Workflow 03 — Decision Governance
Credit & Lending.
Auditable rationale on every credit decision, override, and exception across consumer, commercial, and indirect.
The shared decision anatomy
Every Decision Governance Workflow follows the same five-step structure. The Credit & Lending workflow uses it like this:
- Signal. Credit decision request: new loan, renewal, modification, or policy exception.
- Owner. Lender of record, with credit committee for amounts above authority.
- Decision. Approve, decline, counter, or escalate — with rationale, exception type, and pricing basis.
- Action. Decision booked, exception logged, conditions tracked to satisfaction.
- Outcome. Concentration, exception, and override patterns visible at portfolio level — and reconstructable for fair-lending review.
01
Signal
02
Owner
03
Decision
04
Action
05
Outcome
Apex linkage
Strategic & Board Decisions inherit operational evidence from this workflow. Decisions made in Credit & Lending flow upward to the apex layer automatically, so a board-level capital, risk-appetite, or strategic-plan decision ties back to the operational record beneath it.
How to start
Per-workflow subscription is the entry point. Subscribe to the Credit & Lending workflow at $129/mo and onboard in days, not weeks. For multi-workflow scope or apex linkage, talk to us about the Risk Bundle or Enterprise tier.