🏦 Finance & Banking · Flowchart
Loan Origination Workflow
A personal loan from application to disbursal: KYC, credit bureau check, underwriting rules, manual review for borderline cases, and the final agreement.
Drawing diagram…
What this diagram shows
- Automatic decision for clear approvals and rejections
- Borderline applications go to a credit officer
- e-Sign and e-Mandate before money is disbursed
Prompt used
Flowchart for personal loan origination: the customer applies online, KYC is verified, the credit bureau score is fetched. If the score is below 650 the application is rejected, above 750 it is auto-approved, in between a credit officer reviews it. Approved loans get an offer, the customer e-signs the agreement and sets up an e-mandate for EMIs, then the amount is disbursed.
Mermaid code
flowchart TD
A[Customer applies online] --> B[Verify KYC]
B -->|Failed| X[Ask for documents again]
B -->|Verified| C[Fetch credit bureau score]
C --> D{Score?}
D -->|Below 650| R[Reject and notify]
D -->|650 to 750| M[Credit officer review]
D -->|Above 750| O[Generate loan offer]
M -->|Approve| O
M -->|Decline| R
O --> E[Customer accepts offer]
E --> F[e-Sign loan agreement]
F --> G[Set up e-Mandate for EMIs]
G --> H[Disburse to bank account]Related templates
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