Collateral & security management
|
|
| ID |
MOD-066 |
| System |
SD05 |
| Repo |
bank-credit |
| Build status |
Deployed |
| Deployed |
Yes |
| Last commit |
19b0610 |
Collateral and security management is the operational register of assets pledged as security for credit exposures. It serves as the system of record for what assets back which loans, at what valuations, under what terms — providing the data that feeds the risk engine (MOD-030), the capital model (MOD-033), and the exposure calculations (MOD-084).
The module supports the full lifecycle of collateral: registration at origination (linking a property, vehicle, receivables pool, or personal guarantee to a facility), periodic revaluation (accepting updated appraisals and market values), monitoring (alerting when coverage falls below the loan-to-value covenant), and release (managing the discharge of security on repayment or substitution).
Customers with secured facilities can view their pledged assets, upload valuation reports, and track the release of security through the app. Credit staff use the back-office view to run the collateral register, process revaluations, and action coverage alerts. Required for SME lending, invoice finance, reverse mortgage, and any facility backed by real collateral.
Module dependencies
Depends on
| Module |
Title |
Required? |
Contract |
Reason |
| MOD-028 |
Credit score & risk rating |
Required |
— |
Collateral records are linked to credit exposures tracked by the credit risk rating engine. |
| MOD-033 |
RWA & capital ratio engine |
Optional |
— |
Collateral valuations and haircuts feed the RWA and capital ratio engine as secured exposure inputs. |
| MOD-104 |
AWS shared infrastructure bootstrap |
Required |
— |
AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed. |
| MOD-103 |
Neon database platform bootstrap |
Required |
— |
Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres. |
Required by
| Module |
Title |
As |
Contract |
| MOD-115 |
Property security and LVR management |
Hard dependency |
— |
Policies satisfied
| Policy |
Title |
Mode |
How |
| CRE-005 |
Concentration Risk Policy |
LOG |
Maintains the register of collateral supporting each exposure — used to calculate net exposure for concentration limit monitoring. |
| CRE-001 |
Credit Risk Management Policy |
CALC |
Feeds current collateral coverage ratios into credit risk monitoring so secured and unsecured exposure is correctly tracked. |
Capabilities satisfied
| Capability |
Title |
Mode |
How |
| CAP-100 |
Collateral registration |
AUTO |
Records pledged assets — property, receivables, guarantees — against the linked credit exposure with all identifying details. |
| CAP-101 |
Collateral valuation tracking |
CALC |
Accepts valuation updates, applies configured haircuts, and recalculates coverage ratios, feeding results to the exposure and capital engines. |
| CAP-102 |
Security release & enforcement |
GATE |
Enforces release of security only after full repayment or authorised partial release — blocks release without the required approval. |
Part of SD05 — Credit Decisioning & Loan Platform
Compiled 2026-05-22 from source/entities/modules/MOD-066.yaml