Module 3

Loan Assessment & Sanction

From starting a loan application to the Yogyank score, the Credit Officer's recommendation, the bank's sanction decision and the link to the CBS loan account.

A loan assessment is one farmer's application for one loan product. The Credit Assistant prepares it in a guided journey of steps and submits it. The Credit Officer reviews and scores it and records a recommendation. A Sanctioning Authority records the bank's decision, and Credit Operations links the resulting facility to the Core Banking System (CBS).

The end-to-end flow

flowchart TD
    A[Start assessment] --> B[Complete journey steps]
    B --> C[Capture consent]
    C --> D[Review and submit]
    D --> E[Assign Credit Officer]
    E --> F[Scoring readiness check]
    F --> G[Generate Yogyank score]
    G --> H[Lender policy evaluation<br/>runs automatically]
    H --> I{Officer decision}
    I -->|Needs correction| J[Return for correction]
    J --> K[Start correction<br/>new revision]
    K --> B
    I -->|Recommend| L[Record recommendation]
    L --> M[Sanctioning Authority<br/>sanctions or declines]
    M -->|Sanctioned| N[Facility awaiting account link]
    N --> O[Credit Operations<br/>links CBS account]

Assessment statuses

Status shown	Meaning
DRAFT	Being prepared by the Credit Assistant. No Application ID yet
SUBMITTED (OFFICER NOT ASSIGNED)	Submitted, waiting for a Credit Officer to be assigned
SUBMITTED (OFFICER ASSIGNED)	Submitted, with an officer assigned
UNDER_REVIEW	The Credit Officer is reviewing it
RETURNED	Sent back to the Credit Assistant for correction
RESUBMITTED (…)	A corrected version was submitted again
SANCTIONED	The bank sanctioned the loan. Final
DECLINED	The bank declined the loan. Final
CANCELLED, WITHDRAWN, CLOSED	Ended without a decision. Final

stateDiagram-v2
    [*] --> DRAFT: Start assessment
    DRAFT --> SUBMITTED: Submit for review
    SUBMITTED --> UNDER_REVIEW: Credit Officer assigned
    UNDER_REVIEW --> RETURNED: Return for correction
    SUBMITTED --> RETURNED: Return for correction
    RETURNED --> DRAFT: Start correction
    DRAFT --> RESUBMITTED: Submit again
    RESUBMITTED --> UNDER_REVIEW: Officer assigned
    UNDER_REVIEW --> SANCTIONED: Sanction
    UNDER_REVIEW --> DECLINED: Decline
    UNDER_REVIEW --> CANCELLED: Waiver denied

In this module

#	Page	What you will learn	Mainly for
3.1	Loan Assessments List	Finding assessments, statuses, bulk assignment	Everyone
3.2	Starting an Assessment	Choosing farmer, product and application type, and how the journey is chosen	Credit Assistant
3.3	The Assessment Wizard	Moving through journey steps and what each step needs	Credit Assistant
3.4	Documents & Waivers	The document checklist, uploads and waiver requests	Credit Assistant, Credit Officer
3.5	Farmer Consent	Capturing consent by SMS OTP or in-person attestation	Credit Assistant
3.6	Eligibility & Submission	Eligibility figures, the recommended amount, and submitting	Credit Assistant
3.7	Assessment Summary & Ownership	The summary page, full application, manifest, revisions, assignment and external data	Everyone
3.8	Scoring Readiness	The readiness check, blockers and record corrections	Credit Officer
3.9	Yogyank Score	Generating the score and reading the report	Credit Officer
3.10	Policy Evaluation & Recommendation	The lender policy outcome, exceptions and the officer's recommendation	Credit Officer
3.11	Return for Correction	Returning an application and correcting it	Credit Officer, Credit Assistant
3.12	Sanction Decision	Recording and correcting the bank's decision	Sanctioning Authority
3.13	CBS Account Linking	Linking the facility to its CBS loan account	Credit Operations

Who does what

Stage	Credit Assistant	Credit Officer	Sanctioning Authority	Credit Operations
Start and prepare the assessment	✓
Capture consent	✓	✓
Submit	✓
Verify documents, decide waivers and exceptions		✓
Run readiness, generate score	Readiness only	✓
Record recommendation, return for correction		✓
Start a correction	✓
Sanction or decline			✓
Link the CBS account				✓

These are the default role permissions. Your bank may have customised them: see 1.6 Role & Permissions.

Four-eyes control

The person who recorded the recommendation can never sanction the same case.