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.
Apply
Branch, web, and dealer applications land in the origination system.
Third-party income and employment verification feeds the file. Open work — no Cadre pack is assigned yet.
Verify & assemble
Checks application and credit-file data, then records a ready package or the issues preventing handoff.
Decide
Decides the illustrated credit file without direct protected-basis fields; proxy and outcome risk remain subject to separate testing.
Notices & review
Determines the specific principal reasons for adverse action under Reg B / FCRA.
Drafts the adverse-action notice or the cost-of-credit disclosures from the committed decision.
Reviews decisions for disparate treatment and prohibited-basis proxy risk (Reg B).
Exceptions and overrides above the auto-decision band stay with humans.
Assure
Challenges the committed decision against supplied policy and file evidence; specific findings feed back into decisioning.
Document preparation, closing, and disbursement. Open work — no Cadre pack is assigned yet.
The walkthrough
- 1
Applications arrive from every channel; verification data feeds the file.
- 2
Onramp checks the application and supplied credit file, then records a ready package or blocking issues.
- 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
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
Grounds derives the decision's specific principal reasons; Plainspeak drafts the customer notice for downstream review.
- 6
Equipoise re-reviews decisions for disparate treatment against similarly-situated approvals.
Open example capture - 7
Backstop challenges the committed decision against the supplied file and policy; findings and exceptions land with accountable reviewers.