End-To-End Workflow
Credit Case 360
Inspect one commercial credit case from RM intake to credit analysis, approval routing, policy exception governance, UAT evidence, audit controls, and facility readiness.
Release Posture
Not Ready
Readiness Score
33%
Blocked Gates
2
Watch Gates
3
Exposure
RM 18,500,000
Large Corporate
Case Selector
Select a case to inspect the end-to-end credit journey.
Current Owner
Credit Analyst
Credit Analysis
Document Readiness
64%
Apex Global Trading Ltd
High-value unsecured credit request is still in Credit Analysis because exception mitigation, EDD evidence, and approval route confirmation are not complete.
Facility
Overdraft
Application
New
Collateral
Unsecured
Approval Tier
Group Credit Committee
BA Decision Logic
The case is assessed through five linked controls: document readiness, approval authority, policy exception governance, UAT evidence, and audit evidence. The release posture changes only when those gates move from Block or Watch to Pass.
Lifecycle Timeline
RM Intake And Document Validation
BlockedPrevent incomplete submissions from entering credit review.
Credit Analysis
In ProgressAssess repayment capacity, risk rationale, exception mitigation, and recommendation quality.
Approval Routing
PendingEnsure approval authority matches exposure, risk, collateral, and exception severity.
Policy Exception Review
BlockedMake exception severity, mitigation, owner, approval tier, and evidence visible.
Credit Admin Readiness
PendingConfirm conditions and evidence before downstream facility setup.
Readiness Gates
Mandatory Document Readiness
BlockDocument readiness is below 80% and EDD evidence remains incomplete.
RM / REQ004 / TC004
Approval Authority Confirmed
WatchRoute points to Group Credit Committee but override validation remains under UAT.
Approver / REQ017 / TC011
Policy Exception Governance
BlockCritical unsecured exposure exception is pending approval.
Approver / REQ019 / TC013
UAT And Release Evidence
WatchTC012 and TC014 are not fully passed.
System Admin / REQ018 / TC012
Audit Evidence Complete
WatchAudit evidence exists for route simulation but final approval and exception decisions are pending.
Credit Admin / REQ013 / TC014
BA Recommendation
Do not move this case to approval review until exception mitigation, EDD evidence, and approval route confirmation are evidenced. Treat it as a control-sensitive case for committee visibility.
Policy Exceptions
Unsecured exposure above standard threshold
Exception register, committee approval note, and route override history.
High risk customer EDD pending
EDD checklist, screening result, and compliance review note.
Trade facility product document mapping pending
Product owner sign-off and updated checklist rule mapping.
UAT Evidence
Verify approval route escalates when exposure, risk level, and exception severity increase.
Route escalated to committee as expected.
Verify approval override requires reason and audit evidence.
Awaiting final copy for override reason code validation.
Verify pipeline dashboard highlights bottlenecks and overdue cases.
Blocked pending SLA threshold confirmation.
Verify Case 360 consolidates case profile, lifecycle status, readiness gates, exceptions, UAT evidence, and BA recommendation.
Case 360 shows end-to-end evidence for the selected credit case.
Verify release posture becomes Not Ready when any readiness gate is blocked.
Readiness posture follows gate logic correctly.
Change Requests
Make Enhanced Due Diligence mandatory for High Risk customers
System should block submission if EDD checklist is missing for High Risk customers. EDD status should be visible to Credit Analyst and Approver.
Introduce risk-based approval routing
Adopt transparent risk-based routing with threshold rules, override reason codes, maker-checker validation, and traceability to UAT regression scenarios.
Add Credit Case 360 lifecycle view
Introduce Case 360 as an evidence-led view. Release posture should be derived from readiness gates, not manually selected, and every blocker should map to owner, requirement, UAT case, and evidence.