Lesson plan

Credit union and community bank operations products

Use Moraph's onboarding, loan participation, construction draw, Call Report, board packet and cash logistics products the way they are designed, with the right person making each decision.

Back to the course

Product: Digital Member Onboarding (KYC/CIP)
Level: Practitioner
For: Users, Administrators
Total time: 2 hr 29 min
Lessons: 12 in 3 modules
Assessments: 4

Course objectives

Explain how Digital Member Onboarding verifies, screens and routes applications, and work an exception to a recorded resolution
Prepare, screen and allocate a loan participation, and review a remittance batch in the Shared-Risk Loan Syndication Engine
Reconcile a construction draw request against inspection evidence, retainage and conditions before approval
Take a quarterly filing in the Automated Call Report Filer from data load through validation, review and recorded submission
Build, publish and control a board packet, and record votes, recusals and minutes in the Board Governance & Packet Portal
Review and approve replenishment plans and work cash discrepancies in the ATM & Cash Logistics Optimizer
Tell which decisions each product makes for you and which stay with your officers, counsel and staff

Before the course

You can sign in to Moraph and open products in Moraph Apps (see Moraph foundations)
You work in, or support, operations, lending, finance, governance or compliance at a credit union or community bank
You know your own institution's policies for the areas you work in

Module 1: Member onboarding and CIP (33 min)

Lesson	Type and time	Learners will be able to	Activity and assessment
How Digital Member Onboarding works	Reading 12 min	Describe the four stages an online application goes through, from Apply to Resolve and open Explain what decision rules do and who approves changes to them List what the CIP record keeps for each customer Recognize what the product does not do, such as funding accounts or monitoring transactions	Reading
Working onboarding exceptions	Reading 13 min	Work an exception from the queue to a recorded resolution under your CIP procedures Handle a possible sanctions match and know when to escalate to the BSA officer Help an applicant who cannot complete document capture or a liveness check Follow a business application through beneficial owner verification	Reading
Module 1 knowledge check	Assessment 8 min	Check your understanding of how applications are verified, screened and routed Apply the exception procedures to realistic situations	5 questions · pass mark 70% · unlimited attempts

Module 2: Lending operations (51 min)

Lesson	Type and time	Learners will be able to	Activity and assessment
Selling and buying loan participations	Reading 14 min	Prepare and publish a participation offer as the selling credit union Read a buyer's policy screen and calculate concentration headroom Record due diligence and an officer's decision, including a policy override Review a remittance batch before your own payment channels send funds	Reading
Managing construction loan draws	Reading 14 min	Follow a draw request from submission through inspection, reconciliation, approval and funding Reconcile requested amounts against verified percentage complete for each budget line Decide what to do with photos flagged as taken away from the site Check lien waiver and title conditions before a draw moves to approval	Reading
Practical: reconcile a construction draw	Practical exercise 15 min	Reconcile a draw request against inspection evidence on paper Decide which conditions block approval and record reasons a reviewer can follow	Practical exercise with a checklist
Module 2 knowledge check	Assessment 8 min	Check your understanding of participation screening, approval and remittances Apply draw reconciliation and condition rules to realistic situations	5 questions · pass mark 70% · unlimited attempts

Module 3: Reporting, governance and cash (1 hr 5 min)

Lesson	Type and time	Learners will be able to	Activity and assessment
Preparing the Call Report	Reading 13 min	Take a quarterly filing through Data collection, Mapping and draft, Validation, Review and Signing officer approval Resolve data breaks and explain edit exceptions with traceable evidence Record a manual adjustment instead of typing over a figure Record the submission your institution makes through the filing system	Reading
Board packets, votes and minutes	Reading 12 min	Build, publish and update a board packet with the right reading room controls Record a conflict and make sure the recusal is enforced Run a vote or written consent and take minutes through to approval Add and remove directors safely	Reading
Planning ATM and branch cash	Reading 12 min	Explain how the Optimizer forecasts demand and weighs idle cash, delivery cost and run-out risk Review a replenishment plan and route orders above threshold for approval Record a local event and confirm a delivery and count Work a cash discrepancy to resolution	Reading
Module 3 knowledge check	Assessment 8 min	Check your understanding of the Call Report, board portal and cash logistics workflows Apply separation of duties and the products' limits to realistic situations	5 questions · pass mark 70% · unlimited attempts
Final assessment	Assessment 20 min	Show you can apply what you learned across all six products Judge which decisions each product supports and which stay with your institution	12 of 18 questions · pass mark 80% · 3 attempts

Completing the course

Every lesson must be completed: reading lessons are marked complete by the learner, exercises when every checklist item is confirmed, and assessments only when passed. Completing the course issues a certificate of completion with a verification code.