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Cadre
Process AtlasLoan Servicing

Hardship to Workout

When a borrower becomes delinquent, the workout pack tests whether the supplied policy and affordability inputs can support revised terms. An embedded borrower advocate argues the other side; a servicing officer approves any change.

Cadre packs assignedSpecialist handoffsHuman checkpointsUnassigned steps shown

Detect

Delinquency monitoring
Bank system

Servicing flags accounts rolling past 30/60/90 days.

Engage

Borrower outreach
Open work

Contact strategy across channels to bring the borrower to the table. Open work — no Cadre pack is assigned yet.

Negotiate

Workout negotiation
Cadre pack · Concord

Tests proposed terms against supplied policy and affordability inputs, or records an impasse or referral.

  • hands the case to Borrower advocate
Borrower advocate
Cadre pack · Concord-Borrower · embedded specialist

An embedded borrower advocate argues the borrower's position during negotiation rounds.

Approve

Servicing officer
Human checkpoint

Approves the negotiated modification before any terms change.

Implement

Modification implementation
Open work

Booking the modified terms into servicing. Open work — no Cadre pack is assigned yet.

The walkthrough

  1. 1

    Hardship starts as a servicing signal; outreach brings the borrower to the table.

  2. 2

    Concord and its embedded borrower advocate test proposed terms against the supplied policy and affordability constraints.

    Open example capture
  3. 3

    The agreed workout goes to a human officer before any terms change.