Business Lending Decision Governance — verifiable, explainable, examiner-ready lending decisions, beside the core.
Business Lending Decision Governance · Beside the core, no write-back
Decision
$250,000 small business loan review
Amount
$250,000
Business
Riverside Bakery & Cafe LLC
Entity · NAICS
LLC · 722515
Location
Dayton, OH
Ownership
2 members (60% / 40%)
Purpose
Equipment purchase and working capital
Decision status
PENDING
5/9 required checkpoints complete.
Blocked — 4 required checkpoint(s) not complete.
Dana Reyes
Chief Credit Officer
Human approval is required before any final lending decision. Final decision not yet permitted.
Control mapping with evidence capture and status.
| Checkpoint | Status | Evidence | Note |
|---|---|---|---|
| Borrower identity verification | COMPLETE | 2/2 | |
| Business entity verification | COMPLETE | 2/2 | |
| Beneficial ownership / KYB check | MISSING EVIDENCE | 1/2 | Owner ID for the 40% member is outstanding. |
| Credit memo evidence | COMPLETE | 3/3 | |
| Underwriting rationale | COMPLETE | 2/2 | |
| Adverse action / fair lending review (if declined) | NOT APPLICABLE | — | Applies only if the loan is declined. |
| BSA/AML screening status | COMPLETE | 2/2 | |
| Board/executive review threshold | NEEDS REVIEW | 1/1 | Amount may exceed individual officer authority — confirm board/exec review. |
| Approval authority confirmation | NEEDS REVIEW | 1/1 | Awaiting approver sign-off. |
| Examiner file completeness | NEEDS REVIEW | 1/1 | Finalizes once outstanding items close. |
Outstanding items block examiner-ready status.
Beneficial ownership / KYB check
Missing: Owner ID for ≥25% owners
ComplianceFlow operates beside the core banking system and never writes back to it. It documents governance process and does not guarantee regulatory compliance; every final lending decision requires human approval.