> ## Documentation Index
> Fetch the complete documentation index at: https://palladiumai.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<Steps>
  <Step title="Open the Loans / Credit Desk page">
    Select **Loans** (or **Credit Desk**) from the sidebar to open the loan queue for your current team workspace.
  </Step>

  <Step title="Click Apply for Loan">
    Select the **Apply for Loan** button to open the application form.
  </Step>

  <Step title="Enter the requested amount">
    Type the loan amount you are requesting into the amount field.
  </Step>

  <Step title="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.
  </Step>
</Steps>

## 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.

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

## 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.