Control Layer Guide

Overview

The Control Layer ensures every loan action follows a secure maker–checker approval process. A maker submits a request, and a separate checker reviews and approves, rejects, or requests updates before the change becomes effective.

Enable the Control Layer

Before using the maker–checker workflow, ensure the Control Layer is enabled for your environment.

1. Navigate to Settings.

2. Locate the Enable Control Layer option.

3. Select the checkbox to turn the Control Layer on

Once enabled, all supported loan actions will follow the Control Layer approval process.

Roles

The same user cannot both submit and approve a request. Hypercore automatically enforces this separation.

Supported Actions

• Creating/approving a new loan

• Editing/ creating amendments

• Actions inside the schedule:

  • Adding fees

  • Transactions- disbursements repayments

  • Deposits

  • OID

Examples include:

• Interest rate changes

• Repayment schedule updates

• Additional disbursements

• Covenant modifications

• Loan restructures

Submit a Request

1. Open Record

Navigate to the loan from your dashboard or loan list. Inside the loan record do the desired action.

Once action is completed Loan Request draft is created

2. Add Change Request Details

• Assign Approver

• Confirm you are the Initiator

Provide context for the request so the checker can review it efficiently.

Include:

• A clear summary of the change

• The reason for the request

• Supporting documentation where relevant. Well-documented requests are typically approved faster and require fewer revisions.

  

3. Submit the Request

1. The request status changes to Pending Approval

2. The designated checker is notified automatically

The request now appears in the approver queue for review and stats changes to Pending Approval.

Review a Request

The checker opens the request from the Control Layer queue and reviews:

• Loan details

• Submitted comments

• Attachments

• Proposed changes

• If relevant and the change was related to a change in the loan term the checker will also see the change in the terms and the original value

After review, the checker can:

• Approve

• Request Update

• Reject

Approve a Request

To approve:

1. Open the request

2. Click Approve

Once Approved:

• The maker is notified

• The approved changes become available for activation or execution

Request an Update

If more information is needed, the checker clicks Request Update and adds a comment explaining what needs to be changed or clarified.

The status changes to Update Requested.

The maker then:

1. Opens the returned request

2. Makes the required updates

3. Adds a comment explaining what changed

4. Clicks Resubmit

The request returns to the checker queue.

Reject a Request

If the request should not proceed, the checker clicks Reject and adds a reason.

The status changes to Rejected, and the maker is notified. If needed, the maker can submit a new request.

Track History

All Control Layer activity is automatically logged.

To review the audit trail, open the loan record and go to Control Layer or Activity History.

The history includes submissions, approvals, rejections, update requests, resubmissions, users, and timestamps.

Troubleshooting

Maker/ Checker Unavailable

You can reassign both the Maker and the Checker if the assigned employee is out of office or unable to approve the request for any reason. Simply reassign the request to another employee, and the approval process can continue as normal.

Unable to approve change request

If a request is remaining in Draft status and you're unable to submit it for approval, please try reassigning the Maker to either the same user or a different user.

There may be an issue with the current Maker's profile that is preventing the request from progressing.