Surface your highest delinquency risk accounts before they roll further
Every morning, WebRun opens MeridianLink and identifies loans with payments 15 to 89 days past due or showing early risk signals, scores each account by delinquency severity and balance, logs the results to a Google Sheet risk tracker, and sends your collections team a prioritized Telegram message so the highest-risk accounts are worked first.
- No credit card
- Under $0.01 per run
- Cancel anytime
How can a credit union automatically score and surface delinquent loan risk each morning?
WebRun opens MeridianLink every morning, identifies all loans 15 or more days past due plus early-risk accounts, scores each by severity and balance, updates your Google Sheet risk tracker, and sends the collections team a prioritized Telegram worklist. No member is contacted by the automation. Collections officers work from the ranked list.
- Collections staff know which accounts to call first before the workday begins
- Accounts that deteriorate overnight are flagged and moved to the top of the list
- The Google Sheet risk tracker builds a running delinquency history automatically
Built for credit union collections officers · loan portfolio managers · credit risk teams
What does WebRun do on every run?
The exact actions WebRun takes, in order - in plain language, so you can adjust anything.
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WebRun signs in and gets to work
Opens
app.meridianlink.comin a real browser with your saved login - no setup, no API keys. -
1
MeridianLink - identify delinquent and at-risk loans
meridianlink.com How to Automate MeridianLink
WebRun opens MeridianLink to identify delinquent and at-risk loans. - Open MeridianLink and filter the loan portfolio to accounts 15 days or more past due
- Also pull any accounts with missed payments in the last 60 days that are currently current
- Capture loan type, balance, days past due, payment history, and member contact info for each
- Exclude accounts already assigned to a formal charge-off or bankruptcy workflow
Done when All delinquent and early-risk accounts are pulled with full loan and member details.
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2
Google Sheets - log and score each account
google.com How to Automate Google Sheets
WebRun opens Google Sheets to log and score each account. - Open the delinquency risk tracker Google Sheet
- Update or add a row for each account with today's days-past-due, balance, and risk score
- Score each account: red for 60-plus days, orange for 30 to 59 days, yellow for 15 to 29 days, green for early-risk
- Note any account that moved to a worse category since yesterday
Done when The risk tracker is updated with today's delinquency data and risk scores for every account.
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3
Telegram - send prioritized risk worklist
telegram.org How to Automate Telegram
WebRun opens Telegram to send prioritized risk worklist. - Send a Telegram message to the collections team channel
- List red accounts first, then orange, then yellow
- Include account number, balance, days past due, and risk score for each
- Flag any account that deteriorated since yesterday's run
Done when The collections team has today's prioritized risk worklist in Telegram.
How is each run configured?
Secure by default
Connect once, stays signed in
WebRun signs in once and keeps each session in a persistent environment, so every run picks up right where it left off.
Every action is checked against this policy before it runs.
Questions, answered
Will it contact members about their delinquency automatically?
No. WebRun only surfaces the worklist to your collections team. All member outreach is initiated by a collections officer after reviewing the prioritized list.
How is the risk score calculated?
Accounts are scored by days past due and outstanding balance. You can adjust the thresholds in the Google Sheet configuration so the scoring matches your credit union's own delinquency policy.
What if an account made a payment overnight and is now current?
WebRun reads live MeridianLink data on each run, so any account that has cured since the last run is automatically excluded from that morning's worklist.
Related templates
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