A diagnostic that tests whether a bank's commercial lending function can support a workflow redesign before money is committed. Anchored capability scores, a readiness index and gate dimensions determine which process changes can be approved now and which must wait.
What this asset covers
An eight-dimension rubric with anchored score descriptions and evidence rules. Formulas for turnaround, flow, cost, completion and gap priority. Readiness thresholds that link to redesign option classes. A business case structure that keeps capacity value apart from cash. Execution, governance and KPI tables. A synthetic worked case, a failure case and an alternate scenario. A calibration exercise and five copyable tools, including a gap register and a verification register for regulatory items.
- 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