Credit Desk: Apply, Review, and Approve Team Loans

Walk through the full loan lifecycle in Palladium AI — from member application to admin review and approval — using the credit desk queue.

The Loans / Credit Desk page is the central hub for your team’s lending activity. It brings together the full loan lifecycle in one place — members can submit applications directly from the queue, and admins can review, approve, or reject those applications inline without leaving the page. Every status change is reflected in real time across all connected sessions, keeping the whole team in sync.

Applying for a Loan (Member Perspective)

Any team member can submit a loan application from the Credit Desk page. Applications appear in the queue instantly with a Pending status and enter the admin review workflow automatically.

1. Open the Loans / Credit Desk page

   Select Loans (or Credit Desk) from the sidebar to open the loan queue for your current team workspace.

2. Click Apply for Loan

   Select the Apply for Loan button to open the application form.

3. Enter the requested amount

   Type the loan amount you are requesting into the amount field.

4. Submit your application

   Click Submit. Your application appears at the top of the queue immediately with a Pending status badge, and the Loan Activity metric on the Overview page updates to include your new application.

Reviewing the Queue (Admin Perspective)

Admins see the full queue with controls to action each application. Three summary cards at the top of the page give you an immediate snapshot of the pipeline:

• Total Applications — all loan records for the team, regardless of status.
• Pending Review — applications that have been submitted but not yet actioned.
• Approved — loans that have been greenlit and are currently counted toward the Portfolio Balance.

Below the summary cards, the loan table presents each application in a single row:

Column	Description
Applicant Name	The member who submitted the application
Requested Amount	The loan amount entered at application
Status	Colour-coded badge showing the current status of the application
Actions	Approve and Reject buttons visible to admins only

To action an application, click Approve or Reject directly in the table row. The status badge updates immediately, the queue summary cards recalculate, and — if approved — the loan amount is added to the team’s Portfolio Balance on the Overview page.

Status changes take effect immediately across all connected sessions — team members watching the queue see the update in real time.

Loan Status Reference

Status	Meaning	Who can set it
Pending	Application submitted, awaiting admin review	System (automatically on apply)
Approved	Loan greenlit; amount counts toward Portfolio Balance	Admin
Rejected	Application declined; excluded from Portfolio Balance	Admin

Status badges are colour-coded throughout the interface — pending uses a secondary/neutral colour, approved uses the primary brand colour, and rejected uses a destructive/red colour — so you can parse the queue at a glance without reading each label.