Analyze customer creditworthiness

Trigger: A prospective or existing customer submits a formal application for a loan, credit line, or limit increase.

1. Receive and verify credit application data
2. Retrieve external credit bureau reports and internal account histories
3. Analyze income, financial statements, and existing debt
4. Calculate debt-to-income ratios and automated risk scores
5. Assess collateral value and guarantor viability
6. Determine risk rating and recommend credit limits
7. Submit credit analysis package for underwriting decision

Outcome: A comprehensive credit risk rating is assigned and a specific credit limit or denial recommendation is generated.