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Process AtlasConsumer Lending

Application to Decision

From application intake to a traceable decision and its downstream notice work. The packs cover decisioning and challenge, while exceptions, legal review, closing, and funding remain accountable handoffs.

Cadre packs assignedHuman checkpointsUnassigned steps shown

Apply

Application channels
Bank system

Branch, web, and dealer applications land in the origination system.

Income & employment verification
Open work

Third-party income and employment verification feeds the file. Open work — no Cadre pack is assigned yet.

Verify & assemble

Intake & verification
Cadre pack · Onramp

Checks application and credit-file data, then records a ready package or the issues preventing handoff.

Decide

Credit decisioning
Cadre pack · Spark

Decides the illustrated credit file without direct protected-basis fields; proxy and outcome risk remain subject to separate testing.

Notices & review

Adverse-action reasons
Cadre pack · Grounds

Determines the specific principal reasons for adverse action under Reg B / FCRA.

Disclosures & notices
Cadre pack · Plainspeak

Drafts the adverse-action notice or the cost-of-credit disclosures from the committed decision.

Fair-lending review
Cadre pack · Equipoise

Reviews decisions for disparate treatment and prohibited-basis proxy risk (Reg B).

Credit committee
Human checkpoint

Exceptions and overrides above the auto-decision band stay with humans.

Assure

Model-risk audit
Cadre pack · Backstop

Challenges the committed decision against supplied policy and file evidence; specific findings feed back into decisioning.

Closing & funding
Open work

Document preparation, closing, and disbursement. Open work — no Cadre pack is assigned yet.

The walkthrough

  1. 1

    Applications arrive from every channel; verification data feeds the file.

  2. 2

    Onramp checks the application and supplied credit file, then records a ready package or blocking issues.

  3. 3

    Spark applies the illustrated policy to credit-relevant fields with direct protected-basis fields withheld; proxy and outcome risk remain separate review obligations.

    Open example capture
  4. 4

    With the illustrated Aarvion policy, an approval outside the stated LTV limit is stopped before commitment; Spark then returns a counteroffer within the illustrated credit policy.

    Open example capture
  5. 5

    Grounds derives the decision's specific principal reasons; Plainspeak drafts the customer notice for downstream review.

  6. 6

    Equipoise re-reviews decisions for disparate treatment against similarly-situated approvals.

    Open example capture
  7. 7

    Backstop challenges the committed decision against the supplied file and policy; findings and exceptions land with accountable reviewers.