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    03 — Value stream · VS-420

    Application-to-Funding

    Carry a consumer or business loan request from application to funds in the borrower's hands and a loan booked for servicing. Credit decisions on single applications sit here; measuring credit risk across the whole loan book is Prudential Risk (BC-1780), and the life of the loan after booking is servicing.

    • Loan Origination Journey
    • Apply-to-Fund
    • Origination-to-Booking
    • Credit Lifecycle Start
    // FIG. 03 · Stage flow
    1Apply2Assess & Decide3Document & Close4Fund5Perfect & Board
    1. 01

      Apply

      VS-420.10

      Pre-qualify where offered, take the application and the documents that support income, assets and purpose.

    2. 02

      Assess & Decide

      VS-420.20

      Value any collateral, score and underwrite the request, check for application fraud, and approve within delegated credit authority.

    3. 03

      Document & Close

      VS-420.30

      Produce and execute the loan documents and required disclosures, and meet every condition of approval.

    4. 04

      Fund

      VS-420.40

      Disburse the loan to the borrower or to the parties they are paying.

    5. 05

      Perfect & Board

      VS-420.50

      Record guarantors and perfect the lien, then book the loan with its schedule, escrow and covenants so payments, monitoring and reporting start correctly.