Who saw what, when, as a file.
When an examiner asks who had access to a file and when it changed, email cannot answer. Prodeal logs every view, upload, edit, and permission change, and exports it as a file.
An audit trail records who did what and when, in a form someone outside the deal team can read years later. For a lender that matters at examination, in a participation sale, and in any dispute about what a party received. The test is not whether a system logs activity, it is whether the history exports cleanly and survives as long as the loan. Prodeal keeps the record with the deal and exports it as a file.
What counts as an audit trail
Every system logs something. The question is whether what it logs answers the questions asked later, by someone who was not there, using only the file.
Three properties separate a usable record from a technical one. It is complete, covering actions rather than only document versions: who was granted access, who was removed, what was approved, what was waived. It is attributable, naming people rather than accounts. And it is exportable, as a file someone can read without a licence to your software.
The fourth property is duration. A record that ages out after the subscription changes is not a record for a loan that runs ten years.
What an examiner is actually testing
Examinations sample closed files and test whether the file supports the credit decision. The findings that hurt are rarely exotic. A condition that was waived with no evidence of who approved it. A recorded instrument nobody followed up on. An exception that has been on the report for three cycles with no owner.
Each of those is a record problem rather than a credit problem, and each is created at closing and discovered years later. That gap is the argument for keeping the record with the loan rather than in the memory of the people who closed it.
The same record does ordinary work in between: proving to a participant what was delivered, and settling the occasional disagreement about what a party received and when.
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Email has no access record
It logs delivery, not access, and cannot say who opened a document or when.
Approvals are sentences in threads
Reconstructing the approval chain means reading the whole thread and hoping.
Reconstruction is the hidden cost
Passing an audit on email files means rebuilding the record months after everyone moved on.
The record, kept as you work.
The trail accumulates on its own, ready before anyone asks.
01Work the deal
Your team and the outside parties do their normal work in the room.
02Prodeal records it
Every view, upload, edit, and access change is time-stamped and attributed.
03Approvals become events
A status change to approved is a recorded event, not a sentence in a thread.
04Export for the exam or your SIEM
The record leaves as a file for the auditor or your security team.
Pull a complete record from one live deal.
Book a demoAttributed to a person
Every view, upload, edit, and status change names its user and time as it happens.
Access history on demand
Who gained or lost access to what, and when, is a lookup instead of an investigation.
Approvals become events
Moving an item to approved is a recorded change, not a sentence buried in a thread.
Exports for exam or SIEM
The record leaves as a file for the examiner, the auditor, or your security tooling.
Questions lenders ask
- What does audit trail software do?
- It keeps a time-stamped, tamper-resistant record of every action on a deal, exportable as a file, so questions about access, versions, and approvals are answered by retrieval instead of reconstruction.
- What exactly is recorded?
- Every view, upload, edit, status change, and access change, each attributed to a user with a time stamp, as it happens.
- Can we export the record?
- Yes. The audit trail exports as a file for an examiner, an auditor, or your own security tooling.
- Are approvals captured?
- Yes. Moving an item to a status like approved or received is a recorded event, not a line buried in an email thread.
- What should an audit trail capture on a loan closing?
- Actions as well as documents. Access granted and revoked, documents requested, uploaded, replaced and approved, conditions satisfied or waived with the approver, and the dates on all of it. Attributed to named people, and exportable as a file.
- How long should the record be retained?
- At least as long as the loan, and longer where participation or examination practice requires it. Confirm the retention period in writing, and confirm you can export both documents and history without a support ticket.
- Is a document version history the same as an audit trail?
- No. Version history answers what the document looked like. An audit trail answers who did what and when, including the actions that produced no document, such as granting access or waiving a condition. The second is the one an examiner asks about.
The next exam, a retrieval.
Bring one deal to the walkthrough. When the question comes, the answer exports as a file.