Loan Management System for Credit Unions

October 30, 2025

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Case study: CRM & case management

Building a central case management system for Irish Credit Unions

How Target Integration designed and delivered SAM, a secure, workflow-driven platform now used by a large number of Credit Unions to manage applications from first enquiry to final decision.

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Overview

In 2017, Credit Unions in Ireland faced a shrinking loan book and needed to launch a new, longer-term lending product: Credit Union mortgages. Delivering it meant handling complex applications, sensitive documents, multiple reviewers and strict compliance requirements, all at scale across many independent organisations.

The Credit Union Development Association (CUDA) led the initiative, creating a framework to help Credit Unions launch the product and a shared platform to manage the process.

The challenge

CUDA needed more than a single-product tool. It needed a secure, reusable case management system that could:

  • Capture and track each case from first enquiry to final decision
  • Assess eligibility consistently at the earliest stage
  • Store and manage supporting documents securely
  • Route cases through structured workflows and approvals
  • Involve external reviewers where internal capacity or expertise was limited

The solution

Target Integration worked with the CUDA team to turn its framework into a full system blueprint, covering functional specifications, security requirements and data architecture. TI then developed the software and continues to provide ongoing support. In 2018, the System for Application Management (SAM) went live.

End-to-end case managementEvery application managed in one central system, from intake to outcome.
Eligibility assessmentA built-in calculator supports consistent early-stage decisions.
Document managementSecure storage and handling of all case documentation.
Configurable workflowStructured stages, handoffs and approvals replace email chains.
External reviewer accessThird-party assessors review cases and give feedback within the system.
Security by designSecurity requirements and data architecture defined before build.

The outcome

SAM is now used by a large number of Credit Unions to manage the full application process. Because it was designed as a central platform rather than a single-product tool, it can support a wider range of application and case-based processes.

Why this matters for public sector organisations

The same challenges appear across councils, housing bodies, health services and government agencies: high volumes of cases, document-heavy processes, multi-stage approvals and multiple stakeholders.

SAM shows how Target Integration designs and delivers secure, workflow-driven case management systems that replace manual handoffs with a connected, auditable process, available through established public sector procurement frameworks.

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About CUDA: The Credit Union Development Association is a Credit Union-owned network providing support in regulatory compliance, risk management, shared services and competency development.