Skip to content

Moraph for clients

Sign in

Getting started

Getting started with Shared-Risk Loan Syndication Engine

What Shared-Risk Loan Syndication Engine is for, who uses it, what you need before you start, and your first steps.

Applies to Shared-Risk Loan Syndication Engine as it works today. Moraph updates the platform continuously, and this page is reviewed when it changes.

Last reviewed 2 min readReport a problem
On this page
  1. What it is for
  2. Who uses it
  3. Before you start
  4. Steps to get started
  5. Where to go next

The Shared-Risk Loan Syndication Engine lets a credit union offer participation interests in its loans to partner institutions, check each offer against the buyer's policy and limits, and record commitments as partners respond. It prepares participation agreements and loan files for due diligence, then calculates each participant's share of payments for servicing. Every offer, approval and remittance keeps its evidence for examiners and auditors.

What it is for

Credit unions sell loan participations to manage concentration, liquidity and lending capacity, but the process usually runs on email, phone calls and spreadsheets. Sellers send loan packages to partners one at a time, buyers check their own policy limits by hand, and agreements are negotiated from old templates. Once a participation closes, servicing staff calculate each participant's share of every payment in spreadsheets, and examiners ask for due diligence and limit evidence that is scattered across inboxes.

  • Loan packages and offers are sent partner by partner by email
  • Buyers check eligibility and concentration limits by hand
  • Participation agreements are assembled from old documents
  • Remittance shares and participant reporting are calculated in spreadsheets

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

Before you start

  • Your organization licenses Shared-Risk Loan Syndication Engine from Moraph.
  • A Moraph client account in that organization, signed in.
  • Access to Shared-Risk Loan Syndication Engine in Moraph Apps, given by an administrator in the Moraph Portal under People and access.
  • For setup: the product administrator role.

Steps to get started

  1. Sign in at app.moraph.com with your Moraph account.

  2. Open Shared-Risk Loan Syndication Engine from the launcher. The first time anyone opens it, its workspace is created from the default described in Workspace reference.

  3. Check your role: what you can see and do depends on it. See Roles and permissions.

  4. Product administrators: work through Set up Shared-Risk Loan Syndication Engine before your team starts.

  5. Everyone else: start with Everyday tasks.

Where to go next

Was this page helpful?

Report a problem with this page
What’s the problem?
Quote the step or heading if you can. Don’t include passwords or personal records.
Only if you’d like a reply. We use it for this report and nothing else.

Need help with your own setup rather than this page? Raise a support ticket.