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Mambu Setup

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User permissions

To configure user permissions in the Mambu UI go to the Administration tab, then Access, then open the Users section and click Actions > Edit for the user you want to edit.

User permissions

Note:
The Mambu user should have Mambu and API access rights.

The minimum required user permissions to use the connector are:

EntityPermissions
ClientsView Client Details
Create Clients
Edit Clients
Approve Clients
Manage Client Association
GroupsView Group Details
Create Groups
Edit Groups
Approve Group
Manage Group Association
ProductsView Loan Product Details
Loan AccountsView Loan Account Details
Create Loan Accounts
Edit Loan Accounts
Delete Loan Accounts
Approve Account
Request Loan Approval
Disburse Loans
Edit Loan Tranches
Set Disbursement Conditions
Manage Loan Association

Products and fees configuration

  1. Access Mambu and start creating the loan products with your desired settings and fees. Keep in mind that the same fees need to be configured in nCino as well. Supported settings for loan products can be found in the table below:
Product settingValue
Product typeFixed Loan
Dynamic Loan
Revolving Credit
Tranched Loan
Interest Calculation MethodFlat
Declining Balance Equal Installments
Declining Balance
Interest Rate SourceFixed Interest Rate
Index Interest Rate
Payments MethodStandard Payments
Optimized Payments
Balloon Payments
Grace PeriodPrincipal Grace Period - enabled by default for all the products except for the Balloon Payments
Repayment Amount - Principal PaymentFlat Amount
% of Outstanding Principal (only for Revolving Credit)
Repayment Amount - Total Due Payment% of Total Balance (only for Revolving Credit)
Product FeesDisbursement fees (deducted, capitalized, upfront)* Only for Fixed and Dynamic term loans
  1. Start creating the fees taking into consideration the Fee Name in Mambu must contain the fee id from nCino in the format {nCino Fee Id} {Mambu Fee name}, for example 020 Loan Origination or 013 Upfront Disbursement. This step can be done in parallel with the configuration of fees in nCino or you can come back to it later to update the fee name with the id generated in nCino. The fee types supported by this integration are:
  • Upfront disbursement
  • Capitalized disbursement
  • Deducted disbursement
  1. Take note of the Mambu product’s encodedKeys as they will be used in both MPO and nCino products configuration. You can take the encodedKey from either the browser address bar if using the UI, or by using our get products api once you have created your products.

loan encoded key from UI address bar

Notes:

  1. Fees are not supported for the Revolving credits and Tranched loans since these types of loans allow only First Repayment Date as part of the Disbursement Details wrapper. Disbursement fees can be added to these types of loans only when disbursing them.
  2. The fees must be set as optional in Mambu. This means that the fee is applied on the loan account only if provided by nCino.
  3. Percentage amount fees will ALWAYS be configured in Mambu with a default amount (default Mambu behaviour)!
  4. Flat fees will ALWAYS be configured in Mambu without a default amount.

Branches configuration

Branches will be configured manually both in nCino and Mambu. They will be linked through the lookupkey which will take the value of the branch encodedKey from Mambu. This is the only field used in the MPO logic, so the other fields can be configured as the client desires.
Other branch details such as state, city, address, etc, are not used in the MPO logic but should be the same across each system for consistency purposes.

In order to obtain the mapping above described , create the Branch in Mambu and take note of its encodedKey either by taking this from the browser address bar if using the UI or by using our get branches API endpoint.

branch encoded key in address bar in Mambu UI

Next, follow the steps for configuring branches in nCino in the next page.