commitments update as partners respond, but timing depends on when partners review and approve.

Next steps

Book a demonstration or a technical briefing at www.moraph.com/solutions/shared-risk-loan-syndication-engine. Purchasing routes and company information: www.moraph.com/how-to-buy.