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- Lending Platform
- Process
- Evidence and exceptions
Evidence and exceptions
The lending team needs a way to distinguish a credit decision from a provider effect. Application evidence, attachments and operation receipts stay linked to the application. A receipt gives the attempted action, stable key, expected revision, result state and any failure reason. The Credit Officer can compare that record with provider references and actual account effects before closing an exception.
Step by step
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Attach evidence Credit Officer
The Credit Officer adds source material and records the provider event where applicable.
- Keeps files and provider events linked
- Updates Record attachments, Application evidence
-
Verify provider outcome Credit Officer
The officer compares the source response with the application and operation receipt.
- Distinguishes confirmed from uncertain effects
- Updates Operation receipts, Loan applications, Application evidence
-
Reconcile account Credit Officer
The officer checks account snapshots and event records for a consistent result.
- Checks later account evidence
- Updates Loan account snapshots, Repayments, Disbursements
Who does what
Roles and permissions- Credit Officer
- Investigates and records evidence.
- Independent Credit Approver
- Handles any new credit decision.
- Auditor
- Reads the retained trail.
- App Administrator
- Maintains organization access.
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