Future-State Loan Process

Future-State Loan Process

Pick a flow to follow an application through the new process, or see how each pain point is fixed.

Customer PlatformAI + rules Loan officer Credit Management No Re-check Yes Decision Status events Apply via portalABN auto-lookup Upload documentsor connect bank feed Upload missing itemAuto reminder sent Receives outcomePortal + email AI extractionFields + confidence Complete& valid? Risk scoringRules + AI narrative Notify customerDecision + reasons Settle loanApproved only Review AI summaryExceptions only Approve? Live dashboardKPIs, no manual reports AI AI HUMAN HUMAN
AI handles extraction and drafting; people review exceptions and own the credit decision. Every status change feeds the dashboard, so reporting needs no manual work. AIAI-assisted stepHUMANHuman-owned stepDecision
    IDPain pointFuture-state fix
    P1Documents by emailPortal upload or bank-feed connection
    P2Missing documentsAutomatic completeness check and reminders
    P3Re-keying detailsAI extraction with confidence scores
    P4Poor pipeline visibilityLive dashboard driven by status events
    P5Manual reportingAutomated KPIs
    ActivityCurrentTarget
    Application review45 min15 min
    Document checks15 min2 min
    Reporting2 h/dayAutomated
    Manual effort per application60 min17 min (−72%)