SERVICES
Loan notices and cash events controlled against the facility record.
Loan notices and cash events controlled against the facility record through a controlled, source-linked workflow.
Overview
This module processes agent/borrower notices and expected/actual cash for interest, fees, drawings, repayments, prepayments and other approved loan events.
Below Loan Servicing.
Why it matters
A notice can change cash, principal, rate or accounting; if it is handled manually, the loan and fund record can diverge.
Common operating challenges
- Notices trapped in email.
- Expected cash differs from bank receipt.
- Event not reflected in loan master.
- Accounting update delayed.
What we deliver
| Capability | What it covers |
|---|---|
| Notice intake | Classify event/document. |
| Expected cash | Calculate/record approved expected amount. |
| Cash matching | Compare bank/provider settlement. |
| Record update | Feed loan/accounting record. |
Our role can be configured around a defined operating mandate: a recurring managed service, a technology-enabled client workflow, or a co-sourced model in which execution and review are split between Kelton, the client and appointed providers.
Inputs, workflow and outputs
Typical inputs
- Agent/borrower notice
- Loan master
- Bank cash
- Rate/fee schedule
Controlled workflow
| Step | Activity | What happens |
|---|---|---|
| 1 | Capture | Ingest notice. |
| 2 | Validate | Check facility/event. |
| 3 | Calculate | Determine expected cash. |
| 4 | Monitor | Track actual payment. |
| 5 | Reconcile | Resolve differences. |
| 6 | Update | Publish approved event data. |
Typical outputs
- Notice register
- Expected/actual cash report
- Loan event update
- Exception evidence
Controls and review
The workflow is designed so that automation does not obscure responsibility. Routine processing can be standardised; exceptions, material judgements and formal approvals remain visible and attributable.
- Source document linkage.
- Dual review of material amount.
- No payment authority implied.
Responsibility boundary
We support notice/cash operations; formal agent/payment decisions remain with authorised parties.
Technology & expertise
Our operating model combines specialist knowledge with controlled technology. Domain experts define the rules, review logic and exception criteria; the technology layer makes the workflow repeatable, traceable and scalable.
Technology
- Document extraction.
- Cash matching.
- Loan-event workflow.
Expertise
- Loan servicing.
- Cash/reconciliation.
Expert knowledge is converted into controlled rules, SOPs, checklists, validation tests and exception criteria so that the operating standard is embedded in the workflow rather than dependent on one individual.
Delivery models
| Model | How it works |
|---|---|
| Managed Operations | We execute the agreed recurring workflow. Client and appointed-provider approvals remain explicit. |
| Technology Enablement | We implement the data, workflow and control layer for the client team to operate. |
| Hybrid / Co-sourced | Execution and review are shared through a documented responsibility and escalation model. |
| Transition & Implementation | We mobilise the workflow during a launch, provider change or target-operating-model transition. |
Frequently asked questions
Can notices be auto-extracted?
AI can extract proposed event terms with source references; key economic fields require validation.
What if actual cash differs?
Create an exception, identify cause and obtain authorised resolution before closing the event.
Discuss Loan Notice & Cash Processing
Start with one workflow, one operating issue or one provider transition. We will map the current process, responsibility boundaries, required data and a practical first engagement.