Personal Loans Request - Bizagi

Personal Loans Request

Bizagi Suite

Personal Loans Request | 2

Table of Contents

Personal Loans Request ..........................................................................................................................9 Process Elements.............................................................................................................................. 16

Applicants Prefilter................................................................................................................. 16

Parallel Gateway .................................................................................................................... 17 Applicants Analysis............................................................................................................... 17 Verify Result .............................................................................................................................. 17 Application Approved in Analysis?................................................................................ 18 Register Request Information ........................................................................................... 18

Verify Applicants Information.......................................................................................... 19 Previously rejected by employee policies ................................................................. 20

Register Products and Collaterals................................................................................. 20 Add new applicant?............................................................................................................. 22 Medical Tests? ....................................................................................................................... 22

Request Medical Tests ....................................................................................................... 22 Receive Medical Tests.......................................................................................................... 23

Verify Information ................................................................................................................. 24 Verify Information and Documentation..................................................................... 25 Approved Request? .............................................................................................................. 26 Update Applicant Information ....................................................................................... 26

Request Exception? .............................................................................................................. 26

Analysis Result .........................................................................................................................27

Products Scoring ...................................................................................................................27

Approved Scoring ................................................................................................................. 28

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Credit Factory......................................................................................................................... 28

Synchronization .................................................................................................................... 29

Approved Request in scoring/Factory? ....................................................................... 29

Verify Collaterals and Products...................................................................................... 29

Delivery ...................................................................................................................................... 30

Delivery and Collaterals...................................................................................................... 31

Collaterals ................................................................................................................................ 32

Products Require Delivery ................................................................................................ 32

Delivery ..................................................................................................................................... 32

Update Process State ......................................................................................................... 33

Reject Request....................................................................................................................... 33

Timer Control and Decline ............................................................................................... 34

Maximum Request Duration ........................................................................................... 34 Decline Request...................................................................................................................... 34

Update the state of the process .................................................................................... 35

Applicant analysis ................................................................................................................................... 36 Process Elements..............................................................................................................................37

Comes from Customer orientation? ..............................................................................37

Load Customer .......................................................................................................................37

Include Initial Information.................................................................................................37

Request in Course?.............................................................................................................. 38

Verify Applicants in Black List ......................................................................................... 38

Applicant Reported in Lists? ............................................................................................. 39

Import Personal Information .......................................................................................... 39

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Confidential

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Borrowing Capacity ............................................................................................................. 40 Rejected due to payment capacity? ............................................................................ 40 Credit Bureau ..........................................................................................................................41 Bureau Ok?...............................................................................................................................41 Verify Analysis........................................................................................................................ 42 Add new applicant? .............................................................................................................. 43 Verify Information and Documentation........................................................................................ 44 Process Elements............................................................................................................................. 45 Parallel Gateway ................................................................................................................... 45 Documentation ..................................................................................................................... 46 Validate Applicant Information...................................................................................... 47 Validate Satisfactory Information ................................................................................. 49 Cancel Sub process ............................................................................................................... 49 Credit Factory............................................................................................................................................ 50 Process Elements.............................................................................................................................. 51 Request Evaluation ............................................................................................................... 51 At least one Product postponed? .................................................................................. 52 Notify New Collaterals ....................................................................................................... 53 Event Based Gateway ......................................................................................................... 53 Register Collateral Type Required ................................................................................ 53 Collateral Type ........................................................................................................................ 54 Applicants Analysis.............................................................................................................. 55 At least one applicant approved? .................................................................................. 55 Verify Information ................................................................................................................ 55

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Register Collaterals.............................................................................................................. 56 Verify Documentation and Information......................................................................57 Calculate Payment Capacity ............................................................................................ 58 Waiting Time Expired? ....................................................................................................... 58 Review Result ......................................................................................................................... 59 Amortization........................................................................................................................... 60 At least one approved product? ..................................................................................... 60 Update Process State to Rejected ................................................................................ 60 Notify Request Rejection .................................................................................................. 60 Requires Approval? .............................................................................................................. 61 Update Process State to Approved............................................................................... 61 Notify Request Result.......................................................................................................... 61 Factory Committee .............................................................................................................. 62 Rejected Request? ............................................................................................................... 63 Wait Office Management ................................................................................................. 64 Collaterals ................................................................................................................................................... 65 Process Elements............................................................................................................................. 66 Mortgage Collateral ............................................................................................................. 66 Legal procedure.....................................................................................................................67 Title Study Ok? .......................................................................................................................67 Collateral Documentation .................................................................................................67 Requires Authorization?.................................................................................................... 68 Authorize Documentation................................................................................................ 69

Copyright ? 2014 | Bizagi

Confidential

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