Application and credit review

Step by step

1. Set up lending scope App Administrator

   App Administrator confirms the organization, borrower and active team member before work begins. The borrower and team member must belong to the operating organization.

   • Establish party and actor scope
   • Updates Organizations, Borrowers, Team members

2. Prepare application Credit Officer

   Credit Officer records the request number, borrower, amount, date, subject and owner. The officer adds the supporting documents and moves the draft into review.

   • Record request and supporting files
   • Updates Loan applications, Record attachments

3. Review application Independent Credit Approver

   Independent Credit Approver checks the submitted revision, borrower context and evidence, then records a reasoned approve, reject or return decision.

   • Authorize, reject or return the reviewed revision
   • Updates Loan applications, Review decisions
   ApprovalA person approves before the work moves on.

4. Prepare commitment Credit Officer

   If a lender commitment is to be recorded, Credit Officer connects it to the application and organization. Its own decision follows a separate review path.

   • Link funding work to the request
   • Updates Funding commitments, Loan applications

Credit Officer

Prepares; Independent Credit Approver decides; App Administrator maintains scope; Auditor reads the resulting trail.