Risk Data Governance
Data Lineage and Quality Hub
Trace critical credit data from source systems through transformations and business rules into approval decisions, generated documents, and management reporting.
Critical Data Elements
8
Credit decision scope
Average Data Quality
92%
Lineage Coverage
95%
Quality Breaches
1
Open DQ Issues
4
Critical Data Element Register
Business definition, accountable owner, quality position, and decision usage.
| Data Element | Source | Business Rule | Decision Output | Owner | Quality | Lineage | Status |
|---|---|---|---|---|---|---|---|
Unique identifier used to link borrower records across onboarding, lending, and reporting. | CRM / Customer Master customer_id | BR001 | Case 360, Credit Memo, Audit Trail | Customer Data Steward | 100% | 100% | Healthy |
Aggregate approved and proposed exposure used for delegated-authority routing. | Loan Origination System total_exposure_amt | BR013 | Approval Routing, Credit Memo, Executive Dashboard | Credit Risk Data Owner | 98% | 100% | Healthy |
Controlled risk classification used for EDD, routing, and management reporting. | Credit Risk Engine risk_grade_band | BR006, BR013 | Checklist, Approval Routing, Credit Memo | Credit Risk Data Owner | 94% | 100% | Watch |
Period end date of the latest audited or management financial evidence. | Document Management System financial_period_end_date | BR002, BR005 | Checklist, Waiver Workflow, Credit Memo | Credit Operations Data Steward | 82% | 88% | Watch |
Latest eligible value used to assess security coverage and approval authority. | Collateral Management System eligible_collateral_value | BR004, BR013 | Approval Routing, Credit Memo, Security Readiness | Collateral Data Steward | 76% | 72% | Breach |
Highest required delegated-authority level calculated from risk and exposure inputs. | Credit Decision Service recommended_approval_tier | BR013, BR014 | Approval Routing, Case 360, Credit Memo | Delegated Authority Owner | 100% | 100% | Healthy |
Controlled state showing whether missing mandatory evidence has an independently approved waiver. | Workflow Service waiver_approval_status | BR005 | Submission Gate, Exception Register, Credit Memo | Credit Control Owner | 91% | 96% | Watch |
Percentage of required documents verified or covered by an approved controlled waiver. | Document Checklist Service document_readiness_pct | BR001-BR012 | Submission Gate, Case 360, Executive Dashboard | Credit Operations Data Steward | 96% | 100% | Healthy |
Source-to-Decision Lineage
BreachCDE-005: Collateral Value
System of Record
Collateral Management System
eligible_collateral_value
Transformation
Data Control
Apply haircut, valuation currency conversion, and recency validation.
Decision Rule
BR004, BR013
Versioned rule execution
Downstream Use
Decision Outputs
Approval Routing, Credit Memo, Security Readiness
Data Quality Controls
Accountability
Collateral Data Steward
Owns business definition, quality threshold, remediation decision, and downstream impact communication.
Data Quality Issue Register
Root cause, downstream decision impact, accountable owner, and remediation date.
DQI-017: Collateral Value
Three property records use stale valuation dates after source migration.
Root Cause
Legacy valuation date was mapped to upload date instead of valuation effective date.
Decision Impact
Collateral coverage and approval routing may be overstated.
Owner: Collateral Data Steward
DQI-021: Financial Statement Date
Financial period is missing for 7% of migrated management accounts.
Root Cause
Optional field in the legacy document index.
Decision Impact
Recency rules cannot distinguish current evidence from stale evidence.
Owner: Credit Operations Data Steward
DQI-024: Risk Level
Two manually overridden risk grades do not contain an effective date.
Root Cause
Historical override workflow did not enforce effective dating.
Decision Impact
EDD and approval routing audit evidence is incomplete.
Owner: Credit Risk Data Owner
DQI-026: Waiver Approval Status
One approved waiver has no expiry date after workflow conversion.
Root Cause
Expiry became mandatory only in the proposed rule version.
Decision Impact
An open-ended waiver could continue to clear readiness controls.
Owner: Credit Control Owner
BA Data Recommendation
Collateral Value has 1 linked quality issue. Do not treat downstream approval or memo outputs as fully reliable until the owner completes remediation, reconciliation, and impact validation.