A diagnostic for commercial lending teams that need a defensible current-state baseline before redesigning the workflow. It shows where decision time and processing effort sit, how far each figure can be trusted, and which evidence must be found before a business case is sized.
What this diagnostic covers
The asset defines the decision it supports and the situations where it should not be used. It covers the records and evidence it needs, a repeatable scoring approach for evidence quality, and the calculations behind the core lending measures. It sets out approval gates and risks, and defines KPIs with owners. A fully synthetic case shows the method end to end, alongside a failure scenario. Copyable tools include a role-based questionnaire, an evidence inventory, a stage worksheet, an evidence clinic challenge log and a register for verifying external references.
- Purpose and decision
- Context and applicability
- Inputs and evidence
- Definitions and assumptions
- Method and analytical logic
- Current-state assessment
- Options and business case
- Recommended design
- Execution and activation
- Governance and risk
- Measurement and benefits
- Worked example and practice
- Working tools and references