Delegated Authority
Approval Routing Simulator
Simulate risk-based approval authority using exposure, risk grade, collateral coverage, customer segment, facility type, and policy exception severity.
Recommended Tier
Group Credit Committee
Routing Score
10
Weighted business rule score
Target SLA
10 days
Portfolio assumption
Maker Checker
Required
Exposure
RM 2,500,000
Mid-Market
Credit Case Inputs
Route changes when authority, risk, collateral, or exception context changes.
Group Credit CommitteeMaker-checker requiredREQ017 / REQ018
Approval Route Recommendation
The route is generated from transparent business rules so a BA can explain the approval outcome to RM, Credit, Risk, Technology, and UAT stakeholders.
Routing Rationale
RM 2,500,000 total exposure places the case in score band 3.
Medium risk and partially secured collateral influence approval authority.
New Term Loan for Mid-Market segment requires Group Credit Committee.
Major policy exception requires visible mitigation and approval evidence.
Required Controls
Approval route must be displayed before submission to Credit Review.
Approval override requires reason code, authorized role, and audit trail.
Final decision must record approver, timestamp, decision reason, and approval conditions.
Maker-checker control is required because the case includes exception or unsecured exposure.
Escalation Triggers
Exposure amount changes after Credit Analyst recommendation.
Risk level is upgraded during review.
New policy exception is added after approval route generation.