Smith's Artisan Café Ltd

Business Expansion Loan

#APP-2025-001234
Loan Amount
£150,000
Term
36 months
Director
John Smith
Assigned RM
Sarah Mitchell
Approval Workflow
Track the application through each approval stage
Relationship Manager Review
Initial assessment, data validation, and preliminary approval recommendation
Completed
Reviewer
Sarah Mitchell
Completed
12 Nov 2025, 10:45
Duration
33 minutes
Senior Credit Manager Approval
Senior review of credit assessment and risk grading for applications up to £250k
In Progress
Assigned To
James Thompson
Since
12 Nov 2025, 10:50
Time Elapsed
1h 22m
Credit Committee Review
Full committee review required for applications over £250k or high-risk cases
Not Required
Status
Bypassed
Reason
Within authority limits
Authority Level
Level 2 sufficient
Final Authorization
Final system authorization and documentation preparation
Pending
Status
Awaiting Stage 2
Expected
After senior approval
Auto-Approved
Yes (if approved)
Authority Matrix
Approval authority limits by role and loan amount
Role Single Approval Limit Co-Approval Limit Committee Required This Application
Relationship Manager £50,000 £100,000 Over £100k
Senior Credit Manager £250,000 £500,000 Over £500k
Credit Committee £1,000,000 £2,000,000 Over £2M
Chief Credit Officer £5,000,000 No limit Board approval over £10M
Approval History
Complete audit trail of all approval actions
RM Review Completed
12 Nov 2025, 10:45
SM
Sarah Mitchell
Relationship Manager
Decision: Recommended for approval
Notes: Strong financial profile, excellent payment history. DSCR of 2.27× well exceeds policy minimum. Low credit risk.
Forwarded to Senior Credit Manager
12 Nov 2025, 10:50
SM
Sarah Mitchell
Relationship Manager
Application assigned to James Thompson for senior approval review.
Application Submitted
12 Nov 2025, 09:33
JS
John Smith
Customer
Customer completed application process including e-signature. All documents submitted.