Decision review

Credit Reviewer examines a submitted application and records the outcome in a separate decision record. The decision identifies the application revision, reviewer, time, reason codes and operation key. This separates the reviewer’s judgment from the preparer’s changing work. It also gives Auditor a way to answer which version was considered and who made the decision.

Suppose an Operations Manager submits an application for a requested amount, then notices a correction. The reviewer should see the updated revision before deciding. A decision tied to the earlier revision should not silently authorize the changed request. The case history should make the correction and the later decision understandable without relying on a freeform comment alone.

• Submission. Applications carries the case status and revision that reaches review.
• Decision. credit decisions records approve, decline or refer with a reviewer and reasons.
• Evidence. record attachments and assessment evidence keep supporting material and provider events near the case.

Name the people permitted to prepare and review applications. Keep the independent reviewer separate from the submitter. Agree how reason codes will be written consistently enough to compare decisions across cases. Decide what happens to a referred case: who receives it, which revision changes, and how the reviewer sees the corrected material. Define a clear route for a decline and for any later new application from the same applicant.

An approval decision is still distinct from provider execution and confirmation. The team should not mark a case confirmed simply because the reviewer approves it. Establish who records provider evidence, who checks it, and how the instruction identifier is associated with the application. Use the decision time and reviewer identity during a later audit of the case.

Prepare a submitted application with a supporting attachment. Have a Credit Reviewer who did not prepare it compare the amount, purpose, applicant and revision. Record an approval with reasons, then inspect the decision history from the application. Repeat with a referred application and a changed revision. Confirm that the new reviewer decision identifies the new revision while the earlier decision remains visible.

• Submitted decision inbox. Review submitted applications ready for a decision.
• Decision history. Read the recorded outcome, reviewer, reasons and revision.
• Authorized applications. Find approved cases awaiting provider follow-up.

See decision and authorization and provider follow-up.