The workflow

One session to configure. Automatic from there.

A step-by-step walkthrough of the Atrium onboarding and reconciliation workflow, from your first tape delivery to an IC-ready report.

The pipeline

Tape arrives, reconciliation runs, exceptions surface.

Every part of the reconciliation pipeline runs automatically after the one-time onboarding session.

1

Tape delivery

Your servicer or admin drops a loan tape via SFTP, API endpoint, or direct file upload. Atrium accepts CSV, Excel, and native format exports from Allvue, Black Mountain, and FIS CDM without pre-processing.

Input: raw tape file in any configured format

2

Field mapping and validation

Atrium applies the field mapping schema configured in your onboarding session. Each field is validated against the normalized position model. Rows with missing required fields surface in a reconciliation exception log with the exact row reference and original value.

30+ schemas pre-configured. Custom schemas added in onboarding.

3

Position reconciliation

Positions are compared against the prior tape delivery. Outstanding balance changes, new positions, and retired positions are flagged with change context. PIK elections and amendment adjustments update the position record with full version history.

Result: reconciled position ledger with change summary

4

Covenant test

Each position with defined covenant rules is tested against the values in the new tape. Breaches and watchlist conditions trigger within 24 hours of tape delivery. Notifications sent by email or webhook to configured recipients.

Result: exception list with breach context per position

5

Cash flow attribution

Scheduled and actual principal, interest, and fee payments are mapped per position. Discrepancies between schedule and received amounts are flagged with the source tape record. PIK periods and retroactive schedule changes are handled with version-controlled attribution.

Result: period-level cash attribution per position

6

IC report generation

The report layout configured in your onboarding session is populated with the reconciled data and exported in all configured formats. No manual trigger required. Report runs on the schedule tied to your tape delivery cadence.

Output: PDF / Excel / JSON API

Onboarding

Configured in four weeks, not four months.

A structured onboarding program with defined deliverables at each step.

Wk 1

Source connection

SFTP credentials or API keys provided. First tape delivery tested and validated. Connectivity confirmed for all configured data sources.

Wk 2

Field mapping

90-minute working session with your ops lead. Source field names mapped to Atrium normalized schema. Custom fields added as needed. Mapping schema reviewed and signed off.

Wk 3

Covenant configuration

Covenant rules defined per facility. Thresholds configured and tested against your most recent tape. Notification routing set for exceptions and watchlist conditions.

Wk 4

Report sign-off

IC report layout reviewed and approved. First full reconciliation run completed. Report delivered in configured format. Platform handed off for regular operations.

Common questions

What fund teams ask before onboarding

Ready to walk through the workflow with your own tape?

We'll map your tape format and covenant structure in the first session.

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