Every week, a lending team receives loan packages from small businesses: the application, the owner’s photo ID, financial statements and the other documents the credit policy asks for. Before a package moves on, someone has to read every page, check it against policy and decide where it goes. Here, Ridgechase Bank, the company we use to show ALK at work, reviews a week of 20 loan packages worth $7.49M in one run.
Step 1 of 9
Start your credit review
Ridgechase’s loan package review is set up once, in plain words: what to pull from each package, which policy to check, and where each file should go.
Step 2 of 9
ALK builds the workflow
That one instruction becomes a repeatable review on the canvas: pull out the details, check the policy, then route each package to analyst approval, officer review or a missing-information follow-up.
Step 3 of 9
Paste the credit policy
The rules live beside the review, including officer review for any loan above $1M and the documents every package must include.
Step 4 of 9
20 packages, read and sorted
All 20 loan packages, worth $7.49M together, are read and sorted: 14 go to analyst review, 2 to officer review and 4 are missing information.
Step 5 of 9
See why, not just what
Maple & Main goes to officer review because the name on the photo ID does not match the owner named on the application.
Step 6 of 9
Check the file yourself
The source page is right there: Laura Westbrook on the ID, Laura Chen on the application. Anyone on the team can confirm it in seconds.
Step 7 of 9
Analyst review stays controlled
14 packages wait in analyst review, and a person approves each one before it moves on. The 2 officer-review files and the 4 missing-information files stay separate.
Step 8 of 9
Ask what happened
One question charts the final routing: $4.46M in analyst review, $1.54M in officer review and $1.49M waiting on missing information.
Step 9 of 9
ALK tells you first
A warning fires because $1.49M is waiting on missing documents, over the $1M limit the team set, so the follow-ups get made before the week slips.
What ALK checks in each loan package
- Which documents arrived against what the credit policy requires
- The name on the photo ID against the owner named on the application
- The loan amount against the policy’s officer-review limit of $1M
- Where each package goes next: analyst review, officer review, or back to the applicant for missing information
Try it on your own loan packages
Send one real loan package, or a redacted one, and see what ALK finds.
