Workflow 03 — Decision Governance
Credit & lending.
Governed credit decisions — exceptions, concentrations, and workouts — with named owner, rationale, and outcome tracking.
When a loan sours, the exception is the lender's own defense — the call was within policy, rationale intact, captured at the time.
What goes wrong without it
Exceptions accumulate
Policy exceptions get approved one-at-a-time without anyone tracking the running portfolio drift.
Concentration drift
CRE, NAICS, or borrower concentrations move past appetite before anyone surfaces the trend.
Watchlist goes stale
Once a credit lands on the watchlist, review cadence and ownership often blur.
The shared decision anatomy
Every workflow follows the same five steps. Here’s how credit & lending uses them, with the artifact captured at each step.
What you’ll see
A live view of every item, its owner, its deadline, and the evidence behind its current status.
Open exceptions
9
Concentration alerts
2
Watchlist credits
18
Avg. review
21d
| ID | Item | Owner | Review | Status |
|---|---|---|---|---|
| EXC-218 | LTV exception, owner-occupied CRE | B. Larsen | May 28 | Pending committee |
| CON-007 | NAICS 722 (food service) concentration | B. Larsen | Jun 10 | Monitoring |
| WL-1042 | Borrower covenant breach, DSCR | T. Reyes | May 20 | Workout planning |
| EXC-211 | Debt-to-income exception, consumer | T. Reyes | Apr 30 | Approved |
Evidence captured
Built for the Chief Credit Officer
Replaces the exception log, watchlist memo, and concentration report that live in three different places. Gives the CCO one credit-decision record with rationale and outcome on the same page.
Apex linkage
Strategic & Board Decisions inherit operational evidence from this workflow. Decisions made here flow upward to the apex layer automatically — a board-level capital, risk-appetite, or strategic-plan decision ties back to the operational record beneath it.
How to start
Start free with one workflow on your data, then upgrade to Team or Business as you scale. For multi-workflow scope or apex linkage, see pricing or talk to us about Business.