90%+ faster: this is how to set up a credit flow in 5 steps (automate credit process)

1) Why have a credit flowAutomated?

Every request is a race against time. If your workflow is manual, it's riddled with bottlenecks (incomplete data, repeated revisions, email searches). An automated workflow streamlines data entry, applies consistent decision rules, and triggers tasks without waiting for someone to remember.

2) The 5 steps to automate your credit process

Step 1: Digital and standardized capture

• To do:Implement a single form for all applications with mandatory fields, validations at the moment (document format, numeric ranges, attachments).

• So that?:Data quality from the start. Fewer returns and fewer emails requesting clarifications.

• Tip:Onechecklistsof attachments (income support, references, etc.) and blocks the submission if something critical is missing.

Step 2: Automatic data validations

• To do:Connect your form to your internal systems (or external services) to automated queries: identification, business background, references.

• So that?:It saves analysts time searching for and pasting data. The case arrives "pre-loaded" and ready for decision.

• Tip: Define consistency rules(cross-references between declared income vs. supporting documentation) and automatically marks exceptions.

Step 3: Evaluation with business rules

• To do:Create a rules engine (if/then) with your credit policy: thresholds, maximum amounts, guarantees, special conditions.

• So that?:Simple requests are solved on their own, and the complex ones come with a preliminary opinion for review.

• Tip:Keep your rules updated and current to manage regulatory changes without disrupting operations.

Step 4: Documents and operational formalization

• To do: Genera automatic templates(application, promissory note, attachments, letters) with the case details. Define the internal approval process(who approves what and in what order) and records each step.

• So that?: Zero copy/takeEverything comes out with the correct data and the file is in order.

• Tip:Save the evidence (dates, responsible parties, versions) in the same file as the audit workflow.

Step 5: Disbursement and notification

• To do:Upon approval, it automatically triggers disbursement tasks in your financial system/ERP and sends notifications to the customer and the responsible area (email or WhatsApp Business, according to your policy).

• So that?:Nobody is "persecuting" anyone. The system orchestrates the closure and leaves a trace of the case.

• Tip:It includes a closing checklist (prerequisites marked as met) and blocks disbursement if a critical requirement is missing.

Result: a cycle that previously took5–7 days is resolved in less than 24 hours when the five steps are aligned.

3) What improvements will you see (and how to measure them)

• Speed:Approval in hours, not days.

  • Metric:TAT by stage (capture → validation → evaluation → formalization → disbursement).

• Data quality:fewer returns due to incomplete information.

  • Metric:Percentage of applications “completed on the first attempt”.

• Operational efficiency:more cases with the same team.

  • Metric:cases/analyst/day.

• Traceability and order:100% auditable file.

  • Metric:events recorded per case and queuing time per stage.

• Conversion:more approvals disbursed.

  • Metric:application → approval → disbursement.

    
    

4) What can I do to make the credit flow work from day 1?

• Clearly defined required fields:Less freedom, more speed.

• Simple rules first:It starts with the essentials and evolves through bi-weekly iterations or monthly improvements, after analyzing a cut of information.

• Exceptions with their own lane:The atypical should not hinder the standard.

• Policy version:all changes documented and with an effective date.

• Single file:a single place to view status, evidence, and documents.