From the cleared file to a signed committee decision, every figure cited to the page it came from.
One borrower, from the cleared file to a signed committee decision. 5 workflows, then the committee.
5 workflows, then the committeeUnderwriting
Two signers read the verified memo and decide. Nothing is approved until both have signed.
Head of credit and chief risk officerAwaiting signatureEach stage is built to your credit policy and proven on your past files before it goes live.
See this stageStatements read, figures spread, the memo drafted and every figure verified. Your committee reads one paper and decides.
The 2025 accounts are management drafts, signed by the director and not audited.Financial statementsPage 3Audit statusNot audited
A paper ready before the committee sits
Statements read, figures spread and the memo drafted, verified and ready for a decision.
Your analysts on the judgment
The reading, the spreading and the first draft are done. Your people spend their time on the call.
Every reason on record
Every figure ties to its page, and every decision keeps who signed it and why.
The rating runs on your scorecard and your policy limits, written down with your head of credit.
A separate check ties every figure in the memo to its source before anyone reads it.
Documents, KYB and screening are cleared before the credit pack opens.
Before it goes live, it runs on credit files you have already decided and must match your committee.