> ## Documentation Index
> Fetch the complete documentation index at: https://docs.keystn.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loan Team

> Every loan has a team of a Loan Officer, optional LOAs, and optional Processors whose assignments drive commission splits and reporting.

## Team roles

| Role                             | Assignment | Cardinality      | Description                                                                                                                                                                   |
| -------------------------------- | ---------- | ---------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Loan Officer**                 | Required   | Exactly one      | The originating loan officer. Set when the loan is created and can be changed via the edit form. Drives commission calculations based on the officer's commission plan.       |
| **Loan Officer Assistant (LOA)** | Optional   | Multiple allowed | Assists the loan officer with file preparation, document collection, and borrower communication. Each assistant can have their own commission split.                          |
| **Processor**                    | Optional   | Multiple allowed | Handles the operational processing of the loan -- ordering appraisals, managing conditions, coordinating with the lender. Each processor can have their own commission split. |

***

## Assigning a Loan Officer

The Loan Officer is set when the loan is created (it is a required field). To change the Loan Officer after creation:

1. Navigate to the loan detail page.
2. Click **Edit Loan** in the page header, or click **Edit** on the Overview tab.
3. Change the **Loan Officer** dropdown.
4. Save the changes.

The dropdown shows all active employees in your company who have the **Loan Officer** role.

***

## Adding Loan Officer Assistants

A loan can have multiple LOAs.

### How to add an LOA

1. Navigate to the loan detail page.
2. Scroll to the **Team** card on the Overview tab.
3. Under **Loan Officer Assistants**, click the **Add Assistant** button.
4. A dropdown appears showing all active employees (excluding the Loan Officer and employees already assigned as assistants on this loan).
5. Select an employee from the dropdown.
6. Click **Add**.

The assistant appears immediately in the list below.

### How to remove an LOA

Click the **X** button next to the assistant's name. The removal takes effect immediately.

***

## Adding Processors

A loan can have multiple Processors.

### How to add a Processor

1. Navigate to the loan detail page.
2. Scroll to the **Team** card on the Overview tab.
3. Under **Processors**, click the **Add Processor** button.
4. A dropdown appears showing all active employees (excluding the Loan Officer and employees already assigned as processors on this loan).
5. Select an employee from the dropdown.
6. Click **Add**.

### How to remove a Processor

Click the **X** button next to the processor's name. The removal takes effect immediately.

***

## How team assignments affect commissions

Team assignments are directly tied to Keystone's commission engine. Each team member's commission is calculated based on their individual commission plan:

* **Loan Officer:** Their commission plan defines their percentage or flat-rate split based on the loan amount or broker compensation.
* **LOAs and Processors:** Each can have their own commission deduction from the loan officer's commission, calculated on the loan amount, loan revenue, net commission, or gross commission.

### Important considerations

* Changing the Loan Officer on a loan changes whose commission plan applies to that loan.
* Adding or removing an LOA or Processor affects the commission split calculations.
* Commission calculations are visible on the **Commissions** tab of the loan detail page.
* Team changes do not retroactively affect already-paid commissions. Only the current team assignment is used when calculating future payouts.

## Team in CSV uploads

When uploading loans via CSV, you can assign team members by including columns for:

* `Loan Officer` / `Loan Officer Name` -- matches by name or email
* `Primary Loan Officer Assistant Name` / `Email` -- up to 3 LOA slots
* `Primary Loan Processor Name` / `Email` -- up to 3 processor slots
* `Loan Officer #2 Name` / `Email` and `Loan Officer #3 Name` / `Email` -- secondary and tertiary LOs (added as assistants)

If an employee name or email is included in the CSV but does not match an existing employee, Keystone will auto-create the employee record for you. See [Bulk Upload](/loan-pipeline/bulk-upload) for details.