Review and extend credit

Trigger: A borrower submits a formal application for new credit or requests an extension to an existing credit line.

1. Receive and verify application data
2. Analyze financial history and credit scores
3. Evaluate collateral and risk factors
4. Determine credit limit and interest terms
5. Approve or decline the credit request
6. Communicate the decision to the applicant
7. Activate the credit facility in the system

Outcome: The credit request is formally adjudicated, terms are established, and the credit facility is activated or updated in the banking system.