Workflow 03 — Decision Governance
Credit & lending.
Governed credit decisions — exceptions, concentrations, and workouts — with named owner, rationale, and outcome tracking.
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
Per-workflow subscription is the entry point. Subscribe to the credit & lending workflow at listed price and onboard in days, not weeks. For multi-workflow scope or apex linkage, talk to us about the Risk Bundle or Enterprise tier.