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2 min read

Loan Underwriting Platform

Built the core lending system for a fintech that became TBO Bank.

What I Built

The loan underwriting system at Hyphen — from application intake to decision engine to disbursement. This platform processed loan applications over six years and helped the company grow from a startup into TBO Bank.

Technical Work

  • Full-stack migration: Moved from CodeIgniter to Laravel, rebuilt the frontend in Vue.js
  • Underwriting engine: Automated decision logic that reduced approval time significantly
  • Payment integrations: Connected to multiple payment providers for disbursement
  • Operational tooling: Built the dashboards and admin interfaces the operations team used daily
  • Scalable architecture: Designed the system to handle growth from startup to bank acquisition

Technologies

Laravel, Vue.js, MySQL, CodeIgniter (legacy), jQuery (legacy), REST APIs, Payment gateway integrations

Outcome

Hyphen merged with TBO Bank in 2024. The platform I built is still processing loans today.