Module 1

Document Checklist Generator

Generate document requirements, mark document status, route waiver approvals, monitor SLA aging, and evaluate whether the credit submission package is ready.

Total Documents

Generated by rule engine

Required

Submission control items

Conditional

Depends on case context

Optional

Supporting evidence

Readiness

0/17 required ready

Blockers

Submission gate

Open Waivers

0 approved

SLA Breach

0 watch items

Application Inputs

The output changes when business context changes.

Application TypeFacility TypeCollateral TypeCustomer TypeRisk LevelFinancial Statement

Submission Gate

Required documents must be uploaded, verified, waived, or not applicable.

Blocked

Required readiness0%

Uploaded

Verified

Waived

Open blockers

Charge Document is still Not Uploaded.
Fire Insurance Policy is still Not Uploaded.
Title Deed is still Not Uploaded.
Valuation Report is still Not Uploaded.
13 more blockers.

Package Summary

Credit submission pack posture and BA recommendation.

Blocked

ApplicationNew Term Loan

CollateralProperty

RiskMedium risk

Waivers0 approved / 0 open / 0 rejected

SLA0 breach / 0 watch

BA Recommendation

Do not submit. Resolve missing documents, waiver approvals, and maker-checker blockers before moving to Credit Review.

Waiver Approval Queue

Maker-checker workflow for documents marked as waived.

0 waivers

No waiver requests yet. Set a document status to Waived to simulate approval governance.

Generated Checklist

Documents are grouped by category with status, waiver evidence, and rule rationale.

Document	Category	Level	Status	SLA	Waiver Reason	Rule	Reason
Charge Document	Collateral	Required	Not Uploaded	On Track	Not required	BR004	Charge document supports security perfection.
Fire Insurance Policy	Collateral	Required	Not Uploaded	On Track	Not required	BR004	Insurance supports protection of property security.
Title Deed	Collateral	Required	Not Uploaded	On Track	Not required	BR004	Property collateral requires ownership evidence.
Valuation Report	Collateral	Required	Not Uploaded	On Track	Not required	BR004	Collateral value must be evidenced before approval package is finalized.
AML / KYC Screening Result	Compliance / Control	Required	Not Uploaded	On Track	Not required	BR001	Screening result is required before credit approval package is completed.
Approval Memo	Compliance / Control	Required	Not Uploaded	On Track	Not required	BR003	Credit recommendation must be documented for approver review.
Authorized Signatory Verification	Compliance / Control	Required	Not Uploaded	On Track	Not required	BR010	System must confirm authorized execution authority.
CCRIS / Credit Report	Compliance / Control	Required	Not Uploaded	On Track	Not required	BR002	Credit conduct evidence is required for credit assessment.
Board Resolution	Facility	Required	Not Uploaded	On Track	Not required	BR010	Business borrower must evidence authority to borrow.
Facility Agreement	Facility	Required	Not Uploaded	On Track	Not required	BR003	Term loan requires executed facility documentation.
Letter of Offer	Facility	Required	Not Uploaded	On Track	Not required	BR003	Term loan terms must be formally offered and accepted.
Income Tax Return	Financial	Conditional	Not Uploaded	On Track	Not required	BR002	Tax return supports financial assessment and income consistency review.
Latest Audited Financial Statement	Financial	Required	Not Uploaded	On Track	Not required	BR002	Financial statements are available and required for credit assessment.
Management Account	Financial	Conditional	Not Uploaded	On Track	Not required	BR002	Management accounts support latest performance review where available.
Repayment Source Evidence	Financial	Required	Not Uploaded	On Track	Not required	BR007	Repayment source supports term loan serviceability assessment.
Application Form	General	Required	Not Uploaded	On Track	Not required	BR001	Core case intake document for all applications.
Business Profile / Company Search	General	Required	Not Uploaded	On Track	Not required	BR001	New borrower profile must be established before credit review.
Customer Declaration Form	General	Required	Not Uploaded	On Track	Not required	BR001	Declaration is required to support customer attestation and audit trail.
NRIC / Passport / Company Registration Documents	General	Required	Not Uploaded	On Track	Not required	BR001	New application requires full customer onboarding evidence.

Triggered Business Rules

BR001

Pre-submission validation

New application onboarding

New credit applications require full customer onboarding and declaration documents.

BR002

Credit review completeness

Renewal financial refresh

Renewal applications may reuse existing profile documents but must refresh financial and conduct evidence.

BR003

Approval package version control

Enhancement approval package

Enhancement applications require revised approval memo and updated facility documentation.

BR004

Security documentation readiness

Property collateral evidence

Property-secured facilities require title, valuation, insurance, and charge documentation.

BR007

Credit risk review

Unsecured credit justification

Unsecured exposure requires additional credit justification and repayment source evidence.

BR010

Borrower authority validation

Company authorization

Company and corporate applicants require board approval and authorized signatory verification.