Digital Origination scope and process stages for account opening and lending
Key Takeaway
Digital Origination for Lending runs in three stages: product definition, application intake, and post-intake processing. Origination ends when the applicant accepts a final offer and integrations send the relevant details to the core banking system.
Digital Origination for Lending provides tools to manage the lending lifecycle directly in Salesforce, from intake to closing. For deposit accounts, Retail Deposit Account Origination provides a guided, multi-step intake flow that opens retail deposit accounts. To outline a lender's flow in discovery, you place each current activity in a stage and mark where the core banking system connects. You also separate origination from general client onboarding and from service on existing accounts.
Digital Origination for Lending
The Digital Lending API connects customer-facing application forms to a data model built specifically for lending. The data model captures applicant, application, collateral, and due diligence information, such as identification verification and required documents.
Its users include internal users, such as loan officers, underwriters, product admins, and account managers, and external users, such as loan applicants and brokers.
Loan origination has three stages, and each stage has its own work, roles, and tools:
| What happens | Who acts | Main tools | |
|---|---|---|---|
| Product definition | Loan products are set up, organized, given list prices and fees, and given visibility rules | The lender | Product Catalog Management, Product Qualification Rules in Business Rules Engine |
| Application intake | Applicants find a loan, then complete and submit a guided application | Potential applicants, loan officers, relationship managers, brokers | Experience Cloud site, Loan Product Assistance agent, Loan Calculator, Omnistudio-powered forms |
| Post-intake processing | Applications are reviewed, verified, decided, closed, and booked to the core banking system | Loan processors, underwriters, operations officers, managers | Business Rules Engine, Underwriter Console, Stage Management, Document Generation, Integration Definitions |