Income, employment and asset verifications are run by third-party vendors. The POS hands the borrower an initial link to the vendor and the vendor takes it from there. Knowing where that boundary sits saves a round trip when a verification goes wrong.
What the POS does and does not do
The POS provides the initial verification link on the task. Everything after the borrower clicks it — the connection to their bank or payroll provider, the report that comes back, the vendor's own emails and reminders — happens in the vendor's system.
That means the POS is not the place to look when:
- A borrower receives duplicate or repeated verification links that nobody requested. Those are generated by the vendor.
- A verification completed but no report appears, or the result is wrong.
- You need the underlying data — for example twelve months of statements behind an asset verification. That lives in the vendor's own dashboard.
Where to go instead
Your company holds the contract and the dashboard login for each verification vendor. Find out now, before you need it, who at your company administers each one — it is usually your internal IT or systems team, not your processors. Being bounced between the POS and the vendor is almost always a question of nobody knowing who owns the dashboard.
What to check on the POS side
If the verification task itself will not complete, is stuck in review, or the loan shows as locked, that part is worth raising. Note the task name and what the borrower sees, and check first whether the loan was locked by disclosures having been issued.