Independent review

Step by step

1. Submit for independent review Credit Officer

   Credit Officer sends the current instruction revision and its attachments into review. The owner remains responsible for questions and corrections.

   • Freezes the case basis presented to the reviewer
   • Updates Loan applications, Record attachments

2. Inspect the case Independent Credit Approver

   Independent Credit Approver checks organization, counterparty, account scope, requested amount, value date and supporting material against the submitted revision.

   • Checks party and account scope against the amount
   • Updates Loan applications, Disbursements, Loan accounts, Borrowers

3. Approve the instruction Independent Credit Approver

   Independent Credit Approver records the decision, reason and reviewer on the same parent and revision. Approval advances the instruction only after that decision row exists. A decline closes this version; a return requires correction and renewed review.

   • Records the decision and changes the instruction outcome
   • Updates Review decisions, Loan applications, Team members
   ApprovalA person approves before the work moves on.

4. Carry the decision forward Credit Officer

   Credit Officer uses the approved instruction for the provider submission. Auditor can trace the actor, time, reason and source revision without changing the outcome.

   • Keeps review authority visible for provider work
   • Updates Loan applications, Operation receipts

Credit Officer

Submits and corrects.

Independent Credit Approver

Decides.

Auditor

Examines the decision trail.

App Administrator

Maintains membership without taking the financial decision.