Aloan reports on the commercial book in four places: the pipeline report, which gives application volumes, approval and decline rates, and median turnaround for any date range, by period, loan type and relationship manager; the Deals list, which is the pipeline by stage with counts, filters and an Excel export; the Portfolio, which is every note the bank holds with its relationship's covenant compliance state and a register export; and the record on each deal, where every status change, verdict, signature and rating decision is kept with who made it and when. A bank with its own reporting tool pulls the same records through the REST API or the exports.
A report is only as good as the record under it. Most community banks keep the commercial pipeline in a spreadsheet beside the LOS because the LOS holds what someone typed into it, and the spreadsheet is where the loan officer actually knows what is going on. Aloan is where the work happens, so its lists read from the deal itself: the stage is the stage the deal is in, the commitment is the facility on the memo, the monitoring state is the last covenant test. Nothing is retyped to make a report.
This page covers what the report measures, what each list shows, what exports, and where the audit trail lives. The approval record it reads from is on the approval and closing page; the monitoring state is on covenant monitoring.
Reports
The pipeline report
Pick a date range and a grain (week, month or quarter) and the report reads the period off the deals themselves. Each figure comes from a stamp the deal already carries: the day it was created, the day the memo was submitted for approval, the day it was decided, the day funding was recorded, the day it was withdrawn. Nothing is retyped to make the report, and a reopened and re-decided deal reports its latest decision.
| Measure | What it counts |
|---|---|
| Application volume | Deals started in the period, with their requested commitment. |
| Decisions and approval rate | Deals decided in the period, split into approved and declined, with the approval rate, plus withdrawals. |
| Turnaround | Median days from application to decision, from submission to decision (the time the approval chain took), and from decision to funding. |
| Funding | Loans funded in the period, with their commitment. |
| Breakdowns | Every measure by period, by loan type and by relationship manager; declines by reason. |
| Open pipeline | Deals in progress, pending approval and approved but unfunded, each with its count, commitment, median age and the oldest deal. |
The report counts the deals that carry a credit decision: originations, renewals and modifications. Loan reviews, covenant tests and spreads-only jobs are never counted as applications or decisions, so an approval rate is never diluted by work that could not be approved. The whole report, every table, downloads as one CSV.
Deals
The pipeline
The Deals list is split into stage tabs, each with its count: In Progress, Pending Approval, Approved and Closed. A deal moves between them on its own as the memo is submitted, signed and funded, so the tab counts are the pipeline without anyone updating a tracker. Filters narrow the list by status, assignee, relationship manager, credit owner, deal type, loan type, relationship, contact, commitment, documents outstanding and approval state, including Awaiting my signature, which is a credit officer's queue in one click. Columns are chosen per user and the filters are remembered.
Export downloads exactly what the filtered list shows, as an Excel or CSV file: deal, relationship, status, type, loan type, commitment, relationship manager, underwriter, facility, and the created and updated dates. A view-only user can export too. For a committee pack, Export memos downloads the selected deals' credit memos as Word documents in one ZIP.
Each deal's header carries its stage, its deal type (origination, review, renewal, modification) and, where a chain is on, how many signatures are in and who is next. The Data tab counts what is still outstanding from the borrower, so "what are we waiting on" is answered on the deal rather than by email.
Portfolio
The portfolio
The Portfolio is the book: one row per note, with its number, balance, commitment, rate, maturity and grade, grouped under the relationship that holds it. Beside each note is the relationship's monitoring state, because covenants, reviews and the rating belong to the borrower rather than to any one note. The default sort puts what needs someone at the top (a breach open, tasks overdue, results awaiting a decision), then the next due date.
| Column | What it reads |
|---|---|
| Risk rating | The note's own grade when the bank sets one, else the borrower's, on your bank's own rating scale. Every rating decision, a reaffirmation included, is a record with who proposed and who concurred. |
| Monitoring | The relationship's compliance state: compliant, waived, needs review, overdue or breach, from its latest covenant tests and reporting deliveries. |
| Monitoring tasks | The attention line: a breach open, tasks overdue, results to review, or awaiting the first test. |
| Next monitoring due | The next date a reporting package or covenant test comes due. |
| Commitment, outstanding, maturity | The note's terms as booked; the relationship's totals and next maturity are on its page, with the maturity in warning color inside 90 days. |
| Optional fields | Rate, source of record, originated date, next requirement, covenants passing, last confirmed test, relationship manager. |
Export full register to CSV downloads the compliance register: every note with its relationship, loan number, monitoring state, covenants passing, next due, commitment, maturity and last confirmed test. It is the covenant compliance report for a committee pack, a loan review or an examiner request. The summary strip above the list counts the notes and relationships on the books with total commitment and each relationship's monitoring state.
A note recorded by an annual-review import or synced from the core with no credit decision on Aloan still lists here, so the book is the whole book, not only the loans Aloan originated. Relationships the bank brings on from its latest credit memo, renewal or annual review carry their loans, parties, spreads, covenants and rating from that document.
Audit trail
The record on every deal
Reporting for compliance is mostly the ability to answer an examiner's question from the record rather than from memory. Aloan keeps that record in four places.
Status and stage history
Every move a deal makes, from in progress to pending approval to approved, declined, withdrawn or funded, is recorded with the person who made it and the time. The decision date, the funding date and the withdrawal date sit on the deal.
The approval record
Who signed, what they decided, the conditions they added, when each signer's email was sent or opened, every earlier submission with the package the signers saw, and every reopen with its reason. A decline carries its reason. Signed paper copies are stored once and never edited.
The policy verdict trail
Each rule result records the value used, where it came from (with a link to the spread, analysis or document), the alternatives considered, the policy text it was judged against with its page, and who resolved it and why. Exceptions are requested and approved as their own records, and the memo prints the register.
The relationship's Decisions and History tabs
Every credit decision with the deal it came from and its conditions marked cleared or waived; every review; every rating decision; every waiver or cure. History shows who changed what and when, with system events (proposals, recomputes, sweeps) one toggle away.
Analysis
Analysis exports and charts
Every saved analysis on a deal (cash flow and coverage, the consolidated statements, ratios, the cash bridge, the collateral worksheet, the debt schedule, the rent roll) exports to Excel on its own or all at once as one workbook, one tab per analysis, laid out the way the worksheet is. Below every cash flow worksheet, a chart shows cash available, debt service and coverage by period, with a stressed scenario overlaid, and saves into the memo. On a monitored covenant, the result panel charts the trend over recorded periods with headroom against the requirement.
The credit memo and the review memo export to Word and PDF with every citation, and the booking sheet exports the approved terms for loan operations.
Integration
Your own reporting tool
A bank with a data warehouse or a BI tool reads the same records through the REST API: deals with their status, stage, created and updated dates, relationships and their loans, saved analyses and the credit memo. Webhooks tell the bank's systems when a document upload finishes, a deal intake settles or an analysis is published, so the warehouse fetches the record when it changes instead of polling. No borrower names, documents or figures travel in a webhook; the integration fetches what it needs with its own key, and an activity log shows every call.
Pipeline and portfolio reporting: FAQ
What pipeline reporting does Aloan have?
Two things. The pipeline report shows application volumes, approval rates and turnaround times over a date range, by period, loan type and relationship manager, with the open pipeline by status and a CSV export. The Deals list is the working pipeline. It is split into stage tabs (In Progress, Pending Approval, Approved, Closed), each with its count, and filtered by status, relationship manager, credit owner, loan type, relationship, commitment, documents outstanding and approval state, including the deals awaiting your own signature. The columns are yours to choose, the filters are remembered per user, and Export downloads exactly what the filtered list shows as an Excel or CSV file: deal, relationship, status, type, loan type, commitment, relationship manager, underwriter, facility and the created and updated dates. Pending deals also have their own tab in the deal list, so a committee agenda is one filter.
Does Aloan report approval rates and turnaround times?
Yes. The pipeline report takes a date range and shows, for the period and for each month, week or quarter in it: applications started with their commitment, decisions made, approvals and declines with the approval rate, withdrawals, loans funded with their commitment, and the median days from application to decision, from submission to decision, and from decision to funding. The same figures break down by loan type and by relationship manager, declines break down by reason, and the open pipeline shows each status with its count, commitment, median age and oldest deal. Every figure is read off the deal's own stamps and status history, never keyed into a tracker, and the whole report downloads as a CSV.
What does the Portfolio show?
The book: one row per note the bank holds on Aloan, with its number, balance, commitment, rate, maturity and grade, grouped under the relationship that holds it. Beside each note is the relationship's monitoring state (compliant, waived, needs review, overdue, breach), its open monitoring tasks, and the next date a reporting package or test comes due. The default sort puts what needs someone at the top. A summary strip counts the notes and relationships on the books with total commitment and each relationship's monitoring state. Any column sorts, searches and filters, and fields such as source of record, originated date, covenants passing and last confirmed test can be added.
What is the compliance register export?
A CSV of every note with its relationship, loan number, monitoring state, covenants passing, next due date, commitment, maturity and last confirmed test. It is the covenant compliance report for a credit committee pack, a loan review or an examiner request, downloaded from the Portfolio in one click. A second export downloads the selected relationships' decision and review memos as Word documents in a ZIP.
Where is the audit trail on a deal?
In four places. The deal's status history records every status and stage change with the actor. The Approval tab records who signed, what they decided, when each signer's email was sent or opened, every earlier submission with the package the signers saw, and every reopen with its reason. The relationship page's Decisions tab lists each credit decision with the deal it came from, its conditions marked cleared or waived, every rating decision, and every waiver or cure; its History tab shows who changed what and when. On the Policy tab, every verdict carries its binding trail: the value used, where it came from, with a link to the spread, analysis or document, and the alternatives considered.
Can a bank pull Aloan data into its own reporting tool?
Yes. The REST API returns deals with their status, stage, created and updated dates, relationships and their loans, saved analyses and the credit memo. Webhooks tell the bank's systems when a document upload finishes, a deal intake settles or an analysis is published, so a data warehouse can fetch the record instead of polling. Every saved analysis on a deal also exports to one Excel workbook, one tab per analysis.
How does Aloan help with the management reports examiners ask for?
Examiners expect management to see approvals and declines, policy exceptions, covenant compliance and unfunded commitments. In Aloan the deal list by stage shows what is pending and approved, the Policy tab holds the exception register per deal and the memo prints it for the committee, the Portfolio shows each relationship's compliance state with a register export, the pipeline report gives approvals, declines and turnaround for any period, and every decision carries its reason and signer.
Related
Approval and closing. The approval record the pipeline reads from. See commercial loan approval and closing.
Covenant monitoring. The monitoring state the Portfolio reports. See covenant monitoring.
Commercial loan origination software. Every step Aloan runs between the application and the funded loan. See commercial loan origination software.
Examiner readiness. The management reports and audit trail an exam asks for. See examiner readiness for AI lending.