Documents Tab

The Documents tab is where you manage all documents associated with an application, including uploaded documents, generated documents, stipulation requirements, and e-signatures.

Tab Overview

The Documents tab is organized into sections:

Section	Description
Uploaded Documents	Documents submitted by applicant
Generated Documents	System-generated forms and disclosures
Stipulations	Required document checklist
E-Signature	Electronic signature status
Document Actions	Manual action buttons

Uploaded Documents

Document List

Each uploaded document shows:

Field	Description
Document Name	Name/description of document
Type	Document category
Upload Date	When uploaded
Uploaded By	Who uploaded (applicant/staff)
Status	Accepted, Rejected, Pending Review
Pages	Number of pages

Document Types

Common document categories:

Category	Examples
Income	Pay stubs, W-2s, tax returns
Identity	Driver's license, passport
Address	Utility bill, bank statement
Employment	Offer letter, employment verification
Assets	Bank statements, investment accounts
Collateral	Vehicle title, property deed
Other	Miscellaneous documents

Document Actions

Action	Icon	Description
View	👁️	Open document for viewing
Download	⬇️	Download to computer
Accept	✅	Mark document as accepted
Reject	❌	Reject with reason
Delete	🗑️	Remove document
Rotate	🔄	Rotate image documents

Viewing Documents

1. Click the document name or view icon
2. Document opens in viewer
3. Use controls to:
   • Zoom in/out
   • Navigate pages
   • Rotate view
   • Print document

Generated Documents

System-Generated Documents

Document	When Generated
Application	At submission
Disclosures	Before credit pull
Truth in Lending	At approval
Loan Agreement	At closing
Privacy Notice	At application
Adverse Action	If declined

Document Generation

1. Click Generate Documents
2. Select document type
3. Review generated document
4. Send for signature or file

Stipulations

What Are Stipulations?

Stipulations are required items that must be satisfied before loan funding or account opening. They act as a checklist of conditions.

Stipulation List

Field	Description
Stipulation	Description of requirement
Category	Type (Income, Identity, etc.)
Status	Outstanding, Received, Waived
Required	Mandatory or optional
Due Date	When needed
Assigned	Who is responsible

Stipulation Statuses

Status	Meaning	Action
Outstanding	Not yet received	Request from applicant
Received	Document uploaded	Review and accept
Under Review	Being evaluated	Complete review
Accepted	Requirement satisfied	None
Rejected	Document not acceptable	Re-request
Waived	Requirement waived	Document reason

Managing Stipulations

Adding a Stipulation:

1. Click Add Stipulation
2. Select stipulation type
3. Set required/optional
4. Set due date (optional)
5. Click Add

Clearing a Stipulation:

1. Receive document from applicant
2. Review document
3. Click Accept if satisfactory
4. Stipulation status updates automatically

Waiving a Stipulation:

1. Click Waive on the stipulation
2. Enter reason for waiver
3. May require supervisor approval
4. Document waiver reason

Waiver Approval

Waiving required stipulations may require additional approval. Check your policy.

E-Signature

E-Signature Status

Status	Meaning
Not Sent	Documents not yet sent
Sent	Awaiting signature
Viewed	Applicant opened documents
Partially Signed	Some documents signed
Completed	All signatures obtained
Declined	Applicant declined to sign
Expired	Signing deadline passed

E-Signature Workflow

┌─────────────┐
│  Generate   │ Create documents
└──────┬──────┘
       ▼
┌─────────────┐
│    Send     │ Email signing link
└──────┬──────┘
       ▼
┌─────────────┐
│   Signing   │ Applicant signs
└──────┬──────┘
       ▼
┌─────────────┐
│  Completed  │ All signatures obtained
└─────────────┘

Sending for Signature

1. Generate required documents
2. Click Send for E-Signature
3. Verify applicant email
4. Customize message (optional)
5. Click Send

Monitoring Signatures

• View signing status in real-time
• See which documents are signed
• Receive notifications on completion
• Download signed documents

Manual Action Buttons

The Documents tab includes several manual action buttons for specific workflows:

Available Actions

Button	Action
Request Documents	Send request to applicant
Upload Document	Upload on behalf of applicant
Generate Disclosure	Create specific disclosure
Send Reminder	Remind applicant of outstanding docs
Print Checklist	Print stipulation checklist
Archive	Move documents to archive
Export	Export document package

Request Documents

Send document request to applicant:

1. Click Request Documents
2. Select documents needed
3. Choose delivery method (Email, SMS, Both)
4. Customize message
5. Click Send

Upload Document

Upload documents manually:

1. Click Upload Document
2. Select document type
3. Choose file from computer
4. Add description (optional)
5. Click Upload

Send Reminder

Remind applicant of outstanding items:

1. Click Send Reminder
2. Review outstanding stipulations
3. Customize reminder message
4. Select delivery method
5. Click Send

Document Workflow

Typical Document Flow

1. Application Submitted - Initial documents collected
2. Stipulations Assigned - Required docs identified
3. Request Sent - Applicant notified of needs
4. Documents Uploaded - Applicant submits docs
5. Review - Staff reviews documents
6. Accept/Reject - Documents approved or re-requested
7. E-Signature - Final documents signed
8. Filing - Documents archived

Document Tips

For Applicants:

• Clear, legible scans
• Complete documents (all pages)
• Current documents (within 30-60 days)
• Matching names to application

For Staff:

• Review promptly
• Provide clear rejection reasons
• Follow up on outstanding items
• Document exceptions

Document Security

Access Control

• Documents visible only to authorized users
• Download logging for audit trail
• Automatic redaction of sensitive data
• Encryption at rest and in transit

Retention

• Documents retained per policy
• Automatic purging after retention period
• Archive for long-term storage
• Export before deletion if needed

Troubleshooting

Common Issues

Issue	Solution
Upload failed	Check file size and format
Can't view document	Try different browser, clear cache
E-sign link expired	Resend documents
Wrong document type	Delete and re-upload correctly
Missing pages	Request complete document

Supported File Types

Format	Extension
PDF	.pdf
Images	.jpg, .jpeg, .png, .gif, .tiff
Documents	.doc, .docx
Spreadsheets	.xls, .xlsx

File Size Limits

• Individual file: 25 MB typical
• Total upload: 100 MB typical
• Check your institution's specific limits

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