Bank App Structure
LaunchPad Bank - App Structure
Complete architecture for the separate banking underwriting platform
App Overview
Purpose
Professional loan underwriting and portfolio management platform for banks, credit unions, and lending institutions
Target Users
- • Loan Officers
- • Underwriters
- • Credit Analysts
- • Bank Managers
- • Compliance Officers
Integration Model: LaunchPad sends applications via API → Bank receives, reviews, approves/denies → Results sync back to LaunchPad
Core Entities
IncomingApplication
Applications received from LaunchPad or direct channels
application_id (external)
source (launchpad, direct, partner)
applicant_data (JSON)
financial_data (JSON)
documents (array)
status (new, under_review, approved, denied)
assigned_to (user_email)
priority_score
received_date
sla_deadline
UnderwritingDecision
Detailed underwriting analysis and decision
application_id
decision (approved, denied, conditional)
approved_amount
interest_rate
term_months
conditions (array)
risk_rating
underwriter_notes
decision_date
expiration_date
CreditAnalysis
AI + manual credit risk analysis
application_id
credit_score
debt_to_income
cash_flow_analysis
collateral_value
ai_risk_score
default_probability
industry_risk
market_conditions
analyst_notes
LoanProduct
Available loan products and criteria
product_name
product_type (sba, term, line_of_credit)
min_amount
max_amount
interest_rate_range
term_options
eligibility_criteria
required_documents
approval_workflow
is_active
LoanOfficer
Bank staff users and assignments
user_email
full_name
role (officer, underwriter, analyst, manager)
department
max_approval_amount
specializations (array)
active_applications
performance_metrics
availability_status
ComplianceCheck
Regulatory compliance tracking
application_id
check_type (kyc, aml, cip, ofac)
check_status
checked_by
flags_detected
resolution_notes
check_date
documents_verified
LoanPortfolio
Approved and funded loans
loan_id
borrower_name
original_amount
current_balance
interest_rate
payment_schedule
payment_status
delinquency_days
risk_rating
next_payment_date
maturity_date
DocumentVerification
Document review and verification
application_id
document_type
document_url
verification_status
verified_by
ai_analysis_results
discrepancies_found
verification_date
notes
LenderCommunication
Two-way messaging with applicants
application_id
thread_id
sender_type (bank, applicant)
sender_name
message
attachments
read_status
requires_response
created_date
AuditLog
Compliance and activity tracking
application_id
user_email
action_type
action_details
ip_address
timestamp
data_before
data_after
Core Pages
Application Pipeline
Kanban board for managing applications through stages
- • Drag-drop between New → Under Review → Approved → Denied
- • Quick filters by officer, product type, risk level
- • SLA countdown timers
- • Bulk assignment tools
- • Priority highlighting
Application Detail
Comprehensive underwriting workspace
- • Applicant & business info
- • AI credit risk analysis with ML predictions
- • Document viewer with side-by-side comparison
- • Financial statement analysis
- • Collateral valuation tools
- • Underwriting decision form
- • Internal notes & comments
- • Compliance checklist
- • Communication center
Credit Analysis Dashboard
AI-powered risk assessment tools
- • Default probability calculator
- • Industry benchmark comparison
- • Cash flow projection models
- • Debt service coverage ratio analyzer
- • Fraud detection alerts
- • Credit bureau integration
- • Recommendation engine
Portfolio Manager
Active loan portfolio monitoring
- • Portfolio performance metrics
- • Delinquency tracking
- • Payment schedules
- • Risk concentration analysis
- • Early warning indicators
- • Refinancing opportunities
- • Borrower communication
Compliance Center
Regulatory compliance hub
- • KYC/AML verification workflows
- • OFAC screening results
- • BSA reporting tools
- • Audit trail viewer
- • Policy enforcement checks
- • Regulatory report generation
Analytics & Reports
Business intelligence dashboard
- • Application volume trends
- • Approval rate analytics
- • Time-to-decision metrics
- • Officer performance stats
- • Risk distribution charts
- • Revenue projections
- • Custom report builder
Product Configuration
Loan product management (Admin)
- • Create/edit loan products
- • Set eligibility criteria
- • Define approval workflows
- • Rate sheet management
- • Document requirements
- • Integration settings
Team Management
User and permission management
- • Add loan officers/underwriters
- • Role-based access control
- • Approval authority limits
- • Assignment rules
- • Performance tracking
- • Availability calendar
Advanced Features
AI Underwriting Assistant
- • ML model for default prediction
- • Anomaly detection in financials
- • Automated document verification
- • Fraud pattern recognition
- • Recommendation engine
- • Continuous learning from decisions
Real-time Communication
- • Two-way messaging with applicants
- • Document request workflows
- • Status update notifications
- • SMS/email integration
- • Video call scheduling
- • Automated follow-ups
Risk Analytics Engine
- • Portfolio risk concentration
- • Stress testing scenarios
- • Industry exposure tracking
- • Geographic risk mapping
- • Early warning system
- • Loss given default estimates
Compliance Automation
- • Automated KYC/AML checks
- • OFAC screening integration
- • CIP workflow automation
- • Red flag detection
- • Audit trail generation
- • Regulatory report templates
Document Intelligence
- • OCR and data extraction
- • Financial statement parsing
- • Tax return analysis
- • Bank statement verification
- • Cross-document validation
- • Tamper detection
Workflow Automation
- • Intelligent application routing
- • Auto-assignment by expertise
- • Approval chain management
- • SLA monitoring and alerts
- • Decision tree workflows
- • Status update automation
LaunchPad Integration Points
LaunchPad → Bank
Application Submission
When entrepreneur submits via SmartLoanApplication, data flows to Bank as IncomingApplication
Bank → LaunchPad
Decision Sync
When underwriter makes decision, update LoanApplication status in LaunchPad + send notification
Two-way
Document Sharing
Documents uploaded in LaunchPad accessible in Bank, and vice versa via secure URLs
Two-way
Messaging
Messages sent from Bank appear in LaunchPad's ApplicationMessagingCenter and vice versa
Bank → LaunchPad
Status Updates
Real-time status changes (under review, approved, funded) sync to LoanTracker
LaunchPad → Bank
Additional Documents
When entrepreneur uploads more docs, notify assigned officer in Bank
Technical Considerations
Authentication
- • Separate user base (bank staff)
- • SSO integration option
- • MFA required
- • Role-based access
Security
- • End-to-end encryption
- • Field-level encryption for PII
- • Audit logging on all actions
- • IP whitelisting
Performance
- • Large file handling
- • Real-time updates via websockets
- • Caching for analytics
- • Batch processing jobs
Implementation Roadmap
Phase 1: Foundation
2-3 weeks
- Set up new Base44 app
- Create core entities
- Build authentication & user management
- Design Layout and navigation
- Basic application list/detail pages
Phase 2: Core Workflows
3-4 weeks
- Application pipeline (Kanban)
- Underwriting decision forms
- Document viewer/verification
- Basic credit analysis tools
- Internal messaging/notes
Phase 3: AI & Intelligence
3-4 weeks
- AI risk scoring engine
- Document OCR & extraction
- Fraud detection
- Automated workflows
- Recommendation engine
Phase 4: Integration
2-3 weeks
- LaunchPad API integration
- Two-way data sync
- Unified messaging
- Document sharing
- Status webhooks
Phase 5: Advanced Features
3-4 weeks
- Portfolio management
- Compliance automation
- Advanced analytics
- Report generation
- Performance optimization